23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX box XXXX XX/XX/XXXX XXXX. XXXX, XXXX box XXXX, XXXX, TX XXXX. RE : One Main Account To whom this may concern, this is my second attempt to resolve a matter regarding the above account, The above alleged creditor failed to verify the debt therefore the IRS was informed, and the debt was discharged. I have previously sent in my XXXX which was approved by the IRS on XX/XX/XXXX. You are currently violating several FCRA violations, and United States Code Violations. 15USC 1681s-3 states the term CONSUMER REPORTS does not include transactions or experiences between the consumer and the person making the report. By publishing a balance on a charged off account is considered domestic, and international money laundering, under US code section XXXX. Lastly, you are violating my privacy under the US privacy act XXXX. Please DELETE this account within XXXX business days upon receipt of this transaction. ONE MAIN account # XXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXSELFLNDR # XXXX has violated my rights 15.U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without written instruction.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Refusal to Update Personal Information and Denial of Access to Consumer Report Dear Equifax I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ).

Personal Information Update Refusal On XX/XX/2024, I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied.

Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing.

Denial of Access to Consumer Report Furthermore, on XX/XX/2024, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
Product: Credit card

Capital Ones features for payment are the issue I am referring to. Many credit card company 's offer an autopay feature which automatically pays your outstanding balance at the end of a month. This feature is very helpful as making the payment is not the problem for me, my only concern would be remembering to set the payment to ensure my credit is not impacted. 

Capital One has this feature, but with some deceptive adaptations. They do not have a setting to pay your balance in full. Only to pay the minimum payment or your last month 's statement value. This is not helpful as your monthly expenses vary from month to month. This is problematic as if you choose the only other option, other than a {$25.00} minimum payment to avoid late fees, it's just your last month 's balance which could end up leaving you with a balance for the month, which I believe is their intention. 

This is not a complex feature to add ( coming from someone who has worked around payments in the finance industry ) and Capital One not providing the option is because it is lucrative to not have it.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX XXXX ] Consumer DOB : [ XXXX ] Consumer SSN : [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX SERV XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$590.00} A XXXX XXXX XXXX XXXX  {$280.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates

15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says (
1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX XXXX on XXXXXXXX XXXXXXXX. They listed several credit reporting companies. On XX/XX/year>, I wrote each company asking for a copy of my credit report. 
XXXX XXXX will not send me a complete copy of my credit report. They send a URL link that does not work. I want a printed paper copy of my report. 
they keep sending form letters. 

Please make them send me a copy of my credit report.
Product: Debt collection

Both the amount and manner of the communications was inappropriate. The caller misrepresented the rules governing our agreement and the tone bordered on threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has clearly allowed several violation permitted by XXXX XXXX XXXX This account his been reported several times as a fraudulent account and his been request immediately to be remove and blocked from my public records under 15 U.S.C. 1681c-2 ( not later than 4 business days of this notice ) police report, valid driver license, insurance proof of residence has been provided as well This account has not been verified correctly by transunion, this account is not a collection I dont owe this collector anytime. this account has not produced any written signed agreement by me/ or any valid information with my written signature attached to any form. Address is incorrect by this company,, email by this company is incorrect, name is not present on any original documentation sign with written signature is not present or hasnt been provided as I have requested to see this information shown how this was verified by transunion and where this information is coming from which they havent provide within 30 day time period has expired. my FCRA rights has been violated and negligent poor investigation by transunion has damaged my credit file I have no debt obligation with this company, I have no written signed agreement with this company, which know this account is I seek of litigation due to these violation, Also I have not supplied under the doctrine of estoppel by silence Engelhardt v Gravens mo 281 SW 715719 there is no proof of there alleged debt, therefore any such debt, in fact therefore any debt that ever exist with this account or any signed contract pertaining me owning an alleged debt Im protect to disputed this fraud account under - 15 U.S.C 1692 g section ( c ) XXXX XXXX XXXX is in violation of several Of my FCRA rights 15 U.S.C. 1692 c section ( b ) Transunion is in violation of my FCRA right 15 U.S.C. 1681 c-2 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy Remove this account by the name of XXXX XXXX XXXX immediately from public record I dont identify with this company and block as instructed due to several violation under my FCRA rights immediately the 30 day period has expired and this company hasnt produced any factual information. This company has violated several of my rights as shown. 

REMOVE THESE Account IMMEDIATELY!!! 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX was given the CDC notice in XX/XX/2020 and they are still trying to collect from me even though I am not working and have CDC protection.
Product: Credit reporting or other personal consumer reports

2024 credit collection I had no knowledge of was disputed and was not properly investigated which was subsequently denied and remained on my credit report
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of considerable XXXX for me. I'm gravely concerned about how it may affect my credit standing. This issue has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has inflicted upon me, which will persist until the matter is resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX XXXX proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX XXXX XXXX, and TransUnion . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness.

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion.

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices.

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America has being reporting my account as " CLOSED BY GRANTOR : >UNPAID BALANCE CHARGED OFF< '' but the reporting is incorrect since I have being discharged by Chapter & Bankrupcy on XX/XX/XXXX and all by debt has being paid/remove from the discharge by UNITED STATES BANKRUPTCY COURT : SOUTHERN DISTRICT OF FLORIDA, CASE NUMBER : XXXX. 
In attach is the copy of XXXX  credit report, XXXX  credit report and XXXX  Credit report and also a letter from Bank Of America where they said the reporting has being acurated, also is attach the bankruptcy paperwork where we are discharged of any debt as of XX/XX/XXXX. 
I would like to have BANK OF AMERICA to do the correct reporting, or I will seek legal compensation for this error on a federal court
Product: Student loan

I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. 

I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.
Product: Credit card or prepaid card

There was fraudulent charges made on my Navy Federal Credit Union credit card that was opened on XXXX XXXX due to identity theft by adding themselves as an authorized user and they charged up XXXX and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.
Product: Credit reporting, credit repair services, 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 : Bankruptcy XXXX XXXXXXXXdischarged reference number 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 : It aiso 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.