23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Advanced Collection Bureau regarding their handling of a disputed debt account they claim I owe. Despite my request for comprehensive validation of this debt, their response has been woefully inadequate and, I believe, in violation of federal law. 

Details of the Complaint : 1. Legal Right to Collect : I requested proof of their legal ownership or assignment of the debt, including documentation that shows a complete chain of custody from the original creditor to their agency. In response, I received only a signed lease agreement and online account activity records, which do not constitute a full chain of custody.

2. Compliance with Federal Law : I asked for evidence of compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The agency 's response did not include any such evidence, raising concerns about their adherence to these laws.

Violations Alleged : FCRA Section 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 1681s-2 ( a ) ( 1 ) ( B ) ) : These sections require that furnishers of information to credit reporting agencies ensure that the information they provide is accurate and complete. Failure to provide proof of ownership or assignment of the debt calls into question the accuracy and completeness of the information they have furnished, as they must establish their right to report the debt.

FCRA Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ) : Upon notice of dispute from a consumer, furnishers are required to conduct an investigation concerning the disputed information. This includes reviewing all relevant information provided by the credit reporting agency. Advanced Collection Bureau 's failure to adequately respond to my dispute with the required documentation may also constitute a violation of this provision.
Product: Credit card or prepaid card

There was an error on my credit report at time of this company checking and they lowered my limit from {$3500.00} to $ 520 days after I paid it down to a {$320.00} balance. My credit report has since been fixed but now my points dropped 93 due to this card limit decrease. I paid my debt down to under 10 % in order to get a loan to buy a business. Now after they lowered my limit my score dropped 93 points because of this.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  # 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 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: Consumer Loan

XXXX XXXX, XXXX Finance company : Santander Consumer USA Issue : Financed my car for 1 year XX/XX/XXXX to XX/XX/XXXX/Car paid off/ Unauthorized withdrawal. 
- I made another deal for a new car. XXXX was notified on XXXX XXXX not to draw anymore money from my bank account for monthly payments, because the account should be closed right away. They were notified in writing, email, and telephone. 
- Despite all those notifications they debited my bank account for {$340.00}, on XXXX XXXX, XXXX and are still keeping that amount hostage, despite the fact that they have been paid in full by the new dealer. They cashed their payoff amount and still refuse to refund my money taken with no authorization. 
- I have been told that with their predatory lending practices include a form of retaliation for suspending a financing transaction, even when properly and timely advised. 
- I believe that they should refund my money, and I am appealing to you for assistance. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Sections 611 ( a ). it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these ERRORS be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit card or prepaid card

Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD. 

Hi, I have been a Barclay Card Account holder for last 10+ years.

I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history.

I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments.  The program ended in XXXX. 

I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this.

Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing  my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties. 
What Barclays did was 'Balance Chasing ' which was popular in the  XXXX time. I did not know this was still being done. 

In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease. 

I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD.

I would request CFPB to look into Barclays CLD practices. 
Please reach out to me in case any additional documentation is required. 

Thanks, XXXX XXXX
Product: Debt collection

This is a follow up complaint against Equifax, for they have failed to provide accurate information that is in accordance with federal law, FCRA, and congress. The complaint number that I am following up on is XXXX. In the response that Equifax has provided they had stated the following : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' This is not accordance with federal law or the FCRA because if any consumer reporting agency such as Equifax, prepares an investigative consumer report such as Equifax has admitted to doing so. Congress, federal law, and the FCRA states in 15 USC 1681L that " no adverse information in the consumer report may be included in a subsequent consumer report. '' Equifax has in fact furnished an investigative consumer report while also furnishing adverse information. Therefore any and all adverse information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1st call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made 1  payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen Net Credit is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made 16 successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.
Product: Credit reporting or other personal consumer reports

Dear Conns I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act.

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer.

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

My husband passed away and I am unable to continue to make the monthly payments, without his income.
Product: Credit reporting or other personal consumer reports

Violation under FCRA 611 ( 1 ) ( A ) and 623 ( b ) ( 2 ) The law established CRA have 30 days, and 15 days extra to investigate, if not CRA must deleted from its files.

Experian was unable to complete, prove accuracy and respond my disputes and reinvestigation after 54 days. Dispute was sent on XX/XX/year>. Today is XX/XX/year>. 
See attached letters and claims # XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed several different hard credit inquiries that I did not authorize using my transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX   like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
Product: Credit reporting or other personal consumer reports

I was conducting a review of my credit report and saw some hard inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

Hello the purpose im writing today is to complain about a dispute that I sent out to Experian in regards to late payments to ...XXXX XXXX XXXX XXXX account number XXXX, Late Payment Dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Their investigation did not fix this from my account. These late payments are fraudulently being reported and under 1666b they are suppose to send me a bill/statement in the mail 21 days before the due date which i never received and if there is proof of that please send that to me. Also under 15 U.S.C. 1681s-2 ) : The FCRA mandates that a furnisher of information must notify the consumer in writing of its intention to furnish negative information regarding any consumer debt directly to a consumer reporting agency. I have not received any such notification from creditor.Im asking please this Account on my report be fixed and remove those late payments and update the information to reflect " paid as agreed ''. Your violating my rights under the FCRA, Please send me a copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I settled on this debt with XXXX XXXX. It is still showing on my credit reports as opened ( on Experian ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.
Product: Vehicle loan or lease

