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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : CFPB DISPUTE FOR MULTIPLE VIOLATIONS OF NOTICE OF OBLIGATION REASSIGNMENT, OPT-OUT NOTICES, AND CEASE AND DESIST REQUESTS** Dear XXXX XXXX, I am writing to dispute the accuracy and legality of information on my credit report related to the reporting activities of XXXX XXXX. I have issued XXXX XXXX more than three notices of obligation reassignment, more than three notices of an opt-out under 15 U.S. Code 6802, and multiple cease and desist requests as allowed by the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX **Violations : ** 1. **Notice of Obligation Reassignment : ** I have issued XXXX XXXX more than three notices of obligation reassignment in accordance with the card agreement, signaling a transfer of responsibility. Failure to acknowledge and comply with this notice constitutes a violation of my rights under the FCRA. 

2. **Opt-Out Notices : ** I have provided XXXX XXXX with more than three notices of opt-out under 15 U.S. Code 6802, covering both written and unwritten, verbal and non-verbal authorizations. The repeated issuance of these notices should have resulted in a cessation of reporting my nonpublic personal information. Continued reporting in violation of these notices is a clear infringement of my rights. 

3. **Cease and Desist Notices : ** I have issued XXXX XXXX multiple notices to cease and desist, indicating my explicit directive to stop any activities that violate my rights under the FCRA XXXX Failure to comply with these cease and desist notices is a willful noncompliance and subject to civil liability under 15 U.S. Code 1681n.

**Legal Basis : ** These disputes are grounded in the FCRA , specifically under 15 U.S. Code 6801 and 15 U.S. Code 1681n. XXXX XXXX has willfully failed to comply with my repeated notices and has not respected its obligation to protect the security and confidentiality of my nonpublic personal information. 

**Requested Actions : ** I am formally requesting the immediate removal of the reported accounts from XXXX XXXX on my credit report due to the sustained and unreasonable damages resulting from their continued reporting activities in violation of my rights. 

**Remedies Requested : ** I request the following remedies : 1. Complete removal of the reported accounts from XXXX XXXX on my credit report. 
2. Compensation for damages sustained, as authorized by 15 U.S. Code 1681n, including actual damages, punitive damages, and reasonable attorneys fees.

Your prompt attention to this matter is crucial. Please conduct a thorough investigation into these disputes and provide a written response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Prepaid card

I got this {$100.00} XXXX gift card yesterday and when I tried using it today it said it was declined. When I checked the balance on it said it only had XXXX and that someone took out {$99.00} out the account. When I tried calling the number on the card I would get asked security questions like my zip code but whomever took money out my account set questions so I can't get in. When that didn't work I contacted XXXX and I would be transformed then couple minutes of being in hold, it would hang.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate account is reporting under my XXXX   and equifax credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, Experian has an obligation to publish valid information. After an investigation on my credit report, they have Verified the below accounts as valid/true. According to dates reported, amounts owed, payments, there are inconsistencies present. In 15USC 1681a in the fair credit reporting act, I am a real and natural person. I am entitled to fair reporting. Experian has violated my rights in not providing fair and real reporting on the following accounts. I've attached a copy of my credit report as evidence. 

Account name XXXXXXXX XXXX  Account number XXXX .... 


XXXX XXXX  Account number XXXX .... 
Recent balance {$770.00} as of XX/XX/2022 XXXX  XXXX Account number XXXX .... 
Recent balance {$2800.00} XXXX XXXX  Account number XXXX Recent balance {$300.00} XXXX XXXX XXXX IN Account number XXXX .... 
Recent balance {$820.00} XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$1700.00} XXXX Account number XXXX .... 
Recent balance {$1200.00} XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$15.00} XXXX XXXX Account number XXXX .... 
Recent balance {$490.00} XXXX XXXX Account number XXXX .... 

XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$16000.00} XXXX Account number XXXX .... 


XXXX OF XXXX XXXX  Account number XXXX .... 


