23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 
{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by LVNV Funding. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

I sent Midland Funding a certified letter on XX/XX/XXXX stating this debt is disputed, and I requested validation bearing my signature that I am contractually obligated to pay them. I stated to them, if they could not provide me this information within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX. As of today XX/XX/XXXX they have not complied.
Product: Mortgage

America 's servicing Company denied a postponement in foreclosure date due to lack of proof of funds. I have requested in writing to the Correspondence Resolution Team ( CRT ) the postponement, stating that I will not be able to have the proof of funds or the funds to repay until a week after the scheduled foreclosure date of XXXX/XXXX/2016. They denied the request, forcing a foreclosure. I am requesting CFPB to mediate an alternate route to postpone the foreclosure date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED EXPERIAN, XXXX AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a XXXX XXXX and XXXX XXXX. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this XXXX XXXX from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX XXXX XXXX, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX and XXXX 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 those customers nonpublic personal information. '' XXXX XXXX XXXX is a 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX 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 Equifax, XXXX, XXXX, XXXX 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. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I was looking to purchase a house until I was notified about all the damaging things on my credit report 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
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally express my dissatisfaction with the recent handling of my Wells Fargo credit line account.. I have been a customer with Wells Fargo since XX/XX/XXXX when I purchased a sofa and applied for a credit line with a supposed interest-free period during the first 12 months. 

To my surprise, in XX/XX/XXXX, I received a statement indicating a charge of {$750.00} in interest, which I was informed is imputed interest for the first 12 months. This is in direct contradiction to the terms I was initially presented with, promising an interest-free period during the first year. 

I have diligently paid {$110.00} each month in accordance with the agreed-upon installment plan, and I am deeply concerned about the sudden imposition of such a substantial interest charge. I immediately contacted Wells Fargo customer service to seek clarification and requested a waiver of the imposed interest. Unfortunately, my request was rejected, leaving me frustrated and dissatisfied. 

I kindly request a thorough review of my case and a reconsideration of the imposed interest charges. I believe there has been a misunderstanding or miscommunication regarding the terms of the credit agreement, and I am seeking a fair and equitable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Credit card or prepaid card

For the last 2 days, I have been trying to pay my insurance bill with USAA.com. I went thru several representative ( XXXX ; XXXX ; XXXX XXXX, XXXX & XXXX insurance department ; XXXX, XXXX & XXXX ) before speaking with a supervisor named who refuse to give last name. According to XXXX, supervisor, the reason for me not able to sign into my account which is locked was because I applied for credit card back in XX/XX/2018 and I need to send them copies of my driver 's license. I have been paying my insurance thru bill pay since XX/XX/2018 and now they restrict my access. On XX/XX/2018, the dealer faxed a copy of my driver 's license to the insurance department so I could get the insurance. I requested to speak to her supervisor and she said that there was no one higher than her to speak with. She informed me that I will be denied security access until I fax : XXXX or email : XXXX. I get it if they don't want to give me a credit card that's good and well but to deny me access to pay my car insurance online is ridiculous and stupid. I receive notification for my insurance bill from USAA in the mail. I was on the phone on Friday for over 45 minutes on hold and no one returned. 
Again on Saturday since XXXX. Received 8 security verification email to verify identity so I could get on. I was able to log on. The next step was the security question and I was told to call USAA. According to XXXX, the security department was closed due to the holiday. However, a male named XXXX claimed he was from the security department. No one should be treated or harass in such way.
Product: Credit card

This complaint addresses Barclays Banks systemic failure to investigate and resolve disputes tied to fraudulent charges on my AAdvantage Aviator Red World Elite Mastercard account. Despite multiple attempts to provide documentation, Barclays has failed to meet its obligations under federal law to validate these charges, resulting in financial harm and unresolved disputes. 

The following charges are in dispute : XXXX. XXXX Transactions : Multiple transactions. 
XXXX XXXX XXXX XXXX XXXX Transactions totaling {$4500.00} across multiple cases ( XXXX, XXXX, XXXX ). 
XXXX XXXX XXXX XXXX Transactions totaling {$4000.00}. 

Violations by Barclays Bank : Barclays actions constitute the following violations : 1. Failure to Conduct a Reasonable Investigation Barclays closed multiple dispute cases prematurely, citing lack of information, despite my efforts to submit documentation. 
Legal Basis : FCRA, 15 U.S.C. 1681i : Requires a reasonable reinvestigation of disputed information.

CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibits unfair, deceptive, or abusive acts in consumer finance. 
Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) demonstrate CRA and creditor accountability in investigations.

2. Reinstatement of Fraudulent Charges Despite evidence of fraud, Barclays reinstated charges without providing sufficient justification, placing the burden of proof on the consumer.

Legal Basis : FCRA, 15 U.S.C. 1681s-2 ( b ) : Prohibits inaccurate or incomplete reporting. 
Regulation Z ( Truth in Lending Act, 12 C.F.R. 1026.13 ) : Mandates proper chargeback investigations. 

XXXX. Breach of Duty to Refund Fraudulent Transactions Barclays failed to issue refunds for fraudulent transactions, including charges related XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Legal Basis : EFTA, 15 U.S.C. 1693f : Protects consumers from unauthorized transactions. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Established standards for proper resolution of disputed charges. 

4. Negligence in Handling Sensitive Data Barclays has not addressed concerns regarding data breaches tied to XXXX XXXX XXXX  and other merchants. This negligence directly enabled fraudulent activity.

Legal Basis : 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Requires secure handling of consumer data.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 : Protects consumers from data misuse.
Product: Checking or savings account

On XX/XX/XXXX, I was reconciling my Capital One checking account statement for XXXX transactions, and I noticed a transaction that didn't match my check register. I looked at the check image online and saw that the check # XXXX had been altered from {$3500.00} to {$9200.00}. I contacted Capital One and opened a case # XXXX and also contacted the police and opened a case with them as well. After two weeks, the funds were returned to my account. I requested Capital One to also reimburse me for the late fee of {$57.00} that I was accessed since the original check was never received by the intended recipient. I received an email on XX/XX/XXXX stating the following... 

'We understand you are requesting to be reimbursed for a late fee you received from a third party after a check you wrote from your account was intercepted and altered. The missing funds from the altered check were credit back to your account on XX/XX/XXXX, and the investigation was completed. Since the third party fees were not charged due to a bank error, we will not be able to reimburse you. We understand this is not the answer you were looking for, but we suggest trying to resolve the issue with the third party. 

If you need any additional assistance, please contact us at XXXX. Associates are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX On behalf of Capital One XXXXXXXX XXXX XXXXXXXX ' I've tried to contact XXXX numerous times to understand Capital One 's logic to state that the third party fees were charged due to a bank error. I've left numerous voicemails and have never received a call back. 

I'm requesting Capital One to reimburse the late fee of {$57.00}.
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize. These accounts appear to have been opened without my authorization, indicating potential identity theft. I previously reported this issue and now request the immediate removal of these unauthorized accounts from my report. 

These accounts are causing me significant distress as they misrepresent my credit history and financial management. Resolving this matter has been a lengthy and challenging process. If the issue is not addressed promptly, I am prepared to take legal action to protect my rights and ensure a resolution. 

The presence of these erroneous items is severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that this matter can be resolved quickly to restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. Please let me know if additional documentation is needed.
Product: Debt collection

Dear JEFFERSON CAPITAL SYSTEMS ; XXXX XXXX ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company.

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to XXXX, Equifax and XXXX repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus show no respect for the laws.

They need to be held accountable.

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.