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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXXXXXX account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXXXXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card

In accordance with the fair credit reporting act, 15 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted regional procedures designed to ensure that each periodic statement including the information required by section 1637 be of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. My rights were violated because I did not receive such notification
Product: Debt collection

Re : Final Demand for Debt Validation Account Number/Reference Number : XXXX To Whom It May Concern, This letter serves as my final demand for proper validation of the alleged debt referenced above, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite previous requests, you have failed to provide sufficient evidence to substantiate your claim that I owe this debt.

I demand that you provide the following documentation to validate the debt : 1. Original Contract or Agreement A signed copy of the original contract or agreement between me and the original creditor that demonstrates my obligation to pay this debt.

If no contract exists, provide a detailed explanation of the basis for your claim.

2. Assignment of Debt Documentation showing that the original creditor legally assigned or transferred the debt to your agency. 
Proof that your company has legal standing to collect this debt, including the chain of title from the original creditor to your agency.

3. Full Accounting of the Debt A detailed breakdown of the alleged amount owed, including principal, interest, fees, and any other charges.

A complete payment history, including the dates and amounts of any payments made.

4. Legal Compliance Proof that the debt is within the statute of limitations.

Confirmation that you are licensed to collect debts in my state, including your license number.

If you can not provide the above information within 30 days, you are required by law to : 1. Immediately cease all collection activities, including calls, letters, or any other communication.

2. Remove any and all negative reporting related to this debt from my credit report.

Failure to comply with these demands will result in immediate action on my part, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 
Seeking legal counsel to pursue claims for violations of the FDCPA and any other applicable laws. 
Reporting your organization to the XXXX XXXX XXXX XXXX XXXX XXXX and other consumer advocacy groups. 

This is not a refusal to pay but a formal demand for validation under federal law. Any attempt to collect this debt without providing the requested documentation will be considered a violation of the FDCPA and reported accordingly. 

All future communication must be in writing and sent to my address listed above.
Product: Credit card

I got repeated pre-approved offers from synchrony Financials paypal Mastercard. 
In XXXX I opened an account. 
I paid my account every time I use it as soon as the payment posts to the account. 
On XX/XX/XXXX my credit card was closed without informing me. 
On XX/XX/XXXX I figured out this fact in an embarrassing scenario causing significant problems for us. 
I called customer service twice since then. They told me that card was closed as " the credit bureau closed it because you are high risk ''. They refused to tell me why I am high risk and what information makes me high risk. I requested for them to tell me which credit bureau was used and they refused to disclose this information as well. The customer service representatives agree that they can't find any derogatory marks or high risk but blame the credit bureaus for closing my account. I requested for them to atleast send me an adverse action letter. Eventually they sent me a letter stating that " as per my request on XX/XX/XXXX my account was closed ''. Although the account was actually closed on XX/XX/XXXX with no request from me and without informing me about it. 

Me and my wife are XXXX and earn a reasonable income that XXXX  are expected to earn. We do not have any student loans, debts or child support and our mortgage and car loans were paid off several years back. My credit score on 3 major credit bureaus is between XXXX to XXXX. I don't have any derogatory marks on my credit reports that I can see. 

Synchrony Financial is continuously refusing to tell me why I am high risk. Probably it's just because of my name or the color of my skin as they can't find anything wrong with my finances. 

The blatant violation of fair credit reporting act and disregard of laws of the land is aggregious in this case
Product: Debt collection

Contacted the company in regards to a XXXX debt that is on my credit are gone. Agency is attempting to collect a debt and I would like to settle that amount for {$500.00}. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX there was a late payment posted to my account from XXXX XXXX acc num XXXX. Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX com violated my rights. 15 USC 1681 Section 602 States I have the 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 not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX I financed a vehicle ( purchase ) thru Bank of America back In XX/XX/2005 all payments on time never missed a payment payed off in full on time. On my credit reports it reflects late payments, the worse part is its still reoccur on my credit!! My Vehicle has been pay off on time as promised there should be no reason why this is still reflecting. I've contacted them ( over the phone, via email ), on numerous occasions, I compiled with there request, I sent all documentation as requested, with at times no response whatsoever. Contact the XXXX continue to try and communicate with Bank of America with no results it seems to me that BOA has no proper division that handles these types issues and quit frankly they don't seem to care. We the consumer are stuck with no place to vent to correct theses matters, All three credit bureaus have instructed me to reach out speak to Bank of America, Simple right!? Why didnt I think of that!? ... Unfortunately there's no one that handles these situations over the phone nor email I continue to get the run around with no success. A bofa representative that try his very best to assist me basically said no one can help you here please stop with calls and emails there's nothing we can do for you. He apologize and recommend me to lawyer up. I'm not no where near able to afford an attorney, any assistance would be greatly appreciated sincerely. Below I will attach all my contact information if need. Thanks again for you time. 
XXXX XXXX XXXX XXXX XXXX
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 from my report, they are hurting to obtain credit
Product: Debt collection

three different collection notices on my credit report from consumer adjustment company. this is a debt collector that calls about a previous XXXX XXXX  membership that I had signed up for and stop paying for due to XXXX and other related issues not once did I enter my Social Security number when I signed up for my membership yeah, I have three different dings on my credit report from this company. they call they are extremely rude and threaten to get an attorney and sue me. 
XX/XX/XXXX collection, amount {$130.00} XX/XX/XXXX collection amount {$310.00} XX/XX/XXXX collection amount {$300.00} in the agreement that I signed when I signed up for this membership not once did I agree to be stuck in a 12 month membership to where if I were to cancel, it would be put on my credit. XXXX XXXX did not loan me anything therefore when I was offered to put my account on hold, and I said yes, it obviously was not put on hold because when I spoke to the company, they told me that was never there or never documented. These things need to be removed off my credit report because they are falsified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXXXXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

