23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Data Breach and FCRA 605B Rights Dear XXXX, I am writing to formally dispute the data breach notice I received from your company, which states that my personal information was compromised during the XXXX data breach. I take this matter seriously and seek clarification regarding the handling of my data. 

As per the Fair Credit Reporting Act ( FCRA ), Section 605B, I am aware that I have the right to request a security freeze, place fraud alerts, and dispute any inaccuracies on my credit file that may have resulted from the breach. I am requesting that you provide the following : A detailed list of the specific personal data compromised in the breach. 
Confirmation that all necessary precautions were taken to protect my information after the breach was discovered. 
Steps you have taken to resolve the breach and mitigate any potential harm, including notifying all affected individuals in compliance with the law. 
Furthermore, I request that you provide documentation of my rights under Section 605B of the FCRA, as it pertains to my ability to access a free credit report, request fraud alerts, or place a security freeze to prevent further misuse of my personal information. 

Please acknowledge receipt of this dispute within the legally required XXXX period and provide a response outlining the steps you are taking to resolve this matter. Should I not receive an adequate response within this timeframe, I will consider further actions including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

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

Around the third week of XXXX I sent a personal information update letter to XXXX XXXX and Experian, after which I did not receive any response to. I then sent the second letter on XX/XX/year> ( see attachment ) and since then I have yet to receive any responses from neither XXXX XXXX nor Experian. Now here we are almost seven weeks after the first letter sent still no response, I decided to contact the Consumer Financial Protection Bureau ( CFPB ) and I demand that they make the corrections to my credit report by removing all non-mailable addresses. After reading the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies, and I am the consumer. So be responsible, fair, and impartial and make sure my non-public personal information is accurate. Also, the current address, please DO NOT omit the suite number, update the FULL ADDRESS. 

Thanks
Product: Debt collection

This debt collection company " Columbia Debt Recovery LLC, dba Genesis '' has continued to contact me after receiving a written notice to stop. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Columbia Debt Recovery LLC, dba Genesis, sent me an email on Fri, XX/XX/XXXX, XXXX XXXX, claiming that they are trying to collect a debt that I owe to " XXXX  ''. 

On Thu, XX/XX/XXXX, XXXX XXXX, I disputed this claim with a NOTICE OF DISPUTE by responding to the email address within the original email : XXXX In the NOTICE OF DISPUTE email, I stated verbatim, " If you have good reason to believe that I am responsible for this debt, email me the documents that make you believe that. Stop all other communication with me and with this email address, and record that I dispute having any obligation for this debt. '' Then on Mon, XX/XX/XXXX, XXXX XXXX, Columbia Debt Recovery LLC, dba Genesis, sent me an email offering me a " Price Reduction & Offer of Settlement '', without sending me any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a " Serious Delinquency '' on my account as one of the reasons that their reported FICO score is almost 100 points lower than the other reporting agencies. The cause of the delinquency shows as a Late Payment of 60+ days. However, they can not produce the data to support this delinquency. All my accounts show " Exceptional Payment History '' and have never been late. I originally reported this issue over 3 months ago, and escalated it when they were unable to provide a reason of why this information was wrong. Since there is no Account or Creditor that can be pointed to - this issue does not allow a Dispute to be filed. Experian has opened several tickets regarding this complaint, but they closed them, without notifying me, and without a stated reason. I can not get this issue resolved - by either fixing the incorrect data, or having them provide me with the account which shows this Late Payment. I have been trying to get this resolved for over 3 months, have made dozens of phone calls, and am still unable to get it resolved.
Product: Debt collection

You're violating my consumer rights. You do not have permissible purpose to furnish anything in reference to me to the consumer reporting agencies without my consent. Im demanding you to cease communication with me through all mediums, including consumer reporting agencies! Pursuant to 15 USC 1692c ( b ), you did not have my prior consent to communicate with any third party, in connection with the collection of any debt, with any person other than the me! You're damaging my reputation with these unfair and deceptive practices along with affecting my credit worthiness with this unauthorized reporting.
Product: Debt collection

