23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, XXXX, and Transworld Systems to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all Transworld XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Payday loan, title loan, or personal loan

There was a violation of Contract Law resulting in contract fraud due to lack of providing full material disclosure as required by the TILA therefore there is a billing error that needs resolution. ( 12 CFR 1026.13 ) Pursuant to 9-210. REQUEST FOR ACCOUNTING was made on multiple occasions and never received or responded to.

Pursuant to 15 U.S. Code 1635 and further confirmed in 1026.23 Right of rescission, I expressed right to rescind on multiple occasions with no resolution or response. 
1st notice sent : XX/XX/2022 2nd notice sent : XXXX/XXXX/2022 3rd notice sent : XX/XX/2022 In these notices I expressed for all future communications to be via email or mail yet I continue to receive multiple phone calls and voicemails on a daily basis from OneMain Financial and have not received any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX  : {$500.00} XXXX  XXXX XXXX  : {$0.00} XXXX-XXXX XXXX : {$87.00} XXXX XXXX  : {$25.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a XXXX XXXX and as a result, I have become aware of fraudulent accounts that have been opened in my name without my authorization. I am requesting that all of the following accounts be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Letter from XXXX XXXX XXXX XXXX XXXX states : I last paid on XXXX/XXXX/XXXX on a First Union credit card bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.
Product: Debt collection

This is a violation of the FCRA Section 609 ( a ) ( 1 ). This debt has been illegally reaged according to the original creditor 's date of first delinquency. I am attaching documentation with the DOFD and a copy of my report that shows that the debt has been reaged.
Product: Credit card or prepaid card

I recieved an email on XX/XX/22, XX/XX/22 from Fortivia stating that my account contacts had been consolidated. Upon researching my account information I found out that a XXXX XXXX  had been opened up in my name. I only had an XXXX 's XXXX retail account previously opened with them. I contacted the company and spoke with at least 5 different accounts representatives. They tried to inform me that because of my excellent credit standings with them that I was selected for a XXXX XXXX with them. At no time did I ever ask for or request a XXXX XXXX from them. Nor did I give permission or authorization to apply for a XXXX XXXX. I do not want the card or it to affect my credit report in any manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX XXXX XXXX This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified. 

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all XXXX late payment entries be permanently removed from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Hello CFPB Im Making My Complaint Today Against PORTFOLIO RECOVERY ASSOCIATES , LLC They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because I Just Found Out This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts.

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have XXXX  This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you PORTFOLIO RECOVERY ASSOCIATES , LLC that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX XXXXXXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Debt collection

Midland Credit Management tried to collect on a debt I didn't owe. After being harrassed for almost a year we went to Court XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ) in XXXX of 2024 ( see attached file ). The case was judged in my favor and ultimately dismissed by the Judge. The amount was in the neighborhood of {$4400.00}. Since then, I've reached out to this unethical collection company to have the entry REMOVED off my credit bureau! It is still on there after 7 months! 

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

United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, XXXX or TRANSUNION ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, XXXX or TRANSUNION ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by XXXX, XXXX AND TRANSUNION reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. XXXX, XXXX and TRANSUNION are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TRANSUNION are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my consumer report and realized I have two hard inquiries that I did not give permission from XXXX to allow third party corporations to access. In pursuant to 15usc1681b ( 1 ) XXXX must have a court order and XXXX must have written instructions by me the consumer in 15usc1681b ( 2 ). The two hard inquiries are XXXX XXXX XXXX XXXX and WF CRD SVC I did not give XXXX permission to allow this into my consumer report. XXXX allowed these two hard inquiries into my account to profit and considered me the consumer as a product. I want these two hard inquiries removed from my credit report as this is in violation of my privacy and in violation of congressional findings.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed an unauthorized credit inquirie. I did NOT authorize this inquiry. Please remove from my credit report. This has already been filed as identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXX XXXX  XXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX  XXXX XXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,
Product: Mortgage

On Friday, XX/XX/XXXX, I originated a wire from my bank to Citizens Bank to payoff my mortgage. The wire was received by Citizens, but after XXXX. Since it was received after XXXX, Citizens Bank did not apply it to my account until the next business day which was Monday, XX/XX/XXXX. My account continued to accrue interest and I was then charged an additional {$250.00} to complete the payoff. 

Citizens Bank had my funds but did not apply them to my account. I don't think it is fair that I was charged three days of interest.
Product: Credit card or prepaid card

Due to Covid 19, I have had problems making my payments on time for the past 3 months. Prior to this I have made my payments on time since I've had my 2 accounts with Capital1. I called and asked to have 3 months late charges removed. I was told by XXXX that he could only erase 1 late payment and that I would have to pay for XXXX and XXXX because after the XXXX of the month it goes into the next billing cycle. I told him I received a forbearance for XXXX. He at first insisted I pay 2 months. He sounded like a robot with not a ounce of empathy in his voice. I felt harassed so I said okay. He then said well if you can pay for 2 months why did you need a forbearance? I explained that because you have my arms tied behind my back I will have to go pretty much without eating in XXXX. He said I'm not harassing you but that's how I felt. He had me in tears trying to explain that I'm taking care of my twin sister XXXX who is in very poor health in addition to my XXXX year old father. He finally gave me a forbearance for XXXX. I told him I would like to file a complaint and requested the information to do so. He refused to give me the complaint dept and told me to look it up online. I was under the impression that he was obligated to give me the information to file a complaint? I have always been in good standing with Cap 1 until now. I was very concerned if these delayed payments was going to be on my credit report and he said he didn't know. I eould just have to wait and see. He is lacking big time in customer service skills and needs additional training on how to treat Capital 1 customers. I am going through some very difficult times and was really shaken up by this young man. I am XXXX yrs old and am experiencing XXXX XXXX behind this terrible phone call.
Product: Mortgage

On or about XX/XX/2021 I was denied for a mortgage by Rocket Mortgage and received a denial from the loan officer XXXX XXXX XXXX XXXX # XXXX. I was told I was approved and given an approval only to find out 20 days before closing that my loan was declined. When I call the Loan Officer, she could only tell me that they ( Rocket Mortgage ) could not do the mortgage with no other information requested that I could provide. To this date, I do not know why I was declined. I failed to get the home that I wanted to purchase and received the denial with little information provided. I lost that home.