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

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


FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/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

Consumer disputed a claim on Experian report submitted by XXXX XXXX XXXX. Consumer requested validation of information to be made and for Experian to conduct and investigation. Experian responded to consumer 's request for investigation without proper validation per FCRA law. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute.There is NO address, name or personal information to substantiate this claim yet Experian continues to report this as belonging to consumer. This reporting by Experian, after consumer requested information is in violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). Experian has violated FCRA law and consumer is entitled to recieve damages in the amount of {$1000.00} per violation. Consumer is entitled to punitive damages under 1681n of the FCRA due to Experian 's negligence, and willful noncompliance Consumer was denied credit for mortgage. Mortgage lender identified this one account wrongfully attached to consumer 's Experian report as the reason for denial. This false claim by XXXX XXXX XXXX does not appear on other CRA reports of XXXX and XXXX. XXXX XXXX XXXX has a complaint filed with CFPB and has failed to respond to CFPB since XXXX XXXX, 2016. XXXX XXXX XXXX has altogether failed to respond to consumer 's multiple written request for validation sent by Certified mail. Experian has altogether failed to conduct a proper investigation per FDCA to validate this claim.
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX on XX/XX/2018 - by sending money from my chase bank account to another person and I contacted my bank and they said they wouldnt do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

PORTFOLIO RECOVERY denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and XXXX who are allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Debt collection

The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.
Product: Credit card or prepaid card

Recieved an alert from citi for fraud on card XXXX. Spoke to agent provided amounts that were fraudulent. Fraud amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subtotal of {$690.00} Followed up w citi on XXXX at XXXX agents name was XXXX XXXX from the security team. 

issue # 1 - Provessional credit was not provided for the XXXX as per Reg E Unauthorized Transfers regulatory obligation. Although it appears that they are following the 45 day investigation service level agreement under reg e. 

issue # 2 - Agent proceeded to tell me that I was not required to pay the subtotal amount however, that was never communicated to me on XX/XX/XXXX when i reported the fraud. 

I believe citi is not following reg e correctly. They should have issued me the provisional credit while they conducted their investigation especially given that the fraud was correctly identified by the bank 's platform and subsquently alerted me to the concern.
Product: Debt collection

Will you please help me out on deleting and removing these accounts on my credit report? I believe that your expertise on this will really help me out. I have been trying to dispute these accounts for 4 months now and it is still showing on my credit report. Thank you for your time on helping me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Person Information has been breached and am afraid it has fallen under the wrong hands for malicious intent. I noticed on XX/XX/ from CAPITAL ONE I have received a hard inquiry that I DID NOT AUTHORIZE.
Product: Debt or credit management

I drove with XXXX and several times I was dropped off to several different addresses without my account of what happened. I also was given a gps shut off. I believe they have my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Checking or savings account

My daughter did an immediate internal transfer of {$270.00} to my Vystar Checking Account. The employee decided to deposit the funds into my savings account instead. When I went to use my bank card, it was declined. I tried it a couple more times. It was declined each time. Due to the funds not being transferred into my checking account. Those declined charges hit my checking account. Putting me in the negative over {$400.00}. Vystar took it upon themselves to transfer my savings funds to my checking account to cover that money without authorization. My account is not set up to pull from my savings to cover charges for my checking account. All of this mess is due to the first employee failing to deposit the funds in the proper account. Then the second employee taking it upon herself to move my money around. Leaving me no funds to cover my bills coming out of my savings account. HOW IS THIS LEGAL? I am on Social Security and have a low fixed income. Now they are telling me it could be 20 days to fix everything.
Product: Debt collection

I am writing to file a complaint on Agent XXXX XXXX with National Credit Audit Corporation. She has wrongfully filed a debt on my rental history solely out of spite of me not paying her a debt that is incorrect. XXXX tried to force me to pay a {$6000.00} debt was wrongfully reported and once I told her Id rather file a dispute, she cursed me out and called me out of my name. She acted in a very unprofessional and unlawful manner and I do not feel comfortable with her having access to misuse my personal information. I am requesting the wrongfully reported debt be removed or transferred to a delivery debt collector until I am able to come to a resolution. XXXX threatened my livelihood by wrongfully reporting a debt instead of helping come to a solution to the issue at hand. She is misusing her position as a debt collection agent and should be closely monitored or terminated.
Product: Credit reporting or other personal consumer reports

I am following a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly states that the account is accurate without providing any evidence of a through investigation. This practice violates the fair credit report act. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
Product: Debt collection

