23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

In 2014, a federal government-backed debt security was used to acquire a {$970.00} line of credit for the trust estate in discussion. Without the consideration of the trust estate, SYNCHRONY FINANCIAL presumed equitable interest, initiating a breach of fiduciary duties since the federal public security number owned by the Social Security Administration, a United States federal agency, was used to regulate the account. Through the oversight of material facts, SYNCHRONY FINANCIAL has neglected their official capacity, committing the offense of embezzlement of federal funds, initiating damages. SYNCHRONY FINANCIAL 's omission of material facts has caused them to devise a scheme to defraud, using the United States Postal Service for the purpose of executing the scheme. SYNCHRONY FINANCIAL had access to material, non-public information such as government-backed securities and have used this information to make trades in their company 's stock, resulting in significant capital while simultaneously annihilating the equitable interests of the trust estate. This performance is not only unethical, but also illegal, which undermines the financial market 's honesty.
Product: Debt collection

I sent a letter to XXXX XXXX XXXX XXXX, stating that in the " contract '' there were so many violation that I verified through 15 USC. I wasn't given the option to rescind, not documents were sent to me as the should pursuant to 15 USC 1635. The finance charge was disputed ad not being the sum of all charges as 15 USC 1605 was mentioned in letter. The contract states cash or credit not both. I paid a down payment of {$4000.00}. There is nothing on the contract about a cooling-off period, pursuant to 15 USC 1605 . The insurance was not included pursuant to 15 USC 1605. A email was received from XXXX XXXX ( XXXX XXXX ) XX/XX/2022, asking me to discuss my concerns. My concerns were clear in the letter sent and I asked that she reply to the letter. I then received a closed alert from CFPB and a response from Credit Acceptance. I then sent a email to XXXX XXXX XXXX of Credit Acceptance on XX/XX/2022. I later received a call from Credit Acceptance legal department asking me to call them which I returned the call and was told me " letter ' was received and they were reviewing it. At this point in all of this, I have been abuse, discriminated against, lied on and also taken advantage of by Credit Acceptance Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXX/XX/2022.
Product: Debt collection

I am a federally protected consumer and Capital One Auto Finance has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX SQ XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under the Truth in Lending Act ( 15 U.S. Code 1601 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), I am requesting the following : 1. Validation of the debt Provide a detailed breakdown of the original agreement, including all legally required disclosures regarding interest rates, fees, and changes to the account terms.

2. Proof of lawful reporting Demonstrate that the charge-off was reported accurately and complies with federal regulations.

3. Evidence of my liability If you can not provide the above, I request that this charge-off be removed from my credit report immediately.

Failure to comply with these requirements may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. Please respond within 30 days per federal guidelines.
Product: Credit card or prepaid card

I want this late paym

ent deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Product: Debt collection

See attached. 

Company was sent notice of violation of contract with previous agency. They were told to send proof that arbitration was fulfilled prior to adverse actions on this consumer account. Proof was never received, nor was debt validation as required by law. 

Company was sent notice of opt-out ; notarized and validated by witnesses. Continues to report against my consumer rights in adverse manner.
Product: Credit card

I have over XXXX American Express membership rewards points ( value of over {$1000.00} ) that I have earned and that appear as available on my account to use for travel booking and transfer to travel partner programs. However, American Express will not let me use or transfer any of my points as they advertise. Their website tells me my transfer requests can not be completed and when I called their customer service line to find out why, I was told that although my account is in good standing, it is " under review '' and no points can be used until the review is over. The rep could not tell me why it is under review or what the review consists of, nor could she put me in touch with anyone who could provide more information. She said the review process takes 6-8 weeks, but my account has been under review since XXXX/XXXX/16, which is already almost 12 weeks. She could not give me a date or any indication of when this review period would end and I would be able to use the points I have earned. There is a {$450.00} annual fee for the American Express Platinum card, plus another {$170.00} fee for adding authorized users, both of which I have paid. For that price it is unacceptable that I can not use the rewards that the card earned, with no information whatsoever about the reason or the date that they will be restored. Award travel needs to be booked far in advance, and the inability to use my points now will cost me in terms of price and availability of the travel rewards I plan to redeem.
Product: Debt collection

