23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dispute Department Your improper use of my report and non-conformance in supplying me with physical copies of the adverse information you reported on my credit file as affected me negatively. I have been paying higher rates for everything as a result. I have been requesting proof from you since XXXX as shown by the certified mail correspondence sent to you. 

You have violated my rights according to the FCRA sections listed below : In accordance with the Fair Credit Reporting Act, the list of accounts in the attached requests have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my right. 
15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency my make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe it is inaccurate.

Remove the collections report as you have provided evidence under the law that I signed an agreement with them and update my all late statuses to Ok and paid on time. Your lack of initiative is compelling me to seek further action as you are in direct violation of my rights listed about.

A copy of this request is being mailed to the Consumer Financial Protection Bureau. 
Regards, XXXX XXXX XXXX XXXX SSN # XXXX
Product: Debt collection

I received a notice on my credit report from XXXX XXXX, and XXXX  that a debt of {$1400.00} was owed to XXXX XXXX XXXX, XXXX. Due to past due date it had been assigned to the collection agency Phoenix Financial Services. The date the collection was opened according to my credit reporting agencies is XXXX, XXXX XXXX. From information I could find this is a medical collections agency. However I have not received any medical services outside of the state of Kentucky in the past 5 years. I also have KY XXXX which pays all medical bills and services. I never received a bill from this company or a summary of services. I have disputed against all three credit reporting agencies ( some multiple times ) to which XXXX  removed collection but it is still showing on my other two affecting my score. I then proceeded to file a complaint XXXX XXXX XXXX of Florida ( from my searching this is where the original company is located ) on XX/XX/2021 they reached out to the company on XX/XX/2021 and XX/XX/2021 to which they received no response and closed the case on XX/XX/2021. I contacted the attorney state general of Florida via electronic dispute on XX/XX/2021. I have tried to contact the original creditor and the collections agency on multiple occasions with no resolution.
Product: Debt collection

This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department , I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$2800.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter. 
2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX XXXX XXXX  I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : XXXX XXXX. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 
XXXX XXXX XXXX - Account Number : XXXX. 
XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Demands and Notice of Legal Action-To resolve this matter and avoid escalation, I formallydemand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

someone from my old address of 8 years ago submitted a credit app to BARCLAYS bank under my name
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY XXXX XXXX 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Debt collection

PHOENIX FINANCIAL SE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX USA This company put a collection on my credit report in the amount of XXXX for a XXXX XXXX XXXX XXXX. I do not owe this debt as I get my healthcare from the Department of Veterans Affairs. This company has the wrong person, and this company needs to remove this collection within 3 business days or I'm going to send to the attorney generals office.
Product: Debt collection

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 


Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was never given a chance to dispute the debt. I did not know about this debt since I turned the bill into the insurance company and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Product: Mortgage

DURING THE COVID PERIOD I FELL BEHIND ON MY MORTGAGE AND THE LENDER FILED FORECLOSURE. I REQUESTED AND RECEIVED A REINSTATEMENT LETTER DATEDXXXX XXXX XXXX XXXX XXXX XXXX  WHICH I DID.INCLUDED WAS AN AMOUNT OF {$8700.00} WHICH PRESUMABLY WAS FOR LEGAL. THE FLAT FEE CHARGED FOR THE ATTY. LENDERS LEGAL WAS {$5900.00}. XXXX XXXX XXXX XXXX XXXX THE ATTY. ADDED PARALEGAL FEES THAT WERE NOT TO BILLED AND SHOULD HAVE BEEN COVERED BY FLAT FEE CHARGED. NOT WITHSTANDING THIS EXCESSIVE BILLING CARRINGTON IS STILL STICKING ME WITH ADDITIONAL AMOUNTS OF {$4300.00} ( EX " A ) AND REPORTING IT AS DELINQUENT. ALL I OWE IS MY REGULAR MONTHLY PAYMENT. I AM NOT SUPPOSED TO OWE NOT XXXX  XXXX XXXX 
FURTHEMORE MY PAYMENTS ARE CURRENT
Product: Debt collection

in XXXX i tried to buy a mattress and have it leased through acima. i never received the mattress and in that time i had also loss my phone number yet i still contacted acima telling them i never received the mattress and would not need to have it leased anymore. in XXXX i realized that it is still trying to be collected even though the lease wasn't needed and i never got the product it was intended for. they still wont remove it and say i still owe. I have contacted this company and the company i tried to get the mattress through and both were non-caring and very unhelpful, needless to say if it seems like a scam it probably is. The original company i tried to work with went under for fraud and a new owner is running the mattress " company '' he wouldn't have had to owe anything all he had to do was cancel the order to the lease firm. he would not do so for no apparent reason other than to make my life difficult and teach me a lesson. I just don't understand people anymore and dint want it to be this big of a deal but if the original person went away for fraud you think he would try to make the company look good, but like i said before if it looks like a scam it probably is,
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

I recently applied for a credit line increase for my Capital One account ending in XXXX and was told that my account was ineligible. This is inaccurate as the entire consumer transaction is predicated on my own credit which I am merely seeking to access a portion of. The denial of my application is a false and misleading denial of my own credit pursuant to : 15 U.S. Code 1611- Criminal liability for willful and knowing violation Capital One states that : 1. My capital one account is too new 2. This account was recently past due 3. One or more of my capital one account was recently pass due 4. the amount of revolving balances ( s ) relative to the total credit limit reported to us by the reporting agency These reason for denial of the credit increase is not in accordance with the FTC XXXX CFR, and the FCRA as they are predicated upon willful and erroneous data to cause me denial and financial injuries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.
Product: Credit card

This card in question is with Synchrony Bank, managing the XXXX for Sam 's Club. 

a ) When returns are made it takes a few days to appear and this is especially critical when near the payment due date. 
b ) When charges were made they appear right away. This means my bank account is debited to the total amount outstanding on the day of the payment due date. That means this credit card behaves like a debit card rather than a CC. CC allows you to pay after 30 days of statement closing, not immediately. 
c ) I have other bank cards and XXXX XXXX, managed by XXXX XXXX similar to this in question and they only charge what the statement balance minus any returns. 

I am sure there are lots of complaints against this bank and they are charging customers unfairly. I was told signing auto-pay gives them the authority to do so. Again, I have auto-pay with all CC vendors and none are doing what Synchrony is doing. 

I signed with XXXX XXXX, to manage all my finance portfolio in one place and today I tried to link my Synchrony Sam 's Club card, and access was denied. It is similar to XXXX and other software. 

In the meantime, Synchrony has no problem accessing my bank account to process Auto-pay and I can't figure this out either. 

I need your help in finding out what is happening! 

Thank you, XXXX XX/XX/year>
Product: Credit card or prepaid card

This is a follow up on complaint ID XXXX. B of A refuses to return my calls, although sending conformation emails for me to respond to. I was notified by email and voicemail that B of A would close the claim today, XX/XX/2021 if we did not have any interaction. 
I believe Bank of America is simply trying to " run the clock '' on this complaint, and they are not dealing in good faith. They refuse to provide a direct email. 

I am quite certain this as a " business as usual tactic '' by Bank of America, they use a third party service to respond to regulators request for resolution. 

Please advice how I can advance this claim beyond the stonewall I am encountering currently. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is hard for me to get into an agreement with the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa violation and FTC violation showing on XXXX and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (unverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.