I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
Product: Debt collection

I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please Remove these items from my account ASAP.
Product: Mortgage

On XX/XX/XXXX I filed my initial complaint with the CFPB regarding my mortgage with Freedom Mortgage Company. As a result of that complaint ( Complaint ID Number XXXX ) in XXXX I received a call from XXXX, ID Number XXXX, of Freedom Mortgage. XXXX informed me the foreclosure sale would be rescinded and Freedom Mortgage would work on my application for a modification. She assured me everything was going to be alright. On XX/XX/XXXX, Freedom Mortgage responded to the CFPB complaint and stated that based on the information I submitted in XX/XX/XXXX, I potentially qualified for a modification. Their response also stated Freedom Mortgage would rescind the sale then update the account and assign me to a Single Point of Contact. 

No one ever called me again from Freedom Mortgage, however in XXXX I was served an eviction notice by Veteran Affairs. At that time, I called Freedom Mortgage and was told the account still showed up as foreclosed. I appeared in court on XX/XX/XXXX. The attorney for Veterans Affairs had no knowledge of the sale being rescinded. After presenting the court with our documents, a continuation was granted. 

On Tuesday, XX/XX/XXXX I spoke to XXXX of Freedom Mortgage, ID Number XXXX. Per our conversation, the notes on my account reflect that a request to rescind the sale was submitted on XX/XX/XXXX. In Coreys words, they are trying to figure out how to do the rescission. In the meantime, because Freedom Mortgage has not communicated with the VA, the VA is moving forward with the eviction case in the local courts I have another hearing scheduled for XX/XX/XXXX. If the court does not grant another continuation, I am in danger of being forced from my home. 

My complaint is # XXXX. Freedom Mortgage has failed to communicate with the VA and as a result I may be forced from my home. # 2. Freedom Mortgage delayed the process to rescind the foreclosure sale which is in turn delaying my right to be reviewed for a modification. # XXXX. As documented in my initial complaint, Freedom Mortgage continues to exhibit a consistent pattern of denying me the opportunity to keep my home. 

I have attached a copy of my initial complaint and the response.
Product: Credit card or prepaid card

Credit card was used to pay to vender for probate of grand fathers property with US Bank card and did not receive services or itemized work vender provided they were suppose to get death certificate for me and did n't they would not return phone calls or emails see attached emails they provided nothing for the {$1600.00} dollars I paid them and I have nothing
Product: Debt collection

This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I receive a payment notification of {$170.00}. What for? 
This card troubled me from the very beginning - it was approved immediately but never reached me. As a result, I could not receive any benefits. Then the card was neither received nor in my use but I keep on receiving notifications about the charges made on the card. Id be asked to pay those unauthorized charges along with the elate fee/interest charges that were added to the unauthorized transactions. 
Also, this card didnt have the annual fee for the first year. But I receive the card so late that I was asked to pay the annual fee for the 2nd year. And so I canceled the card. But now, two months later I received a notification from Amex to pay {$170.00}. I wonder what is it for when all the payments have been made. Please help in terms of 2 Amex credit cards : 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Please help me in terms of removing these unauthorized charges and closing both the Amex cards permanently. 

Thank you
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempts with the unresolved issue of fraudulent items associated with my account. Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your help to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX-XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have requested numerous times from Spring Oaks capital -A SIGNED CONTRACT SIGNATURE PAGE FROM THEM -PROOF OF SALE OR BILL OF SALE THAT THEY PURCHASED THIS DEBT CFPB closed complaint XXXX previously upon their response that they have or had sent any of this. Their statement is a bold faced lie. They have not provided a contract or signature page of the contract in line with the fair credit reporting act, they also can not and have not provided proof that they purchased this debt which is too old to be on any of my credit reports. They only sent a list of the previous companies statement. they are not XXXX XXXX and if they were they would understand this debt is too old to be on my report and they would also be able to provide debt validation such as A SIGNED CONTRACT SIGNATURE page- which they DO NOT HAVE and a proof of debt purchase. if they can not provide both of those items per the fair credit reporting act they MUST remove from my credit report. Their reply to complaint # XXXX before it was closed is a bold lie. Please ask them to provide both. THEY CAN NOT. I do not believe this debt was purchased at all. I believe they pulled public records and do not have the right to collect this debt. Per the FAIR CREDIT REPORTING ACT THERY NEED TO PROVIDE XXXX ) A SIGNED CONTRACT PAGE WITH DATE AND MY SIGNATURE and XXXX ) PROOF OF A BILL OF SALE OR A SIGNED SALE CONTRACT FOR THIS DEBT.