23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against XXXX, XXXX, and XXXX On XX/XX/XXXX I sent in a Correction to my Credit Report Letter excursing my right per 12 CFR 1006, 15 USC 1692 and sent a request of how I would like it fixed per violations of law 15 U. S. Code 6802-6805. This company is reporting inaccurate information about the consumer ( XXXX XXXX ), reporting unverified information, reporting incomplete/ missing info, etc. The incomplete / missing information on every account number is a violation of the Fair Credit Reporting Act section 609. These debts were charged off meaning it is income for the consumer per 26 U. S. Code 108, Which you can not report income. Transaction history should not be reported per to law 15 us code 1681a ( 2 ) ( i ) -which reads ( 2 ) exclusions ( a ) Credit report should not include ( i ) report contain information solely as to transactions or experiences between the consumer and the person making the report.

These are serious breaches of my Privacy Rights per 16 CFR 313. Additionally, These Debts are not registered to any entity so therefore these debts can not be reported per Privacy act of 1974. All these debts are personal are personal and not commercial, so they dont reserve the right to report to a commercial entity and I demand them to be removed.

The following items that have been attached whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Per the Privacy Act of 1974 5 USC 552 ( 522 ) FTC Report Identity theft ( you are not supposed to give your SSN to anyone but the government ). These adverse items being reported has nothing to do with any sort of crime or conviction thereof and is not equitable to be reported.

Over the past serval months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.
Product: Credit card

I have a complaint about Ollo Credit card and Ally. Ally has taken over Ollo, and interest rates on this card has gone up to 30.49 % in the past couple of months from like 25 %. Is anybody regulating these credit card companies? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX $ XXXX Opened : XX/XX/201XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Product: Checking or savings account

BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.
Product: Debt collection

XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX  XXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, XXXX XXXX XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

In XXXX XXXX XXXX I had made payments towards my unsubsidized loans in total of {$1600.00}. This money was supposed to pay off all my unsubsidized loans however it was backdated & was submitted to my subsidized loans instead. I have called XXXX separate occasions to tell them to reallocate them to the correct loan. I was told it would be transferred & there is proof on their end of this request. Months later I check there is still a balance on my unsubsidized loans and they had never reallocated the money. I also have emails confirming that two of my loans have been paid off yet it still shows a balance. I spoke to XXXX one of the managers at Nelnet on XXXX  and she told me that she sees that what I have said is true & it looks like the accounting team has messed up my payments. She told me that she would call me on XX/XX/XXXX in the morning at XXXX  PT because that would be when she can contact the accounting office when they are open again. but she never did call me back. Currently I have interest from that loan even thought I shouldnt have in the first place.
Product: Debt collection

The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On or about XXXX Chase Bank pulled a soft credit inquiry from XXXX for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. XXXX reported my credit score at XXXX on XXXX. I called the credit card department at Chase and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have XXXX XXXX credit use on my credit cards per XXXX. Chase also said Balances on accounts are too high compared to credit limits and per XXXX of the 38 accounts only two have a balance the remainder is XXXX balance. The last issue per Chase the number of accounts in use is an issue. XXXX is reporting only two accounts out of 38 have a balance. I spoke to Chase and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX my truck was repossessed due to late payments. I notified the lien holder of my financial hardships due to Covid-19 crisis. 
They would not grant a deferment to help me get the payments caught up. I informed them that I was unemployed and receiving unemployment benefits. In accordance to SB20-211 Limitations on extraordinary collection actions, my rights are protected. 
I was told by the lien holder that they are in compliance and I was lying about the Senate Bill 20-211.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Synchrony Bank sent a response to my previous complaint ( CFPB # XXXX ) that does not address the actual issues brought to their attention, simply stating meaningless facts for the sake of providing some sort of a response. For instance, Synchrony Bank stated that the address on my Synchrony Bank account does not match the address on my inquiry through the CFPB : this is not true because all my Synchrony Bank statements and other correspondence from Synchrony Bank carry the same address as the address shown on my inquires to Synchrony Bank directly and through the CFPB. 
The letter dated XX/XX/XXXX by Synchrony Bank, of which a " copy '' was attached to their response sent to the CFPB, was never sent to my attention by mail or through the on-line portal. This letter stated the following : " At this time, we consider the dispute closed and the matter resolved to your satisfaction. These credits will appear on your XX/XX/XXXX billing statement. This adjustment does not set a precedent for any future adjustments regarding this matter. In addition, no further adjustments will be made to your above-referenced account unless there is a valid billing error ''. 
Instead, I received a letter from Synchrony Bank dated XX/XX/XXXX which stated the following : " If you feel that your inquiry was not handled appropriately or you have additional information not previously provided, please call us within 30 days of this letter at the phone number listed below so that we may further review your inquiry ''. 
In fact, based on the letter I received from Synchrony Bank dated XX/XX/XXXX, on XX/XX/XXXX I contacted the Dispute Remediation team and discussed the circumstances of the disputes on the two orders with XXXX XXXX XXXX, having already requested on several occasions over the last few months that the overbilling on the orders ( order # XXXX, sale date XX/XX/XXXX ; order # XXXX, sale date XX/XX/XXXX ) is reviewed by the team at XXXX XXXX XXXX and the overbilled amounts are fully refunded to me. On XX/XX/XXXX, the Account Manager of Dispute Remediation at Synchrony Bank ( XXXX XXXX XXXX XXXX reassured me that the disputes have been re-opened ; he was also able to confirm that the address on my Synchrony Bank account is the same address I used in the correspondence regarding my disputes, and was unsure as to why the Senior Specialist XXXX XXXX stated in the response provided to CFPB that the address in my inquiry ( dispute ) does not match the address on my Synchrony Bank account.