XXXX Account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and Transunion to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by XXXX. And XXXX XXXX XXXX ( XXXX ) reported by Transunion. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting Transunion and XXXX to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from Transunion and XXXX and have not been provided this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my XXXX XXXX. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Apple Card - GS Bank for violating the following consumer financial protection laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices in connection with the provision of consumer financial products or services. Apple Card - GS Bank engaged in such practices by failing to clearly disclose the terms and conditions of the credit card agreement, resulting in confusion and harm to consumers.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires financial institutions to provide accurate and timely information to consumers about their accounts. Apple Card - GS Bank failed to do so by inaccurately reporting credit card activity, leading to negative consequences for consumers ' credit scores and financial well-being.

3. 12 CFR 1006.34 ( d ) : This regulation prohibits financial institutions from engaging in unfair practices that harm consumers. Apple Card - GS Bank engaged in such practices by imposing arbitrary fees and penalties on cardholders without proper notification or justification.

4. 15 USC 1681-S2 ( 7 ) ( A ) : This statute protects consumers from unfair or deceptive practices in connection with the collection, use, and disclosure of consumer credit information. Apple Card - GS Bank violated this law by mishandling and inaccurately reporting consumers ' credit information, causing harm and confusion.

I have attempted to resolve these issues with Apple Card - GS Bank directly, but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate and address these violations.

I am requesting that the CFPB take appropriate action against Apple Card - GS Bank to ensure compliance with consumer financial protection laws and to provide restitution to affected consumers. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

it is a trio involved - master card which was linked to joint account with my husband for autopay and somehow XXXX. my husband was very sick and primary holder of credit cards and all credit cards were done as atopay from XXXX XXXX XXXX XXXX XXXX XXXX checking account where our SS goes and my husbands pension from XXXX. my husband passed away on XX/XX/XXXX, and i discovered a lot of weird charges- for instance : some digital XXXX account, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. since XXXX every month was autopay from bank more then XXXX - only for 4-5 months around {$10000.00}. i called to master credit card to close the account and disputed some charges, they supposed to send me a letter, it did not happened and i discovered today that XXXX disconnected my phone and my husbands phone, so now i can not to get to my account to see what's going on, and what's going on with SS. it is also about my husbands XXXX retairement plans his SS and everything by phone, i am completely devastated all this situation and don't know who to believe to? please help to find out the truth i hope it is not related to the fact, that our family are russians and we treated in this country as nothing, even we are citizens of USA for 20 years and earned our money honest way and we believed in government, and law and we were sure that government by law and order protects their citizens and cares about human beings rights. i hope human beings exist in the government and will hear me. i am not tired to pray to God, but it seems to me no-one wants to hear even word God. thank you for your consideration, honestly i don't believe someone will take it seriously and will help. it feels like a world theater with greedy gambling on alive human beings.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX  Account Numbers XXXX XXXX XXXX XXXX XXXX XXXXs a charge-offs in the amounts of {$1300.00}, {$440.00}, {$740.00}, & {$210.00}, respectively. 
. 
My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing these 4 accounts off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the accounts continue to be reported as charge-offs on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as charge-offs on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian and Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed. Experian violates my rights as a consumer, as well as federal laws. I have attached supporting documents.
Product: Credit reporting or other personal consumer reports

This account XXXX  Account number XXXX is only showing on my XXXX report but it should be showing on XXXX and Equifax but for some error reasons it's not I have made a complaint and nothing was fixed and now I'm making another one no one have helped
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to the credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal Law and my rights as a consumer
Product: Credit reporting

On XX/XX/2016 I recently check my credit report and notice that all my inquiry was back on my credit report when they was all deleted and it made my score drop tremendously
Product: Debt collection

They are calling me and ask if Im XXXX XXXX as soon as I say yes they ask me if my birthday is XX/XX/year> instead of asking when my birthday is also they will ask is your social blah blah blah but the point is they are giving out my information not verifying because if I just answer yes to everything then they would tell me whatever but I have not said yes to everything because if they called the wrong number and that person said yes to everything and wrote down my information my identity could be stolen. They are not verifying they are giving out the information. All someone has to do is agree and write down all my info. I asked to talk to a supervisor of Portfolio recovery associates and XXXX  was the manager I spoke with and they said to verify they are allowed to give out the information such as asking if my birthday is XX/XX/XXXX I said no I should be the one verifying it. the question should be when is your birthday. This puts my identity at risk. And asking if this is my social security number and giving it out for me to say yes no it would be what is your social security number. They have called and done it like this multiple times. I told them do not call me send something in the mail. And they keep calling and giving out the information on the phone this is ridiculous. They can easily get someones identity stolen.
Product: Checking or savings account

My Regulation E claim regarding XXXX debited from my account from XXXX XXXX on XX/XX/2019 was denied. This was a nearly XXXX dollar charge that was not flagged by the TD Bank Fraud department. I live in a large apartment building with hundreds of other residents so my address is not unique, despite the fact that my address was used as evidence to deny my claim. 

