23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against National Credit System for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of [ XXXX XXXX XXXX ] have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation.

1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), National Credit System is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws.

2. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, National Credit System has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations.

3. Utilization of False, Misleading, and Deceptive Means : National Credit System has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices.

4. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), National Credit System is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies.

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by National Credit System. Additionally, I request a thorough investigation into the practices of National Credit System to prevent further harm to consumers.

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Debt collection

This morning I woke up to check my bank account. I realized my credit score had gone from XXXX to XXXX overnight. I viewed my credit report and was a {$900.00} debt I owed. I called the lender they did get my social security number. I asked them where the charge was from they said it was medical. I then asked what name was the hospital called. He even spelled it out for me multiple times. XXXX XXXX. Never in my life have I gone to a hospital named that. I ended up googling XXXX XXXX  and a hospital in Ohio popped up. I live in Virginia, Ive never even been to Ohio. I kept telling him please explain why Im getting charge for something out of my state. He started getting frustrated he said if I dont pay my debt hes going to get the police involved. He hung up on me. A couple minutes later he called me back trying to get all my personal info once again. I kept telling him Ive never been to that hospital and he literally goes well what hospitals have you been to? I asked him why he would ask that I told him he sounds like a scammer and he hung up once again.
Product: Credit reporting

All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.
Product: Credit reporting or other personal consumer reports

Someone at XXXX made an unauthorized charge on my bank account without my consent. Then claimed I didn't pay them, which I did. But then the company soon went into bankruptcy and lost their records. I've been trying to have this record deleted from my Experian account but Experian said they ran an investigation and validated the information, which they didn't. Also, Experian didn't provide me proof of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, Division Of Child Support Account # XXXX I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please remove all negative consumer personal data IMMEDIATELY.
Product: Debt collection

I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.
Product: Mortgage

I reached out to XXXX XXXX XXXX on XX/XX/XXXX to ask about COVID-related mortgage forbearance options. They immediately notified me that they were transferring to another loan servicer effective XX/XX/XXXX. However, I require forbearance starting on XX/XX/XXXX, so they are essentially ensuring that I will be late on my mortgage payment before I can request forbearance. 

In addition, on my first scheduled closing, the underwriter, based off a visual analysis of the appraiser 's photos, required a {$23000.00} escrow holdback as security for the completion of additional siding and installation of an external staircase. This resulted in a very stressful delay in closing that almost collapsed the deal. However, more importantly, the appraiser herself, in response to the underwriter, stated that there already was siding on the house that was present and that the stair work was not necessary. The underwriter ignored the appraiser and required the holdback anyway. 

I reached out to the lender to notify them of the fact that siding was already installed and asked if I could instead install an accessibility ramp or external lift, as I am XXXX and occasionally have trouble going up stairs. However, they refused. I believe that they are discriminating against me on the basis of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent XXXX and Experian unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The law states : ( a ) Privacy obligation policy 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.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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, credit repair services, or other personal consumer reports

I talked to the collections department about this account which they told me I would be up to date. I made payments and was reported every month after as past due. I would like the payment history deleted on this account as it is not true due to what I was told. My customer service was excellent from this company and I would like them to stop reporting the payment history which I feel would make me whole due to our conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit 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 XXXX - XXXX, XXXX XXXX - XXXX, XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts 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/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Product: Checking or savings account

XX/XX/XXXX I had XXXX unauthorized transactions on my account for XXXX each. XXXX was a XXXX in XXXX XXXX  and a XXXX  in XXXX XXXX  the same day. I notified Chase and I was told I needed to open and new account and was sent a new debit card. A fraud claim was file and today XX/XX/XXXX it was denied. They stated the transaction was from my XXXX XXXX. Im not sure how when Im in XXXX XXXX and these were in XXXX different states in the same day. I was then told I need to investigate on my own and get more information from XXXX and the XXXX merchants. All of which says its a chase is and Chase is placing the blame elsewhere.
Product: Credit reporting or other personal consumer reports

I notice unauthorized hard inquiries on my credit report that i did not intiate or consent to. These inquiries were made by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And I have no existing relationship with these companies. Did not apply for credit, authorize these inquiries, or provide my permission for them. Have contacted the credit reporting agency and the companies responsible for the inquiries but have not received a resolution. These unauthorized inquiries are negativity impacting my credit score, and I am requesting assistance in removing them.
Product: Debt collection

There are two parties involved : XXXX XXXX. XXXX  in XXXX XXXX and their debt collection agency, Capital Accounts LLC. 

