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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDXXXX 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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

ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.
Product: Credit reporting or other personal consumer reports

15usc 1681 In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX & XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX U.S.C 1681 Section 602 A. states I have a 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 XXXX 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

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 ). 

Attached : Identification, Proof of Address, Letter from advocacy group, and Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Chase failed to provide compensation for XXXX Class Action Services, amount is {$1700.00}, as indicated in their letter dated XXXX XX/XX/2018. Chase cheated with the settlement, promised by federal court and significantly delay payment so that victims eventually forget such a payment. It is illegal and fake practice by Chase. Chase Rewards, Program Settlement, XXXX. XXXX XXXX, XXXX, RI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them. I implore you to take immediate action to remove these records and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

This is my formal complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late but open status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$10000.00}, should be corrected by the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

XXXX XXXX 2017 i called to cancel my payment because I ca n't pay. The agent kept asking why I ca n't pay. I told her I 'm switching jobs and want to call back when I for sure have the money. She then said she can delete the payment. She asked if they can call me. I said no. She then said " Collections efforts will still continue '' which I felt like was a threat. I was planning to call back once I did my budgeting and possibly pay the balance this month, but the way I was threatened, I do n't want to.
Product: Debt collection

I am a victim of identity thief. I have 2 accounts that were open XX/XX/XXXX. I have taken numerous of steps to try to revolve this matter with BMO but I have yet to resolve this issue. I am a victim of my data being breached and the company that let my data be compensated has paid for a restoration service through XXXX. The restoration company representative his name is XXXX XXXX, he and I was been trying for over 3 hours today XX/XX/XXXX to get the process of BMO when there is an Identity thief case. We were on hold for 2 hours, we asked for supervisors and were disconnected numerous of times, we asked to be transferred to the fraud department and was disconnected numerous of times, and even after all of that we still have not received the protocol or the procedure to handle a victim of identity thief case that I am experiencing. There is no reason why this should be the experience of a consumer that is a victim of identity thief. With me being a victim of identity thief I should not have to get the run around to get Information to remove these BMO accounts removed from my report. BMO should not be able to not provide the information needed or should the be able to hang up the phone or not provide a representative or supervisor that can provide the procedure for this issue.
Product: Credit card

chase bank is closing my credit cards. 
I have no negative credit reports. 
I only solely. bank with them so I get my credit card applications under them. its easy to track and make payments between personal acct to the XXXX credit card accounts. 
the letter said careful consideration decide to close all XXXX credit card accts all at once on XXXX. they made the decision XXXX of unexpected activity I conducted on the card or other chase account. 
I'm very careful and protecting my credit score is a must and highly practice. 
I want too talk to them but no number written on the letter I received. 
even the bank teller can't tell me more further than an explanation or a specific activity that made them close my accounts. 
this is not fair cause I bank with them for a long time. approved me for those credit cards and now if they close all and I won't have any credit line I can use cause the cards will be closed but with balances. applying will be different cause I won't be granted having those balances on the accounts. now I have bills that are paid using cc. I mean having to change payments for my accounts payable will take time and considering I have not done anything wrong that they are suspecting me of conducting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about inquires I did not authorize and I also made them aware of my information being compromised on the dark web therefore I needed my report locked and the inquires removed I was ask to file a report which Im doing by following up with you guys
Product: Checking or savings account

Hi, I deposited a check I received from my credit card company XXXX XXXX. The check was a refund for the balance. I deposited this check into my Merrill XXXX account on XX/XX/2022. Once the funds became available I began using my funds. My account was locked subsequently. I have been patient with Merrill XXXX to unlock my account or close my account. They have decided to do neither. I spoke with rep XXXX XXXX who advised me to step into a branch with a letter proving I received those funds from XXXX XXXX. This was distasteful and disrespectful as I felt treated like a criminal. This is also after 30 days of lies claiming I would receive a call from the back office. I never received a call. Since Merrill XXXX treats their CLIENTS like CRIMINALS, I want to immediately end my relationship with them.
Product: Mortgage

