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. 

Account Name : 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 and list of Inquiries. 

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: Prepaid card

I received XXXX American Express XXXX cards as a bonus and have tried to use them on a number of occasions without success. The merchant tells me the card was declined by the bank and American Express confirms that the cards each still have the {$500.00} balance. I tried calling American Express again after trying to use XXXX of the cards today. They were no help, only a recording that started to direct me to a website and then was disconnected. I am an American Express XXXX cardholder and tried to engage them - without success as they have nothing to do with the gift card portion of their business.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a XXXX  of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of human traffi cking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Equifax. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my regards with zelle and handling disputes they have significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution failed to investigate my claims adequately. They informed me that recovering loss funds was impossible in tracking the transactions leaving me and other users vulnerable to scams
Product: Debt collection

I started a lease for a XXXX XXXX on XX/XX/XXXX in a dealership called XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. That same day I started the lease with XXXX, I left my XXXX XXXX at the dealership. XXXX XXXX was my salesman, he called XXXX XXXX XXXX to find out the amount I owed for the remainder of the Lease for the XXXX XXXX. The amount was {$3200.00} which shows on the contract. A check was to be sent to us for that amount so we would pay XXXX XXXX XXXX since that amount was being included in the new lease loan with XXXX. We received the check on XX/XX/XXXX, I sent the payment to XXXX XXXX XXXX on XX/XX/XXXX through ACH. When it was time to pick up the plates for the XXXX we got a call from XXXX and he was no longer working at XXXX XXXX XXXX because the location was closed down, he was at XXXX XXXX XXXX, XXXX NJ where I picked up my plates. A few months down the line we received a call from XXXX asking us where was the XXXX XXXX because they did n't have the car. We left the car at XXXX XXXX XXXX and because it was closed down nobody from XXXX knew where all the cars from that dealership where located. Even though I did n't have the car and I did n't know why I was being asked about the car I was nice enough to give all the info of people I dealt with for the new lease, I sent over by fax my contract and paperwork stating that I paid the remaining of the lease. The car was left there. XXXX said they would investigate. A few other months down the line we go a call again and once again I explained everything and sent all the paper work via email. We even had a guy looking around my house to try and find the car, he spoke to my wife and left a notice when I called the guy he said he was looking for the XXXX XXXX. I was very upset, because I never had to go through this, people coming to my house thinking I stole a vehicle when we did a swap ending one lease to start another. This is not the first time I do this and I never had a problem. All I know after 2 years I get a letter from a debtor trying to collect {$12000.00} for a car I do not have. For a car that is sitting somewhere God knows where. A car that by now if XXXX had reported to the police as stolen, the cops would of found it sitting at a lot somewhere. Because most likely the car is in a lot where they keep cars from dealerships. That is the only reasonable explanation for the car not be found yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably.

In accordance with the fair credit reporting act Bank of America account # XXXX has 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 that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX XXXX : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Mortgage

I am writing to amend complaint XXXX, which I originally sent to the White House, which forwarded the complain to your agency, the CFPB. 
I am writing to amend the complaint as follows : 1. I want a modification of the loan from {$3700.00} per month to {$2600.00} per month. I submitted multiple requests for modification over the past 5 years. These modification requests were under HAMP, or the other modification programs. These were denied improperly. I want a modification. This is a a first time modification. 
2. Truth in Lending Act. I want an investigation of the mortgage under the Truth in Lending Act, since inception. I believe that the loan has problems under the Truth in Lending Act. 
3. Americans with XXXX XXXX. You already have my complaint under the Americans with XXXX XXXX. These XXXX issues compounded my problems under the Modification process, and Truth in Lending Act, above. 
Time is of the essence. I will call and write to add information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I transferred {$40.00} to my relative in XXXX. She was unable to cash the money due to a minor error on her ID card so I was compelled to cancel as Western Union refused to fix it. I demanded refund. I was told it would take XXXX business days for the money to reach my bank. After 7 business days I did not see the money in my account. When I contacted Western Union, I was told to check with my bank which I did. My bank denied receiving the money. I also cancelled a transfer I made on XX/XX/2020 also to the same receiver in the amount of $ XXXXPlease find below details of the transactions : XXXX/XXXX/2020. Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX XX/XX/2020 Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Product: Credit reporting

On or just before XXXX/XXXX/2015 after reviewing my credit report on XXXX I disputed a judgement that was filed in error by the Georgia XXXX XXXX XXXX at the XXXX County Superior Court with Transunion. I reported to them that the information never went to judgement and was filed in error. However, after receiving my dispute letter they stated the item I dispute is frivolous and they will not reinvestigated unless I had court papers or a authentic letter that explains what information should be updated. On XXXX/XXXX/2015, I called and spoke to a representative who stated they would take this information off of my credit report unless I provided documentation of this being placed on my report in error. I then explained to her that the Ga XXXX specifically states on their website that they do not report to credit agencies and they will not provide information to them. Therefore based on these facts I ca n't get them to remove this incorrect information from my credit report. I also explained to the person I spoke with at Transunion and told her that I have a copy of my email correspondence with the auditor at the Ga XXXX which specifically states that the lein was filed in error and I was told that they would not investigate unless I get the information from the state Of Georgia which they will not get involved in.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCPA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer! Same for Equifax as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is about the credit scoring matrix of XXXX. I am always penalized egregiously by this credit agency for minor problems with my credit reports. For instance, just recently ( XX/XX/2023 ) my credit score was reduced from XXXX to XXXX due to XXXX late report of payment by my Discover card. This report was incorrect because I had worked out a payment plan with Discover to bring this one missed payment to immediate resolution. This XXXX incident caused my credit report to drop XXXX points! This reduction is outrageous and clearly beyond the scope of this agency 's role according to the rule of law that governs this scoring matrix. Please check this agency 's treatment of my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a {$2000.00} balance account number XXXX i do not owe this company any money. balance is o. and they are only reporting this account to experian only.
Product: Payday loan, title loan, or personal loan

XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed accounts that appear to be fraudulent. I have attached a copy of my identity theft report below
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports i have noticed some accounts i am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find the attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy in XX/XX/XXXX which was eventually dismissed ; auto loan company has not reported payment history since then even though they were notified that the bankruptcy had been dismissed. Approximately XX/XX/XXXX Bridgecrest Acceptance Corporation provided a " Letter of Credit '' via email in lieu of reporting the open tradeline. The company indicated that the account was paid " 1 time 30 days late ''. On XX/XX/XXXX I received a hard copy letter that indicated the account was paid " 4 times 30 days late ''. I have sent written correspondence via email to have this corrected ; I have received no response to date with regard to that matter. However, the company still continues to make repeated, harassing calls several times of day, 4-5 messages and are relentless with requesting payment. I would like for the company to report ACCURATE information, as it is clear that their record keeping is egregious.