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 confidentiality under 15 USC 1681. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1XXXX XXXX XXXX XXXX- Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account Number:XXXX has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXX-Account NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Product: Debt collection

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$1400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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. 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

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I contacted Suntrust and provided the information about the 3 unauthorized transactions on my account. They denied my claim and refused to respond to me promptly until I filed a complaint with CFPB. They then assigned an agent named XXXX XXXX to work with me on the case and asked me to provide additional information on the case. However, this agent never responded to my call or email requesting status update. 4 weeks after I submitted the rebuttal form, they simply said that I did not provide any additional information and denied my claim again. I was hoping that the bank would do their investigation but apparently it did not seem so. Below is what I stated in the rebuttal form. As a consumer, I do not know how to prove that I did not authorize these transactions. 

" I looked at XXXX policy and they stated that if the fraud transactions were not authorized by the account owner, I should be refunded the full amount stolen. In this case, I hope to recover the full amount of {$1300.00}. 
The following XXXX transactions were NOT authorized by me, and I only saw the transactions when I checked my accounts on XX/XX/2020 : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I again can not or do not know how to prove that I was hacked. I hope that the bank fraud protection would be able to assist me in finding out how and when I got hacked. My suggestion is that the investigator should look at the IP addresses that the XXXX  transactions were initiated from. Also, I immediately made changes to my account log-in information the moment I realized the fraud, and these XXXX transactions stopped after. 
Again, I did not authorize any of the 3 transactions listed above. '' I hope CFPB can request Suntrust to do a better job with their investigation and consumer protection. It appears to me now that Suntrust does not want to help me with this case, they just want me to sustain the damage from Identity Theft.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

XXXX XXXX Please review the complaints I filed regarding Grain. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, Grain advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - Grain allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit.

Since Grain has failed to respond to me Im not sure what is going on
Product: Money transfer, virtual currency, or money service

I contacted Bank of America ( BOA ) about disputing a charge on XX/XX/2020. BOA asked me to send in information about the dispute, which I did. On XX/XX/XXXX, BOA concluded they could not dispute the charge because the method of payment was XXXX XXXX. On XX/XX/XXXX, I contacted BOA via telephone to request documentation showing the information they used to come to that conclusion. I was not provided with any investigation documents. I was again provided the same response that BOA could not do anything to solve the dispute. On XX/XX/XXXX, I sent BOA an email from XXXX XXXX   support showing that XXXX XXXX would work directly with my bank to solve the dispute. The email from XXXX XXXX support is attached. I also sent a written request for documentation used in the BOA investigation, which is attached. I have not received any documents. XXXX XXXX can be seen on their twitter account telling multiple people that if a bank disputes a charge that XXXX XXXX is required to refund the funds. Responses from XXXX XXXX stating they are required to return disputed funds are attached.
Product: Debt collection

LVNV funding is legally allowed to collect debts In New York lvnv is violation of state law and federal law under fdcpa this debt is from 2018 Which is time barred from being reported on my credit report and needs to be removed now LVNV funding / XXXX  XXXX  in New York State This is the law of nys and nyc since your not licensed in my state you must remove your Self from credit report Disclosure requirements, including a requirement that validation of debt notices contain a disclosure advising that medical debt information can not be reported to a consumer reporting agency, regardless of whether the debt at issue is a medical debt, and that a consumer disclosure regarding time-barred debts be provided when the debt obligation is outside of the statute of limitations. Debt collectors that sell, transfer, or assign time-barred debt also must provide clear and conspicuous notice to the assignee that the statute of limitations has expired.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL INQUIRIES ON MY REPORT AND THEY DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies and violations from accounts on my credit report that I discovered. After months of Transunion sending stall letters I finally got them to investigate my dispute letter just for them to tell me everything is " accurate '' or " verified '' when I directly pointed out the violations and inaccuracies. Also, under 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) I requested a description of the procedure that was used to determine how these accounts are " accurate '' or " verified '' which I still have not received. These accounts and the agency stall tactics that they are keep using are hindering me from a better future for me and my family. I need these accounts DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Due to my tenant at my rental property being late I had to pay for y mortgage at the rental property and my rent in XXXX which put me in a bind. So I called my car company for a deferment which I was approved for to go on the back end. I was not informed that it would incur a late payment on mu credit. I called to get help at XXXX  and due to their miscommunication I seen that I got a late payment on my credit. I would have never opted for this payment arrangement. They would not pull the call of my conversation with the representative to hear that I wasnt told that with the deferment there would incur a late payment. I would have never done this. I have tried to talk with them But they have not tried to help me fix this. They need to do a better job with telling their customers about this could happen under the payment arrangement. This has not helped me fix my credit which I am working on. I was trying to prevent a late payment occuring. This late payment dropped my credit down XXXX points. Under the arrangement I was told to pay {$440.00} on XX/XX/XXXX {$290.00} on XX/XX/XXXX. Regular payments start back up on XX/XX/XXXX. I made the payment of my XXXX on XX/XX/XXXX to end my payment arrangement because it hurt me more than helped me. Thai complaint is with XXXX XXXX
Product: Debt collection

