23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

-- XX/XX/year> Jefferson Capitol system XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Debt Collection Activities To Whom It May Concern, This letter is a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that you immediately cease and desist all communication with me regarding the debt referenced in your correspondence dated [ date of the debt collector 's letter ] or any other date. 

You are instructed not to contact me further through any means, including but not limited to : Telephone calls to my home, work, or cell phone. 

Letters or other written correspondence. 

Emails, text messages, or other forms of digital communication. 


If you believe this debt is valid, you may provide verification of the debt in writing. However, any further attempts to contact me outside of permissible legal actions will be considered harassment and a violation of the FDCPA. 

Be advised that I am fully aware of my rights under federal and state law. I will report any continued violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I reserve the right to pursue legal action for damages caused by your unlawful practices. 

Thank you for your immediate attention to this matter. 

Sincerely, Consumer
Product: Credit card or prepaid card

With the Home Depot company I have had many times late charges assessed because of late payments, only to have them eliminated immediately after I provide electronic proof from XXXX bill pay that there is electronic proof the payment was paid up to two days before it was due. They remove the late fee immediately Also, they either have a poor system when receiving payments and have a history of sitting on, /or seemingly not processing payments on time. It seems the receivers are late processing, and system then shows a late payment and another department clips on the late fee. I think this has happened 6-10 times with me, while they assure me the Payment was late. I 'll bet they make 10 's of millions of dollars on this. Everyone know these companies love late fees and its actually a revenue budget line, and yes they say each year. HOW CAN WE IMPROVE THIS REVENUE!!
Recently they also reversed a late fee, as a courtesy ... ..but I still had to pay the entire bill and late fee? Why?, because instead of an immediate waiver/credit, they credited my account??? Is this legit/legal? I still had to pay the fine up front. On a {$1200.00} balance I would not even feel this credit of {$35.00} and still pat to pay it out of my limited monthly budget. 

For consumers making minimum or limited wages with mouths to feed this can be reason burdensome and hurt consumers a lot in the pocket book
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING. 

XXXX  Report : XXXX XXXXXXXX Collection {$2300.00} Experian Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.
Product: Credit card or prepaid card

On XX/XX/2022 I received my Avant credit card in that mail and on XX/XX/XXXX I activated the card. Upon leaving work on that day I purchased dinner to go at a restaurant with the card, this purchase was approved. Prior to getting home I stopped at XXXX to get RX, this transaction was declined. I contact Avant the following day to see why the card was declined and was told that there was a fraud alert on the card. I informed the company that there was no fraud I was the one who used the card. In the following week I received a email requesting a copy of my picture ID and bank statement with my current address in which I did. I was told that the investigation could take between 30 and 90 days and that I would have to wait fir the results. I have recently been informed that the restaurant sent the receipt for the food to the credit card company to request payment a was told that I fraudulently used a credit card and purchased the food I received. This restaurant is a place I frequented prior to the pandemic and because I was scheduled to be in the office that week I wanted to eat there. XXXX XXXX XXXX XXXX XXXX XXXX  for more than thirty years and they have been informed that I used a fraudulent credit card to purchase food. I contact Avant again today XX/XX/2022 to try to get this issue resolved and was told that I need to wait until the investigation is done and when I asked for a supervisor because this would affect my job I was told that there was no one available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX  data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

I am sending to inform you that I have filed for bankruptcy and request that you update my credit report accordingly. Please remove or mark as included in bankruptcy any accounts listed on my report that were part of the bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We were contacted by Portfolio Recovery in regards to a XXXX XXXX XXXX  card. 
They are attempting to collect the full amount of debt, this is a XXXX  CREDIT CARD. WE put down the deposit, they are are attempting to collect that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXX XXXX has XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Vehicle loan or lease

Since XX/XX/year> they have called at least 21 times before XXXX. Just because I am behind on my loan doesn't give them the right to brake the law. At this point because it is almost daily.
Product: Debt collection

I just went back to work, and a debt was sent to Louisiana Recovery to collect said debt. Theyve repeatedly called my phone after I ask them not to, and they have used abusive language and ive asked them to cease further phone calls. They told me they will keep calling until I pay my debt. Then hung up on me.
Product: Debt collection

This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information. 

They used three different numbers to contact me and my family : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized inquiries on my credit report that do not belong to me. Upon contacting each business associated with the inquiries, they confirmed they have no record of an application or contract tied to my name. I followed up by disputing these inaccuracies with [ insert credit bureau ( s ) here ], providing supporting evidence. Despite this, the inquiries were not removed from my credit report. It has been over 90 days!

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit bureaus are required to conduct a timely and thorough reinvestigation of disputed items and correct or delete any unverifiable or inaccurate information. Additionally, under 15 U.S. Code 1681b ( f ), a credit report may only be accessed with a permissible purpose. The presence of these inquiries without authorization violates these provisions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting

I can not get my credit report accurate Equifax. They have erroneous security questions and continuously block my online access, no matter how many times i fax them my drivers license, the questions they pose have absolutely nothing to do with me, thus I can not enter the file or online dispute process. I do not have this issue with XXXX or XXXX. My credit score with XXXX and XXXX is near XXXX and XXXX has it listed at XXXX, it dropped over XXXX points in the last month alone. When I was able to finally view my equifax report, none of my new accounts were listed and none of the information I had disputed has been removed from my Equifax report. 
I have tried contacting Equifax to no avail. No resolution. I would like my Equifax file to be corrected or at least a ) have the ability to access it b ) have Equifax actually make the corrections it needs to. It should mirror the other reports but it is so far off it looks like someone else 's credit report. 

I am seriously considering suing Equifax for interfering with my Business plans as their inaccuracies are causing me to be denied credit unjustly and I plan to purchase another vehicle and I want a correct and accurate report by that time which is 90 days from today.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : 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 antedates 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 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

I recently received a copy of my credit report and notice I had fraudulent accounts on my account and data breach and I also noticed account balances and dates is not accurate different from other credit accounts
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Continue to respond with stating lies such as the last complaint was a duplicate I have no other choice than to take these acts of neglect and take this case on a class action lawsuit. Knowing the facts of the matter and the many other millions of victims who you also have predatory practiced on will be the probable cause of filing and approving my requests to subpoena your books. Your company has been under much scrutiny and is just on the edge of collapse. This is not what you need so if you decide to respond with the effects of no solution rather choosing to leave the status and everything to harm my report well I truly shall say the long list of violations capital one commits is bascially there daily operation of service out of compliance. So, I request that you provide me all the data requested as show me the verified and validated account information that you are in violation of requesting. This is not a duplicate! This is another case! This is only 1 from the many violations upon myself
Product: Student loan

When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information. 
Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint. 
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my fifth submission of CFPB complaint for informing the Experian that I was a victim of identity theft, and this is another request to block and remove this inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and know that this inquiry was opened without my consent. Please see below the inquiries that I urgently needed the Bureaus to remove : EXPERIAN : XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Credit card

I had a credit card with CapitalOne like 5 years ago and this card was settled for less and now included in bankruptcy and every time I apply, I got the message : Based on your application information, Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.
Product: Credit reporting or other personal consumer reports

Previously Disputed Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Product: Credit reporting or other personal consumer reports

I submitted an official police report from my local law enforcement agency, which detailed their investigation into my identity theft claim. The investigation was thorough, and they exhausted all leads before closing the case. I then provided this police report to the credit reporting agency. However, the credit reporting agency stated that the data furnishers had verified the accounts as mine, which contradicts the findings of the police report. The fraudulent accounts are listed below. 

XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX, Acct # : XXXX