23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Debt Recovery Solutions XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, NY XXXX Acct # XXXX  XXXX To whom it may concern : On XX/XX/XXXX, I wrote to you requesting Validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. The only reply from Debt Recovery Solutions was via CFPB portal on XX/XX/XXXX. In my previous request directly to you, I listed my reason for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to XXXX Federal Trade commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices act Annual report and stated the following.

The Bureau notes that one or more debt collectors continued collection activities despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights.

Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation request to the relevant clients who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until it ( meaning the collection agency ) Obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors continued collection activities on accounts in violation of section 809 ( b ) of the FDCP.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, cease your collection efforts and reporting of this account on my credit reports Immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out about reporting errors on all three of my credit reports via phone, and email. neither of the three companies, XXXX, Transunion, or XXXX have removed these errors. These are negative items. The companies gave invalid reason as to why these errors are not removed. They are violating my consumers rights. According to the 15 USC 1681, they are unfair.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONCERT TICKETS. NEVER RECEIVED TICKETS AND BLOCKED VIA XXXX. 

XXXX - filed dispute with Bank of America ( case number XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NUMBER : XXXX XX/XX/14 - DISPUTE CLAIM DENIED. Called BOA and was denied reopening my scam case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.
Product: Credit reporting or other personal consumer reports

This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXXXXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from XXXX and TransUnion in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by XXXX and TransUnion in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Erroneous Charge-Off Entry by XXXX XXXX To Whom It May Concern, I am reaching out to address an urgent and unresolved issue with my credit report, which involves an inaccurate charge-off entry reported by XXXX XXXX. Despite previous attempts to rectify this matter, the following critical inaccuracies remain uncorrected : Account Details : * Creditor : XXXX XXXX * Account Number : XXXX XXXX * Account Status : Charge-Off * Account Type : Installment * Date Opened : XX/XX/XXXX * Remaining Balance : {$0.00} * Last Payment : XX/XX/XXXX Primary Issues : 1. Incorrect Payment Record : The account erroneously shows a payment made in XX/XX/XXXX, which is not accurate. My records confirm no payments were made after XX/XX/XXXX. This error violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) regarding the accuracy of information.

2. Inaccurate Charge-Off Status : The account is misclassified as a charge-off. Per IRS guidelines and standard credit reporting practices, this account should be reported accurately, reflecting its settled or paid status without negatively impacting my credit report. 
Legal Violations : * FCRA 1681e ( b ) : Mandates that consumer reports must be accurate.

* FCRA 1681s-2 : Requires furnishers to provide accurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of inaccurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Obliges prompt correction of reported inaccuracies.

Consequences of Errors : * Credit Score Impact : The erroneous charge-off has unjustly diminished my credit score.

* Financial Impact : The continued presence of incorrect information affects my financial health and creditworthiness. 
Requested Action : I demand the immediate deletion of the erroneous charge-off entry from my credit report. Given the severe impact this incorrect information has had on my credit profile, a mere correction is insufficient. I expect this issue to be resolved within 10 days. If this matter is not addressed promptly, I will pursue further actions, including legal remedies, to protect my rights. 
Thank you for your attention to this urgent request.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B 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 my WRITTEN CONSENT & INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of the incorrect information ; 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 card

I bought an XXXX from Apple and was told it was an interest free purchase and they charged me interest and have from the first month I was approved for interest free Also I have a Goldman Sachs Mastercard separate from Apple even though Apple uses GS for their purchases and I feel it has compromised my credit standing and terms
Product: Mortgage

I applied for a home mortgage with CitiBank on XX/XX/2022. My loan number was XXXX. During the mortgage process Citibank excessively checked my credit causing a huge score drop across all 3 credit bureaus. I authorized 1 pull, but there were as many as 4 pulls to one bureau. This mortgage process was an actual nightmare until I signed on the dotted line and now after. I have suffered a large score drop and a credit file that no longer resembles my actual credit worthiness. They showed no regard for my overall credit profile and my possible need to obtain credit in the future. 

