23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on accounts where I was never late on. The 3 Consumer Reporting Agencies ( XXXX, XXXX, Equifax ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

In accordance with the fair credit reporting act has violated my rights and with the FCRA, EVERYTHING must be 100 % accurate on my credit report. This inaccurate reporting has caused damage to my reputation, extended grief, great financial and emotional hardships to me and my family. 

My personal information is not accurate. The correct personal information should be listed as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Employer is 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 also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

I have never been late on payments for the accounts : 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 In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 15 USC 1681 section 602 A. states that I have the right to privacy. 15 USC 1681 section 602 A section 2. Also, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( B ) : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please investigate and provide Proof with statements showing that these payments were late, as well as the accuracy of the charge off accounts. If proof can not be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, Update the accounts to Paid on time and never late. Or remove it from my consumer report. 


Additionally, it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Listed below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX ( Original Creditor : 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 I demand that these inaccurate accounts be immediately deleted. 

Thank you.
Product: Credit reporting or other personal consumer reports

Capital One has violated my rights enacted by the FRCA, FBCA and Privacy Act. For items that have been placed on my credit report. 

As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt of my personal information being reported.

In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. 
Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If this is not corrected within 30 days and updated immediately with proof of update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
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. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Student loan

For a {$27000.00} loan taken out from Sallie Mae in XX/XX/2004, I was charged $ 11,000+ dollars in disbursement, repayment and capitalized interest fees. The possibility of such exorbitant fees was not made clear to me at the time of the loan. I do not feel this type of loan practice is fair and would like to know what my options are.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 Thank You
Product: Prepaid card

Was told that there was no monthly fee. When found that there is want to cancel
Product: Payday loan, title loan, or personal loan

I received an installment loan through one main financial end of XX/XX/2018, using my truck title as collateral. 
They told me my interest rate was 24 % I started paying attention to my statements as my balance wasnt going down much and noticed that even though my balance was lower they were charging me more and more interest every month even though prime rates have dropped since I got the loan. 

I spoke someone from onemain after I sent an email from them saying they practiced fraudulent and deceptive lending practices. 
He called and tried to explain away why my interest was going up even though my balance was going down every month and he told me that it was because the interest is accrued daily. And then I asked him well if it's because it's the length of time in between payments then why when I made a {$200.00} payment in XXXX did {$190.00} to go towards interest and then I made another payment 6 days later and 90 % of it went towards interest as well even though it has only been 6 days ... I asked him then why was that the case and he then contradicted himself one more time and said will because there was other interest back interest it was owed and so it all goes towards interest before anything goes towards principal and I said if that's the case then why did {$4.00} go towards principal from the previous payment it's interesting how to be paid off first he contradicted himself many times and then also told me that my rate wasn't 24 % but it was 34 % even if it was 34 % I've made 20 payments of an average of {$200.00} each and my {$4600.00} loan says I still owe XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Inquiry Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charged-Off Accounts Under 15 U.S. Code 1681 To Whom It May Concern, I am formally disputing the accuracy of several charged-off accounts reported on my credit profile. Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), I request an immediate investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] I believe these accounts have been inaccurately reported or require further verification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting : Full validation of these charge-offs, including all supporting documentation. 

A detailed payment history and any relevant account records.

Confirmation that these accounts were reported in full compliance with 15 U.S. Code 1681.

If these accounts can not be verified with proper documentation, I demand their immediate removal from my credit report. Please provide a written response within 30 days, as required by law.

In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports, I am increasingly concerned about the accuracy of the charged-off accounts listed on my credit profile. This legal action underscores the critical importance of thorough and fair investigations into consumer disputes. ( consumerfinance.gov ) Given these developments, I urge you to conduct a comprehensive and diligent investigation into the disputed accounts mentioned above. If these accounts can not be verified with proper documentation, I request their immediate removal from my credit report. 

