23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees.

I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent inquiries I am formally requesting that these be investigated properly with immediacy. This is my second time asking TransUnion credit agencies LLC to remove these inquiries : XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX This agency is in violation of 15 USC 1692g . In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts, they have violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions and if there is an inquiry proof must show them being attached to an account which I do not have an account or knowledge of these false inquiries. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item.I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to  attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. 
I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX  XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having an issue of applying for the First Progressive Platinum XXXX XXXX XXXX Credit Card through Synovus Bank on XXXX XXXX and through Synovus Bank online application process. My application for the secure credit card cant be processed online on XXXX XXXX or Synovus Bank website. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I booked a ticket using rewards miles, and was surprised to find when I checked in ( XXXX ) that I had to pay {$25.00} each way to check a small carry on bag. I know that I would not have agreed to this when I booked my ticket through chase. When I looked at my ticket, it states carry on = free. When I looked at booking other tickets, it is equally unclear on their mobile app about baggage fees. If they want to market themselves as a travel rewards card, they need to be up front and be truthful in their app when you redeem points with carriers. See the screenshots - any reasonable person would be decieved by this. Unacceptable.
Product: Debt collection

Complaint Against Collection Agency for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against LOCKHART, MORRIS & MONT for multiple violations of my consumer rights under federal law. The collection agency has engaged in practices that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations by the Collection Agency : Failure to Provide Validation Information The collection agency has not provided the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection item on my consumer report.

Denial of Dispute Opportunity I have not been given a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means The collection agency has employed false, misleading, and deceptive means in the collection process, violating consumer protection laws. 
Unlawful Furnishing of Information The collection agency has no authority to furnish any account to consumer reporting agencies without first providing all required disclosures, in violation of : 12 CFR 1006.34 ( d ) 15 USC 1681-52 ( 7 ) ( A ) Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against the collection agency for these violations. Additionally, I ask that this collection item be removed from my consumer report until full compliance with all relevant laws is demonstrated. 

I have all relevant documents to support my claims and will cooperate fully with any investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XX/XX/year>
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to eliminate any incorrect accounts from my credit report. Can you please examine the documents? Some listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in identity theft. Several unauthorized accounts and credit inquiries have appeared on my credit report without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am here to share and express my concerns when it comes to Zelle 's handling of disputes, cancellations, and refund processes. This has been a concern of mine that I have been reaching out in regards to the previous problems I have addressed with them and have gotten little to no help with. So now that see the recent CFPB lawsuit that's highlighting the same significant issues that I have been facing your years, I know this is something I would like to finally gain real help with. Despite me having and sharing proof and actual data that support concrete evidence of wrong doings done towards me financially while using Zelle ; Zelle and my financial institutions failed to investigate my claims adequately. They told me that recovering lost funds were impossible and that tracking these transactions was unfeasible. After doing my own constant research, the CFPB has made findings of that indicate that Zelle has not only neglected to protect consumers like myslef but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This has been something that has effected me on numerous occasions over the years and I have never received the proper help once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act.
I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements.
I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

While recently getting my credit report to quality to buy a house, I noticed that there was a derogatory item from XXXX XXXX ( XXXX XXXX XXXX ) indicating the account had gone to collection and {$1200.00} was due. When I disputed the information online on XX/XX/XXXX, Equifax said it began an investigation. Equifax responded onXX/XX/XXXX they the debt had been certified by the debt collector and my credit report will remain unchanged. I have never had an account with XXXX XXXX ( I have always had XXXX  ). When I called XXXX XXXX to look into the account they had an address for me on a street where I never lived. This is not my debt and it is extremely unfair that Equifax only did a cursory investigation before ruling against me.
Product: Credit reporting or other personal consumer reports

Greetings, USAA has engaged in unfair deceptive and abusive acts and practices, also known as UDAAP concerning my USAA insurance policy. I have multiple services with USAA to include banking and vehicle financing. 
On XXXX XX/XX/XXXX, I learned that my USAA Auto insurance policy was cancelled without proper notice. This is alarming seeing as I had a payment arrangement with USAA that was discussed on XXXX XX/XX/XXXX. Specifically, I contacted USAA to advise that I needed more time to make a payment due to an unforeseen financial circumstance. I spoke with a representative who advised that I should make a payment by XXXX XX/XX/XXXX. The representative advised that if I could not make a payment, I should call back to see what options would be available. She indicated that she would update my account notating that information. On yesterday, XXXX XX/XX/XXXX I went online to make a payment only to realize that my policy had been cancelled. Over the last month, I have been XXXX for XXXX XXXX  and only had access to email. On XXXX XX/XX/XXXX, I received an email from USAA, but there was no indication or date stating that my coverage was on the verge of being cancelled. Last week, I returned from XXXX XXXX  to learn that my auto insurance was cancelled. When I spoke with a representative on yesterday, she was increasingly condescending and stated she could not find any notes from the last conversation Id had with USAA on the topic. I found that troubling and asked that they pull the call records to listen to the conversation. She stated that process could take up to 5 business days for that request, meanwhile, I was left uninsured and my consumer credit report impacted. I requested that my insurance be reinstated. The representative ran a quote that doubled my last premium with USAA. I am shocked. I am being mistreated and unfairly evaluated in this urgent matter. This is not right. On today, XXXX XX/XX/XXXX, the representative admitted that the phone call was reviewed and the payment arrangement was discussed. USAA never set up the agreement on my behalf. I told the USAA representative that I could not set up the arrangement myself which was why I contacted them for assistance. Today, the USAA representative was hostile towards me. The bottom line is she did not hear the phone call ( her supervisor did ) and she has no authority to assist and she continued to gaslit me about what was mentioned on the phone call. That representative refused to assist in any manner helpful in this already tense situation.
Product: Payday loan, title loan, personal loan, or advance loan

I regrettably signed up for a predatory loan in a period of financial stress. 

The loan is with Uprova. A tribal Lender. 
Terms are XXXX @ 160 % apr, 2 year. 

Upon review, they are non-compliant with Washington state laws. 

XXXX - XXXX XXXX XXXX. XXXX XXXX. All consumer loans in Washington are capped at 25 % APR under the amended XXXX. 


Applies to anyone physically located in the state. with... : ( 1 ) Each loan made to a resident of or a person physically located in this state by a licensee, or persons subject to this chapter, is subject to the authority and restrictions of this chapter. '' States that " A person may not engage in any device, subterfuge, or pretense to evade the requirements of this chapter including, .... or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate of interest, consideration, or charge than permitted by this chapter through any method And.. " if a loan exceeds the rate permitted under this chapter, a person is a lender making a loan subject to the requirements of this chapter notwithstanding the fact that the person purports to act as an agent, service provider, or in another capacity for another person that is exempt from this chapter And..

" A person may not engage in any device, subterfuge, or 14 pretense to evade the requirements of this chapter including, but not 15 limited to : Making loans disguised as personal property sale and 16 leaseback transactions ; disguising loan proceeds as a cash rebate for 17 the pretextual installment sale of goods or services ; or making, 18 offering, assisting, or arranging a debtor to obtain a loan with a 19 greater rate of interest, consideration, or charge than permitted by 20 this chapter through any method, including mail, telephone, internet, SUBSTITUTE XXXX XXXX XXXX AS AMENDED BY THE HOUSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or any electronic means regardless of whether the person has a physical location in the state.
Product: Debt collection

JPMCB CARD SERVICES, AMOUNT {$22000.00}. I AMA A VICITM OF IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS ACCOUNT IS REPORTING NEGATIVELY ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT WORTHINESS AND HARDSHIPS TO OBTAIN CREDIT IN THE FUTURE. JPMCB CARD SERVICES ARE VIOLATING MY RIGHTS AND USC CODES AND LAWS.