Blitt and Gaines, XXXX XXXX, XXXX XXXX  I had a XXXX XXXX XXXX XXXX.Card was lost..debt owed was acquired by XXXX XXXX Judgement was obtained against me on deceptive way..with my name wrong address..I was never notified to appear..default by failure to appear..Lein on my property as a result..in XXXXjudgement paid property sold in XXXXshould be end of story.., In XXXX XXXX XXXX  acquired ownership of XXXXXXXX XXXX financial..now trying to collect under XXXX XXXX XXXX an old XXXX 's debt..that was already paid..bad book keeping..I have never done business with XXXX  XXXX XXXX.. sperate entity from XXXX  XXXX credit card company..this is all very deceptive..on the lawyers part..my name ..wrong address..judgement already paid..now trying to collect again..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Collection Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Various Inaccurate dates and information concerning ownership and balances exist on each one ) All Listed accounts have violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions or 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make a inquiry and view my credit report. This is a violation of the Fair Cru Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as pc the Fair Credit Reporting Act section 6l1.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXXXXXX XXXX. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections, Due to bad practices. Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of XXXX XXXX on my financial standing. My personal information and account information, which has adversely affected my credit and led to the involvement of several collection agencies. Due to Aggressive and threatening collection practices with previous help from the cfpb. They have ceased and desist and closed the account due to the threatening of incarcerated me by one of their agent agents they have sent me apology emails and said that they were closed the account with no late payments or etc.. The account was also to be removed as agreed from my credit profile that has not been done since XXXX I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my previous requests for removal of this debt, XXXX XXXX has failed to provide the necessary documentation to substantiate its legitimacy to not remove the account of credit reports to remove the negative reporting status. I have given ample time and opportunity for this collection to be removed from all reporting credit bears, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. This debt must be removed from my credit report immediately. If it is not removed within the next 10 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report. Specifically, I am requesting immediate removal from the following collections : - XXXX XXXXXXXX Due to the unauthorized access to my personal information, I believe that these collection is a direct result of XXXX XXXX  doing what they agreed, Also this does not accurately reflect my financial behavior. I have taken steps to secured my credit integrity and credit worthiness to the appropriate authorities Cfpb and all credit reporting agencies? Still the account has not been removed. I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work in XXXX for the XXXX, I'm a XXXX vet. Bank of America BoA has charged me late fees and has sent negative information to credit rating companies, 30 day delinquency on only late fees due to BoA issue in XX/XX/XXXX. I have requested correction and have been declined. The irony is the late fees that was past due was because BoA sent my XXXX payment to principle only. The 30 day pass due on my credit report is from late fees that I had waved. I have been working with BoA ( one of many ref # XXXX ) calling from XXXX a few times a month correcting numerous issues since XX/XX/XXXX ( new XXXX insurance, BoA was caught in a lie on the phone ). BoA has declined to correct, I used XXXX case # XXXX same BoA declined. BoA will not admit problem with computer system. Bottom line XX/XX/XXXX my mortgage went to only principal, my payment for XXXX posted for XXXX XX/XX/XXXX when my payment was received on the XXXX for XX/XX/XXXX it only went to principal. I pay every month on the XXXX for that past 15 years no issues. BoA won't tell me what happened written or verbal. They have told me every month when I call there is a problem. I had most late fee waved, I paid a few to correct and stop reporting pass due paymenst but every month the same thing. I have a stack of documents and notes I can send to help if needed.