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

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear AMER CR ACPT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that AMER CR ACPT, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent.

I wish to unequivocally affirm that I have not provided consent for AMER CR ACPT, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that AMER CR ACPT, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that AMER CR ACPT, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Debt collection

In XX/XX/XXXX, I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to Paypal that was outstanding. This debt was attempted to being collected by XXXX. At this time, I checked my Paypal account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to XXXX disputing the debt.

XXXX replied back on XX/XX/XXXX with a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from XXXX, there was given a " Paypal Inc. Account Number '' which I did not recognize. In fact, Paypal says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my Paypal account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my Paypal statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an account with SELF FINANCIAL INC / XXXX that was Opened XXXX XXXX, XXXX that I had made 94 % of payments for this account on time. Upon rendering the account paid in full, it seems as it caused the account to reflect an Worst Payment Status 30-59 Days Late during the process of closing my account as paid in full. CLOSED XX/XX/XXXX OPENED XX/XX/XXXX ... .it shows Payment Due Date XX/XX/XXXX but there was an active Paid in full in progress to pay off the balance. XX/XX/XXXX Payment {$89.00} posted. If that was the case, when I inquired prior to the PIF, I was not made aware that a monthly payment should have been rendered prior to ensure there was a a late pymt rendered on my acct. I was rendered incorrect information by self lender agents.
Product: Credit reporting or other personal consumer reports

I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable.

I feel it is best to release your reporting of this disputed information at once I will have no choice but to commence the unpleasantness of Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Today I had a conversation with a representative of Quicken loans, XXXX. I thought that I was complying with this company 's request to explore some mortgage assistance plan. However, the conversation revolved around an extra payment of {$9.00} that was supposedly added on to my XXXX mortgage. if I paid this {$9.00} addon ( not listed on my XXXX bill ) then supposedly I wouldn't need to pursue my assistance goal?? This process seemed like a " set-up ''. I told the representative that I would mail the {$9.00} but that wasn't good enough. I had to give them my account # immediately to satisfy my mortgage payment ( by the way my mortgage payment was timely for XXXX XXXX. They wanted my bank account # etc. to fullfill their needs. I was totally frustrated by this turn of events. I ended the conversation with a request for a transcript of our conversation. So far they haven't complied!
Product: Checking or savings account

Virginia unemployment made a deposit XXXX in my account on XX/XX/2021 my account was close chase bank a still have the funds they never the money to XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the negative items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit report information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit information & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4000.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance Owed : {$4000.00} -- -- -- -- -- -- TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report information. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting or other personal consumer reports

These inquiries are in violation of codes XXXX XXXX as well as XXXX. I went to a dealership to authorize XXXX person to go through my credit file not ample banks/ lenders! I am unaware of these banks getting a hold of my PEROSNAL information nor have I ever signed any disclosure pertaining to " wanting my personal information publicly shared with any thrid party " inidividual ".. I am in process of filing multiple lawsuits for aggravated identity theft as, obligations with respect to disclose ts if perosnal info most importantly, permissible purposes that I clearly do not authorize .please remove my information from and stop leaking my personal info to third party individuals who are no form of actual " bureaus '' because they're no such thing as credit bureaus by government law this is all within violation
Product: Checking or savings account

Our local Wells Fargo branch was closed. I decided to close my account since we no longer had a branch in the community. I called Wells Fargo on XX/XX/XXXX to close my account. I do not have check blanks for the account so I needed them to do a cashiers check. I was told it my take 10-15 days to receive my check and I may want to use an ATM. My balance in the account was {$1900.00}. I can not get that amount out of an ATM so I asked for the cashiers check. On XX/XX/XXXX I called Wells Fargo as I had not received my check yet. I was on hold for over 30 minutes and transferred 3 times only to be told that they meant to say 10-15 business days. I told them that I received a statement showing a cashiers check was cut on XX/XX/XXXX in the amount of {$1900.00} and I had not received the check yet. They told me the check had been but but had not yet been sent. It is now XX/XX/XXXX and I still do not have my check. I don't feel like it should be legal for the bank to keep my money after I close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.
Product: Debt collection

I was going to switch from my wireless carrier to XXXX  the same night it didn't work so stayed with my current carrier. No service was ever used with XXXX, in XXXX, XXXX I noticed a {$100.00} charge from them on my account. On XX/XX/XXXX I called and spoke to 3 different people, and have attached notes from that day, before I was able to speak to XXXX ( male ) who could see I never used the services at all so he " cancelled '' the service I was not using and refunded the {$100.00} charge XXXX made. It was turned to a company and I told them this when they called me. Now it's showing up as a collection on my credit report. The dollar amount is insignificant, it's the fact that I never had service and XXXX confirmed that and credited my checking account back, NOW they are adversely affecting my credit. I don't know if I need to call XXXX and ask them to pull the call recording or not but I am certainly willing to do that if they do not make this right!
Product: Credit reporting or other personal consumer reports

