23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

IN ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX & Transunion responded to my dispute to this public record being reported on my credit report stating it was verified accurate by primary creditor is bankruptcy court. So on XXXX 2023 I wrote us bankruptcy court asking them to verify this information. In which on XXXX is bankruptcy court responded they do not report to the credit bureaus. This is a Violated Of My FCRA 611 ( 15 U.S.C 1681 ) This Information must be Removed!

Attached is my letter along with us Bankruptcy court response
Product: Credit reporting or other personal consumer reports

This has been a XXXX  year ordeal dealing with credit bureaus I have tried numerous times requesting Equifax, XXXX XXXX, and XXXX to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.
Product: Credit reporting or other personal consumer reports

Heres a draft for your response to the CFPBs What happened? section based on the language and tone of your cease-and-desist letter : What happened? 

On multiple occasions, I requested validation of an alleged debt associated with my XXXX  XXXX XXXX loan, in accordance with federal law. Specifically, I sent three certified letters to the creditor, XXXX XXXX XXXX XXXX, on XX/XX/year>, XX/XX/year>, and XX/XX/year>, respectively. Each letter formally requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). Despite receiving all three certified requests, the creditor failed to provide any form of validation or proof of the debts legitimacy. 

Furthermore, despite their failure to validate the debt as required under federal law, XXXX XXXX XXXX XXXX reported the alleged delinquency to credit reporting agencies without my express written consent. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which prohibits reporting consumer information to credit bureaus without authorization. 

I believe these actions constitute willful noncompliance with federal consumer protection laws, including but not limited to : 15 U.S.C. 1681b : Prohibiting the reporting of consumer information without express written permission.

15 U.S.C. 1641 and 1643 : Requiring creditors to provide clear validation of a debt when requested.

15 U.S.C. 1681n and 1681o : Holding entities liable for willful or negligent noncompliance with the FCRA. 

I have acted in good faith to resolve this issue by requesting debt validation, as documented by my certified mailings. XXXX XXXX XXXX XXXX has ignored these requests, violated my consumer rights, and caused harm to my credit profile by reporting unverifiable information. I am requesting that the CFPB ensure the removal of all inaccurate and unauthorized information from my credit report and hold the creditor accountable for their actions. 

Feel free to adjust the tone or add additional details specific to your situation.
Product: Debt collection

On XX/XX/year>, I signed a Retail Installment Agreement for a 2024 XXXX XXXX with Ally Financial. I properly endorsed the agreement as " Without Recourse By : ( Name ) AR. '' Ally Financial failed to properly process my endorsement, which should have XXXX the obligation per UCC Article XXXX ( Negotiable Instruments ). 

Despite this, Ally Financial : Falsely reported my account as 30 days late without prior notice. 
Continued collection efforts without validating the alleged debt in violation of federal laws. 
Used my personal information to claim a debt that does not legally exist, constituting identity theft. 
Federal Law Violations : XXXX. Identity Theft & Misuse of XXXX XXXX Ally Financial has reported a debt that does not exist under a valid contract, which constitutes fraudulent use of my identity. 

FCRA ( 15 U.S.C. 1681c-2 ) Reporting inaccurate and fraudulent account information under my credit file.

Identity Theft ( 18 U.S.C. 1028 ) Using my personally identifiable information ( PII ) without a valid contractual basis.

FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Misrepresenting the legal status of an alleged debt.

2. Debt Validation & Billing Error Violations FDCPA 1692g ( b ) ( 15 U.S.C. 1692g ) Ally Financial continued collection efforts and negative reporting despite not validating the debt.

FCBA ( 15 U.S.C. 1666 ( e ) ) Reporting my account delinquent while the debt was in dispute.

FCRA 623 ( 15 U.S.C. 1681s-2 ( a ) ) Furnishing inaccurate and misleading information to credit reporting agencies.

Regulation B ( 12 CFR 1002.9 ) Failure to provide an adverse action notice before damaging my credit.

