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

I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also XXXX XXXX XXXX XXXX Inquiry XX/XX/2023 listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within XXXX business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times, and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering my funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App 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: Debt collection

The original creditor, XXXX XXXX, charged off a false amount of debt in the amount of {$8900.00}, then sent a file over to Fair Collections and Outsourcing, who attempted to collect {$8900.00} as well. 

Once I found out, I contacted XXXX XXXX, proving to them that their {$8900.00} was completely inaccurate, and that they kept my security deposit. Instead of resolving this issue fully and recalling the debt from the collector, Invitation sent Fair Collections and Outsourcing a new amount of {$3600.00}, which is still inaccurate. 

Fair Credit and Outsourcing refuses to verify the debt they claim I owe, and will not delete their collection from my credit file. This is unfair, as I do not owe either company {$3600.00} or any other debt.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act, this creditor has violated my rights. 15 USC 1681 section 602 States that I have the right to privacy.

15 U.S. Code 1681 Section 604A Section 2 states that a consumer reporting agency ( CRA ) can not provide an account without a consumer 's written instructions.

15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This account was removed and added even after providing all relevant information.

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute the following 4 fraudulent accounts listed on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX CARD ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX CARD ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card or prepaid card

I paid the balance in full XX/XX/XXXX for {$3200.00} I paid {$1.00} for the interest of {$0.00} on XX/XX/XXXX and had late fee reversed. The account balance was confirmed XXXX with no further payments due. Now im told i didn't pay {$26.00} in interest from XX/XX/XXXX & have been charged an additional {$41.00} late fee. I was on the phone for 30minutes with 3 different " account specialists '' who couldnt find my account, couldn't explain what happened and gave me a new number to call XXXX XXXX XXXX XXXX couldn't help me and transferred me again. That man was going to resolve it, put me on hold and after some minutes, another woman started all over again and couldn't see the previous notes. After confirming that this call center is based in the XXXX and hearing that the phone quality is terrible she sent me to the " escallation department ''. I spoke with XXXX and started all over again. Could barely hear him, he said he couldnt do anything and even if I paid the {$67.00} before the due date of the XXXX, he couldn't say if the balance would be considered paid in full. I asked multiple times for a manager or supervisor and was told there wasn't anyone to talk to. 
I was on the phone for over 1.5 hours with no resolution, poor costumer service, poor phone quality and being given the run around in addition to being charged fraudulently.
Product: Credit card

I opened a Lowe 's Credit Card in 2020. Since opening, there has been a recurring, monthly charge to Security Benefits ( XXXX ) in a different amount each month. 

I called Synchrony, who handles the account, and they informed me that I opted in to some sort of optional payment security. I informed them that I did not opt into any program like this and asked them for the paperwork to verify. They refused to send any paperwork. I asked for the contract or agreement that I signed to opt into this program, and they refused to send it. They told me to call the XXXX number that appears on the transaction. When I called that number, the automated answering service stated that there was no account associated with my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation and Removal of XXXX XXXX XXXX XXXX from My Credit Report Dear Equifax , I am writing to formally dispute the XXXX XXXX XXXX XXXX  account currently listed on my credit report. In the past, I have opened multiple disputes regarding this account, and each time I was informed that the matter had been thoroughly investigated. However, I am now aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for failing to properly investigate consumer disputes. Given this development, I am compelled to challenge the validity of your prior investigations. 

I have also filed a dispute directly with the CFPB regarding this matter. I am requesting that Equifax validate this alleged debt by providing all original documents, including any agreements or proof of ownership of the debt, as required under the Fair Credit Reporting Act ( FCRA ). The amount on the account is also incorrect, the information states the loan that was taken out from this company was a total of {$900.00} but it shows now on the charge off a total of {$1300.00}. If Equifax can not verify the accuracy and legitimacy of this debt, I demand that the XXXX XXXXXXXX XXXX XXXX account be deleted from my credit report immediately. 

The continued reporting of unverifiable or inaccurate information on my credit report is unacceptable, as it negatively affects my financial standing. I expect Equifax to conduct a fair and thorough investigation into this matter and provide me with written confirmation of your findings and any actions taken to correct my credit report. I have submitted countless reports to XXXX XXXX to try and assist and rectify this situation previously through CFPB ; none of my attempts have been successful. 

