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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear Experian, XXXX XXXX CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$9100.00}.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX # XXXX {$0.00}, XXXX XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX {$0.00} did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my disputeXXXX, you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that XXXX, XXXX XXXX and EQUIFAX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). I am aware of your illegal practices of sending form letters in response to disputes and challenges. from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show 30, 60, or 90 past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
Please delete the error
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all bureaus.
Product: Credit reporting or other personal consumer reports

I am sending this request to formally dispute the accounts that appears on my credit report. These accounts are incorrect, and I request it immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within XXXX  days. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX XXXX, Account number : 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 602 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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: Mortgage

I applied for a modification, my mortgage balance was aroun d 130K at the  time, by the time the mortgage was approved, the arreerages were around another  20K,  I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for  XXXX  dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of  XXXX .
I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to   XX/XX/XXXX   so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a   XXXX   year old  XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.
Product: Student loan

On XX/XX/XXXX, I was contacted by Navient and told that a private loan held by them would enter into default if I did not make a payment. A payment arrangement was made for XX/XX/XXXX. On XX/XX/XXXX, I received a letter claiming that this loan was in default. After calling to discuss it, I was told that they had never received any payment and that my loan could not be removed from a defaulted state. After checking recent bank records, I saw no evidence of any attempt to collect the payment as arranged. This is counter to the agreement made with Navient 's customer service and when this was mentioned, my complaint was dismissed with a statement that it " did not go through '' and the agent I spoke with ( " XXXX XXXX, '' likely a pseudonym ) attempted to pressure me into making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my TransUnion account. They sent me a passcode. I put in the correct passcode, pasting it in. They said they could not verify my account and locked me out. I spent a good part of this morning trying to get in via customer service, and they were unable to confirm my identity, get me into my web account, or remove my credit freeze. 

They had a girl with an abysmal accent on a bad phone connection ask me multiple-choice questions from my credit report to try to verify my identity before they could help me. I could not understand her, so I could not answer correctly, and I failed to validate my identity. Is this really the only recourse they have to quickly confirm my identity over the phone and get me into my web account or at least temporarily remove the freeze? 

I was greatly inconvenienced, delaying and possibly missing three deals on two credit cards and a new mobile account and phone. 

I went in tonight to create a new account at TransUnion, which, surprisingly, they quickly and easily let me do. Now how is it that they can't verify me to let me into my current account, but their automated system let me create an entirely new account in seconds with less information? So a hacker could have gained full access to my credit history by creating a new account? 

Pardon me but XXXX?! 

I worked in customer service years ago, and this is unacceptable. Now I have to get them to either merge the two accounts or get me into the old one and delete the new one. They even charged me for a new credit report. I did not order a new credit report. I created a new account with them. I already got a free credit report at their suggestion. Why would I pay for one? This is highly unusual and entirely unacceptable. 

What are you going to do about it?
Product: Checking or savings account

Bank America is not crediting my account for fraud. Someone bought XXXX backpacks from XXXX different websites in one day and they're only crediting me for XXXX. They said I had knowledge of the other backpack being bought from XXXX somehow. The person made an account with XXXX to buy XXXX of the backpacks, but used a pre existing XXXX account buy the other backpack. I suspect they're not honoring the fraud because an account I already had made made XXXX of the purchases. XXXX backpack was sent to XXXX and the other to MA. I dont agree with Bank of america not refunding me for both. I had reported both immediately and did stop payments to the vendors after I saw recurring payments were bing set up too.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

the company responded to say was accurate without proof of the business address or phone number voice recording saying these are my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX and 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 a account without my written instructions
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Credence RM. I did not open or authorize the account that you are reporting a balance of XXXX. This fraud account was not opened by or used by me. I've never had any obligation with you nor the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Checking or savings account

The bank will not allow me to have any access to -- or even discuss -- my late wife 's checking account, even though I presented valid Power of Attorney forms, Death Certificates, Social Security cards, my NY State Driver 's License, and other forms of authority and identification. 

I contacted : XXXX XXXX, Manager, Customer Relations HSBC Bank USA, NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My request was rebuffed. The account number in question is : XXXX I would greatly appreciate your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 's checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

ErAse all names that is not XXXX XXXX XXXX. Erase all Addresses besides XXXX XXXX XXXX XXXX wi XXXX
Product: Checking or savings account

PNC bank is refusing to reimburse all of our money over {$20000.00} that was all unauthorized transactions because I didnt see it within 60 days. I am on XXXX and my husband is going to be XXXX and the stress of this situation is unbearable we have bin with PNC for 30 years and never a problem and now its become a nightmare
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX 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. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

XXXX XXXX XXXX Hospital XXXX MO bill for services on XX/XX/XXXX and XX/XX/XXXX was sent for collection to AMCOL Systems on XX/XX/XXXX. XXXX XXXX XXXX. XXXX SC XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX AMCOL collected a monthly fee of {$4.00} with the {$20.00} payment in violation of XX/XX/XXXX Missouri Revised Statutes Title XXVI Trade and Commerce Chapter 408 Legal Tender and Interest Section 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. Complete debt information was not provided in the original letter. 

" Universal Citation : MO Rev Stat 408.096. 

Loan arrangement, excess fee prohibited for certain transactions -- penalty.

408.096. No person, firm or corporation shall receive or impose any fee or charge, other than one expressly provided for by statute, for arranging credit in the amount of XXXX XXXX dollars or less the proceeds of which are intended to be used by the borrower primarily for personal, family or household purposes. Any contract evidencing such excess fee or charge and any note evidencing credit so arranged is void. Any person, firm or corporation who receives or imposes a fee or charge prohibited by this section is guilty of a class B misdemeanor. 

( L. 1979 S.B. 305 ) Annotation Copyright Missouri Joint Committee on Legislative Research ''  XXXX XXXX XXXX This statute affects the Missouri Fair Debt Collection Practices Act. 

Representatives XXXX XXXX and XXXX, Supervisor XXXX, and Cheif Financial Officer XXXX XXXX refused to send documentation of amount owed and the amount paid. Returned call on XX/XX/XXXX XXXX read a letter from XXXX XXXX claimed that they are a payment collection service, not a debt collector. XXXX refused to send physical copy of XXXX XXXX 's statement, physical copy of amount owned and list of all of my payments. Said the fee was for debit and credit card collection and mailed in payments were free. Would not send a physical copy of the terms of collection. 

From XXXX XXXX XXXX " Validating the Debt Within five days after contacting a debtor about paying a debt, the collector must send a written notice that includes : the name of the creditor and the amount of debt ; that the debt will be assumed to be valid unless disputed within 30 days. If disputed, the collector will verify it and send a copy of the verification or of a judgment against the consumer. 

During a period when a debt is being verified, the collector may not attempt to obtain payment. 

Unfair Practices : Debt collectors may not engage in unfair practices such as : collecting any amount greater than your debt, unless allowed by law ; making you accept collect calls or pay for telegrams ; depositing a post-dated check prematurely. '' Source : Missouri Division of Finance Consumer Credit Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Senior Counsel/Consumer Credit
Product: Debt collection

Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.