23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 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, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX
Product: Debt collection

I was previously using XXXX XXXX XXXX to help clean and correct my credit. They were sending letters on my behalf that I was unable to view prior. As of XXXX I have been the sole communicator in regards to the collection agency. I have repeatedly ask that send me documents doing a complete verification of the said debt. I have specifically asked for the orginal contract signed ( as the debt has been sold to another collection agency. Both are reporting the same debt ) I am also asking for clarification on how they came to the specific amount owed. Neither company has sent me the requested documentation. Instead the current collection agency just keeps sending me the same document saying that they are not going to respond even though they have yet to send me the documents in question that I have asked for several times. 
The orginal company that the debt started with is not even bothered to respond to any letters sent.
Product: Debt collection

I noticed an account with the name Capio Partners under my collection accounts. It mentions that I have {$720.00} to pay off. The report was placed on XX/XX/XXXX. My credit score dropped drastically by 89 points after this change. The account is associated with XXXX XXXX XXXX. I called the company. They mentioned that it's associated with XXXX XXXX XXXX and they were not being specific, eventually asking me if I wanted to pay it off now or set up payments. After that day I kept receiving repetitive calls. They mentioned payments that go back to XX/XX/XXXX. I don't recognize this account or name at all. I am sure I have nothing due. All my physicals, medication, and visits have been covered by XXXX. I have attached proof of my XXXX XXXX. I was never aware of this. I never received bills that were due. My hospital verified that my account had nothing due. I'm at the age of XXXX and I have been paying all my bills on time, car insurance, and my XXXX XXXX Credit card. I have not missed any payments. I have been paying my monthly bills in full statements. My score was at XXXX and it dropped to XXXX. With further proof, it states in the XXXX website " This business currently has nearly 696 complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 387 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

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 name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, has violated my rights. 

I looked at my trans union credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

On XX/XX/2022 my ID, debit card, phone and 2- credit cards were stolen by force from three individuals. I reported this to the police and bank in less then 24 hrs. The thieves hacked into my Wells Fargo bank account and used XXXX to make a {$1500.00} transfer and a {$2000.00} transfer to themselves totaling {$3500.00}. My bank has declined my claim of illegally activity claiming the transactions were authorized.
Product: Credit card or prepaid card

Home Depot Credit Card, Illegal Action on Account Closed On XX/XX/XXXX, I received a letter ( Not dated ) from XXXX XXXX XXXX, XXXX XXXX, SD XXXX THD/CBNA/ XXXX XXXX stating that the Home Depot Credit Card Account terms would be changed on XX/XX/XXXX. 

I do purchase from XXXX XXXX for house maintenance and repairs. I was induced to get this credit card by a XXXX XXXX personnel based on some discount on purchases. I only used that card on some purchases and stop because it was easy to charge to another card. 

When I received their letter, I did not agree with the changes of terms. On XX/XX/XXXX, I called the number XXXX and closed the account. My wife is witness that because we cancelled both our credit cards. Today, XX/XX/XXXX I am receiving a notice from XXXX  that THD/CBNA still open and that they had lower my credit limit impacting in my credit score report. 

That seems like an illegal financial retaliation from THD/CBNA and fraud because I officially closed this account. A financial institution can not act on closed accounts to lower credit limit or scores.
Product: Debt collection

This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction on my credit report.
Product: Credit card or prepaid card

I applied the Citibank AAdvantage XXXX Credit Card on XX/XX/XXXX, and got approved immediately. then i was issued a " vertual card number and information '' so that i can start use it immediately. 

I used this card for several online purchase. 

Then i received an Email informing me that there are payments due on XXXX XXXX however, i have not receive the physical card yet. so i can not register my online account to make the payment. 

So, I called the customer service, trying to make the payment. The customer service representative told me that they would need to verify me before making any action. The only way of verifying me is by sending me another letter. i have to receive the letter then call them again. but now more than 1 week have passed, and my credit card is almost due, but i still have not receive any letter for verification yet. 

I just want to make the payment to my credit card so that it will not affect my credit history.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : XXXX XXXX XXXX XXXX Account Number : # XXXX Account Number # XXXX Provide Physical Proof of Verification
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM : Dispute Regarding Disclosure of Nonpublic Personal Information Affirm To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802. 

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices. 


2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information. 



I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ]. 

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices. 


3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information. 



If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights. 

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Mortgage

I consistently made payments on time. Beginning in XXXX 2015 my payments started not to be posted to my account. In XX/XX/XXXX I started getting calls from myloancare saying my XXXX payment was not made. The phone calls were automated, without opportunity to discuss. I sent an E-Mail to customersupport@myloancare.com with evidence of the payments. I received a ticket number and automated response, but to date have not had acknowledgement of the payments made in XXXX and XXXX. There are now five payments sent with confirmation from my bank, but myloancare does not respond to my inquiries, and continues to make automated calls to me. I called on XXXX of occasions, and only once was I able to get through to a customer support representative. I provided the ticket number sent to me, and all related detail with no results. The customer support representative refused to allow me to speak with anyone that could actually help resolve the issue, and essentially said that the phone calls would continue until the issue was resolved. I asked to work with someone that could resolve, but was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was accessed on XX/XX/2020 as indicated by a hard credit inquiry by XXXX XXXX XXXX. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to TOYOTA MOTOR CREDIT and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Product: Checking or savings account

My husband and I have a XXXX XXXX that is our only source of income for our family. We have XXXX Bank of America business credit cards with Bank of America. Until recently we have always been able to make our payments on time. On XX/XX/XXXX BOA withdrew {$2700.00} out of our checking account to pay CC # 1. This setoff payment included the minimum amount due for XX/XX/XXXX. On XX/XX/XXXX BOA withdrew {$4000.00} for CC # 2 and left us with less than enough to cover our rent, payroll, or any living expenses. We have tried working with the bank and they will not return the money. Our deposit agreement with the bank says that setoff payments will not be used to pay credit card payments. I certainly don't want to default on any balances due, but not sure how I can recover when I am not able to pay my mortgage, utilities, payroll, minimum payments for other balances or provide food for my XXXX children when over XXXX XXXX  was withdrawn unexpectedly. I understand BoA would like their past due money. But without the money in our account we are not able to get products needed to finish orders that would put more money in our account that would produce the ability to make our payments. Any assistance would be greatly appreciated. We were not given any notice of these deductions.