23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Civil Rights Division of the Department of Justice, created in 1957 by the enactment of the Civil Rights Act of 1957, works to uphold the civil and constitutional rights of all persons in the United States, particularly some of the most vulnerable members of our society. The Division enforces federal statutes prohibiting discrimination on the basis of race, XXXX, XXXX ( including XXXX, XXXX orientation, and gender identity ), XXXX, religion, familial status, national origin, and citizenship status. This is a direct violation of the laws
Product: Credit card or prepaid card

Agreed to complete 12 month payment program to get my account back into good standing without closing the account. Informed by numerous representatives that once I completed the program, my monthly payment would be reduced and my account would no longer be suspended and I would be able to use the card again. Informed by manager XXXX XXXX Id # XXXX on XX/XX/2020 that even though I completed the program, my account could be suspended indefinitely. Discover NEVER mentioned this information to me when I first enrolled in the program nor when I called in and asked about my account being reviewed and unsuspended in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a written request asking for copy of credit report as I have ITIN number. As I did not received anything I ended up calling XX/XX/2022 requesting copy of credit report. representative had stated that I would be getting a copy of credit report within the next 6 to 7 business days. Representative with XXXX stated that the reason to why I have not received a copy of credit report is because they have a second last name which is XXXX but on my document with my ITIN number given to me by the IRS it does not have my second last name not sure how they got my second last name but I have attached copy of documents to verify identity. Bureau have my name as XXXX XXXX XXXX XXXX I never use my second last name! I have only received copy of credit report with XXXX XXXX still missing XXXX and Equifax. XX/XX/2022 I called XXXX and Equifax a second time requesting credit report as I have not received anything up to this date. XX/XX/2022 I contacted XXXX but I was unable to get a hold of a rep. I have the right to a free credit report and I have submitted copy of documentation stating verification that identity is mine. Yet nothing has came in the mail.
Product: Credit card or prepaid card

Syncrony bank closed my belks account after I made a complaint to consumer Financial Protection Bureau. The day I made the complaint I received an email from synchrony bank to get in touch with them to work something out when Icalled the president of customer relations she said there is nothing we can do for you and they closed my account.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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 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

upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete 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 first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I received an alert from the credit bureaus that a collection account was added to my credit reports. I never received any notices in regards to this collection, nor do I have any knowledge about this. This also is in violation of HIPPA.
Product: Credit card

Upon receiving your correspondence dated XX/XX/2024, I noted the mention of a delinquent credit obligation ( s ) on my credit bureau report as a contributing factor to the denial of my request for credit. While I appreciate the transparency provided regarding the basis for the denial, I seek further clarification on several fronts to ensure that all relevant legal provisions have been adhered to. Under federal law, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), creditors are mandated to adhere to strict guidelines concerning fair lending practices, non-discrimination, and the provision of specific reasons for adverse actions on credit applications. Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further protections to consumers, including the right to be informed of adverse actions based on information obtained from consumer reports. As a consumer residing in Pennsylvania, I am also afforded protections under state law, including the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of credit application be in full compliance with both federal and state credit laws.
Product: Credit card

In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get my free credit report and credit profile after I answered all questions correctly.
Product: Consumer Loan

XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Cease and Desist Request for Deletion of Collection Account Dear LVNV FUNDING LLC, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To ensure full compliance with the Fair Credit Reporting Act and relevant privacy regulations, I am formally requesting Experian to provide the " method of verification '' as stipulated in FCRA Section 611 ( a ) ( 6 ) and ( 7 ). These sections require that a consumer reporting agency, upon request, must provide a clear description of the verification process used to determine the accuracy of disputed information. 

This request is made to uphold my rights under : FCRA, Section 602 ( a ), 15 USC 1681 : Ensuring that consumer reporting agencies operate with fairness, impartiality, and respect for consumer privacy. 
15 USC 6801 : Mandating financial institutions to protect the confidentiality of nonpublic personal information. 
15 USC 1681, Section 604 ( a ) ( 2 ) : Requiring written consumer consent for furnishing consumer reports. 
15 USC 6802 ( b ) ( c ) : Obliging financial institutions to inform consumers about nondisclosure options. 
15 USC 1681C ( a ) ( 5 ) : Prohibiting the inclusion of adverse information older than seven years, except for criminal convictions. 
15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) : Prohibiting the furnishing of information believed to be inaccurate. 
15 U.S. Code 1681e : Requiring consumer reporting agencies to establish procedures to prevent violations. 
12 CFR 1016.7 : Affirming the consumer 's right to opt out of information sharing. 

In accordance with these legal requirements, I expect Experian to provide a notarized statement attesting to their compliance with these statutes concerning my account. Failure to comply will necessitate further legal action to ensure the protection of my rights
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. 
The entry reads : [ Collection /Chargeoff Accounts : Accounts seriously past due ] [ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NORDSTM/TD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX -- High Balance : {$800.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Paid Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Complete Department Stores - Clothing All Banks XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX entry reads : -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$5400.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$5400.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Individual -- Dispute Status : -- Account not disputed -- Creditor Type : -- Bulk Purchase Finance -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
-- Payment Amount : -- {$0.00} -- Last Payment : -- -- Term Length : -- XXXX  Month ( XXXX ) -- Past Due Amount : -- {$5400.00} -- Account Type : -- Unknown - credit extension, review, or collection -- Payment Frequency : -- -- -- Credit Limit : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).

This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
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 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 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 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. 16815-2 ( 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.