23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Recovery Systems placed a collection on my XXXX  credit report. I never received any written notification or phone calls from them about a debt owed. It is also a debt that does not belong to me. When I called them they were verbally abusive and said I would have to pay the debt to have it removed and they did not have to prove it or notify me of any information regarding it.
Product: Student loan

I am a co-signer and I have tried in conjunction with the borrower to have my name removed from a loan I co-signed for XXXX XXXX. The first information we received from Navient was that if 12 consecutive on-time payments were received, we could apply to have my name removed. After that was done, we called back and were told that the following criteria needed to be met : 1 ) finish school ( he graduated in XX/XX/XXXX ) ; 2 ) 12 on-time payments ( done - in fact, has not had 1 late payment since XX/XX/XXXX - 47 on-time payments ) ; 3 ) Be a US citizen - he is a XXXX XXXX  ; 4 ) Be age of majority - he is XXXX years old ; 4 ) run a credit check - not a problem but has been told I can not be released because of a foreclosure on a house in XX/XX/XXXX. I can not understand why a 6 year old foreclosure would preclude the ability to have my name removed as a co-signer since XXXX XXXX has met all the above requirements and has worked at a steady job as an XXXX ( in his field ) for over 4 years. I am asking for help in releasing my name as a co-signer since XXXX XXXX is in a position to repay the loan, has made on-time payments for 4 years, and has a steady income that is twice as much as I make. I do n't understand why a foreclosure that is 6 years old ( that happened when the housing market fell in XXXX XXXX ) should be used against us for as long as it has. I have asked for information and am told since I am a co-signer that I can not help myself and have no rights in the matter. Please help - someone should not have their credit held up by a company when the borrower has the means to repay and has shown good faith that they are making their payments on time. I have read that Navient has a history of not releasing co-signers and since they are not willing to work with us, I am filing a formal complaint for some relief. Thank you for your time.
Product: Credit reporting

I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX
Product: Checking or savings account

I have been trying to link my bank account to my XXXX XXXX  witch it does not allow me to do so, an say that my bank ( PNC ) has made changes not allowing it to be linked.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the XXXX XXXX XXXX XXXXh, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
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 XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Opt-Out Request. 





XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/23 XXXX ) Original XXXX : XXXX XXXX XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) XXXX  XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form.

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies.

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information.

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future.

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer.

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, my Amazon Store Card ending in **** was hacked, and fraudulent purchases never made or authorized by me, in the amount of {$XX/XX/XXXX}, were charged to my account. I received notifications from Amazon that these items -- including cubit zirconium wedding rings, baseball caps, gardening supplies and kitchen supplies -- were being shipped XXXX on XX/XX/2019 ) and delivered to my address. None of these items, however, was ever received by me, except for one small, light package ( which I assume was the wedding rings ), which I returned to sender, unopened. 

Numerous attempts have been made with the credit card company, Synchony Bank, to resolve this issue -- but to no avail. Several times the charges have been removed from my account -- only to be put back once again after Synchony denied my claim. I have provided to Synchony all of the documentation I have. ( I will provide all of this documentation to you as well, along with this complaint. ) I don't know what else to do, and so I am reaching out to the CFPB in the hopes that you can help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
Product: Prepaid card

I for 3 years have been disputing XXXX of unauthorized transactions made by someone who stole my debit card numbers and made unauthorized purchases. I do not know this person. I did not give anyone permission to use my card. No one had my card because I freely gave it to them. This is my 3rd attempt to complain and have my funds returned here. Both other complaints remain open. BOA received a copy of my complaints here as well as a police report for the charges. They are a no fault for unauthorized charges bank. It's in their card holder policy. There is no security feature on the XXXX unemployment cards only yet their regular bankers get one. Then they want to allow this to happen and literally rob out of work Californians it's insane. I'm begging for a resolve and I won't give up.
Product: Debt collection

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with First Credit Services or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I contacted every company that did an unauthorized hard inquiry on my credit reports XXXX, Transunion and XXXX. Each one of them said that i need to contact the credit bureaus and dispute the information. I did opened a dispute with XXXX, XXXX, Transunion more than a month ago and the unauthorized information is still showing on my report as of today XX/XX/year>. 


Also a XXXX  collection account has been reporting on my XXXX  credit file more than 7 years violating the terms of the fair credit reporting act.
Product: Credit card or prepaid card

Discover credit card, wouldn't understand the death of a family member on XX/XX/XXXX, because of XXXX about what this bank put XXXX XXXX thru, last 5 years I'm his cousin XXXX XXXX and was told. We in the family can not and I'll repeat again " we can not not pay off his scam account off of XXXX I'm not repeating this again in 2023 to any bank or business
Product: Credit reporting, credit repair services, or other personal consumer reports

im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with XXXX XXXX. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
Product: Debt collection

My debt comes from XXXX XXXX XXXX, whe treatment was made, afeter billing we maded an agreement for payment with automaticalyy withdrawn after few payments, the next call was from a collection agency XXXX XXXX XXXX XXXX, i had never was informed my account was passed tothis company since i never refused paying, finally we went into a new agreement after huricane XXXX, i was going tostar paying on XXXX 2018 {$140.00}, oo, after that i received a letter from a new collection agency Capio which hads very rude personal, and very bad tactics of collecting and manners not to good since i never made any negociations or signed any type of documents for this companies to had the rights on my account
Product: Debt collection

I have received numerous calls to my phone number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, in which they are trying to reach XXXX XXXX. I have told them to stop calling me and to remove me from their calling list. Previous times I have been called has been on XX/XX/XXXX and on the XX/XX/XXXX I  returned that call and advised the male agent to stop calling me. During the last call that I returned to them on XX/XX/XXXX at XXXX XXXX EST I advised the agent to stop calling me or I will file a complaint with the CFPB. She said go right ahead and that " collections '' will continue. She never identified me of right party contact. I am not XXXX XXXX spouse I am his sister in law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I filed a dispute with experian to investigate inaccurate information reporting and harming my credit report with multiple accounts. Experian updated all accounts with new incorrect information such as dates open, or last reported date. I filed another dispute XXXX XXXX XXXX asking experian to reinvestigate nothing happened again but updated incorrect information.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX BANK XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX BANK XXXX XXXX XXXX ; {$690.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Target has been reporting charge offs to an account each month for over two years, Target is reporting two separate accounts when I only had one, Target has my account as open and closed, Target has my account as having no balance and having a balance. This has been happening since 2019. Last time I complained enough they " updated '' my information by means of switching the years in which my account has had monthly charge offs for years. Despite numerous attempts to rectify the situation, the persistence of fraudulent negative information violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 that are reported 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. 


XXXX XXXX, XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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