23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( XXXX ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX  XXXX,, XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 or other personal consumer reports

I have just recently learned that I am a victim of identity theft, I have taken al the steps to file police reports and etc reports and other actions to support my claim for these fraudulent accounts that have been opened in my name fraudulently, unfortunately the CFPB has failed me and my request in order to investigate these alleged allegations to support my claim for identity theft and these fraudulent accounts that have been opened in my name, I am respectfully asking for the CFPB to get involved in my claim and to help support my request and remove the fraudulent accounts that have been opened in my name without my consent, attached is supporting documents to support my claim.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Product: Debt collection

I have disputed this account for the last year or so every month for the fact that this company can not and will not truly verify this account. I even called XXXX to speak to them and I talked to a gentleman that was even confused in why XXXX XXXX would say they have no payment history on this account. Every time I dispute it comes back verified but the only thing that changes is the " First report date and date of status '' which in this case is XXXX XXXX. I have been turned down for credit because the reason is recent delinquency. It is this account that this denial is talking about because if this account was reporting correctly it would be a few years old. The XXXX representative understands why I keep disputing it because it is not reporting correctly. I have even called XXXX XXXX which was in XXXX and XXXX XXXX, XXXX. Both times I was told that their is no payment history and when I mentioned that XXXX XXXX fails to verify and report correctly, I get the response " you paid the account so there is no payment history and we are only the collection company so we do not have a lot of information on your account ''. I asked if XXXX XXXX could remove the account off my credit report since it is not being reported correctly, and I was told a fast " NO ''. Like I said I have disputed this account monthly for the last year and I wrote two letters in the last 3 weeks. But I was told from the representative at XXXX XXXX that it wo n't change anything by writing letters. In the letters I submitted proof in what I am talking about the First report date and date of status keeps becoming the present month we are in, instead of the true date of status of payment. The XXXX Representative told me that this account was assigned to XXXX XXXX in XXXX XXXX, but on the credit reports it says XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I am currently in bankruptcy proceedings case no XXXX and unbelievably TD Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told TD Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the TD Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking TD bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by the media that Equifax accounts had been hacked and that possibly my information had been stolen onXX/XX/XXXX 

I was redirected from the Equifax website to https : XXXX to check and see if my account was one of those affected. I entered my information and was told that indeed my account was affected by the 'breach ' in security, and I was told to come back on XX/XX/XXXX to enroll in an free annual program that would theoretically protect my account. I did this, and have since not received any confirmation or further information. 

I established a permanent security freeze on my account with Equifax in XXXX, as I had seen suspect activity in my credit report. I have not lifted this freeze using the personalized pin number I was provided at that time. 

It seems to me completely irresponsible that Equifax has handled my information so poorly and allowed it to be stolen, particularly considering I have paid the mandatory {$5.00} for the security freeze on my account. 

I ask that the US government close and liquidate Equifax immediately. Equifax should no longer exist as a company. It has permanently jeopardized my identity and my future security, as it has done for half of all Americans, which is totally unacceptable under any circumstances.
Product: Credit reporting

I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?
Product: Credit reporting or other personal consumer reports

I made six separate attempts today ( XX/XX/year> ) to reach Experian with no success. Ive made several attempts on other days previous to today. It is impossible to reach them by phone or online. They have various phone numbers with an automated system and it is impossible to reach a representative. Eventually, the call just hangs up. By phone, the automation tells you to go online to resolve the issue, but when you go online youre told to call or to pay for their monthly subscription. This is foul and should not be legal. The other two reporting agencies ( XXXX and XXXX ) are reachable. This is not ethical and is interfering with my ability to purchase a home. Experian should be immensely fined and shut down. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I did not give Experian consent to furnish the enclosed Accounts, nor the related data associated with the Accounts, on my consumer report. According to the Consumer Credit Protection Act, 15 U.S Code 1681b - Permissible purposes of consumer reports, subsection ( a ), 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 instruction of the consumer to whom it relates. 

Since Experian furnished the enclosed Accounts, with their related data, on my consumer report without my consent, Experian has violated my privacy as a protected consumer. No consent is identity theft and misuse of my non-public personal information. Also, since subsection ( a ) of 15 USC 1681b is subject to subjection ( c ), Furnishing reports in connection with credit transactions that are not initiated by the consumer are limited to : ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor. 

The enclosed accounts furnished in my consumer report include relationships and experiences with different creditors and is a violation of the Consumer Protection Act. As a result of Experian 's failure to comply with the Consumer Credit Protection Act, 15 USC 1681b, my unalienable right to pursue happiness has been hindered. I have been denied access to purchase an automobile, perform much needed repairs on our home, and set up infrastructure for a new business venture because of Experian 's willful non-compliance. As a consumer protected by the Consumer Protection Act, I demand for Experian to remove only the accounts enclosed in the attached document from my consumer report IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

Complaining about Company : Sierra Credit http : //sierracredit.com/ Sierra Credit Corporation XXXX XXXX XXXX. 
XXXX This company repossessed my car XX/XX/2020 in the height of Covid19 quarantine. Im an uber driver and I lost my income since quarantine 2nd week of XXXX. 

I informed them thru email about just getting another job XX/XX/XXXX and will be receiving my first check on XX/XX/XXXX. 

Even with this communication, they still towed and repossessed my car. I dont know how much more excess fee on towing I will get. 

This company needs to be reviewed. 

Financing companies are extended loans by the Federal Government to cushion the financial status of small businesses during this unexpected epidemic recession. 

They are afforded extensions and interest perks by the Federal government, I wonder why they SQUEEZE their clients dry poor especially during this national emergency. 

I know Im not a perfect client and have been delayed in payments but these people, this company is SHREWD to be enjoying taxpayers money while they leave their clients poor by UNREASONABLY grabbing their hard earned assets. 

This company has no compassion for its consumers.
Product: Credit reporting or other personal consumer reports

All the negative item on my credit report is not mines and do not recognize
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Dispute and Complaint Regarding Violations by ICY SYSTEM Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau XXXX XXXX SYSTEM, a collection agency, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On [ date of collection notice or report ], I received notice from ICY SYSTEM that they placed a collection account on my credit report. However, ICY SYSTEM has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), ICY SYSTEM did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), ICY SYSTEM did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies. 

3. Use of False, Misleading, and Deceptive Means : ICY SYSTEM has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : ICY SYSTEM has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law. 

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that ICY SYSTEM remove the collection account from my credit report due to their failure to comply with the above laws. 
* Dispute of Debt : I dispute owing any and all debts to ICY SYSTEM. 
* Revocation of Communication Rights : I hereby revoke any authorization for ICY SYSTEM to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above. 
* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that ICY SYSTEM has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between ICY SYSTEM and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that ICY SYSTEM is licensed and bonded to collect debts in my state. 

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against ICY SYSTEM for their violations of consumer protection laws. 
Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
Sincerely, XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Product: Consumer Loan

On XXXX XXXX, 2016. Went on LendingTree.com website to research a possible auto loan refinance and selected option to " View my rates '' - entered information on the website, did not give my full social security or consent to have credit pulled. My information was forwarded to various third parties who pulled my credit without my consent and I now have XXXX new hard inquiries, affecting my credit scores. These unknown companies are calling me non-stop