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

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX XXXX XXXX Account # XXXX XXXX ) Account name : XXXX XXXX XXXX  Account # XXXX the above listed 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 602 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 us inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX in good faith I applied for an auto loan with JP MORGAN CHASE BANK and was denied an extension of my own credit. This is hindering my livelihood as a consumer.
Product: Debt collection

I am filing a formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have caused significant financial harm and emotional distress. Despite my efforts to resolve this issue directly with Equifax, they have failed to comply with FCRA mandates, specifically regarding their obligation to investigate and correct disputed information within the legally required timeframe. 

Details of the Dispute : On XX/XX/scrub>XXXX XXXX XXXX I submitted a formal dispute to Equifax, providing detailed documentation, including identity verification, and requested a comprehensive investigation into multiple inaccuracies on my credit report. The disputed items included incorrect late payments, charge-offs, and collection accounts, which are affecting my credit standing. I requested a thorough investigation in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Specific Violations : Failure to Investigate Disputed Information in a Timely Manner ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Equifax has failed to complete its investigation within the 30-day statutory timeframe. As of today, no valid response or resolution has been provided.

Failure to Maintain Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax continues to report inaccurate and unverifiable information, including late payments and charge-offs, despite my dispute.

Failure to Provide Proper Verification of Disputed Accounts ( 15 U.S.C. 1681i ( a ) ( 6 ) ) I requested full documentation and verification for each disputed account directly from the original creditors. Equifax has failed to provide this information, relying on automated systems like e-OSCAR instead of fulfilling their obligation under the law. 

Impact of These Violations : XXXX failure to resolve this dispute has caused the following adverse effects : Denial of credit and increased interest rates on existing accounts. 
Emotional distress and frustration due to unresolved issues that are not only impacting my financial health but also my overall well-being. 
Disputed Items ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Requested Resolution : I am requesting that the Consumer Financial Protection Bureau take immediate action to compel Equifax to : Delete all inaccurate and unverifiable items from my credit report immediately, as they failed to provide a timely investigation under the FCRA. 
Provide full verification for all disputed items directly from the original creditors, not through third-party databases or automated systems. 
Compensate for statutory damages as provided under 15 U.S.C. 1681n, for willful non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has taken the debt companies explanation of terms and conditions of a XXXX  office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX  review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
Product: Debt collection

Good afternoon - We have a credit line with M & T bank. Today we received a call advising we were behind on our account, and it has hit our credit 2x. My concern is we were not given the chance to liquidate our bill. We did not receive anything via mail and or a phone call. As all Americans we make mistakes and have oversights here and there, and a reminder phone call is always welcome on this situation. If that would have happened we would have made the payment right there and then, and non of this would have happened. We are just asking for the opportunity to pay before you hit our credit with a negative marker. The fact that they did not attempt to call to collect the debt, before it was to late is not acceptable. 

If you have any additional questions please feel free to contact me. 

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

It has come to my attention that you have not taken the necessary steps to remove items despite being provided with an FTC fraud report, specifically # XXXX, as mandated by law under FCRA Section 605b. This complaint includes my new FTC report, # XXXX, for your reference. In the event that you choose not to remove the account detailed below, which is inaccurately reported due to identity theft, I want to make it clear that I am prepared to take legal action. While legal recourse is not my preferred course of action, it becomes necessary if compliance with the law is not observed. Therefore, I urge you to promptly remove the fraudulent account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}. If you contend that this account is entirely accurate and verifiable, I require you to furnish me with copies of any documentation associated with this account bearing my signature, as I am certain none such documents exist. In the absence of any such documentation with my signature, I formally request the immediate deletion of this account from the credit file associated with my Social Security number. Please be aware that you have a legal obligation to remove the reporting of this account from my credit file within 4 business days, as it results from an alleged identity theft. I explicitly do not consent to XXXX or any form of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XX/XX/XXXX, XX/XX/XXXX and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a {$0.00} balance on my Victoria Secret 's Credit Card. 
On XX/XX/XXXX I made a purchase at a Victoria Secret Store for {$16.00} On XX/XX/XXXX ( a Friday ), my payment was due. 
On XX/XX/XXXX I paid the complete {$16.00} off. 
Due to being 1 buiness day late I was chagred a late fee of {$16.00}, the same fee as my initial purchase. 
Prior to my XX/XX/XXXX due date I asked for a late fee removal, no additional charges were made and the only balance due was my {$16.00} late fee that I was asking to be removed. 
The decision by XXXX XXXX to not waive this late fee was made after XX/XX/XXXX, causing my payment to be late. 
On XX/XX/XXXX, I paid the late fee of {$16.00} they refused to credit me for. 
On XX/XX/XXXX, I was also charged another {$16.00} late fee. 
My total cost for my {$16.00} purchase is now {$48.00}
Product: Checking or savings account

I don't have any specific dates but {$600.00} overdrawn on my account
Product: Debt collection

CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018, i sent Equifax a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! The address that need to be removed are- XXXX XXXX XXXX   , XXXX XXXX , Va XXXX XXXX XXXX XXXX , XXXX XXXX Va XXXX  My name is XXXX XXXX the names to be removed are XXXX XXXX  and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB After many attempts and request for Experian to remove inaccurate personal information from my report as required by Federal and State law, ( old inaccurate addresses ) they have refused to obey the law, we have sent multiple request by letter and also by certified letters and their response has been less than intelligent therefore, after speaking with you yesterday and the research you did to find if Experian has a history of this abuse and finding that you have had hundreds of complaints against them and also, I filed a complaint with the Texas Attorney General 's office, XXXX XXXX who did a preliminary search while I was on hold and found that there were multiple hundreds of complaints made against Experian as well my attorneys are now preparing the paperwork to file a major law suit against Experian for their abuse of Federal law, my attorneys noticed that Experian has multiplied the old inaccurate addresses on my report many times to the tune of 13. Therefore, and because of this abuse we will sue them in the amount of {$1000.00} per old address ( 13 total ) for my time in having to deal with this ( {$10000.00} ) court cost and attorneys fees.

We will also be issuing a public bulletin in addition to my law suit against them to prepare to file a class action law suit as well.

I do appreciate you sharing with us the fact that you have, in the past, fined Experian XXXX XXXX dollars for misrepresenting peoples credit scores and we urge you to fine them again for their many abuses on my and others.

We have all their responses and will present it as evidence against them in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

criminal record that was expunged still appears on my background check. it was expunged on XX/XX/14 by the XXXX XXXX Municipal Courts. it should not be appearing on my background check and I can provide documentation as needed.
Product: Debt collection

I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.
Product: Checking or savings account

I was using the new XXXX TV Service however, the prices increased and I was currently in school full time and not working. Therefore, I canceled my subscription with XXXX and  Paypal. However, I was charged again by both companies and neither company would accept responsibility for their error. I notified XXXX XXXX XXXX Consumer Investigative Department and I believe XXXX has corrected the issue. However, PayPal keeps send me messages and still will not allow me to cancel my account. The last debit that they initiated on my account was not authorized. I have since changed bank accounts and debit cards and I am still receiving harrassing emails. 
Could someone please help me resolve this issue. If I had requested the service or used the service, I would gladly pay the fee. However, that id not the case. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have sent a certified and returned received letter on XX/XX/2019 asking Pinnacle Recovery , Inc. XXXX XXXX, XXXX , CA  XXXX to validate the debt. They have not responded to my request. After sending the letter to stop calling they continue to call. I have received over 4 phone calls after the letter was sent. 

1st phone call was on XX/XX/2019 2nd phone call was on XX/XX/2019 3rd phone call was on XX/XX/2019 4th phone call was on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX   XXXX  is reporting several incorrect items on my  XXXX , Transunion and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in   XX/XX/XXXX  (   XXXX   ), w hich the last payment made was i n XX/XX/XXXX . Second, it is re porting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The  XXXX  I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.   <P/> The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additiona l two yea rs which it legally can not do.
Product: Credit card

On XX/XX/2024 I notified Synchrony Bank that there were two fraudulent charges on my XXXX bill made to a company in XXXX XXXX when I was vacationing in XXXX. Synchrony agreed these charges were not made by me, but sent me a bill due XX/XX/2024 including them. 

I called nine different phone numbers over the past three weeks to get an accurate balance and a request to cancel my card. No one I spoke with on the phone or in a chat had access to my account or could cancel the card. Instead, I kept getting pitches for financial services with recurring monthly fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and Exquifax on my report. with the months of this year.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention Transworld Systems Inc has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

It has become apparent that Transworld Systems Inc is in clear violation of my consumer rights. They have engaged in false, misleading, and deceptive practices, including placing a collection account on my consumer report without providing necessary disclosures. This action directly contravenes 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A. 

I want to make it unequivocally clear that I dispute owing any and all debts to Transworld Systems Inc. Furthermore, I am hereby revoking all rights for Transworld Systems Inc to communicate with me via email, text, or phone calls. 

In light of the above, I demand the following from Transworld Systems Inc : 1. Immediate validation of the debt in accordance with federal regulations. 
2. Disclosure of the purchase agreement between Transworld Systems Inc and the original creditor. 
3. Proof of licensing and bonding to collect debts in my state. 


I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure my consumer rights are protected. 

Thank you for your attention to this urgent matter.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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: Mortgage

Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX  related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting

In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Product: Credit card or prepaid card

Over the XX/XX/2023 statement period, I used American Express 's " Pay It '' option to pay off individual purchases. However, these payments were not applied to those purchases as American Express advertises and discloses in their " Terms ''. Instead, these payments were applied to their " Plan It '' feature ( you can " Plan '' large purchases to be paid off over months ). This resulted in a monthly statement bill 3 times the size it should've been. This is an issue American Express is aware of, but has taken no action to fix. After talking with customer service, they made me aware that this is an ongoing issue that they receive complaints from several users about on a regular basis. Customer service would not correct American Express 's mistake in their misapplying the payments ( I wanted them to apply the payments to the correct transactions ), and instead only offered to refund me those payments.