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

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XX/XX/XXXX, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/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.
Product: Credit reporting or other personal consumer reports

Please take a look at my credit profile it is not accurate 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. I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XX/XX/2016 amount XXXX I don't why they but me I check the landlord they say we don't no you have to dispute and we don't have any money own
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CHECKNGO/XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that CHECKNGOXXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for CHECKNGOXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that CHECKNGOXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CHECKNGOXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting

Equifax has been reporting a student loan balance and liability for me in excess of {$120000.00} and payment terms that are also inaccurate because I am a participant in the Public Service Loan Forgiveness Program due to my status as XXXX. I have asked them repeatedly to correct the student loan information showing XXXX XXXX account with the following notation ( which is less than XXXX words ) : '' The debtor is a XXXX of the United States and due to that status, he participates in the public service forgiveness program for student loans. Under that program, the debtor need only make 120 total payments over his XXXX career in order to have the loans completely forgiven. Thus, the outstanding balance on student loans being reported in this credit report is inaccurate and much higher than the debtor 's actual liability which is simply 120 payments of {$620.00} each less the number of qualifying payments he has made since XXXX XXXX, 2007. ''
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX  XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX
Product: Checking or savings account

I am outside the United States and I have problems with my account since it is blocked and I can not access my money in any way. I asked customer service for help and their only answer is that I must go to a financial center to update my data. I explained to them that at the moment I can't go to the United States since I'm traveling and also my money is stuck in my account. How do I buy a ticket to go if I don't have access to my account and they can't help me? I also have to pay my credit card and all my money is stuck in my account. No assistant has been able to help me with my case or given me other solutions. I understand that it is a security process but it is urgent to withdraw my money and I can provide all the information I need to unlock my account. I have all my account information but they just don't want to help me. I have called many times and none of them have been able to give me a solution, I also ask who else I could talk to who can help me and they don't tell me anything. I would like answers about my money and my account.
Product: Checking or savings account

I applied for a bank account with Citi bank around two weeks ago from today my account stayed open until I received my first direct deposit which deposited into my account on XX/XX/10 around XXXX XXXX  I paid my car note went to the gas station put some gas in my car after that transaction things went downhill I went to XXXX to try and get food my card declined I knew something was wrong, i tried to open up a regular checking account the representative didnt speak XXXX well didnt follow instructions and closed one of my other checking out and thats when I started having problems I had well over {$400.00} available in my account for my XXXX transaction my card kept declining I had to transfer funds to another account to buy food I called Citi bank customer service representative told me it was a security alert on my account didnt tell me why most of the representatives told me the back office had to review my information was limited on funds all XX/XX/10 I called around XXXX a representative told me the bank decided to part ways and my account is closed with XXXX remaining in my account left me for dead no money cant get gas or anything now Im in a loop I have to hurry up and change my direct deposit information so my incoming check that comes next week wont be tied up I want my remainder balance Citi bank has to do better cant go into a branch because its no locations in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries on Credit Report Dear TransUnion Consumer Solutions , I am writing to formally dispute unauthorized credit inquiries listed on my credit report. On XX/XX/XXXX, two inquiries were made by XXXX XXXX XXXX and XXXX XXXX XXXX that I did not authorize. 

Federal Laws and Codes Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate information on my credit report, and you, as a consumer reporting agency, are required to verify the legitimacy of any disputed information. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be accessed. Since I did not authorize these inquiries, they are a violation of this section. Furthermore, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation to determine whether the disputed information is accurate and, if not, promptly delete it. 


Request for Immediate Action In accordance with these federal and state laws, I am requesting that these inquiries be removed from my credit report immediately. I have attached Federal Trade Commission ( FTC ) reports for both inquiries, which clearly state that I did not authorize these companies to access my credit information. I have also included a copy of my ID for verification purposes. 

As per the FCRA and applicable state laws, TransUnion is required to verify that these inquiries were authorized by me. If you can not provide plausible proof that I authorized these inquiries, they must be removed from my credit report without delay. Failure to comply with these laws may result in further action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities. 

I trust that this matter will be resolved promptly. Please confirm receipt of this dispute and keep me informed of the actions taken. I expect a resolution within 30 days as required by 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - FTC Report for XXXX XXXX XXXX Inquiry - FTC Report for XXXX XXXX XXXX Inquiry - Copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how Transunion has violated my right.
Product: Credit reporting or other personal consumer reports

The actual payment amount of XXXX XXXX  is wrong. The company is reporting a balance of XXXX. The debt was sold to XXXX XXXX. They both should not be shown.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness.

Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I went into the store to ask for a payment plan and XXXX said that If I entered into XXXX or more payment plans that she would not re-loan to me again. So I was forced to find another place to do business. She is very rude and made me feel like I was a piece of XXXX.
Product: Money transfer, virtual currency, or money service

Credit karma closed my account, but somehow the deposited my tax refund or kept it and did not send it back to irs. And are not sending me a check. They stole my tax refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information from XXXX XXXX  ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.