23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by XXXX XXXX XXXX XXXX On XXXX XXXX, I received correspondence from XXXX XXXX XXXX XXXX regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to XXXX XXXX XXXX XXXX on XXXX XXXX, 2024, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In my letter, I requested the following : XXXX. Detailed account information : The original creditors name, address, and account number associated with the debt. XXXX. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature. XXXX. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. XXXX. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership. XXXX. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account. Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me. FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated. Failure to comply with these statutes constitutes a violation of my consumer rights. I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated. The company ceases any further collection attempts unless they comply with federal law. Any necessary corrective action is taken to prevent such occurrences in the future. I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.
Product: Credit card

On XX/XX/year>, I received an email from Chase with a fraud alert for a declined transaction at XXXXXXXX XXXX  They did not allow that charge to go through. I immediately called them and told them that there were several unauthorized transactions. All made on XX/XX/year>. XXXX XXXX XXXX XXXX {$48.00} ; XXXXXXXX XXXX {$240.00} ; XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX XXXX {$17.00} ; XXXXXXXX XXXX Discount {$20.00} ; XXXX XXXX XXXX XXXX {$18.00} ; XXXX XXXX {$68.00}. I also have all the times they were charged if needed. I told the person that my daughter was in XXXX XXXX for XXXX XXXX but still had the card with her and some how we think they hacked her XXXX XXXX or skimmed it because her debit card also had unauthorized charges. Her bank refunded the debit card charges. 
They initially removed all the charges, but put them back on because they said the card was tapped at the stores. We honestly have no idea how they would have done that except for hacking her XXXX XXXX. Since we were honest and said she was still in possession of the card, Chase 's argument is that the card was tapped in the store so we are responsible for the total of {$430.00} in charges. We can not explain how that happened but they basically told me if I had said it was lost then the outcome would have been different. They closed the case and we had to pay the charges.
Product: Credit card or prepaid card

On XX/XX/12 I went into my Synchrony Home  account and found that ALL ( 6 ) of my Synchrony accounts were CLOSED. I have had several of these accounts for over 10 years and have never missed a payment on any of the accounts. Typically pay more than the minimum and often pay off promo purchases early. I have over a 700 credit score and have not ever missed a payment on anything on my report. When we contacted Synchony they said a random review of the credit bureau led them to think there may be an inability to pay .... based on what?? I read a ton of reviews and hear that they did the same to many others, they just increased the credit limit on 3 of the accounts and they closed them less than 2 months later ... makes no sense! The worst part is that now my flawless credit report will be damaged because of them!
Product: Credit reporting or other personal consumer reports

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with TransUnion. On XX/XX/scrub> 2024, I submitted a dispute to TransUnion, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>2024, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation.

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.

15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done.

Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization.

This lack of action on TransUnions part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly.

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft.

A written explanation as to why my request was denied despite my submission of all required documentation.

Compensation for the damages incurred as a result of TransUnions negligent and willful noncompliance with the FCRA.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) are in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to XXXX on XX/XX/XXXX 1/ Another request for Error Resolution Notice Unger 12 C.F.R.1024.35 email and fax XXXX and Trustee XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) But both of them continue to ignore my request. Today, XX/XX/XXXX I received this note from XXXX with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request XXXX many time. XXXX clearly does n't care about customer service or customer satisfaction. Nobody trust this company. 
Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. Attachments : 1/ Request for Reinstatement__XX/XX/XXXX 2/ Error Resolution Notice Plus__XX/XX/XXXX 2/Useless letter from XXXX__XX/XX/XXXX
Product: Credit reporting

I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to last report I was out I state and didnt use my credit card. And I dispute my card and in credit report and its delete but it didnt dispute in company yet. I want to dispute this account immediately and its fraud. I cant get any credit card because this report decries my account and score
Product: Credit card

on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the XXXX XXXX XXXX by WELLS FARGO. WELLS FARGO is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). WELLS FARGO is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- -- My credit card was used and in exchange I did not receive any benefit from the consumer credit transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently ran my credit report through  XXXX  and found multiple accounts being opened since    2015. Th e details to each account is highlighted on the attached file.     Please advise,  XXXX   XXXX
Product: Credit card or prepaid card

We have been a victim of Bait And Switch! We relied on the information shared and promised to us when considering this Sam 's Club Member Master Card. We were provided WRONG and MISLEADING information from the bank rep and representatives that were there on site for their " holiday contest '' for credit card submissions. 

We have tried to contact the store and the person ( XXXX ) who coaxed us into this but no one has returned our calls. 

We feel like we were completely misled and flat out " duped ''. 

We were promised an immediate {$100.00} bill credit upon approval of the card. In fact, there stated it would be placed on the account before the first statement once the card was approved. In fact, they were encouraging us and other customers to go spend more since the credit was automatic. 

This was clearly WRONG information as our first statement came and the credit was not there. We trusted and relied on the information that was shared with us. 

We have tried to work with Sam 's Club as well as Synchrony. Sam 's Club has yet to return a call and Synchrony just confirmed the information was not correct and apologized. They did not take any consideration for the " bait and switch '' techniques that were being utilized to get applicants. 

At this point in time, we are asking for assistance to address this inappropriate measure to lure applicants, their failure to provide any documentation and/or disclosures in writing as well as the promise of what we were told. 

We are asking for the {$10000.00} immediate statement credit as promised. Again, we were told to spend " more than {$100.00} that day and we would see an immediate statement credit of {$100.00}. 

Also, seeking assistance to further investigate these inappropriate practices as I am sure other customers have experienced the same thing. 

Contests and incentives should not be used to build credit card accounts especially when misleading and inaccurate information is being given to the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )
Product: Student loan

I made a large payment of {$49000.00} in XX/XX/XXXXwhich Discover applied incorrectly to my account. Suddenly in XXXX I started getting bills saying {$0.00} due next payment due in XX/XX/XXXX. Then this year I get bill saying that my payment of {$320.00} is due. I contacted Discover and asked for a full review of my account and why I now m owe {$320.00} a month. Discover sent me an amortization of w.hat I owe them. I called again and they said they would look into it and call me back, no call. I finally got a supervisor who told me that my account had a problem due to a system upgrade that triggered the new payment. I was also told a team was working on my account and would get me definite answers. 
I received a letter this week saying info was posted online for me to see, nothing there but an incorrect bill. Additionally, both my son and I are receiving phone calls and threats to turn us over to Credit Bureau as delinquent. This saga has now been going on for five months, and I still cant get the info on how my payment was applied, how much I have left to pay ( number has changed at least three times ).
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX/ Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX, Experian, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( XXXX, Experian, XXXX ) making the report. IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote TransUnion about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance 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. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting or other personal consumer reports

Equifax Consumer Information Services have deliberately stopped updating my credit profile and denied me access to it since XX/XX/year>. I have made several attempts with the agency to correct all outdated and erroneous information they were reporting on it to no avail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

This company has reported 150 days late when they were billing errors and hasnt not corrected it on my credit reports
Product: Debt collection

Enhanced Recovery Corporation has filed information on my credit report for a debt that I do not owe.
Product: Payday loan, title loan, or personal loan

Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX in regards to late payments reporting on my credit report. Ive attempted to inform them of the financial hardship I was facing at the time of the late payment. Sending them multiple goodwill letters requesting the late payments be removed and they arent willing to change it. Ive been A loyal customer for over 4 years with 2 active credit cards in good standing. I havent made a late payment in years since Ive overcame my financial hardship.