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 XXXXXXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS..
Product: Payday loan, title loan, or personal loan

Called a phone number I did not give them to collect a debt. 
They called my supervisors direct line and left a message to collect a debt, on XX/XX/2018, this number was never given to them which means they invaded my privacy to find it. The attached is the voicemail. 
They have called every 10 minutes while I am at work and leave 3 second  messages until my voicemail full, the messages do not say anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get credit inquiry removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that was incorrectly reported on my credit file by XXXX XXXX, the late payment was added to my account in XX/XX/year>, despite the fact that I was disputing the charge at the time, under FCRA, negative remarks shouldnt be reported on an account thats actively being disputed, the derogatory remark was improperly placed on my credit report and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX ( # XXXX ) {$320.00}, XXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX ( # XXXX ) {$470.00}, XXXX XXXX XXXX  ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Product: Debt collection

My XXXX-year-old mother contacted me via postal mail with a bill that she and my father received in the post. It was a bill from ERC collections representing XXXX XXXX/XXXX for a debt from XXXX it had all my information on it including the debt amount and the details of it. I have never given out my parents address and have not lived there since XXXX. XXXX and XXXX have always had my correct address to contact me at. I called them and advised them that they violated the law and after trying to transfer me several times to a supervisor and the office of the president they said that they could give me that number I advised them it was in their best interest that they contact me asap. ( call ended ). This is not only an embarrassment to me since I am XXXX XXXX  and my husband is XXXX XXXX XXXX ( he is a XXXX XXXX ) thankfully getting better. But my parents are very old and frail. They have violated the law.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate information reporting on my consumer file with the XXXX credit reporting agencies on XXXX separate occasions. I first reached out to XXXX.! and Experian concerning all of the accounts included in the attachments below and still they are reporting inaccurate information on XX/XX/XXXX. The bureaus investigated and updated the accounts but they were still reporting inaccurately, I reached out concerning the same accounts on XX/XX/XXXX and again, the bureaus updated the accounts but they were still reporting the same inaccurate data. I gave them benefit of the doubt and disputed a third time hoping to get resolution. 
And again they verified and updated the inaccurate accounts.

I also informed the 3 bureaus that the furnishers of the information may be an unreliable source. Its impairing my ability to qualify for equal opportunity employment. 


Name of account Date opened Balance Creditors number Time financing services XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XXXX bank XX/XX/XXXX {$XXXX} XXXX XXXX  XXXX bank XX/XX/XXXX {$XXXX} XXXX This letter serves as formal notice to immediately cease and desist all communication and collection activities and all collection activities related to any alleged debt associated with account provided above. 

I am asserting my right under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C section 1692 cc and requesting that you cease all communication with me regarding this matter except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications.

In Daugherty v. Convergent Outsourcing , Inc., 836 F3d 507 ( 5th Cir. 2016 ), the court ruled the consumers request to cease contact must be honored to avoid further violation of the FDCPA.

Any communication beyond what is permitted constitutes a breach of my rights under federal law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held reporting debt information to credit bureaus after receiving cease and desist letter violates FDCPA. XXXX that reporting debit information to credit bureaus after XXXX receiving cease and desist letter violates FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ruled that furnishing info to credit reporting agencies is considered communications under FDCPA. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( other XXXX. XXXX ), reinforces the consumers right to privacy and the obligation of debt XXXX to honor requests for cessation of contract. Ignoring this cease and desist demand will constitute harassment and a violation of the FDCPA. 

The debt is invalid, disputed or paid in full. Confirm compliance with chis cease and desist order in writing within 7 days. 

Failure to comply WILL result in legal action, including filing complaints with regulatory bodies and pursuing damages under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this May Concern, I have noticed FNB Omaha has reaged the account on my credit report. XXXX sold the debt to FNB Ohama in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to FNB Omaha but I have never made a payment to FNB Omaha and I've never signed a contract with FNB Omaha and never opened an account with FNB Omaha. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Checking or savings account

I need the funds returned back to me that I have in my SoLo account along with loans that have not been paid back yet. I have talked to numerous representatives who all say they will escalate the issue. I have done everything they have said such as changing bank information, verifying that it is correct, uninstalling and reinstalling the app, along with making smaller withdrawals. Also, I have XXXX loans that I've funded and they are all delinquent. Hard to believe that is the case. I believe that this company is running fraudulent practices and needs to be investigated as they have in the past.
Product: Debt collection

XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I  contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX data breach and recently they were sued by the CFPB. I went to the company website and verified if i was affected by this XXXX XXXX and i was.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to XXXX  proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX Correct name : XXXX XXXX
Product: Mortgage

I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.
Product: Credit reporting or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX XXXX Tx XXXX