My account with the company and i 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 in MONTHS REPORTING LATE 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. This company never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute by mail to Equifax on XX/XX/2019, I included a copy of my drivers license and social security card as required by Equifax. In an effort to stall their response time they have sent me a response claiming that I did not provide my Identification which is clearly attached to the letter sent to them on XX/XX/XXXX. I have had this problem with them before in previous disputes and have noticed that this seems to be a common practice for Equifax in an effort to stall. The credit bureaus are required to respond within 30 days of receiving my dispute which Equifax has failed to do.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Credit Cards from XXXX XXXX with a balance of {$1400.00}, XXXX Loans from XXXX XXXX with a balance of {$1700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2018 I experienced issues with my care credit card with synchrony bank. My card was showing as if I had no account. I proceeded to contact synchrony and was told by customer service that my account was restricted I asked why as my account had a XXXX balance and in good .I was told I needed to verify my account. Synchrony bank did not want to accept my info such as address, phone and social security. They told me that I needed to submit a 3 min video of myself with documents in the video proving that it was me. I was told to go on XXXX when I went on this there was no such search providing me with this. I proceeded to call them back and then I was told to submit my documents such as drivers license and a utility bill to a XXXX XXXX address. when I asked for a physical address and a reference number on my documents I was told I did not need it. I hung up and called for the 4th time and asked to fill out a grievance I was told they will note my complaint. By this time I was so upset and voiced that why would a restriction be placed on my account with no notifications and it was 9 months that I opened the account why restrict an account stating they needed to verify after 9months made no sense. I was told a passcode would be sent and then I was to call with the code to un restrict my account. The merchant had to wait fromXXXX till XX/XX/2018 16 days to get paid. My other issue with synchrony bank occurred on XX/XX/18 where I discovered that synchrony bank closed my Jcpenny account and my tjmaxx account. there was no reason to close my account I have been in good standing with both accounts. I have paid on a timely manner and have a XXXX balance owe. I had no warning. I found out via my XXXX XXXX app that sent me an email alerting me that my account was closed. I called jcpenny synchrony bank and I was told that the credit bureau closed my account by customer service. when I contacted XXXX I was told this is not true that the bureaus receive notice from the creditor notifying to close an account. synchrony bank lies. They also don't have physical address for formal complaint grievances. My credit report score has nothing to do with my good standing with my credit card and I feel I was treated unfairly.
Product: Debt collection

When I checked my state of Michigan refund status 2 days ago it stated that my refund was offset by a third party and my refund went from {$1200.00} down to {$300.00}. So I contacted the state refund number and was referring to the collections who I was able to speak to yesterday XX/XX/XXXX. When I asked who was taking my refund they informed me that it would be going to Midland Funding because they were able to get a judgement from the XXXX district court in XXXX, MI back in XX/XX/XXXX. I don't know this company for one and secondly I was never notified of any lawsuit or court dates or anything necessary in order to appear in court to defend myself. I don't understand how this company can get away with this. I have filed complaints with Michigan Attorney Generals office and Michigan Tax Payer Advocate on XX/XX/XXXX. Before this I was told I could try to file a motion to set aside judgement but I may not get a court date before my refund is released to the company.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made 2 payments by an automated phone system to XXXX credit card provided to me by XXXX XXXX. The first payment I made was for {$65.00}, after making the {$65.00} payment, I decided that I did not want to have to owe on this credit card any longer and called back within 15 minutes to make an additional and final payment of {$230.00}. When I called XXXX automated system the second time to make the {$230.00}, the system said my payment was not authorized, it did not provide a confirmation number and the phone hung up. I then decided I would just inquire later why my payment did not go through because I had gotten too busy and no longer had time to handle the matter. Later that day on XX/XX/XXXX, I checked my bank account transactions and noticed the {$230.00} had been deducted from my account. I immediately called XXXX to ask about my payment and they said they never received it. I called my bank and they said the payment cleared on their end and that it could not be disputed since I intended for the payment to take place. My bank advised me to contact XXXXXXXX XXXX to have them help me resolve the issue. I called XXXX again and they then informed me that their system will not allow me to make 2 payments on the automated system in 1 day and that is why they don't understand what happened and they do not see the payment applied. I provided XXXX with a record of my bank transactions showing that the {$230.00} was taken from my account and shows XXXX as the merchant it was paid to. By me making the final payment of {$230.00}, the card would be paid off and I can close my account. I find this odd that when I try to pay off and close my account that they claim not to have received the payment. I had the transaction on my statement. I spoke with XXXX a final time after sending them a screenshot of my bank record which shows the transaction of {$230.00} and they said they would issue me a refund by mail in the form of a check but it could take 2 weeks for me to receive it. I do not understand why I have to wait 2 weeks for a papercheck and I no longer trust XXXX XXXX or their systems.