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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil
Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B )
( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I was disheartened to find discrepancies on my credit report today, and refreshing didnt resolve it. Im asking for a swift resolution by carefully reviewing the documents Ive provided to put this matter to rest.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a personal credit card account opened at XXXX on XXXX XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and an open account at XXXX XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. 

I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I spoke with Mrs. XXXX and her Manager with this company. It's been since XX/XX/XXXX that we been trying to get this debt resolve and the company and XXXX XXXX is refusing to do so. 

My husband and I leased an apartment from XX/XX/XXXX to XX/XX/XXXX. We decide to not renew our lease for Health reasons as the apartment complex was not being keep sanitize during Covid19 main peak. We were only owing the apartment {$430.00} for XXXX rent and nothing else. The apartment manager decide to retaliate against us for not renewing our lease and charge us unknown charges to us. Our contract never had a garage and we're getting fees for a garage. Utilities that were paid off and we never received any utilities with the correct amount and XXXX XXXX refusing to give us a copy of the utilities being used for the apartment. We have tried over and over many times and do not want to fix this. I have emails from the Regional manager were she states we only owe the {$430.00} and National Credit Systems is refusing to acknowledge this correct balance. We need assistance in claim Fraud against these two companies and trying to gain money from us when the amount is incorrect owe.
Product: Debt collection

I went to 8 sessions of XXXX XXXX in XX/XX/XXXX after my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX MI, submitted my visits to my insurance company and assured me I would receive a bill from him for the uncovered amount. 
Fast forward 2.75 years and in XX/XX/XXXX, I receive a " final collections '' notice from Transworld Systems, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX for {$510.00}. I have had impeccable credit for my whole adult life, and now it has been sullied because of this. I check my mail every day, so it 's not like I missed an invoice or something. I am very discouraged, but it does look like my insurance did n't cover this portion so I will pay it just to get my credit back in shape.
Product: Debt collection

I noticed a collection account on several of my credit reports from FAIR COLLECTIONS & XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I submitted a dispute for this company alleged debt against me, as I have no knowledge of this debt. I was notified by both XXXX and XXXX XXXX that the debt " meets FCRA requirements '' and would remain on my record. I wrote letters to both XXXX XXXX and XXXX  as well as '' FAIR COLLECTIONS '' for written verification of this debt which I am entitled to under the FCRA. I have not received any form of communication in writing in regards to this alleged debt from anyone to this point. 
Under Florida law, my state of residence, debt collectors must hold a licence under the Florida Department of Financial Regulations. For fear this company may be some sort of scam I checked the Florida Department of Financial Regulations to check to see if FAIR  COLLECTIONS & O XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX hold a valid licence in my state to act as debt collectors, The company does NOT. My research I preformed on the verify a licence portal of FDFR did not show as them to NOT even be a legitimate debt collector in the state of Florida. I would like this false debt deleted off of my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repo with XXXX XXXX on my credit report in which I do not dispute owning the account, my dispute has been the repo itself and the failure to provide me the documdnts required by law regarding this matter I have reached out to the company multiple times and there has been no response, I disputed these facts with Transunion who responded they investigated this matter and determinef I own the account again I have not disputed ownership, XXXX XXXX is reporting I owe approx. {$9000.00} yet has failed to provide requested documentation in regards to this repo such as the vehicle resale information
Product: Debt collection

I the consumer and the original creditor was sent a letter from Receivables Outsourcing , LLC regarding an alleged debt. A request of validation and cease and desist was sent in regards to this alleged debt on XX/XX/2021. Also sent on XX/XX/2021 was an affidavit of truth, invoice, exhibit A, exhibit B and exhibit C for 4 federally protected consumer right violations pursuant of 15 USC 1692b ( 2 ) and 15 USC 1692b ( 5 ) that Reivables Outsourcing, LLC infringed on me.
Product: Checking or savings account

On XX/XX/2018 I visited XXXX 's XXXX XXXX to purchasing new tires for my truck. I worked with an employee to determine a tire size would fit my truck since I wanted to go larger than the stock size. After test fitting a tire in a size I had suggested, we determined that it would not fit and the employee suggested another size, and assured me that it would fit without issue. The employee then ordered the suggested tire and I paid for it. ( A total of {$1000.00} ) On the morning XX/XX/2018 I dropped my truck off at the merchant 's establishment for the new tires to be installed. I returned that evening around XXXX to pick up the truck. I briefly spoke to an employee who handed me the key to my truck and informed me that " everything was good to go. '' On the drive back to my residence I noticed the tires were scrubbing on the inner-fender of the truck. Once home I investigated and found that not only were the tires scrubbing, they had actually damaged the inner fender lining. I attempted to call the merchant, but they did not answer since they had already closed for the day. 

On the morning of XX/XX/2018 I returned to the merchant 's establishment first thing to alert them of the issue. I spoke with an employee who then contacted the owner via cellphone and explained the issue. The owner stated that I could not receive a refund since I had driven on the tires. I took issue with this because explanation because I was told that everything was " good to go '' when I picked the truck up. How else was I to know that the tires didn't properly fit if I hadn't driven the truck? The owner still refused a refund, so I asked to have the new tires removed and my old tires put back on the truck. I stored the new tires in my garage at home. 

