23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been unfairly & horribly treated By BoA over the past year they have banning and restrict me closing accounts one by one for some unknown made up Business Decision super odd out of the blue I have all my house car phone bills attached to these accounts and to just oh lets mess with him again and close restrict access is Absurd and straight up mean I have done both and have been with BOA over XXXX years Got my first credit with you guys and to be treated this way is something else I received this email which I never requested to disable and I call and they cant provide no information just was a business decision out of the blue no letter no email no call nothing just oh we can do that anytime. This is going to take a huge toll cant believe it
Product: Debt collection

I am writing to file a complaint against XXXX. XXXX, XXXX, located at XXXX XXXX, MN XXXX, contactable at ( XXXX ) XXXX, regarding their egregious handling of debt collection and credit reporting practices which violate both Maryland state law and federal debt collection regulations.

Nature of the Complaint : Lack of Notice : I was never notified about the debt in question, which pertains to services provided in XX/XX/2020. Had I received proper notification, I would have promptly disputed the debt. This lack of notice is a direct violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

Statute of Limitations Exceeded : Maryland law clearly stipulates a three-year statute of limitations for debt collection and reporting to credit agencies. The services in question were completed over XXXX years ago, in XX/XX/2020, making any current collection attempts or credit reporting by I.C. System, Inc. beyond the legal timeframe and thus unlawful.

Credit Reporting Violations : Despite the statute of limitations having expired, I.C. System, Inc. has inappropriately reported this debt to credit agencies, adversely affecting my credit score. This action not only violates Maryland state law but also the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. 

Threat and Harassment : The company 's failure to adhere to legal standards has forced me into a position where I am considering legal action to resolve this issue. This situation has caused unnecessary stress and potential financial harm due to the impact on my credit.

Requested Action : I request that the CFPB investigate this matter with I.C. System, Inc. to ensure they cease all collection activities and rectify the harm done to my credit report immediately.

I also seek the removal of any inaccurate or outdated information reported by I.C. System , Inc. to credit bureaus.

Finally, I urge the CFPB to enforce appropriate penalties for the violations of consumer protection laws.

Please note, if this matter is not resolved promptly, I will proceed with legal action through my attorney, as I believe I.C. System, Inc. has no legal standing in this case
Product: Debt collection

According to my credit report Khols/CapOne is reporting an alledge debt of {$250.00}. I have contacted via mail for any information to validate the reported account and have never been contacted. Also this account is over 7 years dated from the reported last payment which again i don't even know what this account is and to my knowledge is NOT mine. I have never entered into any contract written or otherwise with this company and am requesting any/all documents that would specify anything supporting I owe this debt.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last XXXX days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX IN XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX CRE XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

Im being harassed. Im never late on my loan. Never been 1 month late yet I seem to get threatened every month that they are going to repo my car today. It shows on my credit report Ive never been late. They call me every day almost. Plus they harass my coworker on her personal line since I used her as a reference and call my mother and tell her my loan information. She has a XXXX  problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate/ incomplete information that the creditor is reporting on my credit reports through the credit reporting agencies and directly with them by citified mail. American express stated they did a complete investigation and updated my report but the updated information being reported is still false and incomplete. This account is to old to be reporting any negative information on my credit reports and is past the statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

HI my name is XXXX XXXX and i been disputing lvnv funding adn XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts fro my report they are hurting my ability to obtaon credit. thanks
Product: Mortgage

I have successfully completed the trial payments during the FHA loan modification, this is post bankruptcy modification. I successfully submitted my notorized documents, all were verified. My payments have been consistent & not late. The company is failing to disclose the exact details on a ledger of where the funds were derived & where the funds are going as payment. The dates of a ledger do not match up to the dates of insurance or taxes. The dates even demonstrate duplicate transactions without any plus or minus in the columns or with a balance to figure or calculate. I was recently billed additional amount that was not listed in the documents signed prior to modification or in the execution of the new claim or mortgage. This fee fails to carry any invoice to disclose its nature or reason. That is a consumer violation also. My executed documents have not been delivered to my address. The agreement contract allows me the owner to have copies of the filed documents. The XXXX County recorder stated Carrington submitted electronic filing XX/XX/2020 but I the homeowner do not have the promised copies to this executed modification. Please look into this matter. It is also a consumer law violation. Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Account Type : Collection Balance : {$280.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations.

Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated. 
As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC has violated my rights as a federal protected consumer under the Gramm-Leach-Bliley Act. LVNV FUNDING LLC has taken my PRIVATE/ Nonpublic Personal Information and has made it PUBLIC and I as the consumer had no knowledge that they were releasing my Private / Nonpublic business matters Publicly. LVNV FUNDING LLC has unauthorized disclosed of my Private/ Nonpublic Personal Information such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, the status of Account which describes as a Collection of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The listing of this Unauthorized Disclosure Of Private/ Nonpublic Personal Information without giving me the consumer the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party has resulted in a chain of damages against my XXXX score which also has resulted in denial of opening new lines of credit, and/or opening new property leasing Agreements due to derogatory comments and/or listing such as but not limited to : Name, Social Security Number ( SSN ), Address, Date of birth, Payment history, Late payments, Balance amount, Account number, Date opened, The status of Account which describes as a Collection Of Bad Debt, and Original Creditor Name to nonaffiliated third parties such as but not limited to : XXXX XXXX XXXX, XXXX XXXX and XXXX. 
According to 15 U.S. Code 6802 ( b ) ( A ) LVNV FUNDING LLC NEVER clearly and conspicuously disclosed to the me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) LVNV FUNDING LLC NEVER gave Me the consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) LVNV FUNDING LLC NEVER gave Me the consumer an explanation of how the consumer can exercise that nondisclosure option!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate items from my credit report and the credit bureaus haven't answered me
Product: Payday loan, title loan, or personal loan

According to my consumer report I received dated XX/XX/2022, I noticed TWO discrepancies in the way you are furnishing my information. If you have not been made aware, there are various federal laws in place to protect me as a consumer and to construct this consumer credit transaction. As a gentle reminder, you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). 

According to 15 USC 1666 ( B ) if you adopted such reasonable procedures your company is required to mail or deliver a span of documents ( negative information notice ) no later than 21 days before the payment due date. As of today, XX/XX/2022, I have not received such documents that would allow your company to display TWO late payments to my consumer report. If your company has sent me such documents please provide documentary evidence that you did such as a tracking number and a wet signature from a return receipt that you sent to me. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listing you have listed on my consumer report. As I, XXXX XXXX have contacted Self Lender, the corresponding information should not be listed on my consumer report. This account should PROMPTLY be updated as ON TIME.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving myaccount vulnerable and unprotected. Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act would like to state that EQUIFAX Is in violation of my rights and 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft EQUIFAX is also in violation of my rights to privacy in accordance with 15 U.S.C. 1681 Section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to PRIVACY. 

IN ACCORDANCE WITH THE FCRA. THE FOLLOWING ACCOUNTS FURNISHED ON MY CREDIT REPORT ARE IN VIOLATION OF MY RIGHTS : XXXX ACCOUNT XXXX : XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/2021 XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX # : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX Have 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 agency can not furnish a account without my written instructions
Product: Debt collection

I do not own this account from XXXX  XXXX with a balance of {$290.00} opened in XX/XX/year> I have submitted to the credit bureaus and they have failed to remove from my credit file
Product: Credit reporting or other personal consumer reports

i notice some items on my credit report that wasn't mine and i filed an identity theft report on XXXX XXXX and sent it certified mail to all 3 CRA 's, they received it on XXXX XXXX and the information was supposed to be blocked and deleted within 4 business days of the receipt.It is XXXX XXXX and nothing has happen as of yet. they have violated 15 usc 1681c-2 and i request the information from all 3 CRA 's be deleted at once before i turn this matter over to my attorney to sue.
Product: Debt collection

I am insured thru XXXX. In XXXX XXXX had reported 4 debts to Southern Oregon Credit Services. This was then reported to XXXX and XXXX which I had no knowledge of until last year XXXX. I became a member if XXXX XXXX and had noticed these debts on my report. I disputed all of them I believe 3 times. XXXX did remove the debt from my credit XX/XX/XXXX. XXXX however did not. I contacted Southern Oregon Credit Services and they told me they could not do anything until I speak to XXXX which I did and they also said they could not do anything and that I needed to contact my insurance. On XX/XX/XXXX I contacted XXXX and spoke to XXXX. She had informed me those debts were not owed at all by me as a matter of fact one had been paid and the others had preauthorizations. She put me on hold while she contacted XXXX. She got back on the line to let me know she had been on the line with XXXX. She told me XXXX had researched my account and had admitted they had overlooked everything. She then added XXXX to the call and XXXX informed me they had made a mistake and overlooked the authorizations and payment. She did not apologize however she did say she would contact me later that day after she speaks to Southern Oregon Credit Services. She never called me. On XX/XX/XXXX I contacted her. She informed me all debt is being removed from my credit as we speak. I asked her what kind of compensation I will be receiving considering this was their fault my credit had these negative marks for 3 years on not one but two credit bureaus. She became very rude and told me there will be no compensation and that I should be happy with the results. I then hung up on her. To this day those items still remain on my credit. The amounts are {$1000.00}, {$350.00}, {$220.00}, and {$77.00}. All are XXXX.