XXXX XXXX. XXXX  in XXXX XXXX repeatedly charged me for misleading amounts without letting me know. They would quote me I need to pay a certain amount, assuring me the rest would be paid by insurance. The insurance company never paid as much as expected. XXXX XXXX. XXXX 1. systematically underestimated the amount covered by insurance to trick consumers into buying procedures and 2. hid the debt from the consumer until it was too late. It is visible that they misrepresented the true cost of the procedure from the billing sheet - I always paid the amount expected on the day of, and then they either collected less from the insurance company or increased the price retroactively. A one-time mistake would be plausible, but it happened almost every time. I received no notification of these debts until recently, 3 years later, when Capital Accounts LLC showed up on my credit report.

Capital Accounts LLC is misrepresenting the amount owed. Even XXXX XXXX XXXXal shows that the debt is {$1200.00}, but Capital Accounts LLC fraudulently lists it at over {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Macy 's credit card in XXXX, 2020 and in XXXX, 2020 I paid the credit card off in full. In XX/XX/2020 I was sent a refund for overpaying my account. In XXXX, 2020 Macy 's charged my account ( which had been closed since XXXX XXXX {$11.00} and did not notify me at all. As a complete refund for the overage was sent to me in XXXX and the account was closed I still am not sure what the {$11.00} is for but in XX/XX/2020 they reported me 30 days late to the credit agency for the {$11.00} that they still had not notified me was due. I have an excellent payment history with this company and I have tried several times to call them but I get transferred or hung up on or told that they can not remove the 30 day late payment and another company reports for them. I asked to speak to that company and after being disconnected 3 times and having to call back and explain all of this over again to Macy 's I finally get transferred and was told that it would be removed immediately. Then I receive a letter from Macy 's saying that they can not remove it because the payment was late. Nothing about how the payment even placed in the first place or that I was not notified at all that something was put on my credit card that was closed and had been closed for months.
Product: Debt collection

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized transaction ] associated with my account, citing violations of my rights under 15 USC 1681 and 1666b. The specific provisions state that : I am writing to formally dispute late payments charge, a billing error, an 15 USC 1681 ( Privacy Rights ) : I have the right to privacy regarding my personal and financial information.

15 USC 1681 ( Section 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish information about my account without my written instruction.

15 USC 1666b ( Credit Card Account Rights ) : A credit card account under an open-end consumer credit plan must adhere to certain protections, including investigations into unauthorized transactions.

The details of the transaction in question are as follows : Upon reviewing my records, I have identified discrepancies that lead me to believe there has been a violation of these statutes. 

of 15 USC 1681 and 1666b. This includes correcting any inaccuracies promptly and providing me with written confirmation of the resolution. it also states a consumer reporting agency can not furnish an account I request that you conduct a thorough investigation into this matter in accordance with the requirements without my written instruction under 15uscs 1666b a credit card account under an open-end consumer account credit plan as late for any purpose, unless The information in section 1637b was mail to the consumer not later than 21 days Please acknowledge receipt of this dispute within 21 of days as per your local regulations or company policy please inform me of the steps you are taking to investigate and resolve this issue.

I would appreciate a timely response outlining the steps that will take to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action...
Product: Student loan

Wells Fargo fails to fix the erroneous charge off of my student loan and my credit history. Prior to this catastrophe my payment history comprised of seven years of automated payments, which I agreed to at the onset of the loan payment agreement. Wells Fargo erroneously charged off my account two years in a row in XX/XX/XXXX and again in XX/XX/XXXX. The first years charge off took half the year to correct as Wells Fargo repeatedly denied their error. The second charge off remains unresolved.