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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX XXXX signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

They said they would stop pursuing because I sent in certified mail stating to show me proof of my original contract for the date to validate it was actually me.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to PORSCHE FINANCIAL SRVC regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Paypal held funds exceeding {$1800.00} on an item I sold on Ebay. The buyer even left positive feedback the item was received. Nevertheless, Paypal held the funds for over 21 days in violation of the Electronic Fund Transfer Act, and in spite of my complaints in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Vehicle loan or lease

Autopay advertises through XXXX XXXX, which targets advertisements based on my credit profile. I have super prime level credit profile. They advertise multiple rates and terms, and tell you your likelihood of success. 

I chose to apply for their XXXX % loan at a XXXX  month term, which they said I had very good approval chances. 

I was subsequently informed I was approved for the loan, only to discover later that the rate was not as advertised XXXX XXXX % on a XXXX  month term. When I asked about the XXXX  % I applied for, the rep, on a recorded line, informed me I cant control what marketing does as if they know they are advertising these low rates but dont have them. So I asked for clarification- did I not qualify for that rate, or does it not exist? She confirmed, they dont have rates that low. The lowest rate they have to offer is the XXXX % for the XXXX  month term. 

She confirmed this in writing via text message. 

So, my chances for approval for the XXXX % on a XXXX  month term was not very good- it was instead non-existent. 

They are STILL marketing the XXXX  % rate on credit karma to me. 

This is extremely deceptive. I want either the rate offered, or the inquiry removed from my credit report as the authorization was obtained under false pretenses. 

How does this get past compliance?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor Mt XXXX XXXX CA ) - Account # : XXXX have 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the Equifax Data Breach of 2017, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/year> I got a deposit in my SOFI account for {$1400.00} SOFI then restricted my account based on some transaction history.

It was deemed by their internal review team that my account would be closed and the remaining balance would then be mailed to me of {$1400.00} It has been almost 60 days since that happened. since then I call and receive no information on the timeline in which my account will be closed.

I have asked them to allow me to provided any information they may need, they then reject that and tell me there is no way to contact the review team. 

They will no tell me any information and it for all intent and purposes feels like they are stealing my money. They refuse to give me any kind of timeline. I have called them XXXX or more times. over the last 60 days. with absolutely no head way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN. It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need.
The fact that a government agency is not available to protect us from these bumbling idiots is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.
Product: Checking or savings account

First Republic Bank removed from my account {$96.00}, XXXX right before the Chase took over. I was never returned that money Account # XXXX
Product: Credit reporting or other personal consumer reports

I have filed complaints and FTC Reports regarding a XXXX XXXX XXXX account appearing TWICE on my credit report. I have contacted the creditor and they refuse to provide any information or why this account is reporting twice to my credit report because they said they do not have my information in their system. It appears that the creditor is reporting personal information that does not belong to me such as an address. This address does not appear on my credit report nor belong to me and I have informed the credit reporting agencies of this information. The credit reporting agencies are refusing to investigate and remove this fraudulent information even though an FTC report was submitted. I don't know what else to do at this point because I have contacted the company, and the credit reporting agencies, and filed a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting incorrection on my report with out showing this account is valid
Product: Credit reporting or other personal consumer reports

There is a fraud alert and statement on my credit report that I did not place and have asked to be removed, however transunion refused to do so. I am not able to submit disputes online or remove the statement has they have my online access restricted.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX  Account Name XXXX XXXX Account Number : XXXX 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 don't have no written premission 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settle with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation. I closed the account due to all the charges on my account.
Product: Debt collection

They keep calling me several times a day including at night.. using different numbers sometimes with no caller Id. They also have been disgusting mail in different sorts of packaging.. today I received a pink bubble wrap type envelope with one sheet of paper in it threatening legal action. I messaged them that I have no money to give no job even. they have already ruined my credit. I went to a XX/XX/XXXX school and the school was found to be predatory but they expect me to pay for the loan. They need to stop. Im stressed out as it is.. with getting by.
Product: Credit card

I enrolled in a 60-month hardship program with Citibank ( Citi Simplicity account ending in XXXX ) in XX/XX/XXXX, with a reduced APR of 9.99 % and monthly payments of {$170.00}. My next payment of {$170.00} is already scheduled for XX/XX/XXXX, and I have made consistent payments throughout the arrangement. 

Since entering the plan, I have been laid off three times, yet have continued making timely payments out of good faith and a strong desire to fulfill my obligations. 

However, despite multiple requests, Citibank has refused to provide or resend the full written terms and conditions of this legally binding agreement. I have never received a copy of the actual agreement outlining start/end dates, credit reporting impact, payment consequences, or what happens if the account falls behind. Citibank is enforcing this arrangement, yet claims they can not provide a copy of the terms. 

On XX/XX/XXXX, I had a live chat with a Citi representative who explicitly stated that the terms can not be resent. I have saved the full transcript of that exchange, which confirms that Citi is unwilling to disclose the contractual terms they are enforcing. 

I am requesting that Citibank provide the full written terms and conditions of this agreement, including how it is reported to credit bureaus, what happens if payments are missed or partial, and what occurs at the end of the plan. Until then, I am unable to make informed financial decisions and do not have clarity on the long-term implications of the arrangement. 

I am submitting this complaint in good faith, as I have continued to make timely paymentseven under serious financial strainand simply want full documentation of the agreement Citi is holding me to.
Product: Credit reporting or other personal consumer reports

XXXX has flagged my credit report with several late payments and my account is set up on auto pay. but furthermore, please see below
.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

I had called them on XX/XX/XXXX when the flood of illegal charges began. It started with over {$1000.00} and {$200.00} worth of XXXX and doordash was illgeallly ordered since I saved my credit card on their site. XXXX has a saved conversation of the thief talking with the seller and doordash has the home address of the thief. I contact baked if america and told them everything onXX/XX/XXXX was not my pitches and it had over max my credit card. Please help I am desperate of help I need this card to be fix of credit fraud charges. Bank of America told me to wait 2 days for report and have yet to receive and report for a while. Please help as it looks like they think I order all of this but I definitely did not ... .I dont know what to do anymore