On or about XX/XX/XXXX or XX/XX/XXXX I had XXXX ; I signed all the necessary paperwork at the hospital. Around XX/XX/XXXX my wife and I pulled our credit report to see what was on it and I noticed I had a debit from affiliates in imaging out of XXXX, CA ; I was unaware of the debit was under the impression my insurance handled it since I did not get any notice from the company. I have asked for verification of the debit and was sent the last page of the hospital stating that it will contract out services. I tried to contact the Contractor that was original creditor and was told to contact Credit Bureau USA. They have sinced contacted me with the following information signature page from the hospital, payments made to the affiliates. The Collection Company " Creditors Bureau USA '' is NOT a Contractor of XXXX XXXX Hospital, therefore I do NOT owe them anything. I am asking for them to remove the derogatory marks from all my credit reports.
Product: Credit card

Discover continues to state my balance incorrectly. Please see attachment. 

A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. 
Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.
Product: Mortgage

Re:XXXX Dear Sirs, My loan was approved for an FHA-HAMP modification on XX/XX/XXXX. I was scheduled to make my first trial payment on or about XX/XX/XXXX. That was made successfully for the full amount of {$1100.00} and cleared on XX/XX/XXXX with documentation to verify. I also verified that payment was received and applied properly by CMS per terms on XX/XX/XXXX by XXXX, Employee ID XXXX. 

The SERIOUS CONCERN I have is today ( XX/XX/XXXX ) that I was alerted CMS has reported inaccurately that " Forclosure Initiated '' in all of my credit reports. This is in violation of FHA Single Family Policy Handbook XXXX and The XXXX Fair Credit Reporting Act. 

Regards, XXXX XXXX Loan No. XXXX
Product: Debt collection

MIDLAND FUNDING ( MCM # XXXX ) CONTINUE VIOLATED " FDCPA/ FCBA '' WITH HARRASSMENT, THREATS AND DEMAND NOTICE FOR PAYMENT OF ID FRAUD ACCOUNT NOT MINES, ACCOUINT OUTDATED PAST CALIFORNIA STATE STATUE OF LIMITATION ( 4YRS ) OPEN ENDED / CREDIT CARD ACCOUNT HAS EXPIRED TO COLLECT ... NOTE : FORMAL COMPLAINT AFFIDAVIT FILED WITH XXXX  CASE # XXXX, FTC CASE # XXXX AND POLICE REPORT FILED WITH " XXXX XXXX XXXX PD CASE # XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I requested XXXX XXXX  XXXX XXXX benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from XXXX XXXX XXXX attempting to collect the debt. I contacted Capital One to inquire about the debt and was told my XXXX request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from Capital One denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.
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 15 USC 1681. 



XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX 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 an 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 of the 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. 1681s-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.
Product: Debt collection

THIS CARD WITH XXXXTOTAL V WAS PAID IN FULL UPON CLOSURE. Account has not been updated since.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.
Product: Mortgage

Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act FCRA, these accounts listed below are violating my federally protected rights to privacy and confidentiality. 

XXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX The banking system is very dependent upon fair and accurate credit reporting. Any inaccurate credit reports directly impair the efficiency of the banking system and undermine the public confidence of this very same banking system. 
I sent out letter to the credit bureaus on XX/XX/2022 disputing these accounts, requesting them to be REMOVE from my credit file. Pursuant to 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER; ( 1 ) In response to a court written order, having jurisdiction to issue such order ; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give the bureaus any oral or written instructions to furnish any consumer report on my behalf.

The credit bureaus wrote me be stating that the information was verified. But how can it be verified when they did not follow proper procedure according to the law? They did not provide me with what reasonable procedures they used to verify these accounts. 15 U.S CODE 1681e ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT. ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum accuracy. It's very clear the credit bureaus are using my private information at my expense by damaging my consumer credit report and credit worthiness for their own financial gains with the data furnishers who they have special business interests with and neglecting I, the consumer who they are lawfully obligated to deal with in a manner that is fair and equitable. 

I, hereby demand the removal of the previously mentioned accounts from my consumer report effective IMMEDIATELY. and a { XXXX } fine for every violation of unauthorized information on my report since I first contacted the bureaus on XX/XX/2022 pursuant to U.S.C 1681n- Civil liability for willful noncompliance ). The credit bureaus continue to damage my CREDIT WORTHINESS AND MY REPUTATION.
Product: Debt collection

XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through CPS. I am divorced and in XXXX   trying to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.