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

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

I'm writing regarding an unvalidated debt claim from a collection company, stemming from identity theft. Despite my request, the provided documents lack proof of ownership, violating my rights under the FDCPA - 15 USC 1692 ( g ). 

I've suspended payment pending proper validation. I request suspension of collections per 15 USC 1692cI until valid validation is given. 

Without valid validation in 30 days, I'll consider the debt invalid, necessitating deletion and cessation of collection. Questioning their authority to collect due to identity theft.
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 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 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address listed on my credit file with Equifax that I have been trying to get removed. I have never lived at that address or used that address for anything. I do not know why they continue to report it. If they show wrong addresses what else does that say about their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

The following Inquires are fraudulent Card Assets, A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX of 2022 I contacted Synchrony bank to dispute the opening of a Lowe 's charge card. They do not communicate with me nor does XXXX XXXX respond to phone calls. 
They claim that this is my account. When I asked to show video proof of purchase they decline yet say that I benefited. When I requested to know who has been making payments on this account, I get no response. I have never made a payment to this account it is someone else 's account and that would be who has been making payments. 
They claim to have sent me monthly statements in the last 12 months. They did not have my address or phone number until I called to dispute the account. Please show me historical statements that link to any address I have had. 

Their investigation is pitiful, they have XXXX validation of this account to me, yet they refuse to discuss.
Product: Credit reporting or other personal consumer reports

I have a charge off account from fingerhut. Account opened XX/XX/XXXX. Last payment, charged off, and sold is reported XX/XX/XXXX. XXXX, and XXXX have both taken this off of my report due time frame of report. Equifax will not remove it from my report because they documented the delinquency XX/XX/XXXX. I told them their information was inaccurate and I wanted to see their documentation. I also told them the other credit bureaus have removed the account. I also called XXXX to get the documentation and they dont have it due to the age of the account so therefor, Equifax can prove their reporting information. The account is well over 7 years old and I would like it removed.
Product: Debt or credit management

Lexington law violated the telemarketing sales rule and the Consumer Financial protection Act 2010
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Mortgage

This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute in accurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the fair act reporting act and request a thorough investigation into these inaccuracies by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer dispute siding, " sham investigations '' and unlawful practices. These practices, are outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermined consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a " 60-day late payment '' Nissan reported to XXXX and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called Nissan XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, Nissan is has reported a 60-day late payment on my credit reports. I first called Nissan and they said to simply file a dispute with XXXX and XXXX. I filed a dispute with both companies by giving my account of the lease. XXXX and XXXX sent the information to Nissan and Nissan denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from Nissan and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. Nissan was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called Nissan multiple times and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and Nissan 's 60-day late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Product: Money transfer, virtual currency, or money service

I was not informed about recovering lost funds if sent to the wrong person. Zelle neglected my consumer rights. Leaving me to feel vulnerable and lack of Investigation to reimburse me funds that were lost. I want CFPB to protect my right in the future to recover lost funds.
Product: Debt collection

Subject : Complaint Against Debt Collection Agency for Harassment, Illegal Third-Party Contact, and False Threats Debt Collector Information : XXXX XXXX Email Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Specific Violations : Repeated Harassment of Myself and Family Members : Over the past two weeks, this debt collector has sent harassing text messages to myself and multiple members of my family, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The messages contain threatening language and false claims, such as : A supposed " bank XXXX '' within XXXX business days. 
The arrival of " enforcement teams '' at my home or business " unannounced. '' This is the sixth instance of this kind of harassment. 
Illegal Third-Party Contact : The debt collector is disclosing personal information about my alleged debt to family members, violating the FDCPA, which prohibits such communication unless it is solely for locating the debtor. 
False and Deceptive Threats : They have made unfounded claims about legal actions that are not supported by any court filings or documentation. For example : " Full bank XXXX. '' " Enforcement teams arriving at my home or business. '' Failure to Validate the Debt : Despite the harassment and threats, the debt collector has not provided any verification of the debt, as required by the FDCPA. 
Impact on XXXX and XXXX XXXX : The repeated harassment has caused emotional distress for me and my family members. 
My family has been unnecessarily involved and subjected to intimidating communications. 
The nature of these messages leads me to believe that this debt collector may not be legitimate or is engaging in predatory practices. 
What I Request from the CFPB : Immediate Investigation : Determine whether XXXX and XXXX is a legitimate, licensed debt collector. 
Review their actions for violations of the FDCPA and other applicable laws. 
Cease Harassment : Require the debt collector to immediately stop contacting me and my family members. 
Enforcement Action : Impose fines and penalties if they are found to be in violation of federal law. 
Protect My Rights : Ensure that all further communications, if any, comply fully with federal and state laws. 


Here is the text XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received. This is one of many that we have received from them. 

XXXX XXXX XXXX XXXX XXXX, XXXX, due to the breach of contract my client is requesting a full bank XXXX. It will typically take effect in XXXX business days depending upon how quickly your bank processes it. Also, I just emailed our enforcement team to let them know you never showed an interest in scheduling a time for them to arrive so I instructed them to arrive unannounced. Please make anyone that will be at any business or home address tied to you know that they may be arriving. Thanks, XXXX at XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized inquiries on my Equifax credit report. I have attempted, telephonically to get Equifax to investigate these inquiries and requested them to be removed. I did not authorize the following inquiries : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have also attemptrd to reach out to these companies ( per Equifax 's advise ) and wad rerouted back to Equifax by these companies. I am requesting that these inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX. Original creditor : XXXX XXXX XXXX  Account number : XXXX this company has violated my rights reporting wrong information 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 am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX account and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ). 

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit card

I have XXXX XXXX and XXXX XXXX credit cards from American Express ( for now ). They claim to offer the following benefits that I did not get. 
XXXX. XXXX XXXX access for me and XXXX colleagues ( via guest passes ) in XXXX XXXX XXXX airport on XX/XX/year> ( XXXX app removed " vouchers '' button from the app used to access the XXXX  passes, creating an embarrassing situation for me besides not giving promised access ) XXXX. XXXX XXXX status with XXXX XXXX rental. 
XXXX. Advertised XXXX  dining benefit is fake- very difficult to find any restaurant on it within XXXX miles of where we live- and we live XXXX minutes from bustling XXXX, XXXX and XXXX, XXXX downtowns with lots of restaurants. ( please see attached screenshots ) XXXX. XXXX XXXX  advertisement is misleading. It gives you the impression that you get {$120.00} credit on use but only gives you {$10.00}. ( please see attached screenshot from their website )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXe # XXXX Loan me # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I went online to transunion credit bureau to freeze my credit it was not frozen. 
I called 2 months ago requested they freeze my credit they said they would. 
I called today transunion union and my credit is still unfrozen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX ), current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, ga. XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.
Product: Checking or savings account

USAA denied our homeowner 's insurance claim because according to them as best as I can understand because I changed our deductible before we had a bad event happen. I had no possible way of knowing what was going to happen after changing our deductible. I appealed and the same adjuster who denied the claim the first time also denied my appeal. I kept pleading with USAA as I didn't know what was going to happen and I had no bad intent. The adjuster 's supervisor responded online that his decision will stand. Shortly later I can't log into my online banking. I later find out that USAA canceled our homeowner 's policy, they blocked access to my online account, they closed my savings account, they closed my checking account, and they closed my credit card which was on 0 % apr promo and want me to pay the balance immediately. I have been a member of USAA for 9 years, perfect account history, no prior claims ever made for our home. My wife and I have been paying their premiums without a single claim for our home. We are both deeply hurt my USAA 's actions.
Product: Debt collection

XX/XX/XXXX I received a scam letter about some fake debt in the amount of XXXX. 

The " company '' is listed on the envelope as : Debt Co LLC XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX They said the date of the fake debt was XXXX XXXX, XXXX  I called the number and told them I had no familiarity with " XXXX XXXX '' the owner of the supposed debt. They told me I filled out an online application. They had my bank and social sec. number which is alarming. 
The email that the lending company gave me - XXXX and the address connected to the email XXXX XXXX XXXX XXXX XXXX XXXX ( I have no connection to that email and I doubt the address exists. Having lived in XXXX for over three decades, I've never heard of it. 
Please help shut down these scammers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance XXXX {$330.00} XXXX  XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/XXXX