I have been a victim of identity theft on several occasions and these criminals have opened bank accounts under my name as well as stole my unemployment and applied for credit cards and ran up tens of thousands in unpaid medical bills. I had did a police report as well as a ftc report. This company is calling me harassing me for a debt that is not mine and they are persistent. They don't care if its valid or not they just want money. I have attempted to get a new SSN but they refused.
Product: Debt collection

MRS has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by XXXX XXXX XXXX and to respond in 30 days to dispute debt. The letter is dated XX/XX/ 2019 and tied to an account balance of {$2800.00} from XXXX XXXX XXXX XXXX, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY XXXX XXXX XXXX. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.
Product: Checking or savings account

I opened an account on XXXXwith Revolut, operating as XXXX XXXX XXXX for US customers .

The terms were that I would have up to {$800.00} USD of free withdrawals and pay XXXX on anything over that. Then on XX/XX/2024 to my surprise when I tried to withdrawal cash while on vacation I was told that deposit accounts have a weekly limit of {$1700.00} USD cash withdrawals. I have been going in circles since then with them and they refuse to increase XXXX it's stating it is online with US policies? To me this seems illegal to not allow someone access to their own cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive it ..
Product: Debt collection

Subject : Dispute of paid in full Account Dear Experian I am writing to formally dispute an account on my credit report under the reference number XXXX XXXX XXXX XXXXhis account is marked as paid in full, but I believe it should be removed in accordance with the fair credit reporting act ( FCRA ). 

The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and up-to-date. While I fulfilled my obligation by paying this account in full, its continued presence on my credit report is misleading and does not accurately reflect my current credit situation. 


Given that this account no longer represents an outstanding obligation and considering its potential negative impact on my creditworthiness, I respectfully request that it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX account with the account number XXXX. Despite multiple attempts to resolve this issue with XXXX and Equifax, the problem remains unresolved. The XXXX  account, which was closed on XX/XX/scrub>XXXX XXXX XXXX is still being reported as open and negatively impacting my credit score. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. By continuing to report inaccurate information, XXXX and Equifax are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. It is evident that XXXX and Equifax are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. Recent reports have highlighted the XXXX shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel XXXX and Equifax to correct the inaccuracies on my credit report. Thank you for your time and attention to this urgent matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX   XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when Shell Point too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid XXXX now. 

On about XX/XX/XXXX Shellpoint took over, from XXXX. The letter from XXXX XXXX bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from Shellpoint they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about XXXX a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low XXXX XXXX from high XXXX XXXX XXXX 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Product: Debt collection

I want to dispute an error on my credit report. The agency cavalry portfolio Service, put me in collection that reflects on my transunion credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account. 
Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX  agreement, account services /XXXX  a proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that some of the information were erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$12000.00}, XXXX XXXX XXXX  Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Student loan

I called fedloans in XXXX because I could not afford my monthly payment as a new teacher with XXXX kids. They did not offer to check my eligibility for an IBR, they told me to submit a forbearance. Then, I started my masters in fall XXXX, they did not tell me that my loans would automatically go into deferment. Deferment was not my choice and forbearance was psyched on me. I worked with an eligible employer since XXXX and my payments should have been {$0.00}. In XXXX, they advised me to consolidate my Loans. They did not tell me that o could opt out of deferment and back date it. They fail to acknowledge giving me misinformation. Please take this opportunity to understand that I was pushed into deferment and forbearance without the proper information for PSLF. All I ask is that they review my case and apply my years of service to my count.
Product: Credit reporting or other personal consumer reports

XXXX continues to play games in regards to my credit report, have sent them the documentation they required over XXXX times and they are not adhering to fair credit act laws at all. I'm attaching the documents requested again, with a copy of their request so when this is taken to the next level, there is clear understanding of the financial /economic and psychological harm they caused me for over 1 year now. 

I feel bad that such irresponsible people are even taken seriously enough to monitor credit files, what they've done and are doing is irresponsible and with the amount of times they've been notified makes what they are doing criminal and deliberate, as those who stole my information as XXXX is doing the same thing..
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and follow up regarding The Home Depot 's failure to comply with my opt-out request. Despite my notification to The Home Depot to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. The Home Depot has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation.

Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, The Home Depot is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements.

In light of these violations, I request immediate action to ensure that The Home Depot ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.
Product: Checking or savings account

I received two phone calls back to back from " USAA '', I answered the third call where a professional man greeted me and told me he worked with USAA in the fraudulent team. He said I had 3 pending charges in NC and SC and needed to verify my identity/charges to prevent the potential fraudulent charges from occurring. The first charged in NC he said was for {$900.00}, the second one was from a grocery store ( XXXX XXXX I believe ) for roughly {$500.00}. I confirmed those were fraudulent and confirmed I have not been traveling and was located in XXXX. He asked to verify my online ID and I gave him the wrong one which he informed me his system did not recognize that and I found the correct one and gave him that. He then asked for my password and that is when I questioned him and told him I've had previous fraud notifications on my phone and calls from the fraud department and they never asked for my password why was he now? I was busy multitasking with work at the time so wasn't thinking straight and he never answered my question just reassured me he was who he said he was. So I gave him my password and he sent a login verification code to my phone as he was logging into my account. He mentioned a {$5500.00} wire transfer was going to hit my account for the hardship the fraud has caused, but it would be taken out within 30 minutes. While on the phone he deposited {$4900.00} into my savings account. We got off the phone, and I noticed shortly after {$5500.00} was taken out of my savings account and I called USAA immediately to see why they took out more money than they deposited in and realized I was being scammed at this point as they drained all 6 of my accounts transferring money out through XXXX. USAA submitted a report to their fraud department, and we should hear back with 3-5 days.
Product: Checking or savings account

On XXXX I made my usual payment, which I typically schedule to be withdrawn on the day my paycheck is deposited into my account. This has worked seamlessly for me in the past, as the funds from my paycheck are available at the time the payment is processed. However, I was surprised to find that this particular ACH payment was returned, which has caused me significant confusion and concern. 
Despite having spoken with several representatives, none were able to provide a clear explanation for why this transaction was treated differently from my previous payments. I want to emphasize that I have consistently made payments in this manner without any issues arising, as my funds are available immediately upon deposit. 
As a result of this returned payment, I am now facing complications with my credit card usage. I have already made purchases with the card, and the returned payment has led to a situation where the charges and the payment effectively cancel each other out. I am worried about the potential repercussions, including the possibility that my credit card issuer may restrict payment methods, delay or hold future payments, or even close my account altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Product: Mortgage

In early XXXX we were informed that our loan was sold by XXXXXXXX XXXX to Freedom Mortgage. The loan transfer was schedule to take place on XX/XX/XXXX, which was also the day our XXXX payment was due. We were told we would have the information necessary to make our payment before our payment due date. When we did not have that information by the XXXX XXXX of XXXX we contacted Freedom Mortgage. We were told that information would not be available until some time after the loan was transferred, which was also after the payment due date, and that we could not pay on the loan until that information was available. Rather than incur late fees and interest we chose to make an early payment to XXXXXXXX XXXX, sent on XX/XX/XXXX USPS Priority Mail ( tracked ). That payment was received by XXXX on XXXX XXXX and, according to our letter from XXXX, well in time for it to be processed and credited to our account before the mortgage was transferred to FM. At the same time we made a Qualified Written Request of FM, informing them of our action, asking for loan and payment information, and requesting that late fees and interest be waived during the time it took for the loan to be transferred. FM has not responded to that XXXX In the meantime, XXXX did not credit our account when they transferred it to FM. When we received the ability to review our account with FM and noted the missing payment we contacted FM, which refused to inquire with XXXX after the missing payment. We then contacted XXXX ourselves, who sent the credit to FM via XXXX. It was received and signed for at FM on XX/XX/XXXX. We informed FM of the XXXX XXXX XXXX and XXXX 's record of who at FM signed for the payment. Today - XX/XX/XXXX- we were informed by FM that they will need to " investigate '' the payment and will be unable to get back to us before XX/XX/XXXX, which is well after the grace period on the loan payment. To avoid payment penalties and additional interest we must make an additional payment to FM while they " search '' for a payment that they signed for.