TD Bank claims that they were unable to contact me ; however I called back the contact person at TD Bank on four separate occasions and never heard back. 

In addition to all of this, I received a letter stating that my temporary credit would be final and the claim was ruled in my favor. This is a clear case of corporate greed where a consumer is being taken advantage of by a large bank. In the future I will take my concerns public with social media so that other consumers do not fall victim to this mistreatment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has destroyed my life and destroyed my credit score while XXXX  closing my oldest credit line and bank account 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, has violated my rights. 

I looked at my Experian credit report and XXXX XXXX noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. Please have XXXX XXXX and Experian remove or delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, Experian, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Product: Credit card

I never open this account nor have I had this card. I dont know the bank.
Product: Credit reporting or other personal consumer reports

I was a victim of my information being exposed in the XXXX XXXX  law suit people were using my information and sccounrs
Product: Debt collection

I was mailed a judgement for a totaled vehicle loan debt that was sold to a collection agency. I looked up the judgement and it was closed. I received no court date and was not contacted by the company. A garnishment was issued to my employer 2 months later.im receiving government benefits. Wage garnishment is waived in this case. 
Event Date Docket Entry XX/XX/2023 PROOF OF SERVICE/CERTIFICATE OF SERVICE XX/XX/2023 MATTER ORDERED STRICKEN FROM CALL No one appears. Cause comes on for return on wage deduction. On Court 's motion, matter ordered stricken from the call. XX/XX/2023 NOTICE XX/XX/2023 AFFIDAVIT XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 AFFIDAVIT XX/XX/2023 NOTICE XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 Notice OF FILING XX/XX/2023 Notice OF FILING XX/XX/2023 AFFIDAVIT XX/XX/2023 FOREIGN JUDGMENT XX/XX/2023 CONTRACT {$2500.00} - {$10000.00} XX/XX/2023 STATUTORY MAILING FULL AMOUNT XX/XX/2023 File is Closed / Dismissed XXXX, The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved. By using this service, the user agrees and understands that he or she is bound by the on-line access to Parties Offenses Financials Schedule Events Search End Important Covid-19 Related Updates : AO 21-30 Misdemeanor and Trac Zoom Protocols AO 21-36 Civil Zoom Protocols and Instructions ( If Ordered ) AO 21-38 Domestic Relations Court Zoom Protocols Family Judge Zoom Instructions XXXX , The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved . By using this service, the user agrees and understands that he or she is bound by the on-line access to
Product: Vehicle loan or lease

When I went to XXXX XXXX mall to purchase a vehicle. I test drive the XXXX I wanted but was convinced to buy a XXXX XXXX that was only a four cylinder because the payments would be lower and it would help build my credit. After spending over six hours at the dealership I put down {$1500.00} and signed a four year loan at 15 percent. I complained about the high interest rate with XXXX XXXX. I was told it was due to the fact the dealership had submitted multiple loan application s with various lenders which effectively lowered my credit score. After a year I would be able to refinance. 
When I reached out to Capital One to get the terms of my loan transfer. I received paperwork as if I financed with them the day I bought the car which was false. I signed on a signature for XXXX XXXX   and did not give XXXX the permission to negotiate another loan at a higher interest rate and for six years on a car worth XXXX. The borrowed amount was {$15000.00} and the amount paid back already is {$20000.00}. The additional pay off amount is {$8800.00}. 
I work for XXXX XXXX. I can travel the state if NJ for free. I would never agree to finance a car for the price of two vehicles. I have disputed this loan and it's terms for the last three years with Capital one. I have been charged interested and tremendous late fees during this pandemic. Who in their right mind would agree to pay $ XXXX for a car worth $ XXXX