23daVinci/CFPB_Complaints huggingface dataset:
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. 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 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. 15 U.S.C 6802a Section States : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S.C. 6802a ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 15 U.S.C. 6802a ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S.C. 6802a ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S.C. 6802a ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C. 1666b ( a ) Time to make payments : Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 15 U.S.C. 1681e ( b ) Accuracy of report : Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's security was breached and highly sensitive personal and financial information, including my own, was accessed by hackers. I am now a potential ( or current ) victim of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, while on vacation abroad, I received a phone call from someone alleging to be from Citibank, telling me there was unauthorized activity on my account. I was informed that there was a pending {$5000.00} charge, through XXXX. While I did not provide any information as to passwords, etc, the person in the other side had access to all my account information, including my social security number. When I saw the XXXX removed from my balance, as I was looking at my balance throughout the call, and they began to ask me to make another charge to reverse the payment, I hung up and called Citibank. A dispute was immediately filed. On XX/XX/year>, I received a letter from Citibank informing me that my dispute was denied because their investigation determined that I made the charge myself, which is completely untrue.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent an Identity theft letter to ( Equifax, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( Equifax, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( Equifax, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my extreme dissatisfaction and frustration regarding a recent experience I had with Title Max, specifically in connection with the repossession of my vehicle and subsequent damage that occurred during the process. 

My vehicle, was repossessed from my home by XXXX XXXX XXXX XXXX at the behest of Title Max. Subsequently, I utilized Title Max 's services and paid the necessary fees to reclaim my vehicle. However, upon receiving my vehicle back, I discovered significant front-end and tire damage that rendered it undrivable. 

This damage was not present before the repossession, and it is clear that it occurred during the towing process. This process is the result of Title Max, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I am extremely disappointed and frustrated that the vehicle, which was in proper working condition before the repossession, has now sustained damages that were not my responsibility. 

I have made attempts to address this issue with Title Max, but regrettably, my concerns have not been adequately addressed. The lack of communication and resolution from Title Max is deeply troubling, especially considering the financial investment I made to reclaim my vehicle. 

As it stands, I am unable to use my vehicle due to the damages incurred during the repossession process, and Title Max has made no effort to rectify the situation or compensate for the damages. Nor has title max forgiven the loan. They call me daily to collect and advise of interest and when I mention my damaged vehicle they claim they will check on it and contact me later. 

Titlemax was made aware nd has provided no assistance
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 90 DAYS to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account that at one time, a few years ago, was owned by XXXX. Now it has returned to my reports and showing as a collection with another collection company, Capio Partners , llc located in Texas. This was a medical debt that was not billed to XXXX XXXX XXXX XXXX appropriately. I have been dealing with this for years now. XXXX XXXX XXXX XXXX Washington state paid this bill, finally. The hospital refused to bill XXXX XXXX because they said it was " outside of the claim window ''. So I had to submit the invoices to XXXX XXXX myself for payment. Please assist in resolving this and removing both of the items from Capio Partners from my report as they were both for the same dates of service. This is affecting my ability to obtain loans for my small business. I am a XXXX XXXX XXXX and am completely dumbfounded this is permitted to happen to someone. I have no blemishes on my report and this seriously affected my score, from XXXX to under XXXX now. I beg you please help me resolve this. It has gone on too long. I have the records from XXXX XXXX XXXX and XXXX, a letter from them where they were removing it form my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter on XX/XX/2022 to investigate the followingXXXX  XXXX  # XXXX Please verify this account. 
XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 

Also to remove a in accurate address on my credit reportXXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XX/XX/2022 requesting the same thing with no reply from the bureaus.
Product: Credit card or prepaid card

On XX/XX/21 I called Citibank to understand why finance charges were being applied to my credit card account despite the fact that I had paid the balance in full every month. I was informed that due to a partial late payment in XXXX -- I paid off the full balance 1 day late -- I was being charged daily interest on every purchase made for a subsequent 2 month period. Interest was being applied not on an unpaid balance, but on every transaction. In essence, this became a card that is not a credit card. No revolving credit for 30 days, as is the common understanding of credit cards. I have never encountered this type of penalty for a late payment. Nowhere on my statement does it indicate that I am no longer receiving credit of any kind. I feel that this is a predatory lending practice that I could not possibly have been expected to anticipate. Had I understood this was happening I would have used one of the several other avenues I have for credit over the last two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding a fraudulent account appearing on my credit report. XXXX did not properly investigate or remove the disputed account. XXXX failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for XXXX additional fraudulent accounts appearing on my credit report. However, within approximately XXXX hours, XXXX stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for XXXX to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided XXXX with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

XXXX 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal law.
Product: Credit card or prepaid card

The main reason for writing this is to request a review of my negative remarks on my account by XXXX XXXX XXXX, now First Horizon Bank who initially declined my request after contacting them. 

