23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Re Acct # : Capital One # XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practice Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the date, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et. seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX OF XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX  XXXX XXXX Balance : {$32000.00}
Product: Credit card or prepaid card

Case number : XXXX Sirs, XXXX XXXX has refused to properly transfer the account from me to my wife, even though the divorce ( now final ) specifically states that she is solely responsible for that account. 

What can your office do to have XXXX XXXX clear up this problem. Please do not tell me that I may need to take legal action, as being on social security, that is not an option. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy on my Experian report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the Banruptcy court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Re : Ongoing Dispute Regarding Account : THD/CBNA XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account referenced above. Equifax has been the sole credit reporting agency furnishing this false information, despite my repeated efforts to notify you that I do not own this account or the alleged debt. This ongoing inaccuracy is in clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

To date, I have provided substantial evidence demonstrating that this account does not belong to me. Additionally, in case number XXXX, XXXX XXXX in XXXX XXXX concluded that I am not liable for this debt. The case details are publicly accessible on the XXXX XXXX website : XXXX XXXX XXXX 
Violations of Federal Law 1. Failure to Promptly Investigate and Correct Errors : Under 15 U.S.C. 1666b, Equifax is required to investigate disputes and correct inaccuracies. Despite my providing court documentation and proof, Equifax continues to furnish false information about this account.

2. Failure to Safeguard and Ensure Accurate Reporting : Under 15 U.S.C. 6802, Equifax is obligated to protect consumer data and ensure accurate reporting. By furnishing and maintaining false information, Equifax has failed to meet its legal obligations.

CFPB Fine and Equifaxs Pattern of Misconduct In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$3.00} XXXX for its mishandling of credit reports, including issues involving false and inaccurate information on consumer files. This fine underscores Equifaxs history of violating federal laws governing fair and accurate credit reporting.

Additionally, Equifax has faced legal action for similar misconduct : XXXX v. Equifax ( XXXX ) : Equifax settled claims for failing to correct inaccuracies on credit reports, resulting in financial harm to consumers. 
In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX ( XXXX ) : While this case focused on a data breach, it further demonstrates Equifaxs pattern of negligence in safeguarding consumer information.

These examples, coupled with the current issue, highlight a systemic failure to comply with legal obligations and to act in good faith to protect consumers.

Requested Action I am requesting that Equifax : XXXX. Immediately remove the inaccurate account XXXX XXXX from my credit report. 
XXXX. Provide a written statement confirming the removal of the account and an updated credit file. 
XXXX. Confirm compliance with federal laws outlined in this letter. 
Failure to comply with this request may result in additional action, including complaints to the CFPB, FTC, and other regulatory agencies, also legal proceedings to recover damages caused by your negligence will be filed. 
I expect this matter to be resolved within 15 days, as required under the Fair Credit Reporting Act ( FCRA ). 

INQUIRES TO BE REMOVED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( TransUnion, XXXX, & XXXX ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Product: Debt collection

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 R.S. CLARK AND ASSOCIATES is trying to collect on a debt that does not belong me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account # XXXX, 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
Product: Debt collection

Around XX/XX/2019 I received a letter in the mail saying they were a debt collection company. They call themselves Cascade Capital LLC. The letter states that they have purchased the accounts from the Original Creditor. Total of 2 accounts. The letter gives no detail as to the amount I may owe or services that were provided. It only states to call their office at ( XXXX ) XXXX should I have any questions. 
XX/XX/2019 I called their office. I was a bit concerned because I was in the process of paying of a debt which they were not aware of. It was not discussed. I asked them how much I owed and I told them when I receive a notice from them after the 30 day wait period in compliance with Florida Statute 559.715. I would look it over and send a payment. One account was for {$48.00} and the second account was for {$25.00} They informed me they were not going to send me another notice.? I said then how can I pay you. They said over the phone is acceptable. I told them I need a statement first. After all, I need to keep records too. He became excited and tried to get money. He said I can also write a check and send it to their address listed below. I told him I can do that But, I need something on paper first. He said No! 
That's when I realized he was a scammer. Working through the mail service. He said they will not be sending another statement and I said " Great '' Then I guess were done. 
I hung up. They are listed as Cascade Capital Funding LLC XXXX XXXX  XXXX, XXXX XXXX XXXX, California XXXX // Also at XXXX XXXX / XXXX MI XXXX
Product: Debt collection

