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 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 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 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 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 HAS 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 section 2 : It also states that a consumer reporting agency can not furnish na account without my written instructions. 
15 U.S.C 168c. ( a ) ( 5 ) Section states : No consumer reporting agency nay make any consumer report containing any kind 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. 
18 U.S.C. 1681.s-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: Checking or savings account

The account was in my Mother 's name, and my name as co-owner of the account, as well as me being the Power of Attorney. After my Mother passed away, Truist Bank allowed XXXX XXXX XXXX XXXX to take my name off the account without notification or approval. XXXX XXXX was then allowed by Truist Bank to withdraw all of the funds in the account, including XXXX XXXX relief checks that they were not entitled to, and a Retirement check which was claimed by XXXX XXXX  under suspicious charges for service. XXXX XXXX was then given the authority by Truist Bank to close the account. I was never notified of this until I needed to retrieve the funds from the account in XXXX, and was told there was no account. The agent from Truist Bank who assisted me was able to locate the account by my XXXX XXXX XXXX  and the above information was also confirmed. 
Truist Bank contact is as follows : Truist Bank 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit card

I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?
Product: Debt collection

I just paid for a copy of my credit reports and reviewed my credit file as being reported to Source Receivables MNG debt collection agency on behalf of XXXX. I was advise my XXXX representative that this debt collection agency will no longer report this account on my credit report moving forward. Please see the attached verified documents showing the payments made to XXXX to close out of this accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
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 : # XX/XX/XXXX credit name :XX/XX/XXXXXXXX XX/XX/XXXX, Account name : XX/XX/XXXX, Account name : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Account name : XX/XX/XXXX XXXX, Account name : XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX, Account name : XX/XX/XXXX, account name : XX/XX/XXXX account name : XX/XX/XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX account name : XX/XX/XXXXXXXX OF XXXX, account name XXXX XXXX XXXX, account name : XXXX,, has 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, states a consumer reporting agency can not furnish an account without my written furnish an account with 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 and crimes which antedates the report by 7 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 Consumer Notification of Adverse Actions ( 15 U.S.C. 1681m ) : - If a consumer is denied credit based on information in their credit report, they have the right to be informed of the adverse action taken and provided with the name of the CRA that supplied the report.

Limitations on Reporting Time ( 15 U.S.C. 1681c ) : - Certain negative information ( e.g., bankruptcies ) can only remain on a credit report for a specific period, limiting the length of time that adverse information can impact a consumer 's credit history.

Right to Recover Damages : - Consumers have the right to seek damages for violations of the FCRA, including actual damages, punitive damages and, attorneys fees if their rights under the Act have been violated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late paymen
ts after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected. 

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.
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. 


FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 reporting or other personal consumer reports

I enrolled in a payment program offered by XXXX XXXX to bring my XXXX XXXX current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of XXXX payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get verification from Credit acceptance corporation and all 3 credit bureaus about this fraudulent account that is reported on my credit reports and have yet to receive any response back!
Product: Debt collection

My situation is in regards to National Recoveries withholding the tax returns belonging to my parents and myself. My parents file taxes jointly but separate from myself. 

This withholding is reportedly for debt owed to the dept. of education ( $ XXXX ) for which my parents were co-signers of loan of origin. This debt has already been paid to completion in good faith through a mixture of monthly payments and multiple past years of tax withholding which in excess of the amount of the debt owed. The completion of these payments is reflected clearly on my credit report and with the financial aid department of the original university. For the years XXXX and XXXX, my tax return was withheld in an attempt to service the " debt. '' Receipts of completion of payment provided to National Recoveries ( XXXX ). Additionally, no prior notice was ever delivered to either household in regards to this withholding which is suggested by federal guidance. Therefore there was no opportunity to contest the withholding and present evidence. Other than this debt, neither of our households have shared any other expenses for over a decade. The IRS does not assist in these affairs. I am having great difficulty in resolving this matter and am considering legal representation.
Product: Credit reporting or other personal consumer reports

On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All XXXX bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXXl XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.
Product: Student loan

I informed them I had become XXXX. I have asked for, and sent all documentation that Social Security has provided me. I qualify for student loan debt forgiveness due to just my XXXX, not counting current new conditions. They say they work for the Government, yet they can not look up my name nor Social Security Number and speak to THEIR colleagues about how to do THEIR JOB! It states it in black and white on the walls.They keep stating that Social Security and DCF are not providing them with the information they need to make the determination. Everything we send they state it isn't good enough.If they work for The US Department of Education, then why don't they deal with each other and leave me alone?
Product: Debt collection

Was never contacted until after the supposed debt was on my credit, never made aware and was not able to dispute until it came up on my report. Not allowing me to for one verify the debt, but also dispute the debt. During the years of XXXX I was not XXXX XXXX, insufficiency to strive, but with record of my report over the last two years I pay what I owe.
Product: Checking or savings account

My card was stolen after I made a purchase at a local package store on XXXX XXXX. 3 hrs later I saw all of these charges on my card and immediately alerted Chime Bank. They cancelled my cards and sent new ones. I filed police reports, sent screenshots of what I was talking about and did everything that Chime asked me to do to " prove that it wasn't me using the card '' to no avail. Four months later and they won't refund my money and they will not give me specific reasons that my disputes were not accepted and they won't advise me what I can do to get it approved. I was hustled twice. Spoke with managers and still nothing. They agree that {$370.00} in small purchases at convenience stores that I have never shopped at and sending XXXX  funds to someone on a card that I have never used XXXX  on are all signs that my card was stolen but they refuse to make me whole. I have disputed their " investigation '' twice now and all that has changed is that it is four months later.
Product: Debt collection

I paid on my debt to stop the harassing calls buts they continue. Today they called 7 times in which one of those times they left a message then called a couple times after.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. Carrington mortgage STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Product: Debt collection

I received a statement dated XX/XX/XXXX from a debt collector Patient Accounts Bureau trying to collect a payment for an alleged service my son XXXX XXXX received on XX/XX/XXXX. I thought this was odd since this was a month after my son was born and I had not received any bills prior to this one. I called the number on the statement that says " speak to live agent XXXX '' on XX/XX/XXXX. A man answered the phone and asked how he could help. I told him about the statement and how i had not received any others prior to this one and wanted more information. He then said " for your son XXXX ''. I then said how did you know my sons name if I did not give you any of my information ''. He said " I will need your address and more information to verify your account. I told him I was not giving him any information until he told me how he knew my sons name. He said " Ma'am you do not want to be helped so you will need to call back when you are ready. '' He then hung up on me. I am concerned that my sons information has been stolen. I received a letter a month ago that one of my sons health providers had been hacked and it advised me to be careful with fraudulent bills and debt collectors. I will attach the statement to this complaint. Thank you.