Please provide a written response regarding this dispute within 30 days, as required by law. Attached are copies of relevant documentation, including my identification and a screenshot of the disputed accounts for reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION LLC I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account 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
Product: Mortgage

Took out a HELOC w/ USAA way back in 2008. Main purpose was to payoff a second mtg with XXXX. Well, got my title and the XXXX mtg is still there. USAA says they don't keep proof on whether or not XXXX cashed the check. A bank says they dont keep copies of their checks. Right. They also never followed up to make sure the title was cleared. USAA says they have nothing showing the loan was paid other than a cover letter and a journal entry that it was sent. Thats it. No one ever followed up to get the lien off my house. Now I am stuck with a lien on my property I can not get removed as XXXX XXXX ( XXXX ) says they want proof the check was cashed. I know it's been a long time but I just discovered this as I do not routinely review my title. Both banks say it is the other bank 's responsibility and neither has offered any way forward. I am trying to refinance and I cant get this off my title.
Product: Credit card or prepaid card

In XXXX, on a notice in my email account, I realized that the balance I had posted to pay on the monthly bill, was not going to cover the " minimum payment ''. I had usually kept all of my accounts at a {$50.00} payout each month until the balance is paid or just reoccurring. I wasn't completely familiar with the automatic payment settings and asked a representative to assist me in setting it. I thought it was taken care of, but, I believe there was a misunderstanding and a mistake made, because I thought putting it on the setting that paid the " at risk '' to be interest bearing first was what I needed, a also set it to pay at least the minimum balance. I was told XXXX payment was already taken care of, and wouldn't be billed again until XXXX. XXXX came along and instead of the minimum balance, the entire balance of the credit card was drawn. That's {$1300.00}. This put me into a negative balance at the bank, in which I only had about {$650.00} at the time. The bank charge was {$30.00} for the negative balance, then every time any of the other automatic payments that where assigned to the account aquired another {$30.00} surcharge as a result of the account now, not having the finances to pay them due to the credit cards attempt to take the entire balance at once. I immediately reached out, explaining the situation, and the best thing they said they could do was wait for 2 days because the money never cleared the account. I had to wait until this was kicked out by my Bank. So, I also explained the hardships the actions put me in. They offered {$30.00} credit to be returned as well, when the funds where returned. I immediately went online, and corrected the discrepancy in the automatic payments settings, now that I thought I understood. I asked for them to wait until the Friday coming up, ( " at that time '' ). Then the payment that was supposed to be paid, would be there, because I had a payday that would have come in and given us a better since of security in having enough funds to cover any other bills coming in. However, instead of taking the " minimum '' payment as I most positively assure you that I did, they again took the entirety of the balance. Putting me negative again and compounding several charges., I have almost {$300.00} in fees and charges due to the actions of the situation. Neither the bank, nor the credit card company wants to take any kind of action to correct the attrocity. The credit card company again said they added {$30.00} to cover the incident, and offered {$60.00} off of the interest in upcoming bills. This doesn't help me pay my bills. I haven't missed XXXX payment in over 130 months of paying any of the bills, I have worked extremely hard to keep all of my accounts up and have never had a negative mark until now. I feel like sueing the pants off of them. I have a family that depends on me to pay bills, cheating me out of the money I have is crooked. Help me do what I need to do so that they can't do this to ANYONE else.
Product: Bank account or service

I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX XXXX tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As a customer of XXXX credit services, I am deeply disappointed with the lack of proper updates to my credit profile. Despite providing documentation that clearly shows fraudulent charges on several accounts within my credit report, your company has failed to take action. Other credit services have successfully removed these accounts, yet XXXX has not. This is unacceptable and must be rectified immediately. I demand that all fraudulent accounts be removed from my credit profile without delay, as these charges and transactions are not a reflection of my financial responsibility. It is imperative that XXXX fulfills its duty to accurately represent my credit history. 
all credit companies remove these following accounts Remove Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For the past two or three years I've been on the income based repayment program which makes my payment {$0.00} dollars a month. I am still being billed for {$310.00} a month for unknown fees. I've tried calling but I never get through to anyone. I've been receiving this bill for two years now Starting XX/XX/19 to current. I don't understand what its for and why I keep receiving it.
Product: Debt collection

Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!