These are the unauthorized credit pull dates across the 3 bureaus : XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized inquiries made by the following companies : Inquiries : ACCOUNT NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX ; XXXX DATE XX/XX/XXXX ACCOUNT NAME : XXXX / XXXX INQUIRY XXXX ; XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE XX/XX/XXXX ACCOUNT NAME : XXXX : INQUIRY DATE XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you transunion permission to furnish this this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

My personal information is all over the internet. I have been severely affected by the data breach. I am beyond frustrated and deeply disappointed with Equifax, Experian, and TransUnion for their continuous failure to protect our most sensitive personal information. In the past I didn't understand credit at all. It wasn't until recently of me trying to use my credit to purchase a home for me to realize the damage done over the years. There are several negative inaccurate accounts on my consumer report with Equifax, Experian, Transunion, XXXX XXXX, and more as well. Isn't it against the law to report inaccurate information on consumer reports. 15 U.S.C. 1681. I see that some auto loans have been taken out in my name. I see a lot of negative inaccurate information on my credit report that wasn't done by me. Equifax, Experian, and TransUnion have failed to secure our data, leaving millions of people, including myself, vulnerable to fraud, identity theft, and financial instability.This is not just an inconvenience ; it has severely impacted my livelihood. I have worked hard to maintain my financial health, yet these companies ' negligence has put my security at risk. The stress of constantly monitoring my credit, disputing fraudulent activities, and worrying about potential financial damage is overwhelming. These data breaches are not minor errors they are catastrophic failures that disrupt lives. We, as consumers, do not have a choice in whether these agencies collect our information. Yet, despite their responsibility to safeguard our data, they have continuously failed, offering only generic apologies and insufficient remedies. It is unacceptable that the very institutions that dictate our financial credibility can not be trusted to protect the information they demand from us. I am demanding stronger protections for consumers. We should not have to live in fear of the next breach, the next fraudulent charge, or the next financial hurdle caused by their carelessness. Enough is enough. I can only image how many breaches have taken place since XX/XX/year> when the fraud occurred. Everyone has a specific profession, not everyone is pros at understanding credit. I am just now gaining the knowledge of this identity theft that has taken place. Who knows how long this has been going on. I will include the information about the Equifax Data Breach in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, # XXXX, and # XXXX, has violated my rights. The Account names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit report account under an open end consumer report plan as late for any purpose.
Product: Student loan

I received a letter stating that my loans would be entering repayment following an in-school deferment. The payment amount is {$850.00} per month. It would be impossible for me to pay this amount monthly. I work full time and am paid minimum base wage. I tried to contact this company to lower my monthly payments, however I was unable to do so because they only offer support during the hours that I am working full time.
Product: Credit reporting, credit repair services, or other personal consumer reports

correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}
Product: Credit reporting or other personal consumer reports

Target Card Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Dispute of Account Reporting This account has been reported as written off as a profit/loss ( charge-off ). However, I have identified that the account is being repeatedly reported as a new charge-off account with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information.

15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information.

By continuing to report this account inaccurately, Target Card Services is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation.

2. Request for 1099-C Issuance As the account has been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ). The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws.

3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to this account. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding this account.

4. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Immediately correct and remove the inaccurate information from all credit reporting agencies.

Provide a copy of the IRS Form 1099-C for the cancellation of this account, if applicable.

Confirm in writing that you have ceased all collection activities and communications related to this account.

Failure to comply with this dispute may result in legal action to enforce my rights under federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if this issue is not promptly resolved. 

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

I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX   XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX Credit Card XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX  XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX ( yes2times ) XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

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

In accordance with the Fair Credit Reporting Act. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX15 U.S.C. 1681 section 602 A, states I have the right of privacy.

-15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish information on an account without my written instructions.

-15 U.S.C. 1681 C ( A ) ( 5 ) section, states that no consumer reporting agency may 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 antedated the report by more than seven ( 7 ) years.

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

MY NAME AND INFORMATION HAVE BEEN IN YOUR DATA BREECH PLEASE DELETE EVERY ACCOUNT AND EVERY INQUIRY I HAVE SUBMIT DISPUTES FOR EVERY ACCOUNT EXPERIAN FAILED TO INFORM CONSUMERS OF DATA BREECH AND NOT UPDATING SCORES OR INFORMATION ON CREDIT REPORT AS PER THE FCRA AS PER THE PRIVACY ACT OF 1974 AS PER USC 1681 AS PER TILA