We bought our house XX/XX/XXXX in benefit of our family. we have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all responsibilities. I was sick and XXXX. XXXX owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP TRIAL PROGRAM. XXXX TOLD ME TO CONTINUE MAKING MY PAYMENTS WITHOUT SKIPPING ANY PAYMENTS. I continued making my payments every month but they continue asking for the same documents over and over. every month I asked them when will I get my final approval the answer was they were waiting for another department to finalized the paperwork and they will send my final approval by mail. after a year XXXX TRANSFERRED OR SOLD MY LOAN TO PENNYMAC BANK without asking me or telling me anything. It was until maybe 2 months later when I received a letter from PENNYMAC BANK SAYING THAT THEY WERE MY NEW LENDER. 
THIS IS A BREACH OF CONTRACT. PENNYMAC BANK SAID THEY COULDNT PROCESS MY PAYMENTS AND I HAVE TO START ALL OVER AGAIN!!!. 
THEY SAID THEY COULD N'T HONOR MY PAYMENTS BECAUSE THEY DIDNT HAVE MY FILE. XXXX INTENTIONALLY SOLD THE LOAN TO PENNYMAC BANK AND NOW THEY DO N'T WANT TO PROCESS THE LOAN MODIFICATION. AFTER ALL We continue communicating with PENNYMAC BANK looking for more options to avoid losing our house. We tried asking for help and they were sending us misleading information by mail to apply for their programs but we were declined all the time, we tried XXXX program but PENNYMAC BANK did n't want to participate on their programs. it has been very stressful situation and severe emotional distress due to their actions and negligence on the law. These banks abuse the borrowers right as a Lenders and they do unfair business practices. 
PENNYMAC BANK MOVED IN TO A FORECLOSURE PROCEDURE without trying to honor a Loan Modification. they continue charging us late fees and legal fees on top the the NEGATIVE LOAN BALANCE THAT WE ALREADY HAVE ACCUMULATING IN TO MY LOAN AMOUNT. CITIMORTGAGE AS WELL PENNYMAC BANK ARE FULLY RESPONSIBLE OF THIS SITUATION DUE TO THE BAD AND ILLEGAL PRACTICES. PENNYMAC SHOULD KNOW THAT WE WERE ALREADY APPROVED FOR SEVERAL MONTHS BEFORE THEY ACQUIRED MY LOAN. 
On or about XX/XX/XXXX the filed an NOD they were supposed to contacted me as a borrower and explore options and avoid foreclosure but they did n't. I tried to avoid foreclosure all the time and I will continue fighting for my legal rights.
Product: Debt collection

I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I purchased a {$200.00} prepaid XXXX gift card from XXXX XXXX and XXXX. I tried to use the card a month later and found out that somebody else had used the card ( stolen ). I immediately called customer care and sent in required information to have the card replaced. I have since obtained a new gift card in my name and while waiting close to a month to have the three fraudulent charges disputed, I have been sending more than 3 faxes and just today I was told that whoever put in the dispute form mistakenly put in Washington State instead of XXXX XXXX ( where I live ). They just told me that I have to start the procedure all over again because it was an error that they have made. I can clearly see that the fax I had sent in has the correct address with XXXX in the state. I simply wish for the stolen money to be returned back to the card.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


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 filing a complaint against Equifax for failing to correct multiple inaccurate late payment notations on my credit report. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting under 15 USC 1681e ( b ) and the right to privacy under 15 USC 1681a ( 4 ). Upon reviewing my credit report, I identified four accounts where late payments were inaccurately reported and should be updated to reflect a " Paid as Agreed '' status. These accounts include 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 Equifax has failed to conduct a proper investigation as required under 15 USC 1681i ( a ). Additionally, under 15 USC 1681b ( 2 ), a consumer reporting agency may only furnish a consumer report by the written instructions of the consumer. I never provided written authorization for Equifax to report these inaccurate late payments. By failing to ensure accurate reporting, Equifax has not only violated federal law but has also caused significant harm to me, including defamation of character, emotional distress, and financial hardship. Due to these inaccuracies, I have been unable to secure a mortgage, which has left my family in a vulnerable housing situation. I am requesting that the CFPB investigate Equifax 's failure to comply with federal law and take immediate corrective action. I demand that Equifax update the accounts to reflect a " Paid as Agreed '' status, provide written confirmation of the corrections, and issue an updated copy of my credit report within 14 days. Equifaxs negligence in reporting and failure to correct these inaccuracies violate my rights under the FCRA, and I urge the CFPB to intervene to ensure compliance and accountability.
Product: Vehicle loan or lease

XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017. 

I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans. 

I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX  XXXX. 

XXXX XXXX