Damages & Fee Schedule Ally Financial is liable for the following damages : {$1000.00} per violation of FCRA ( 15 U.S.C. 1681n & 1681o ) {$1000.00} per violation of FDCPA ( 15 U.S.C. 1692k ) {$2500.00} per instance of willful misreporting affecting my financial standing {$5000.00} for failure to properly process my negotiable instrument {$10000.00} per violation of FCBA ( 15 U.S.C. 1666 ( e ) ) for reporting delinquency while the account was in dispute {$25000.00} per occurrence of identity theft ( 18 U.S.C. 1028 )
Product: Credit reporting or other personal consumer reports

G M FINANCIAL IS Currently reporting a charge off, collection and transfer on a profit loss ATTACHED TO MY PERSONAL INFORMATION. Account # XXXX I have not received a 1099c of such kind. This is IRS FRAUD. 

My rights has been violated. 
2.15 USC 168 ( 1b ) An AUTHORIZED Permissible purpose from the consumer ***VIOLATION OF 15 USC 168 ( 1b ) YOU NEVER GRANTED PERMISSION TO PHYSICALLY REPORT INACCURATE INFORMATION ON YOUR CREDIT REPORTS. 
3.18 USC 1028 ( a ) -AGGRAVATED IDENTITY THEFT *** WHOEVER KNOWINGLY TRANSFER, POSESS OR USE OF A PERSON 'S INFORMATION WITHOUT LAWFUL AUTHORITY A MEANS OF ANOTHER PERSON 'S IDENTIFICATION SHALL BE SENTENCED FOR XXXX YEARS. 

Also Im requesting a copy of the 1099 c cancellation of debt reported to the IRS or this will be reported. I will seek further actions for damages To my credit reports. History and scores attached to my name Social and birthdate. 

If I dont recieve a satisfactory resolution within the timeframe allowed I will report this issue to the IRS along with all supporting documents. 

Your prompt attention is essential to this matter.
Product: Mortgage

After being declined for rate adjustments due to job loss, I was shocked to see online that this same Bank of America put my account on escrow for my XXXX payment. Imagine my shock to see a payment due of XXXX XXXX! Delving in to the statement details, I noticed the escrow amount added. Funds I do not have in my checking account to be debited. 

Spent over XXXX hours total on phone with Bank of America today. First call, I was told escrow was added due to taxes being late. Excuse me, second half property taxes ARE NOT DUE UNTIL XX/XX/XXXX in XXXX XXXX. I was going to pay that on credit card. I received no notification, no special letter, no escrow analysis, nothing. Second call I made to escrow department ( after being transferred several times ), was told to check my online account, which I did on the phone with agent. Voila, no notification sent at all. If part of the loan mod, someone should add this to the documentation sent to me. And why this was not done the first time I applied for a loan mod XXXX  months ago? Can't have it both way.s This is a breach of my original loan agreement. I am agreeing, and still paying my adjustable rate mortgage which tripled this year and increased another {$500.00} XX/XX/XXXX, following the rules, being the long time good client I've always been, and I get pinged with escrow? I never have had escrow my entire adult life, nor was this part of the loan mod. Is the bank trying to get me to abandon my home? 

I am not attaching the statement of XXXX. XXXX with the escrow line item due to privacy on my loan number.
Product: Checking or savings account

On XX/XX/XXXX I made an on-line payment from my Chase checking account to my credit union for my mortgage payment of {$1100.00}. I had been making my payment this way for close to 10 years without incident. Chase would mail a check to the credit union for the payment. 

I was notified by my credit union that they had not received the payment, so on XX/XX/XXXX I paid the credit union the {$1100.00} from a different account. 

I asked the credit union to track what had happened, and they said they had not received any payment. 

I then contacted Chase to let them know of the problem. I sent a picture of the check to the credit union and when the cancelled check was viewed, there was no bank stamp on the back of the check, and the signature was unreadable. The credit union verified that it was not cashed by them, because their bank stamp was not on it. 