I am kindly requesting the removal of a negative remark on my account from all three credit reporting bureaus for I am petrified I might end up homeless. 

My main issues started at the time when I moved to campus for my XXXX year in XXXX  was going through financial hardship. 

I took a back foot and was not able to make any payments during that time. 

I will attach proof of XXXX  status at that time through my enrollment verification. 
Kindly please review this document. 


I am requesting a review more so now after all this time is mainly because. 

First, I currently feel stuck and I am in emotional stress since my roommate is currently getting ready to move in with his girlfriend and it is not possible for me to live with them anymore. 

I met with my roommate when I moved to California for a job immediately after graduation With this being a big shift, going out on my own to a different city, It was hard for me to find a place to stay. 

Luckily, this was when he decided to help me which was meant to be temporary as I was finding a place to stay However, I ended up staying for a year. 

Secondly, because of the negative remark on my credit card. 

Nobody deems me credible even though it is not the case. 

I was desperately seeking help and did a XXXX search on how I can get my credit fixed online At this time, I was trying to find a place to stay after my temporary stay was coming to an end. 

The simple search led me to a credit repair company that promised to help me delete the account legally and fast within a specified time. 

Nothing specifically changed and I looked for a solution from other credit repair companies who promised heaven but delivered nothing basically. 

But again, nothing really changed, and it is during this process that they all advised me STOP MAKING payments. 

They claimed that it will be easier for removal, and in the process, I was still getting charged upwards of {$100.00} a month for this. 

Since nothing seemed to change, I felt betrayed, lied to, and scammed. This has left me in a very depressive and mentally challenging state. 

A sample email I sent to one of those companies complaining about their service is attached below Hence, therefore, I finally decided to reach out to you for assistance. 

I'm kindly requesting that my negative remark removed from all 3 credit bureaus. 

This is in hopes that when my roommate moves his girlfriend in, I will be able to find a place to live. 

Kindly looking forward to your response and consideration of this matter. 


Yours, XXXX XXXX,
Product: Credit card

Capital One is reporting incorrect information on my ein number and is not suppose to be to all XXXX credit bureaus.
Product: Debt collection

The company name is Jefferson Capital Systems LLC, they try to charge me a amount but that account is closed for months
Product: Credit reporting

I disputed this fraud account that is being reported on my credit report to Experian account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. Experian performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

Experian ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that Equifax has been reporting on my credit file. Despite my repeated attempts to have this matter resolved, the inaccuracies remain, and Equifax has failed to properly investigate or correct these issues as required by law. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, Equifax is obligated to conduct a reasonable investigation of any disputed information. The law also mandates that if the information can not be verified, it must be promptly corrected or deleted from the credit report. XXXX  failure to conduct a thorough investigation and resolve these inaccuracies constitutes a violation of this federal law.

Timeline of Events : On XXXX XXXX, 2024, I submitted a formal dispute to Equifax, providing clear evidence and requesting a proper investigation.

On XXXX  XXXX, 2024, I received a response from Equifax stating that the disputed items were marked as accurate and verified without any clear explanation or evidence supporting their accuracy.

I followed up on XXXX  XXXX, 2024, reiterating my concerns and requesting additional verification, but I did not receive a satisfactory response.

Most recently, on XXXX  XXXX, 2024, I sent another letter to Equifax, demanding a resolution, but the inaccurate information is still being reported.

The information in question includes [ list specific inaccuracies, such as accounts, balances, or other disputed details ], which I have confirmed are not valid or were never opened by me. 

Applicable Consumer Protections : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputes and ensure that the information reported is accurate and verifiable.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information furnishers are required to provide accurate information and investigate disputes thoroughly when notified by the credit bureaus.

3. FCRA Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or unverifiable information must not remain on a consumers credit file.

XXXX ongoing reporting of this inaccurate information is causing me significant harm, including [ list impacts, such as difficulty obtaining credit, higher interest rates, or emotional distress ]. 

Requested Resolution : I demand that Equifax : 1. Immediately delete all inaccurate and unverifiable information from my credit report.

XXXX. Provide written confirmation of these deletions within 30 days. 
XXXX. Comply with all applicable federal laws moving forward. 

If Equifax fails to resolve this issue promptly, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under the FCRA. 

I expect a full resolution of this matter and written confirmation no later than XXXX  XXXX, 2025.