23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any incorrect entries from my credit report. Can you please confirm the documents? Some of the listed accounts are inaccurately reported.
Product: Credit card

US BANK XXXX XXXX XXXXI am making a complaint in regards to my card Central Bill Account - XXXXBusiness Credit Card - XXXX. 

I paid {$60.00} for annual fee on XXXX/XXXX/2015. Per card member agreement, I have not received my anniversary XXXX points to my GOLD account : XXXX am pretty upset about the elimination of benefits and the poor marketing US Bank has done in regards to this card. In addition I do not get my annual bonus points. 

Please update my account and deposit the XXXX. 

Thanks. 

XXXX XXXX
Product: Consumer Loan

I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX on XXXX XXXX, XXXX and they obtained financing for me from Credit Acceptance Corporation. I made my first payment in XXXX of XXXX after receiving my coupon booklet from Credit Acceptance Corporation ( CAC ). CAC had also contacted me prior to this via telephone to confirm my information, address, payment amount, etc. Then, at the end of XXXX XXXX, I received a letter from CAC stating that they were cancelling my loan at the request of XXXX XXXX XXXX. They gave no reason why and did not offer any alternative or other information. On XXXX XXXX, XXXX, XXXX XXXX XXXX went to my mother 's housing and took the vehicle without informing me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I received a letter from a debit collection agency a week or so back. This was an attempt to collect on a doctor 's visit that would have occurred tomorrow will be a year ago. This letter had a date set to respond by XX/XX/XXXX. I paid XXXX dollars on the date of the visit, which would have been my co-payment. XX/XX/XXXX, I was at XXXX XXXX XXXX 's office at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. I received good care from staff. I have no complaints. However, I no longer work or have a job do to these kind of senerios. As of XX/XX/XXXX, I am no longer covered by XXXX XXXX, XXXX in XXXX, MT.
Product: Mortgage

I was contacted by the bank that first serviced my mortgage loan saying my application employer information was inaccurate. I advise the mortgage servicer XXXX XXXX loan officer for XXXX XXXX XXXX of the new employment in XXXX when I got my first job offer letter. and then again right before closing. She advised that she wasn't going to use new employment info because it would restructure the loan and we were so close to closing. when I filled out the application I was still working for past employer. My employment was all accurate per application question. Now XXXX XXXX XXXX XXXX is sending me notices that I have to provide them with all the information XXXX XXXX should have gather before the closing of loan. I have received my second notice to pay debt due in 30 days. I have paid my mortgage on time and continue to do so. I have not done anything wrong. I was misrepresented by my loan XXXX XXXX XXXX XXXX : XXXX. She advised my wife and I on everything, that is why we went to her because we have no knowledge of how to apply for a mortgage loan or what is required. My wife has been advised multiple times by XXXX XXXX from XXXX XXXX XXXX XXXX. That the only options we have is to refinance or pay in full. Then she tells XXXX XXXX to speak to XXXX XXXX from XXXX XXXX and see if he can fix this problem, I don't understand what we did wrong. Why did they not verify employment multiple times when they could have before closing and after closing. They waited this long to realize that XXXX XXXX provided them with wrong information on their client. The realtor XXXX XXXX XXXX # XXXX who sold us the home knew of the new job changes and XXXX XXXX XXXX # XXXX which was th either realtor involved with this sell. We told realtor and XXXX multiple times we can wait if this is not going to work out properly and XXXX advised that no I will handle it if it leads to providing the new job. XXXX XXXX said that XXXX XXXX XXXX XXXX doesn't want to buy back the loan that they sold to Lakeview Loan XXXX, which is who we been making payments to. That if they have to buy back then we have to find a remedy to sell home or refinance. We feel completely misrepresented by everyone. We are not the loan mortgage professionals we did everything on our part and what they asked us for before closing ( XXXX XXXX and XXXX XXXX XXXX ) this is how we were advised. Lakeview Loan care early this year offered a program that we could miss a few payments for this covid forebeareance and at the time we were not financially hurting, they said we didn't have to all we had to do is not make payments to the loan. and they would let us know when we could start making payments again. Because of this we can't refinance the home. I think these companies need to be looked at and no one should be represented with false information that could hurt them in the future when buying a home. I am a hard working utility electrician worker with a family. XXXX XXXX XXXX XXXX lied to XXXX and didn't provide the correct information. She even said it herself I am not going to give this to at the time XXXX who was processing things for XXXX on our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 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 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: Debt collection

On XX/XX/XXXX I received a debt collection letter from Convergent in regards to a disputed debt from XXXX XXXX. 
The actual amount owed according to my three credit reports is {$360.00} and I was still in dispute with XXXX as they didn't want to accept payments at the time due to my sudden unemployment. 
The amount that Convergent is demanding is {$420.00} a total different amount then what is owed.
Product: Checking or savings account

I wrote a check the XXXX XXXX XXXX XXXX for {$970.00} for account number XXXX ( citizens Bank ) XXXX and dropped it off to a mailbox near my house on XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I saw on XX/XX/year> that the same check was altered to be made to somebody I do not know. the amount was changed to {$10000.00} and the account number was changed by a couple digits. XXXX XXXX XXXX  said they never received the check. I filed a police report and filed a fraud claim with Citizens bank on XXXX. They told me that I would get my money in by XX/XX/year> and later they told me it would take XXXX weeks. It has been more than XXXX weeks, I do not have my money and the only action they took was to contact the bank that cashed the check and ask them to pay me back. The local Citizens bank brach staff told me that they were aware that someone held the post office staff at gunpoint, stole the mailbox key and now this was happening with other people too. So they are aware that this is fraud.
Product: Vehicle loan or lease

I sent a Notice of recession to My Certified used cars dealership In XXXX, Michigan & Also the financing company Safco in XXXX XXXX, Florida via USPS certified mail on XX/XX/XXXX in the letter I asked them to respond in 20 days, I have not received a response. The notice of rescission included a {$26000.00} down payment I made last year on the date of XX/XX/XXXX thinking I had to make a down payment on the vehicle to be able to drive out of the car lot.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card or prepaid card

I had a CD with Self, Inc. After a few payments they let me open a secure card. At the CD maturation my credit card was paid off with the amount of the CD, and I asked the company to close it and they did, but not before adding a late payment fee. Since its been closed I cant pay the fee that shouldnt have existed in the first place because before the CD payout went through the clearing house, a late payment fee to the card was added. Since its been closed I cant pay the amount of the late fee. The amount is now compounding and acting like the account is still active. The company refused its responsibility over the phone and there is no email to begin a paper trail. I shouldnt have been charged a late fee and believe the company is committing fraud.
Product: Checking or savings account

I first received at text saying Suncoast CU Alerts : New device ( XXXX ) has been logged in via Online banking. Reply ( N ) if not recognized, ( Y ) if recognized. Text -STOP* to opt-out. Msg & Data rates may apply. 

Then I received a call and threats saying he knows where I live and hes coming to my house I have called the police but theres nothing they can do but told me to let you guys know. He has also sent me a picture of his account balance with XXXX XXXX XXXXXXXX saying this is all the money he has made scamming people and that its his job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXXXXXX 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 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX offered a promotion where they would give a {$25.00} credit to your first purchase if you sign up for their credit card. I purchased a XXXX XXXX  XXXX XXXX for {$190.00}? Then I set up a recurring payment in my bill pay. So I paid {$170.00} with the recurring payments until the payment purchase was complete. Shortly after I paid off the loan, I started receiving bills from ( XXXX? ) at the time. I explained to them that I satisfied the terms of the purchase, however they proceeded to harass me with requests for payment. They sold the phony debt to Midland Credit XXXX agency. Although I explained to them several times I have proof that I completed the terms of the loan, they played games with me. They would say, " We will suspend the demand for payment temporarily and let you know what to do. '' They refused to allow me to send copies of the bank statement showing the proof of payment. It's amazing to me how credit card companies can escape accountability for acting like their customers have not paid what they actually paid.
Product: Debt collection

On XX/XX/XXXX Midland Credit Management filed a Lawsuit in XXXX XXXX Courthouse against me and by using the last name of XXXX which I had not used in XXXX years. The business attempted to serve me somewhere I have never resided at. I filed a dispute in XXXX XXXX courthouse explaining my credit cards had been compromised in XXXX and XXXX and I have not had any credit cards since this happened. I also notified Midland Credit Management that I was on Social Security XXXX and do to never making these charges I would not be responsible for the debt. On XX/XX/XXXX I received a letter stating that Midland Credit had decided to cease collection on the debt due to my financial situation. Fortunately, I have kept all information. On XX/XX/XXXX a different Sheriff showed up at my door by the same company under my legal name suing me again for a different credit card that again I was never notified of owing or that it was ever even used? The credit cards were written off over XXXX years ago for false charges and this is why I dont have any credit cards. Im concerned Midland Credit Management is getting old written off accounts and suing people that may not know their is collection and they get a judgment in court without even knowing they have been sued. I have never had police come to my door to serve me anything. The last XXXX months I have been served by the Sheriff and had to go to courthouse to write dispute and now after telling Midland Credit Im on XXXX only and their first debt is not valid here I am with a different court date on XX/XX/XXXX. I will dispute again somehow but my concern is the repeated sheriff visits 1.. is too many let alone sued XXXX times in XXXX months?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1.XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX XXXX act # 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 an account without my written consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, TRANSUNION reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card 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. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting or Face Legal Action - Compliance Required under Texas FCRA Identity Theft Fraud Laws Dear WORTH FINANC, I am addressing a serious breach regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, particularly Texas Penal Code Section 32.51 . 

It has come to my attention that WORTH FINANC has already engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal law, stipulated in the FCRA, unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In alignment with federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code provides explicit directives for the equitable reporting of consumer credit information. Concurrently, identity theft fraud laws, such as Texas Penal Code Section 32.51, accentuate the gravity of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not granted consent for WORTH FINANC to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant infringement of my rights, potentially resulting in harm to my creditworthiness and a flagrant disregard for federal and state laws.

I demand, unequivocally, that WORTH FINANC immediately desist from further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the designated 30-day timeframe will be deemed as intentional noncompliance, subject to penalties under relevant laws, inclusive of identity theft fraud laws.

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under these specific provisions of the FCRA, Texas state law, and identity theft fraud laws. This is not a matter open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I anticipate your immediate attention to this matter and expect WORTH FINANC to expeditiously rectify these egregious violations, respecting my rights under federal and state laws.