23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection Circulars are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} XXXX or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection Circulars are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection Circulars are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection Circulars are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion. 

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Product: Mortgage

I applied for a primary mortgage refi w quicken loabs XXXX this tear 2016. They told me on a number of occassions I was approved and even had conditional approval on their website under my application. For weeks I was told to expect someone calling for a closing date and all that would happen us a request for another payment I made or account I paid off. The debts that were clearly paid by my company were rejected by quicken. How can they include the monthly debt but not the income from my company that clearly pays it every month?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA.

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I miss three payments with navient student loans. And they posted 30 missed payments. My account came off of forbearance and I was unaware to me. After realizing the three missed payments called in and my account was placed back in forbearance. I was told it was retroactive forbearance but it was just forbearance. and they refused to remove the 30 missed payments from my credit report.
Product: Vehicle loan or lease

My car was repossed XX/XX/19. That was the day I had told American credit acceptance I would make payment to get thee car current. That was also my payday. They said they would send me a letter explaining all my rights. The care was moved to an auction house. I called multiple times to get information on how to get car out. They told me call auction house, I called auction house they said call the car company cause they need to give me permission to talk to auction house. American credit would not complete the call to the auction house. I called several times they would never get through to the auction house. I also never got my letter explaining my rights. I never got the chance to know how much money I needed to get the car back.
Product: Credit card

VYSTAR Credit Union {$150.00} The Consumer Financial Protection Bureau ( Bureau ) has reviewed the banking activities of VyStar Credit Union ( Respondent, as defined below ) and has identified the following violations of law : Respondent engaged in unfair acts and practices in the provision of online and mobile banking services in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. $ {$5500.00}. 
5536 ( a ) ( 1X ( B ). Under 1053 and 1055 of the CFPA, 12 U.S.C. sg 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is showing on my credit report. I have never heard from this company after several letters being sent. There are account numbers listed as XXXX and XXXX. 

They have broken several laws under : Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm- Leach Bliley Act and Fair Credit Billing Act.

This must cease immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted the below companies and XXXX under the CFIPA & FRCA andhave instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. CARMAX continues to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX Equifax ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with identity theft and Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Background : Incident : In XX/XX/year>, while reviewing my consumer report, I found several unauthorized and unfamiliar accounts. 
Action Taken : On XX/XX/year>, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ) as instructed by the consumer reporting agencies. Despite these efforts, the problem remains unresolved. Under 15 U.S.C. 1681c-2, a consumer reporting agency must block identity theft information within 4 business days if it receives proof of identity, an identity theft report, identification of the fraudulent information, and a statement confirming that the information does not relate to any legitimate transaction by the consumer. Experian 's Non-Compliance : Failure to Certify Accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Experian did not provide the required certification of accuracy.

Inadequate Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Experian neglected to conduct a reasonable reinvestigation.

Permissible Purpose Violation ( 15 U.S.C. 1681b ( 2 ) ) : An account wa
s reinserted without verifying its permissible purpose.

Failure to Block Information ( 15 U.S.C. 1681c-2 ) : Despite sufficient documentation, Experian failed to block fraudulent account information.

Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n )
: Experians willful noncompliance with FCRA provisions has led to civil liability.

Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Negligence in handling my case further indicates noncompliance.

Inaccuracy in Reporting ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information breaches the obligation to ensure maximum possible accuracy. 
Experian 's actions have severely impacted my creditworthiness and infringed upon my rights as a consumer. I urge immediate corrective action to address and rectify these violations. XXXX XXXX XXXXXXXX XXXX account is not mine delete this account immediately!
Product: Credit card

Hi I am having difficulties with American express. I had 3 american express cards which recently went under financial review. I failed the review ( due to paying my bills from my husband 's bank account when my name wasn't on the account ) they closed all my cards. That is not the reason for my complaint as they have rights to do that. ( Although that's a lousy reason in my humble opinion ) When they closed my cards ( on XX/XX/23 ) I had some points on my XXXX XXXX XXXX card ( I don't know the exact number since amex won't give me access online to my rewards ) I am now unable to use those points and they are essentially voided. I had earned those points by purchasing using my card over the years. Knowing that my account was probably going to be canceled I attempted to use those points before my card was canceled. This is something that typically can be done but there were technical issues in my case and multiple amex representatives told me that it's impossible. ( There are 2 ways to use points a )- as a statement credit which I was unable to do since I hadn't used my card in the past few months so there was nothing to credit and b ) to use on XXXX by pressing " buy with points '' which I couldn't either do since my card at that point was under financial review and you can't use buy with points when the cars itself can't be charged. I'm trying to retrieve those points which seems impossible and is the first reason for my complain. 

A similar issue happened with my amex business platinum card. I spent approximately {$85000.00} on it which should give me around XXXX membership rewards points ( since XXXX membership rewards points per {$1.00} spent on that purchase ) I was unable to use those points since they were only to become available on XX/XX/23 and amex canceled my card on XX/XX/23. Typically a customer would have 90 days to transfer those points out after being canceled by amex but since my points never hit my account before cancelation, it may be lost. Now in this case they still are looking into it and have provided me with a case number, but its likely to be a problem. Either way I have spent hours on the phone with amex and have lost over {$1500.00} in points with seemingly no recourse. Any help from the financial bureau would be helpful. Thanks
Product: Debt collection

I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.
Product: Debt collection

I disputed this collection directly to Wakefield & Associates requesting for Validation on XX/XX/2023. This company never responded. I then disputed with XXXX in XX/XX/2023 online and only noticed online that the dispute was " Verified As Accurate. '' How can this be accurate when I have not received any documentation to show proof that this belongs to me? I do not know what this is!
Product: Credit reporting or other personal consumer reports

Case XXXX Document XXXX Filed XX/XX/XXXX Page XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) State as well as federal courts have jurisdiction over suits brought pursuant to 42 U.S.C. 1983, which creates a remedy for violations of federal rights committed by persons acting under color of state law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands :
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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