23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This two AVANTE 's account with balance of {$450.00} and {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
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Product: Debt collection

XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( collection ) XXXX. XXXXXXXX XXXX -Account # XXXX ( Collection/Charge-Off ) Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts.

2. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 

3. Violation of 15 USC 1681i ( a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If Experian can not comply, the accounts must be permanently deleted.

Request for Immediate Resolution If Experian can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX account showed up on my credit report for the amount of {$450.00}. I reached out to the debt collector to request verification of the alleged debt and I have not received any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and a piece of mail with my current address on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may 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

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, A Victim of identity theft, I request removal and deletion of the listed accounts on my Experian credit reportXXXX. XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED XXXX XXXX.
Product: Credit card

My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3100.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$300.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$930.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$930.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$360.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

My son purchased a Vanilla Visa gift card for me on XX/XX/XXXXfor {$150.00} from XXXX. When I tried to use, approximately one month later, I found out it had been compromised and had a balance of {$3.00} left on it. It was obviously tampered with and I contacted Vanilla. They have rejected my request for a full refund twice. XXXX told me theyve had problems before. Theres a scam going on with these cards and theyre displayed out in the open where they can be tampered with. I would like a full refund. Vanilla Visa is a disgrace and they make it impossible to reach out to them. I did not make any of those purchases and deserve a full refund amount of {$150.00}.
Product: Debt collection

On XX/XX/XXXX I completed my business with Paypal by paying off the balance of the account to a XXXX. I have a screenshot of the payment from the website. 2 days later additional charges were applied to the account. I called and was told a cease and dissist was placed on the account and Paypal refused to discuss the fraudulent balance applied to my account 2 days after being paid in full. I have been threatened by the CSR about sending this to collections and " ruining my credit ''. I find these threats to be disturbing since the account was paid off and these charges were added to the account after a XXXX balance was obtained by payoff on XX/XX/XXXX
Product: Checking or savings account

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to conduct a reasonable investigation into disputed transactions. However, they have failed to do so by : 1. Denying my dispute without proper investigation.

2. Failing to provide sufficient evidence that this transaction was authorized by me. 
XXXX. Not responding to my requests for documentation proving the legitimacy of the charge. 

I have made multiple attempts to resolve this issue directly with the bank, but I have not received a satisfactory response. I am requesting that the CFPB review this matter and ensure that they comply with federal regulations by conducting a proper investigation and providing proof of authorization for this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax has mishandled my personal information which included my name, Social Security #, address, birthday, and more, which puts me ( and the millions of others this breach affected ) at risk. I am listed as a probable victim on the XXXX site. On that site, they are trying to get people who are affected to sign up for a trial membership of an ID protection service that WAIVES THEIR RIGHTS TO SUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic keeps reporting an eviction with XXXX XXXX from XXXX, CA that is closed due in the court records as mine, owing and open. I've sent them identify theft police reports, copies of the case, all of my old driver 's licenses and proof I included it in a ch XXXX bankruptcy but they refuse to update their records so I've been denied as a tenant several times.
Product: Credit card

Submitted a XXXX XXXX payment via credit card using TD double up. Neither did moon pay nor TD disclose that this was a transaction that was cash advance related
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

XXXX5 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*Capital One is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. Capital One, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, Capital One, wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. Capital One never informed me of my right to exercise my non disclosure. 

XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
No clue why this is still on my account as its been closed. 

Department of XXXX This account was suppose to be deferred. Why isnt it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a {$250.00} loan from possible finance XX/XX/2020. In XXXX I requested an extension to my lastpayment only if it would not affect my credit. They assured me that due to Covid the company would allow an extension which I agreed to and paid off. A month later I was reported derogatory on my credit report. I filed a dispute with XXXX  and contacted the company. Possible Finance confirmed it was their error and would correct my report within 30 days. It was finally corrected, but a month later the late payment was re-reported and my score dropped again XXXX points. I filed another dispute, contacted XXXX, the BBB, and contacted the company. Again they acknowledged their error, promised a correction and sent a letter that confirms the account was never late/paid in full. My report was corrected. A month later, another alert the company has reported the same 30 day late AGAIN.
Product: Credit reporting or other personal consumer reports

as per guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX acct # XXXX, XXXX {$3000.00}, XXXX acct # XXXX, XXXX {$1400.00}, XXXX XXXX, acct XXXX XXXX, {$830.00}, XXXX acct # XXXX, XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for XXXX  XXXX ( XXXX ) and CITI ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit card or prepaid card

When I called on the back of my Macys credit card XXXX it states that I have a special event account which is false. 
In XXXX I purchased a ring for XXXX XXXX XXXX birthday my boyfriend and there was a 12 month special interest on then. Which meant that I paid it off in 12 months no interest would be charged. 
The total amount was billed on my Macys store account and when I called the above number I was told that the amount for the ring was on a special event account also.I went in person and spoke to Macys Assistant Manager in the Jewelry department at XXXX XXXX who called also and confirmed that the 12 month special event only meant that if payment was made with 12 months no interest would be charged. 
I have a witness XXXX XXXX who was with me. 
On XX/XX/XXXX when I called to check on my statement balance, I was informed that a payment for XXXX was made to a Macys special event account which has a balance of XXXX. 
On my ebill payment which was supposed to made to my Macys store account via my checking account was not made even though it had the correct Macys store account Instead this special event account which is false stated that a payment was received on XX/XX/XXXX. 
Please help me. This is wrong. 
Thank you for your time and consideration.