I then contacted Chases customer service and reported the problem. They returned my {$1100.00} to my account and said they would check on it. On XX/XX/XXXX, XXXX days before XXXX they took the money out of my account again with no notice or explanation to me. 

I contacted Chase again repeatedly after that, put in a claim, and had a loan officer from one of the branches help me to contact Chase to follow up. Chase had claimed they closed the claim because they had sent me paperwork to fill out, but they never received it. The reason I didn't fill it out is they had never sent it. They never mailed or e-mailed it to me. The loan officer at the Chase branch helped me file the claim again and send in the affidavit correctly, it took him several attempts as Chase kept giving him incorrect information and forms. 

I was able to get a claim filed after much time and many hours of conversations with customer service personnel. They finally realized that it seemed to be an issue of fraud. Apparently the check did not get sent to the credit union, someone fraudulently took the check, and went to another non-Chase bank and had it cashed. Chase said they had to contact the bank that cashed the check to see if they would reimburse Chase, and that it would take 90 days. 

I received monthly letters saying they were still waiting to hear back form the other bank. I continue to receive letters saying they have followed up, haven't heard and that the claim will be closed and my funds will not be recovered. 

After almost a year and a half, I contacted Chase again today, XX/XX/XXXX to see if anything else could be done and if not, I would be filing a formal complaint outside of Chase. They said there was nothing they could do except keep trying to contact the other bank. 

As of XX/XX/XXXX I still have not received reimbursement for the {$1100.00} that Chase lost in XXXX of XXXX during a routine on-line payment through no fault of my own.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. 

It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.
Product: Credit reporting or other personal consumer reports

I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Ability Recovery Services , LLC. I requested validation of this debt from Ability Recovery Services , LLC. I did not give Ability Recovery Services LLC, consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, all collection activities shall stop, until validation is given to consumer. Ability Recovery Services LLC hasn't showed any permissible purpose to be listed on my consumer credit report.
Product: Checking or savings account

On XXXX XXXX, 2019 I made a cash deposit of {$1000.00} into the atm at PNC Bank. I deposited the money like i normally do for some reason after it counted the money the screen went blank and said transaction can not be completed contact your finaical institution and gave me a receipt but no money came out. So i then did a balance inquiry to see if money went into my account no money. So I go inside tell them what happened show them receipt. The manager said you have to put an atm dispute request in. I do that I call a few days later to check on it they said its still under investigation. I took many trips to the branch and many phone calls for them to tell me after 20 plus days that their video doesnt show me using the atm. I have a receipt showing you I did matter fact I have two receipts.
Product: Credit card

i have sent request to the company and requested the information through the all there credit bureas,XX/XX/XXXXXXXX, and XX/XX/XXXX have asked for signed application and proof this was my account
Product: Credit card or prepaid card

Called and spoke with a supervisor who was not helpful and very short with her answers. She wasnt solution oriented when I told her I havent used my credit card all year long and havent used any of the benefits available to me. Also I havent seen any of the advertised promos. I told her its not fair and should waive my annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MILITARYSTAR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( XXXX XXXX XXXX ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
Product: Credit card or prepaid card

I have three credit card accounts with Capital One. Over the last three months the bank has been calculating interest charges incorrectly. Also the bank has not been applying payments amounts over the minimum monthly payments toward the balance with the highest interest rate as it should according to its fees and terms condtions. I have been in communictions with bank over the last two months and so far it has not been corrected as promised.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Events happened as follows in XX/XX/2021 I submitted my payment for my XXXX  card as usual on time. My payment was not honored due to a bank error. Once I was notified by XXXX  I paid the amount immediately with a representative over the phone I also sent XXXX  card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from XXXX  card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error. XXXX  credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.Here enclosed is attached copy of the banks letter.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

These are some of the XXXX, Experian, XXXX. companies to eliminate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Data Breach/ information published without my consent. fraud alert is supposed to be in place.