I paid my loan off on XX/XX/XXXX, and had auto pay set up. They autopay did not cancel as it should have after the loan was paid in full. On XX/XX/XXXX, {$300.00} was taken out of my checking account. I called on XX/XX/XXXX to ask abut it and see when I would get refunded. I was told all overpayments get refunded the end of the following month. I have been calling and emailing them asking about the refund and I almost always get the same response that they have escalated the matter and someone will call me back. No one ever calls me back. I still have not received my refund and the representatives will not let me speak to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, is refusing to send me how they verified two accounts on my report stating they have already investigated and have no obligation to reinvestigate. I am aking for how they verified, contracts with my signature etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion our reporting a balance for XXXX XXXX XXXX and I have called XXXX XXXX XXXX and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from XXXX and TransUnion
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Account Dispute Analysis Dear CFPB, I am writing to formally dispute the account reported by XXXX XXXX XXXX under XXXX XXXX, which appears on my credit report with the account number [ XXXX XXXX  ]. 

Account Details : Account Owner : XXXX XXXX ( Individual Account ) Original Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Account Status : Unpaid Balance : {$1100.00} Original Amount Owed : {$800.00} Last Payment Date : XX/XX/XXXX Date of First Delinquency : [ First Delinquency Date ] Agency : XXXX XXXX XXXX Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Dispute Analysis : Lack of Debt Validation : XXXX XXXX XXXX has failed to provide proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have not received proof that this debt belongs to me or that XXXX XXXX XXXX has the legal right to collect it. 

Inaccurate Reporting : The balance reported on this account is inconsistent with the amount owed, and there is no clear history provided for any payments or adjustments. This discrepancy in reporting raises concerns about the accuracy of the information provided by the collection agency. 

Potential Violations of Consumer Rights : XXXX XXXX XXXX may have violated the FDCPA by failing to provide accurate debt validation upon request, as well as not notifying me in accordance with the law regarding the debt collection. Additionally, the way the debt is reported could violate the Fair Credit Reporting Act ( FCRA ) by failing to include correct information in my credit report.

Given these concerns, I request that this account be immediately deleted from my credit file as the reported information is inaccurate and unverifiable.

Please confirm receipt of this request and notify me of the outcome at your earliest convenience. If further documentation is required, feel free to contact me at XXXX. 

Additionally, I have sent a copy of this dispute to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Copy to : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov
Product: Credit card or prepaid card

On  XXXX  I received a phone call from a collector at  Wells Fargo  regarding my account that was past due. I told the collector I paid a small portion ( what I could afford ) over the weekend and she said " yes, but your account still has  XXXX  dollars that 's past due. She repeatedly tried to schedule a payment and I told her I would pay when I had the money to. She pressed again and again, and when I caved and told her a date, she started pressing about scheduling ANOTHER payment after that  XXXX . I told her I was uninterested and that I 'm going through some financial hardship right now and asked what my options would be. She did not answer my question, and continued to ask why I would n't just let her schedule the payments. I told her because I could n't guarantee the funds in the account trying to pay the balance. I eventually hung up on her because she was insistent and I was just outside, enjoying the evening, pushing my son on his tree swing.
Product: Mortgage

I was charged for the property tax in the amount of XXXX by Nations Lending Corporation on my refinance with them but the property tax has already been paid by my old mortgage company. 
Over the phone, the Nations Lending mortgage company agent told me that the amount will be refunded to me but I still have not received the refund in spite of multiple communications with them and the Escrow Company which is XXXX XXXX.
Product: Checking or savings account

I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  XXXX
Product: Credit reporting or other personal consumer reports

For XXXX years now I have been attempting to get my home which was never late in payment and never include din my XXXX. The home was paid off in total. Experian continues to display this as a negative report even though the site itself shows it was paid off and never late in payments. This was a traumatic time for me when I filed for XXXX, but I never missed a home payment. Experian and credit reports continue to display this as negative no matter how many times I have disputed it.
Product: Money transfer, virtual currency, or money service

I use Zelle as a way to pay XXXX XXXX and my friends. But Zelle has a problem. Its always fraud and scams. Theyve taken precautions nowadays but back then, I got scammed a lot of money. My money was being sent without my approval, money got sent and can not be refunded. WHICH IS A SCAM. I am filing this complaint due to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit their system, leaving vulnerable users to scams.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in investigating potential fraudulent business credit accounts that may have been opened in my name without my knowledge or consent.

I have recently discovered indications that my personal information may have been compromised, leading to the possibility of unauthorized business credit being established. To support my claim, I have enclosed a copy of the police report that I filed regarding this matter.

As a consumer, I am concerned about the impact this fraudulent activity may have on my credit profile and financial standing. Therefore, I kindly request that you investigate any business credit accounts associated with my name and take the necessary steps to block and remove any fraudulent accounts that may be identified. 
For your reference, my personal information is as follows : Social Security Number : XXXX Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX La, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX