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

I sent the below to all 3 credit reporting agencies with no response.

Re : Exclusion of Specific Transactions from Consumer Report To Whom It May Concern, After checking my consumer report, to my surprise the following company ( s ) is/are reporting a charge off ( s ) or late payment. 

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 I am demanding the following charge-offs ( s ) and late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection I - reports containing information solely as to transactions or experiences between the consumer and the person making the report.15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.

PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed. 


Thanks,
Product: Credit reporting or other personal consumer reports

Rc Willey has several late payments on my account as well as a balance they have not updated my account should be at {$0.00} because I paid it off in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt XXXX must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



Enclosed with this letter are documented proof of the expiration dates of these debts under the statute of limitations. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter.
Product: Mortgage

My grandmother passed in XXXX, left property to family. I was listed on said property and when I tried to take over payments I was told I was unauthorized. I sent in numerous doucuments that they asked for, I was still denied access to this account until XXXX, XXXX. At this time the property was placed in forclousure. We went to court, the Judge ordered citifinanical to work with me to resolve the issue. They did not. I am working with XXXX and I know what they have done is illegal. please help me. They have taken my property and are trying to evict me using the same documents that should have allowed me access to the loan to enable me to pay the debt. when i sent in payment of any form it was denied,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, XXXX, and TransUnion. There was an update XX/XX/XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Report of Data Breach Violating 15 USC 1681 Dear CFPB, I am writing to formally report a serious data breach that has exposed my personal and financial information, including debts listed in the enclosed photo. This breach has led to violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and privacy of consumer information.

The photo attached to this letter shows specific debts that were not only inaccurately reported but also exposed without my consent or knowledge. This unauthorized disclosure raises significant concerns about identity theft and the integrity of my credit report.

The information related to my debts was shared inappropriately, putting my financial stability at risk. I believe that the entities responsible for this breach have not adhered to the required guidelines for protecting consumer data and ensuring the accuracy of information reported to credit reporting agencies. 

I urge the CFPB to investigate this matter thoroughly and take the necessary actions to address the violation of my rights and the potential risks to my financial well-being. I am requesting that you assist me in rectifying the inaccuracies on my credit report and safeguard my information from further breaches. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Request for Investigation into Fraud and Involvement of Financial Accounts Dear Sir/Madam, I respectfully request that the Consumer Financial Protection Bureau XXXX CFPB ) initiate an investigation into the role of Bank of America in a fraudulent transaction, specifically involving the account holder XXXX XXXX XXXX I kindly ask that the following information be verified XXXX XXXX Account I request a thorough investigation into the Bank of America account registered under the name XXXX XXXX, including transaction history, and whether this account is still being used for fraudulent purposes. 

I made an investment of XXXX XXXX  ( approximately {$1100.00} USD at the time ), transferred between XXXX and XX/XX/year> from my XXXX  XXXX account to an account under the name of XXXX XXXX at Bank of America ( Account Number : XXXX, XXXX XXXX : XXXX ). This payment was made under the pretense of an investment, but no return or service was ever received. 

This transaction is part of a larger fraudulent network. I urgently request confirmation that this payment can be traced, and that all accounts associated with XXXX XXXX are examined in connection with suspected fraudulent activity. I also request that immediate action be taken to recover and return the funds. 

Please note that this matter is also part of a broader case currently being submitted to judicial authorities, involving multiple individuals suspected of participating in this fraud scheme.
Product: Credit card or prepaid card

On XX/XX/XXXX I have a XXXX charge from XXXX  that I don't recognize. I immediately called it in as Fraud, and was promised a provincial credit and was never given that. On XX/XX/XXXX I got a letter that charge was indeed fraud but I still haven't received any credit and was charged since late fees and interest. Today XX/XX/XXXX when I inquired why the charge is still there I was told that this was never called in as fraud.
Product: Credit reporting or other personal consumer reports

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am trying to payoff my Seterus mortgage with my savings and requested an online payoff.payoff online. After several days waiting for the quote, I called Seterus. The representative stated that payoff quotes took 7 to 10 days. Not sure why it takes the company so long as I was able to calculate the payoff in 30 seconds ... .. Very upset that I am paying {$30.00} a day in interest while I wait for Seterus to provide a payoff. Makes me wonder if the company is intentionally delaying payoff quotes to earn few XXXX dollars in extra interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit card or prepaid card

I have been a XXXX XXXX XXXXXXXX for the past few years and an issue has happened to me with Syncronic Bank and my Pep Boys card. This account is closed without any notification to me, it turns out that I made a payment on XX/XX/2022 for {$35.00} from an account that I mistakenly chose in the application, this payment account is not the one I usually use for payment. I realized the next day and made the payment again on XX/XX/2022 for the same amount but from the account that I used to make these payments. I obviously knew this would have an NSF charge on my next bill. I don't understand. The payment date is every XXXX of each month and I have never been late, I paid before time and I resolved the situation long before the due date of the corresponding payment and they closed my account. I understand that this is a situation of malpractice in consumer law, in this case my person. And my credit is excellent. If this is the case then they should cancel the other cards that I have with which there are XXXX with Synchronic. I would appreciate it if you explained to me why the credit of this account was closed, since I find that it is an injustice. Details and Reference available at your disposal. Thanks to may interest.
Product: Student loan

I cosigned my daughter 's student loan from XXXX ( now Navient ) almost 9 years ago. The understanding was that once she made 24 payments on time and was working and had established good credit, I, as the cosigner, could be released. Two years after she made 24 monthly on time payments, we attempted to get a release to no avail. Navient had changed the due date of her loan without advising her and that became the reason that they would not release me as cosigner. Fast forward several years ... My daughter is a XXXX for XXXX and makes 3 times what I, as a XXXX and XXXX, make. As a XXXX, it is common practice in XXXX to have the XXXX use their own credit cards for entertainment and travel, then get reimbursed by the company. Although we sent all of the appropriate documentation to Navient, they refuse to consider my daughter 's situation as an XXXX who gets reimbursed at the end of every month for the expenses relative to doing business. They have continually refused to release me as cosigner no matter what. I would like an investigation into how many people they have released as cosigners and I would like a financial person to review my daughter 's situation. Their customer service people are rude and nasty, unhelpful, and the company is completely shady. When it was XXXX, they were much easier to deal with. It is also notable that my daughter has paid more than the monthly required amount and they still will find a way to deny the request for cosigner release. Please review and look into this. Thank you.
Product: Debt collection

This debt is past statute for collections. FBCS, Inc. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with XXXX  XXXX and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with XXXX  XXXX and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.
Product: Debt collection

please see case number for detail XXXX i am filing complain against CAPITAL ACCOUNTS behalf of my husband and daughter who are old, XXXX my daughter XXXX XXXX went for XXXX XXXX to see XXXX XXXX who gave estimate never finish or completed work, his claim was denied by all insurance company as well credit card company ( see all upload files ) then he turned to my husband kripa who has no knowledge of him he does not know this Dentist also she is not on our insurance and we don't have power of attorney, He just wants to harass and destroy our credit for invalid charges so he hired CAPITAL ACCOUNTS since life has been night mare they called day and night with different phone number even my cell phone always unknown so we are scare, we explained to them, sent certified letter ( see file ) and letter from ATTORNEY GENERAL office somehow they don't care they are trying to rob us or make money. 

Even XXXX XXXX  tried to mediate but they told them they have no intention to complete work except collect invalid charges nd they block and spam my email when i was trying to make appointment and Collection agency knows
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me XXXX  days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Product: Credit card or prepaid card

MACYS/DSNB is reaging their account on my credit report by reporting 52 charge offs, the most recent as on XX/XX/2020 this is a violation of the FCRA and very damaging to my credit worthiness.
Product: Vehicle loan or lease

Hello, I am in the market to find a loan for a new car. I found the site Lending Tree where I read that I could get the rates from several companies. I filled out the form and at no time was told I would be getting a hard inquiry from any companies. The form led me to believe I was only going to get general rates ( which of course they hide behind these forms ). After filling it out, I was told the companies would contact me. What I am now receiving is full on loan application responses with hard inquires done. Some of these are coming from companies that were not even mentioned on the application. 
I called the company and was told the possibility of a hard pull on my credit was noted in their disclosure forms. These forms were not presented nor mentioned during the process noted above. I would have never agreed to have hard inquires as I already have 6 on my account and have waited over a year to bring that down from 12. Now I expect to have many more that were never wanted or asked for.

Needless to say I feel very misled and lied to. My family depends on my credit score and they have done significant damage to it.
Product: Debt collection

Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.
Product: Credit reporting or other personal consumer reports

Please remove XXXX XXXX XXXX XXXX  from my credit.This is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has placed inquiries on my credit report and I have not given them permissible purpose to obtain my credit report in no way whatsoever I tried to contact the company but the company has put me through the loops and I can never get in touch with no one who will assist me properly I wrote them they have not responded and now I am seeking help from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and I was informed to send my id social and bill. I sent them everything. They have inquiries that do not belong to me. I provided them police report and I was told it would take 72 hours for the items to be removed. They are still there after months of me speaking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

Bankruptcy XXXX XXXXXXXX XXXX
Product: Debt collection

Hello, I have contacted Portfolio Recovery Associates located at XXXX XXXX XXXX. 
XXXX, VA XXXX via certified mail on several occasions requesting that they validate a debit currently being attributed to me. I have requested the following : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Agreement between your company and the original creditor that authorizes you to collect on this debt However, they have failed to provide me with any of the above with the expectation of printed statements which does not confirm that the account belongs to me.
Product: Credit reporting or other personal consumer reports

I recently became aware that a company call RADIUS GLOBAL SOLUTIONS pulled my XXXX credit report on XX/XX/year>. I've never heard of this company. I want to know why they pulled my credit report.