On XX/XX/2018 I opened a dispute over the charged amount through my bank ( South State Bank ) On XX/XX/XXXX I received a provisional credit for the amount in question from South State Bank while the matter was being investigated. 

On XX/XX/XXXX I received a phone call from a representative of South State bank. She informed me that the merchant was willing to give me a partial refund if I returned the tires to him. I informed the representative that I was not going to accept anything less than a full refund for the return of the tires. The representative said that she would inform her manager and give me a return call. 

On XX/XX/2018 I received a letter from South State Bank informing me that the investigation had been completed and they determined that the merchant had done no wrong since I had authorized the transaction. The letter also stated that they would be debiting my account on XX/XX/2018 for the amount in question. 

I do not feel this is a fair resolution. It was the tire shop 's job to install the tires and ensure they fit correctly. They failed to do this, and denied a refund once I discovered the tires did not fit correctly. I believe this error was solely on the part of the merchant and I deserve nothing less than a FULL REFUND for the return of the tires.
Product: Mortgage

I been paying on a trail for a medication from Seterus since XX/XX/XXXX 2017!! loan number XXXX Now it going on 8 months and still no medication.. Call them and they tell me everything looks good and it taking sum time!!! Never missed a payment and put extra money in to escrow!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to a settlement agreement between myself and XXXX XXXX XXXX dated XX/XX/2022 for a Lawsuit for identity theft I filed against the Respondent they agreed to the following terms. 
Special Consideration. Within XXXX ( XXXX ) days of execution of this Settlement Agreement, Respondent further agrees to submit requests to the major credit reporting agencies ( CRAs ) to which it furnished information about Claimants Account, requesting by XXXX XXXX XXXX form ( XXXX ) that the CRAs report the account as paid in full for less than the full balance. To the extent that on the Effective Date of the Agreement Respondent has already submitted a request to the CRAs to remove the tradeline in a manner consistent with this Settlement Agreement As you can clearly see in the agreement the respondent stated that they put in a request to all the CRAs to REMOVE the tradeline in a manner consistent with the settlement agreement. And it should state paid for less then full amount. However this has never happened in breach of our contract. As you can see in the attached credit report from Experian Moreover there is no provision in our settlement agreement that allows the respondent to report late payments. Which they are currently doing today. Its obvious the respondent has a problems reading their own contracts with comprehension and even a greater issue of following the contract. Also let me please remind the respondent that the settlement was reached because they defaulted for identity theft lawsuit and threatening to report fraudulent information to XXXX and XXXX when the person knows or should know it is fraudulent is violation of federal law and my consumer protection rights. Not to mention a breach of contract. I have attached again copies of my police report, FTC, identity, the settlement agreement and the respondents last reply. It is clear that XXXX XXXX XXXX has no problem violations 15 usc 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.. My next steps will be to file complaints with the OCC, SEC and XXXX respectively. I look forward to settling this breach of contract in federal court. And would like to thank the respondent for helping me collect my preponderance of evidence.
Product: Bank account or service

I recently sold a product on-line ( I-Phone ) and the person who bought my product sent me a check for {$2000.00} to cover the amount plus sent the rest off to his family in Georgia as he was in the service. Nice person I am I agreed and deposited the check into my account on XXXX XXXX, {$400.00} was due to me right away and the {$1600.00} remaining the next day. I went ahead and got the {$400.00} and waited til next day to collect the {$1600.00}. The next day was a Saturday and I asked the teller if the check was ok, meaning was it a valid check/ any fraud? he said its ok you can take the money so I did and XXXX XXXX the cash to Georgia and thought I did a great thing considering my grandpa just passed days ago but I wanted to finish the agreement of the cash so i did.I should of went with my gut telling me these people were scamming me?! I had instructions after I got the money out as where to send the rest of the money ( yes I am that nice! ) I received a letter in the mail weeks later saying the bank took the {$2000.00} from my acct as they could not verify that check was valid.I called Customer service and they said I should have waited til a business day which was a Monday to make sure it was not fraud, Well the teller should of told me that before I took the CASH!!! now I am out my emergency savings!! I think the bank should give me some of my cash back and tell a customer these issues before taking that much cash out! I filed a report to the local Police as well and nothing so far.
Product: Credit reporting or other personal consumer reports

I am making a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and XXXX XXXX regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX has violated my rights.

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

I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX  to prevent being charged the {$990.00} and was left over seas without a credit card.
Product: Debt collection

The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

As per guidance from the consumer financial protection bureau ( CFPB ) the documents needed, and a letter from an advisory group helping me due to XXXX XXXX debt bondage which falls under XXXX according to the debt Financial rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly thatbyou block this information from my credit within four business days pursuant to section 605C of the fair credit reporting act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company Information TransUnion. Please delete the following accounts : ( XXXX XXXX XXXX XXXX ) Bal {$7100.00} ( XXXX ) ( XXXX XXXX  )
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.