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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian are reporting different dates on the last payment made on the XXXX XXXX card of the closed accounts. 
XXXX shows the last transaction as of XXXX XXXX. 
XXXX states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
Thank you
Product: Debt collection

I am totally distraught because I feel like this NOTICE TO CURE Letter is an attempt to extort me. 18 U.S. Code 894- Collection of extensions of credit by extortionate this is a violation and up to 20 years imprisonment The letter is also violating 15 USC 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

In the letter its states your not attempting to collect a debt but you are. One Main has violated my rights. From the recent call with there representative and now this Notice to Cure letter that I have attached. This is not right and it is damming to me. This notice is a strong threat to me and is a violation of my consumer rights.

Also the Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S, C. 1666 ( e ) for failure to comply with any of the requirements of this section.

If this Notice to Cure doesnt seize its operation I will take legal action.
Product: Checking or savings account

Someone stole money from my account in the amount of XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per date. 
( Not sure if thats exact date because they closed my account ) The bank reimbursed me XXXX  : didnt recover {XXXX  and they closed my account.
Product: Credit reporting or other personal consumer reports

I submitted documentation to Transunion informing them that Im a victim of fraud and that Id like for a fraud block to be placed on my account. I received a letter in the mail from Transunion stating that the identity theft report I mailed to Transunion isnt a copy of an official, valid identity theft report. I tried calling Transunion to explain that the report is the electronic report I submitted through the FTC identity theft website but the rep told me that its not valid and that I need to call the FTC. I called the FTC and the rep informed me that it is indeed a valid identity theft report and that I need to reach out to the CFPB to file a complaint because I wasnt treated fairly. Transunion is refusing to place the block on my report even though they have valid and acceptable documentation.
Product: Credit card or prepaid card

Synchrony Bank Made every monthly payment Paying off before one year when the promotion was 2 years Started in XX/XX/2018 Charged me 9 late payment charges totalling XXXX My account should be paid in full They keep you on hold And then hang up I cant believe this is legal Please advise how I should proceed Thank you very much
Product: Credit card

I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX  and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX  I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX. 

I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter. 

I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called. 

I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves TransUnion credit bureau and XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX falsely reported 90 days past due to my consumer credit file [ together ] with TransUnion. When I attempted to submit my DISPUTES on XX/XX/XXXX and early today, XX/XX/XXXX in response to XXXX XXXX XXXX XXXX 's fraudulent reporting ( 90 days ), my TransUnion consumer account would NOT allow me to submit my DISPUTE against XXXX ( with a TransUnion message : " Dispute Temporarily Unavailable '' ). I am filing this " timely '' DISPUTE, against TransUnion and XXXX XXXX XXXX XXXX [ together ]! I have kept, my XX/XX/XXXX car payment receipt. Technically, my XX/XX/XXXX payment isn't late until XX/XX/XXXX. In XX/XX/XXXX, I requested a deferment of my XXXX car payment via MrXXXX XXXX XXXX, President. He responded via an emailed transmission. I responded to his emailed transmission via USPS Certified Mailing with RETURN RECEIPT REQUESTED! IT IS MY POSITION, THAT LOCU employee 's ARE UNLAWFULLY PRACTICING SYSTEMIC DISCRIMINATION/HARASSMENT/RETALIATION based on my race, age, sex, disability, previous filed CFPB Complaints, XXXX filed complaints, financial status, financial hardship, and all other applicable violations ( i. e. FCRA ; ECOA ; Civil Rights violations and etc.. ). Prior to XX/XX/XXXX and after XX/XX/XXXX I have kept all of my receipts and documented emailed transmissions from XXXX. It is important to record, XXXX have reported fraudulent information to ALL consumer credit files. XXXX, have even breached agreement with me by assessing a {$40.00} late fee from each of my monthly car payments regardless of me paying timely or NOT! I AM DISPUTING, ALL OF XXXX DECEPTIVE TRADE PRACTICES! XXXX HAVE REPEATEDLY REPORTED TO LOCU THAT DUE TO EXTENSIVE JOB LOSS AND COVID-19 ( A NATIONAL PANDEMIC ) OUR PAYMENTS WOULD BE LATE OR SHORT SOMETIMES! HOWEVER, XXXX HAVE REPEATEDLY PRACTICED DISCRIMINATION, [ together ] with Experian, TransUnion and Equifax INSTEAD! I will fax any and all supportive documentation to CFPB for the sake of this complaint! IT IS IMPORTANT TO RECORD, THAT XXXX XXXX XXXX, ISN'T A MEMBER OF XXXX AND HAVE NEVER BEEN A MEMBER OF LOCU! VC @ XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continues to report inaccurate information on DPT EDXXXX Account # : XXXX XXXX. 

