23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and US Department of Education XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Product: Checking or savings account

XXXX XXXX, a division of Webster Bank, N.A., instituted a policy to require XXXX USD dollars to be present in the saving account at all times. They have added a restriction which prevents transfers that would bring the balance below a XXXX USD. In effect, they have limited my and others access to these funds without due cause to myself or to any other account holder.
Product: Debt collection

Midland Credit Management has repeatedly harassed me over the items reporting in collections. They have gone as far as to contact current and previous employers, relatives, friends, even acquaintances. All for 2 collections one in the amount of {$870.00} and the other in the amount of {$150.00}. I get calls, emails, texts all day and night from their relentless and tasteless employees
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX XXXX XXXX XXXX Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My name and social security number was put on dark wed with credit card breach and bank breach XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

When XXXX hit in XXXX, I filed a forbearance request with Dovenmuehle, my loan servicer because of income loss. I have yet to receive any response even though I sent several letters and multiple emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
Product: Credit reporting

Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.
Product: Credit reporting or other personal consumer reports

Good Morning, I have a XXXX  XXXX XXXX account on my experian report, that was remove in XXXXIt has be placed back on my experian report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.
Product: Payday loan

I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information displaying on my credit report from Experian XXXX XXXX. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a number of fraudulent inquiries on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted Transunion and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Addresses 1. ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX 2. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. ) XXXX XXXX XXXX XXXX, XXXX  XXXX Accounts 1. ) XXXX XXXX XXXX Revolving Individual 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Individual 3. ) XXXX  XXXX  XXXX XXXX  XXXX Collection Individual 4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XXXX Revolving Individual By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 



Thank you, XXXX : XXXX/ [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

My home mortgage which was sold to PNC. I understand that legally they must notify me 15 days before they start to assume payments for my mortgage. My current mortgage company informed me of the sale and tried to give me the account number for my new company, but that part of the form letter was left blank. I have waited to receive information from PNC on their acquiring my loan and information on how to submit payments. I have received no notice from them and have not received any information on how to submit my next payment. Considering the fact that PNC requires that you either set-up EFT autodrafts, mail in a check, or charge you {$7.00} for each payment made online from a non-PNC account, I need the time to make sure my payment arrives on time and am not overcharged interest or an arbitrary fee for just making a regular payment. I think it should also be illegal for them to charge you a fee for simply making an on-line payment from a non-PNC account, but let 's start with them at least adhering to the laws that already exist.
Product: Credit reporting or other personal consumer reports

There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.
Product: Checking or savings account

On or about XX/XX/year>, I attempted to open a savings account with Pen Fed Credit Union, after depositing funds from my savings account for the account opening process, my account was then frozen. Pen Fed requested me to provide a copy of my State DL/ID, SSN, and recent utility bill in order to verify my identity. I provided all of the requested information through their secure portal as instructed on multiple occasions, and after following up I was advised that my information couldn't be verified which was quite disturbing to me to say the least. After demanding to speak to someone in the department/person stating my identity wasn't verifiable, as told that isn't possible as they dont take phone calls, emails, or mail from consumers, yet can essentially indirectly state that the State of XXXX  issued me a fake ID, and my SSN wasn't issued by the SSA, which is absurd. I even offered to submit a SSA-89 form for them to request information regarding my SSN from the SSA to which they declined. I feel that many consumer protection laws were violated during this process. Not only did they freeze my account, but they never returned my initial deposit back to the account they withdrew it from, basically robbing me. Their representative were condescending in tone, and treated me poorly due to their assumption regarding my identity, and refused to provide any information for reasons today I still am unaware. I feel I should have sued them but didn't not have the financial means to do so, or even know where to start for that matter, even thought they were in clear violation for numerous federal and state laws in place to protect consumers.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full.
When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Lending Point adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Lending Point, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED TRYING TO APPLY FOR A XXXX XXXX CARD I WAS GRANTED THE EVERYDAY XXXX XXXX XXXX CARD IN THE YEAR 2012 I WAS NOT LUCKY NOR ABILE TO HAVE TIME TO ACTIVATE THE CARD OR PAY AT LEAST THE LOWEST FEE ASTHE COST FOR THE MONTH TO KEEP THE CARD WAS ONLY 100DOLLAR PER MONTH/IT SEEMS THAT THE XXXX XXXX XXXX PEOPILE CLOSED AS WAS SAID A MAN AND A LADY WAS RULING THE HOLE DEAL AS TO NOT LET ME ATTAIN ANOTHER CARD /I WAS ALSO ABILE TO OPEN XXXX STATES OF MIX/MIXES BUILDINGS WITH OTHER FAMILY MEMBERS AS WITH SERIOUSER LISCENSE TO KEEP THE BLDGS AND OFFICES /IT SEEMS THAT I TOLD THEM THAT THE BLDGS AND OFFICES ARE INTACT AND NEEDS TO BE REGISTERED THEM SEEM TO IGNORE THE STATEMENTS ABOUT THE XXXX XXXX FOR YEARS AND THE XXXXLINES OFWRONGERITEMS AS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding several credit inquiries on my report that I do not recognize and previously requested to be removed. Despite my efforts, the credit bureaus have not taken action to address these inquiries. Along with this letter, I am attaching an identity theft report to support my claim. I firmly request the removal of these inaccurate inquiries from my credit report as they are a result of identity theft and do not reflect my financial activities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX