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

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - XXXX Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit card or prepaid card

Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX, Equifax, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.
Product: Credit reporting or other personal consumer reports

For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.
Product: Checking or savings account

XXXX I was charged hundreds of dollars in overdraft fees, and I was a XXXX year old that didnt know to close the account. They kept tacking in overdraft fees until my account was {$500.00} negative and closed my account. It was shady, and I never used them and have told everyone I know not to bank with them. I switched to a credit union and theyre great.
Product: Checking or savings account

Name of our company : XXXX. 
Bank of America Merchant services Merchant ID : XXXX. 
We opened a Merchant account with Bank of America and now we are no longer in business. 
We called to close the account and they told us that we need to pay {$500.00}. 
They falsely told us that we have a contract ( we don't, we never signed one ) and we can't close our Merchant services account before 3 years. 
We never signed such contract and they are trying to bully us into paying this outrageous fee just for closing the account.
Product: Credit reporting or other personal consumer reports

Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/XXXX Agency Name : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$1300.00} Date of Account : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placing a hard inquiry on my credit report without my knowledge. There are several hard inquiries on my report that I did not approve. 
Also a hard inquiry showed up on my report and I did not submit any report with the company
Product: Mortgage

I paid my US Bank Line of credit off XX/XX/2016 and the lien was never re-conveyed from my property. I am trying to refinance my home and this US Bank lien is causing a " BIG '' issue and delaying the closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Debt collection

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Money transfer, virtual currency, or money service

Cash app locked my account for no reason when I got paid my veteran affairs XXXX check. They refuse to let me use my funds and I have no money anywhere else. I havent had food in 2 days
Product: Debt collection

the case of XXXX XXXX vs. LVNV Funding LLC, c/o Resurgent Capital Services , where XXXX has requested documentation related to the alleged debt originally owed to XXXX XXXXXXXX, the following legal principles and consumer rights are relevant to his situation, especially given that the original creditor has reported the debt as written off as a Profit and Loss as bad debt. 

XXXX XXXX XXXX XXXX. Legal Framework Governing Debt Collection - Fair Debt Collection Practices Act ( FDCPA ) : This federal law regulates the practices of debt collectors and provides consumers with rights when dealing with debt collection. Key provisions include : - Validation of Debt : Under Section 809 of the FDCPA, XXXX has the right to request validation of the debt. This includes the right to see the original contract and any assignment documents that prove LVNV has the legal right to collect the debt. 
- Prohibition Against Unfair Practices : Debt collectors can not use deceptive or abusive practices to collect debts. This includes misrepresenting the amount owed or failing to provide requested documentation. 

# # # XXXX. Consumer Rights - RighXXXX to Request Documentation : XXXX has the right to request the original credit agreement and any documentation that establishes LVNV 's right to collect the debt. If LVNV can not provide this documentation, they may not have the legal standing to pursue collection. 
- Dispute the Debt : If XXXX believes the debt is invalid, he can formally dispute it. Under the FDCPA, once he disputes the debt in writing, LVNV must cease collection activities until they provide validation. 

# # # XXXX. Impact of Debt Write-Off - Profit and Loss Write-Off : If XXXX  XXXX has written off the debt as a Profit and Loss, this typically means they have recognized it as uncollectible for accounting purposes. This does not automatically transfer the liability to XXXX ; rather, it may indicate that the debt no longer exists as a collectible obligation. 
- Tax Implications : A debt that is written off may be reported to the IRS as income via Form 1099-C. However, the consumer is not responsible for the debt if it has been discharged. 

# # # XXXX. Relevant Case Law Several cases help illustrate consumer rights in situations similar to XXXX 's : - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court held that a debt collector must own the debt or have a right to collect on it. If XXXX can not provide proof of ownership or the right to collect, they may not legally pursue XXXX. 

- XXXX v. LVNV Funding LLC ( XXXX ) : The court ruled that debt collectors must provide proof of the underlying debt and the right to collect it. In this case, the court found in favor of the consumer when the debt collector failed to provide sufficient documentation. 

- XXXX v. XXXX XXXX XXXX ( XXXX ) : The court ruled that failing to provide requested documentation constitutes a violation of the FDCPA. This establishes that consumers are entitled to the original contract and any assignment documents to verify the legitimacy of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB dispute highlighting recent issues with the platform despite using Zelle several times and reporting discrepancies to Zelle an my financial Institute my financial Institute in Zelle failed to investigate my claim adequately they informed me that recovering loss funds was impossible and tracking these funds was infeasible
Product: Credit reporting or other personal consumer reports

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Debt collection

Portfolio Recovery Associates, LLC ( PRA ) purchased a credit account I had with XXXX XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a request to provide documentation validating the debt PRA claims that I owe them.

" Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the following as required, per 15 USC 1692g
Sec. 809 - Validation of debts : - The amount you claim I owe you.

- Explain and show me how you have computed the amount.

- Send me the copies of any documents that prove I agreed to pay the alleged amount.

- Identify the original creditor.

- Confirm that the account has not crossed the SOL period - Prove that you're a licensed debt collector - Show me your license numbers and registered agent. '' In response, PRA has provided documentation showing that PRA purchased from XXXX XXXX XXXX this credit account on XX/XX/XXXX at a claimed balance of {$1400.00}.

Additionally, PRA provided only two statements from XXXX covering the periods of XXXX and XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a letter in response to me stating that PRA had not provided documentation legally required under the Fair Debt Collection Practices Act to validate the debt they claim I owe them. In the initial request for validation I clearly stated, " I would also like to request, in writing, that no calls should be made by your agency or
company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no
option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. '' PRA 's response was to send a letter, to my mother 's address, with even less documentation, simply resending the document showing the PRA had purchased this credit account from XXXX XXXX  XXXX  with no additional documentation beyond that at all.

PRA clearly is unwilling or unable to provide the legally required documentation to validate their claim to this debt. Despite that, PRA continues to report to at least one of the 3 major credit reporting agencies a " MAJOR DEROGATORY '' associated with this credit account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA To Whom It May Concern, I am formally disputing an inaccurate and unlawful credit reporting entry that remains on my credit report despite legal action and a settlement agreement. According to the attached notice dated XX/XX/2019, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my outstanding balance with the institution was fully discharged due to a legal settlement with the state attorneys general, including Floridas Attorney General. The balance owed was reduced to {$0.00}, and XXXX XXXX XXXX committed to notifying all credit reporting agencies, including Equifax, to remove any related negative reporting. 
Despite this, my credit report still reflects an outstanding balance associated with this account, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Furthermore, the Department of Educationcontinues to report this debt, which should have been removed per the provided settlement terms.

Requested Action : 1. Immediately remove this erroneous account and any associated derogatory remarks from my credit report.

2. Investigate and confirm compliance with the settlement terms outlined by XXXX XXXX XXXX. 
XXXX. Provide written confirmation of the accounts deletion within 30 days of receiving this dispute, as required under XXXX XXXX. XXXX of the FCRA. 
Failure to remove this inaccurate information and provide confirmation within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. 
Please find a copy of the notice from XXXX XXXX XXXX enclosed, along with a copy of my identification for verification purposes. 
I expect a prompt resolution of this matter. If you require additional information, you may contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX : XXXX. Notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( dated XX/XX/2019 ) XXXX. Copy of government-issued ID 3. Copy of credit report highlighting the disputed entry
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.