Thank you for addressing this matter promptly. I expect a response within the 30-day timeframe mandated by the FCRA. Should you require further information or have any questions, you may contact me directly at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit card

I called Barclays Care department on XX/XX/2024 & spoke with XXXX XXXX the annual fees charged to my account recently posted to my credit card. He said they won't refund the annual fees due XX/XX/2024. See my statement included with this complaint, I just got the info because the payment made by my bank XXXX. XXXX recently made lots of changes to the routes they offer & I no longer can use the benefits they charged my annual fees for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid Americollect IN FULL on ALL medicial collections. They will not update any of my credit reports! This is effecting my credit score!!
Product: Mortgage

Imagine struggling as a single father of XXXX, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my XXXX  years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. XXXX/DovenMuechle has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement XXXX Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.
Product: Debt collection

I am showing that I have a debt with XXXX XXXX XXXX XXXX {$1000.00}. The problem is I never stayed at a XXXX XXXX or visited a XXXX XXXX, I have disputed this charge over and over and it has yet to be validated I do not believe this is a valid debt. I have always either had insurance or medicaid and this has never been billed to either one. The only reason I know about this is because it keeps showing up on my credit report I have no account number or date of service. All I can provide is a screen shot where this debt is showing as a collections account with Choice Recovery INC. How can a company just randomly add a medical bill that I have no idea about to my credit and never send me anything in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX and Account Number : XXXX .... has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this 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.

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 card or prepaid card

I have a Citi XXXX XXXX XXXX account which I used regularly and paid on time every cycle. 

On XX/XX/2021 my account was closed by the bank which I did not ask. 

I have {$3000.00} of cash rewards on the account which I verified over the Citi automatic voice phone call system ( Citi online account system refused to show any details of the account ). However, after the account was closed involuntarily, I contacted Citi but was told that I'm not able to redeem any of my rewards from the account. 

I absolutely believe it does not make any sense that my reward cash is not redeemable to me. The rewards were earned through actual purchases and payments by myself. Citi closed my account without any prior notification thus I can not possibly know when to redeem the rewards before account closing. And immediately after the account was closed the rewards cash is not redeemable, even though the phone record shows {$3000.00} rewards on the account. 

I need the company to provide reasons of closing the account and enable the redemption of my rewards cash.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed a collections account being pursued by Kingston Data and Credit International Inc. I disputed this clam and received no response to my dispute but it is still showing as a collection on my credit reports. Also, In regards to this claim, I have received no competent evidence that proves I owe any debt to Kingston Data and Credit International Inc. I will pay in full if there has been any signed original contract/agreement between myself and Kingston Data and Credit International Inc that provided me consideration for their claim to be enforceable. Also, under Florida State law this constitutes fraud, which is a felony. My rights to privacy have been been breached ( pursuant to 15 USC 1692 ), causing me harm, abuse and mental anguish. I gave Kingston Data and Credit International Inc no authorization to furnish anything on my credit profile. They are conducting identity theft which is also a felony of the third degree under Florida Law. Kingston Data and Credit International Inc needs to provide me with their bond, proof of insurance and what authority they have to legally collect. I will also be charging Kingston Data and Credit International Inc {$10000.00} ( XXXX XXXX XXXX  ) for my time, inconvenience, the breach of my privacy and attempting to steal my identity. I demand my information/account be deleted from their files/records and removed from my credit reports immediately. I will not hesitate to exercise my rights if my demands are not met immediately.
Product: Credit reporting or other personal consumer reports

Im completely devastated after seeing false accounts appear on my credit report today, and I dont know why this is happening. Ive always checked my credit report without any issues until now. I tried refreshing my browser, hoping it was just a mistake, but the errors didnt go away. Im at a loss for what to do and am pleading for you to carefully review the documents Ive sent to make sure this problem is fully addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # 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 company 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : TransUnion has XXXX inaccurate XXXX XXXX. Close to XXXX  % below the other bureaus. Request that the company tune their algorithms properly. Their assessment is highly inaccurate and biased. There is no basis for the credit score reported by them.
Product: Checking or savings account

I have been in a XXXX XXXX for over 20 years, since open the account in XXXX, as a grandfather account and all of the sudden while been overseas the bank decide to lower the package where i will be getting charges for withdraw cash or using my debit card overseas. Foreign fees are expensive, I talked to them and all the said is bank regulation. I feel like they are forcing me pay fees because that the only debit card i have. 

Im asking them to change me back to that package for 3 month until i get back and they refuse.