The account is listed multiple times on my consumer report which is damaging my consumer report and causing me to be denied credit. Furthermore the information on the account is not consistent with the other reporting agency which means this account has not been validated properly which means it also can not be verified as accurate. 

This is a violation of FCRA. I have filed a complaint and sent numerous letters to each for account deletion. 

DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX DPT EDXXXX Account # : XXXX XXXX Account Status : Closed Paid Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
Product: Debt collection

The collection agency are waiting for the credit bureaus to delete collections off my records and all three credit bureaus are refusing to delete collections off off 605B it is illegal to report anthing on my credit report without my permissionCreditPlense remove this negative To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of [ state relevant laws, rights, or agreements ] : Description of the Issue [ Clearly outline the conduct or behavior you wish to stop. Be specific, e.g., unauthorized use of copyrighted materials, defamatory statements, or harassment. ] Explanation of Violation [ Briefly explain why the behavior or action is unlawful, harmful, or inappropriate. Cite any laws, agreements, or rights being infringed, if applicable. ] This conduct has caused and continues to cause harm, including but not limited to [ list any damages or harm suffered, such as financial loss, reputational damage, or emotional distress ]. 

Demand I demand that you immediately deleted
Product: Money transfer, virtual currency, or money service

Im writing to express concerns about Zelles dispute handling, especially after the CFPB lawsuit highlighted significant issues. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle havent investigated my claims well. They said recovering lost funds and tracking transactions is impossible. The CFPBs findings show Zelle neglected consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious consumer safety concerns.
Product: Credit card or prepaid card

Good morning, Around XXXX & XXXX I went through some health issues & spent most of my time going to the doctor because they were not able to figure out what was wrong with me. 
I had to go specialists from XXXX XXXX XXXX XXXX XXXX XXXX, countless of blood work & so on. 
As you can imagine it was the hardest moment of my life & was not able to pay in time to my credit cards. 
Credit cards providers were called & explained the situation but no one was willing to work with me unfortunately. 
after many calls & good faith letters they were not able to remove those late payments. 
Time passed & was able to get back on my feet, all credit cards were paid off & balances were taken down. 

It has been 3 4 years since my fallout & no payment has been missed, everything was working wonderfully until we tried to purchase our first home. Hurts my heart that after all I went through to pay each and every creditor those late payments are still hurting my credit & not letting me & my family move forward. 
if my case was were I did not pay them I would take full ownership of my actions & in this case it does not apply to me. 

It would be life changing literally if you could help me take the next step forward. Please consider my words, actions & help me to the best of your abilities. 


Following accounts have reported late payment in the past. 

XXXX XXXX XX/XX/XXXX - 30 days Past due payment XXXX  XX/XX/XXXX - 60 days Past due payments XXXX XXXX XXXX  - XXXX XXXX 30 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days past due payments American Express XXXX XXXX- 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due payments XXXX XXXX I lost my job right after I purchased the car & had to work my way around to prioritize my bills. car is now paid in full. 

XX/XX/XXXX - 30 days past due XXXX & XX/XX/XXXX - 30 days past due payment. 

Thank you so much & have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES ITS BEEN MORE THAN 30 days and they are in violation of the " FAIR CARES ACT '' Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXs XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 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

In accordence with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.