Transworld Systems has put a {$160.00} debt on my credit report that is not mine. It is in my daughter 's name, she was XXXX at the time, and it was in a state that I haven't lived in since XXXX. The debt is for a hospital visit in XXXX and is under my daughter 's name. They are saying that I am the responsible party, however there is no reason why I should be responsible for this debt as my daughter hasn't been on my insurance since she was XXXX. Additionally, I called the hospital that this debt came from and they don't have that I owe them anything.
Product: Credit card

I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I have discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX. I have sent notice to XXXX XXXX to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My right is to make sure that my private information isn't shared inaccurately 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 those.

financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Transunion, XXXXXXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to Transunion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The balance is reported inaccurate, furthermore any transactional information should not be reflected on my report.
Product: Mortgage

I XXXXwent into forbearance due to the pandemic but decided to end it early in XXXX. Contacted the the company amerihome mortgage and they said it was all cleared up and sent me a letter with deferment option agreed upon. Trying to pay the first payment after forbearance and company headquarters states that I am still in forbearance while loan servicer says otherwise. I am unable to make a payment and they have no clue as to what is going on with my loan and keep sending me in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX 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 fumish a account without my written instructions 15 U.S.C 1681 ( b ) states I have not given my written permission to this creditor to access my credit report.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXXXXXX XXXX I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXX XXXX In XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XXXX by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't have a contract with 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 XXXX they did not provide me with the original contract as I've requested. Per the privacy act of 1974 there has been a violation of my privacy. Per 15 usc 6508, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given written unwritten verbal and nonverbal per 15 usc 6802. The obligation to respect the disclosure of personal information per the FCRA.
Product: Vehicle loan or lease

My automobile lease maturity date is  XXXX / XXXX /  XXXX  . I paid  XXXX  's payment in full on  XXXX / XXXX /  XXXX  . No other monies should have been due from me and I scheduled to turn the vehicle in by  XXXX / XXXX /  XXXX  . However, Southeast Toyota Finance still sent me a billing statement dated  XXXX / XXXX /  XXXX   indicating I owed another full payment due  XXXX / XXXX /  XXXX  . When I called to inquire about the amount due, I was told I did not owe anything. I asked the lady why the statement was sent to me and she said that it happens on all leases close to the maturity date and that people often pay the amount and then have to go about requesting a refund.   I am submitting this complaint because I think it is a terrible practice to ask for payment from a consumer that is not due. Additionally, it sounds like a KNOWN practice and Southeast Toyota Finance should implement controls to ensure it does not continue.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Product: Mortgage

As early as XX/XX/XXXX I have attempted to set up auto payment both online and offer the phone with various Bank of America Managers and customer service agents. 

On XX/XX/XXXX, the one-time payment was applied to my account using my checking account ending in XXXX, and was advised that the following month I would be enrolled in auto-pay. 

I spoke with a mortgage manager ( XXXX ( manager ) the week of XX/XX/XXXX who advised that he would give me a follow-up call and the autopay would be initiated on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX ( Customer service mortgage ) who transferred me back to XXXX t follow up. XXXX advised that he can not I also spoke with XXXX ( XXXX ) who verified that the account number is valid and the auto pay should have been initiated for the month of XXXX. 

If I am charged with a late fee it will be wrongful. 
This is a systems and/or coding error in the BOA mortgage payment page. 

It has been 3 months now, I have spoken with numerous BOA representatives yet my mortgage loan still has not been connected to my checking account for autopay despite the previous month 's mortgage being withdrawn from my checking account and the account has adequate funds. 

This has been beyond frustrating, with poor resolution service, and a ridiculous waste of my time. 

As a resolution, I would like for BOA to credit me in the amount of one month 's mortgage payment ( {$2300.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going through a credit repair place that is making my payments for me and in XXXX and XXXX of this year the original creditor continental finance placed late payments on my report Ive called 3 times and disputed through credit bureaus nothing I keep getting the run around from them one person tells me I have no late payments and then another person tells me I do have them so I got the check numbers from my credit repair service XXXX  XXXX  XXXX for the 2 months XXXX check no:XXXX  they sent it out XX/XX/XXXX and it cleared on XX/XX/XXXX and XXXX check no:XXXX sent out on XX/XX/XXXX and cleared on XX/XX/XXXX and my payment date is the XXXX of every month for my account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report contains addresses and jobs I never had. 
I had fraud years ago and fear someone is using my identity in XXXX and Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act online information services account # XXXX, XXXX credit c account # XXXX 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