23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a XXXX  XXXX  to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : FRAUDULANT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} FRAUDULENT INQUIRES : XXXX XXXX/XXXX/25, XXXX XXXX XXXX XXXX/25XXXX/25, XX/XX/XXXX25, XX/XX/XXXX25, XX/XX/XXXX25, XXXX/XXXX/25 XXXX  XXXX  XXXX/XXXX/25
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a final payment with XXXX XXXX XXXXXXXX 2020. They are still reporting as a delinquent/derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted a Dispute with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed from my credit report.
Product: Vehicle loan or lease

Chrysler capital is still reporting charge offs on my account and has for years now when car was total loss XX/XX/year> and XXXX sent them a payment for {$25000.00} on XX/XX/year>, and I. Addition Chrysler capital said I owed {$2800.00} on the remaining because they said gap didnt cover remaing which I dont understand because that is why I purchased gap coverage, but I in good faith to close the auto loan sent them a payment in money order of {$2800.00} to their payment center, months went by and Chrysler capital still didnt close the account but continued to report late, and after started reporting account as a charge off and didnt upload payment I have proof of both of these payments attached for both redacted for privacy
Product: Credit reporting or other personal consumer reports

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX week, Experian responds online to my request for my free annual credit report by indicating it can not provide the report and I must send a form containing my SSN and other personally identifiable information via US mail to receive it. This is not the first time this has happened and there is never any reason/justification given for this repeated problem. Experian seems to think sending my SSN via mail is not a problem, even though this opens the door to identity theft. If Experian can not fulfill its responsibility to consumers under Federal law, it might be a good time for it to cease its existence. There is no need for 3 credit reporting bureaus in the United States.
Product: Money transfer, virtual currency, or money service

I tried to send money to my friend on chime using her phone number and the amount was XXXX $ but she didn't recieve the money someone is using her number but a different cash tag so the money didnt go to her. I explaiined this to chime multiple times that the money sent to the wrong person and they still won't fix the issue shee even called them her self and explained that she didn't get the money and how I looked her up with her phone number. When I first requested the money back she got the request to her phone but the newest few times after she wasn't recieving a request for the money back I have screen shots and phone records showing that we called chime and each other as well to resolve the issue even with her on three way and the won't send the money back. She is down in Florida with her family I know XXXX $ isn't much but right now it was a lot for her to feed her family and I can't even do that anymore. The money was. Supposed to be sent to XXXX XXXX XXXX person who got it XXXX XXXX
Product: Debt collection

Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.
Product: Debt collection

I was unaware of my account was check n go was sold two different times. It was paid in full {$3900.00} to XXXX XXXX and XXXX. The original Balance was XXXX with Check n Go. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 or other personal consumer reports

1. On XX/XX/XXXX I sent XXXX XXXXXXXX a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

2.By XXXX XXXXXXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016. 

4. XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXXXXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.
Product: Mortgage

In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years.
Product: Credit reporting or other personal consumer reports

for almost 2 years and in no less than 6 different instances i disputed inaccurate information to TransUnion complete with attachments of docs as evidence to support my dispute. on EVERY dispute TransUnion verifies the derogatory collection account as valid.

I've lived in California for several years including all time i disputed this info with TransUnion and I'm still a resident of California today..

the collection I've been disputing with Transunion is XXXX XXXX XXXX XXXX. they are a debt collector that bought this alleged debt Violation of the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) XXXX  IS NOT LICENSED TO COLLECT DEBT IN THE STATED OF CALIFORNIA XXXX  violated the RFDCPA by engaging in collection activities in California without a valid license As evidenced by an email sent by XXXX dated XXXX and again on XXXX proving 2 years of continued illegal collection activities in California ( See XXXX and XXXX  email XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION refuse to investigage my dispute
Product: Credit card

I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this.
Product: Checking or savings account

I deposited {$570.00} in an ATM inside a branch of TD Bank. The machine gave an error and returned the card. The money is not available on my account and has not been returned to me either. I am being told it might take a long time to resolve the situation ( if resolved at all ), which places a huge burden on me as I have liabilities that I need to pay off now. It took place in XXXX XXXX XXXX, XXXX XXXX.
Product: Mortgage

My late mother died in XXXX of XXXX the original loan was with XXXX XXXX XXXX at the time. The estate was finalized and placed in my brothers and myself name and the deeds at that time we changed in XX/XX/XXXX. Since then payments have been made, and there have been no issues very recently a modification option did present itself, and shortly after making the first modification payment, I received notice that the modification offer had been rescinded due to deed or title change. When reaching out to the company, they told me that I was not an authorized person on the account and they had no documentation pertaining to my mothers passing or successor and interest, and that that information had not been transferred over from XXXX XXXX XXXXXXXX to the new mortgage company Shell point ( Newrez ). Upon notice, I provided all documentation and all information needed to have my siblings and myself added as authorized persons on the account and to continue to make payments. This was done XX/XX/XXXX of XXXX as of todays date. Nothing has been fixed. I have called repeatedly and spoken to three different supervisors. I have emails to verify information has been sent. I have spoken to numerous representatives and still nothing has been. They are not accepting any payments from me. They are not providing me with any information on the account And I feel like they are trying to force us to sell the property. Today I received documentation that they are suing us for the full amount of the balance of the mortgage, but there is no communication being had with me pertaining to this account whilst another account thats with them is current and being paid from my personal account, which is also in my late mothers name. I am seeing assistance to review our options because we would like to keep the property and maintaining payment on the account and work out a payment plan for the past due amount that they would not allow me to pay.
Product: Checking or savings account

Chime Bank has denied my and several hundred other customers their disputes. All while having proof of the fraud Chime just denies disputes and steals the money. They lie all the time. Their customer service just reads from pre scripted pages. No help what so ever
Product: Payday loan, title loan, personal loan, or advance loan

My estranged husband applied for a Kubota Credit loan to purchase machinery. He used my name and credit to obtain the loan with myself as a co-signer. I have never been in the XXXX, Tn Kubota store nor did I agree to co-sign. I never signed for a loan with Kubota. I found this loan when I checked my credit report and I immediately called Kubota Credit Corporation. They sent me the contract which was electronically signed. I filed a report with the XXXX, TN police department. They admitted they only spoke to " me '' over the phone and that " I '' was not in store that day. Kubota is dragging their feet in trying to resolve this issue. I have made a fraud complaint with Kubota Credit and I am still getting the run around.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Comenity Capital Bank/ IKEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 


On XX/XX/2024, I notified Comenity Capital Bank/ IKEA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Comenity Capital Bank/ IKEA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Comenity Capital Bank/ IKEA complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Comenity Capital Bank/ IKEA . 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 


I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Product: Credit card

Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.