23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original purchase of the vehicle in question from XXXXXXXX XXXX. Due to loss of income as result of XXXX XXXX, I did a volunteer turn in/repossession of the vehicle approximately late XXXX/early XXXX directly to the the XXXX dealership in XXXX AZ. Some time later I was advised by letter that the vehicle I purchased two years before for {$50.00}, XXXX had been sold for {$20000.00} and was contacting me for a " balance '' due of {$29000.00}!! No documentation or proof of this claim!!! 
The current rent collector also has not provided proof of this alleged sale amount which would have been a low ball sale on the part of XXXX XXXX ( dilberate???? ) to penalize me additionally!!!
Product: Debt collection

I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.
Product: Checking or savings account

I keep having issues with my ATM card not working. Declines at ATMs with plenty of funds. Customer service is less than 12 hours a day. Absolutely unacceptable.
Product: Credit card

I applied for a CITI Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Debt collection

I keep submitting complaints against Resurgent Capital. They keep claiming they are going to delete my information but keep sending letters. Can they be held accountable?
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the Account MRV/REVVI, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 This is a billing error that needs to be corrected in accordance to 15 U.S.C 1666B which states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

In accordance to the above Laws the late payment showing for XXXX 2024XX/XX/year> is a violation of my consumer rights. This is my second attempt to have this corrected and I am collecting each response showing willful non compliance and if this isnt corrected I will seek litigation damages up to $ XXXX each violation. Its also causing defamation of character to my public appearance Equifaxs response on XX/XX/year> was insufficient and willful violation of my consumer rights. THEY VALIDATED the debt and ignored the underlying issue of violating my consumer rights. 

By reporting this billing error They are also in violation of 15 USC 1681eb for maximum accuracy And 15 USC 1681s-2a1a for willfully reporting inaccurate information!!
Product: Credit reporting or other personal consumer reports

On the months of XX/XX/year> and XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX BANK XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Product: Credit card

I am filing this complaint about American Express ' policy of raising interest rates on XXXX its consumer and business cards to a usurious XXXX per cent level when the customer falls even slightly behind on payments There is no warning or effort to communicate with the business owner or individual consumer before a peremptory raising of these rates .I can accept and even understand charging XXXX per cent or XXXX per cent which is within the prescribed range above prime when cardholders are in arrears. XXXX or XXXX per cent are rates charged by loan sharks or people who break arms to enforce payment terms .When I called Amex a month ago to raise XXXX about the XXXX per cent our business was being charged and asked for a refund based on retroactive lowering of the rate back several months it only agreed to lower the rate going forward .This tells me that they are engaged in outright XXXX knowing thatthe average business or consumer will not challenge it The rate has been raised to the same level for my daughter on her individual card We are demanding ( not requesting ) that American Express lower her rate and refund XXXX the business card and her card the excessive interest charges .My wife is a plaintiffs attorney as is my son in law and you can communicate to AMEX that we are prepared to enlist others in a class action suit if it does not honor our demand within the next 45 days We are gratified that the CPFB has been taking such aggressive action against these credit card XXXX as I read recently in a XXXX Magazine article Thank you XXXX and XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

XX/XX/19 there was a XXXX fraudulent charge on our card we contacted Chase the following morning after seeing the email to notify them of the fraudulent charge, No problem they would credit our acct. and issue new cards. They would turn it over to their fraud department. mid XXXX we were notified the charge would be put back on our card. The fraud department said they determined we benefited from the charge. They determined that we shopped at the same chain store the charges were made to. It seems apparent that they have not done any investigating into the matter. All they know is there was a fraudulent charge through ecommerce to XXXX. I was instructed if I could find out anything on my own to report it. So on my own I investigated and determined that someone ordered online 3 tons of merchandise ( very large truck ) - XXXX sheets of XXXX x XXXX gypsum board and XXXX cases of white siding from a store almost 2 hours away in the XXXX Illinois XXXX area. I live in the XXXX, Il area 3 XXXX within 30 to 40 minutes from my home. 

Amazing that this was so far from the norm of an almost 20 year customer that has faithfully paid his bill in full each month. A bill that probably average over XXXX each month. Basically called a thief until I can prove otherwise. What will it take?
Product: Mortgage

I took over a mortgage cause the owner passed away I have fallen behind on payments but I will be able to pay the next payment plus a little more to try and get caught up I need help to see if the bank will work with me
Product: Credit card

XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I want to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
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 am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$20000.00XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit card

For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do this.
Product: Checking or savings account

I requested a funds transfer on XXXX XXXX from XXXX XXXX  to my Ally Savings. 
Due to my error I gave Ally a wrong XXXXXXXX XXXX account number which I closed several years ago. I checked with XXXX  and they claim they have not received any notice to transfer funds from a closed acct. 
Ally insist that it was a transfer from Ally to XXXX, but no funds where transfered to XXXX according to their records.Yet for some reson they have a hold for {$800.00} from my savings and a hold for {$1800.00} from my XXXX XXXX. 
I have spent many hours on the phone talking with their customer service reps, and they all say the same thing, they can not figure it out. When I ask to speak with management they tell me they can not transfer to management.with no explaination as to why. 
I donot know what other ave I can take.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters to Lexis Nexis asking for proper verification of two bankruptcies that are on my credit reports. Lexis Nexis is in violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) as it has not responded to my letter dated XX/XX/XXXX to date. Lexis Nexis has not been able to provide direct verification from the US Bankruptcy Court in Texas. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. ( see letter attached to this complaint ). In fact the credit bureaus state on their dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute result reports back, Lexis Nexis has not sent me anything in regards to how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information. I am asking that Lexis Nexis remove this unverifiable information in regards to the two bankruptcies it is reporting.
Product: Student loan

Original principal going from XXXX all the up to XXXX. Seems a little steep and no wonder myself and any others are having trouble repaying student loans. God forbid the school making false promises to students with guaranteeing career placement and being able to repay loans within the first couple years. I was able to get my federal loans on a repayment plan, but this " private '' loan through the same company is totally different. They want all the money, and they want it NOW.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX - XXXX, XXXX - XXXX
Product: Debt collection

I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.
Product: Credit reporting or other personal consumer reports

I DO NOT HAVE A CONTRACT WITH THESE COMPANIES NOR DID I AUTHORIZE THESE COMPANIES TO OBTAIN MY INFORMATION. MY PRIVACY RIGHTS WERE VIOLTAED UNDER THE FDCPA AND FCRA.
Product: Debt collection

More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Adj CO Original Creditor : XXXX XXXX of XXXX TX XXXX  Open Balance : {$1000.00} Acct Opened : XX/XX/2021 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Product: Vehicle loan or lease

Recently, I did an investigation on my XXXX credit report and saw that there was an inquiry from Danco financial that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact Danco financial attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet one out of the five sheet contract from XXXX XXXX. I requested for Danco financial to provide documentation in regards to charge off account and the complete contract with Danco financial. Danco financial attorney office failed to provide the complete original contract requested. 

Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. 


Failure to accurately report the status of a debt that has been canceled or written off. 
Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. 
To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

I am providing the following supporting documentation for your review : Copy of the 1099-C issued by Danco Financial for tax XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet XXXX of original contract. 

Any responses or lack thereof from the creditor or credit reporting agencies. 
This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial complies with all applicable consumer protection laws. 

Thank you for your time and attention to this important matter.