23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the collection account listed on my credit report, which is under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I am requesting validation of the debt you are attempting to collect. 

Here are the specific details regarding the account : XXXX Account Number : XXXX High Balance : {$3100.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$2500.00} I am requesting validation of this debt as per my rights under the FDCPA and FCRA. Please provide the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be aware that reporting unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as required by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card

As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?
Product: Credit reporting or other personal consumer reports

There are two inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/year>, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.
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. 

I told the Transunion to reinvestigate these accounts : Account name : XXXX XXXX  # XXXX However, 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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

I am requesting this account with XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting due to XXXX and Equifax reporting different payment history. 

Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove account immediately or provide proof of late payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -CHASE CARD -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX CREDIT -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

SENT IN A REQUEST FOR THE METHOD OF VERIFICATION OF 5 ACCOUNTS REPORTING ON MY CONSUMER REPORT. YOU HAD 15 DAYS TO GIVE THIS TO ME OR DELTE THE ACCOUNTS. I HAVE NOT RECIEVED THE METHOD OF VERICATION THAT I REQUESTED AND THE ACCOUNTS ARE STILL REPORTING ON MY CONSUMER REPORT. YOU ARE IN VIOLATION OF THE FCRA FOR WILLFUL NON COMPLIANCE. YOU WERE TO DELTE THE XXXX ACCOUNTS -- - ( XXXX  XXXX ) ( XXXX  XXXX ) ( XXXX  ) ( XXXX ) ( XXXX XXXX ), IF YOU COULD NOT PROVIDE ME THE METHOD OF VERIFACTION. I WILL NOW PURSUE MY RIGHTS UNDER THE FCRA FOR YOUR VIOLATIONS OF THE FCRA CONCERNING MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unlawful reporting of a repossession account on my credit report, which I recently obtained from your agency. The account in question is listed under XXXX XXXX XXXX XXXX loan. Upon reviewing my credit report, I identified several violations of federal laws under the XXXX XXXX, specifically 15 USC 6801, 15 USC 6802, and 15 USC 6803. These laws mandate the protection of my personal financial information and outline strict guidelines for how such information is to be handled and shared. The violations are as follows : XXXX. 15 USC 6801 : Protection of Nonpublic Personal Information. This section requires financial institutions to establish appropriate standards for safeguarding the confidentiality and security of nonpublic personal information. By inaccurately reporting this repossession, Equifax and XXXX has failed to ensure the protection of my personal financial data. 

XXXX. 15 USC 6802 : Obligations with Respect to Disclosures of Personal Information.This section mandates that financial institutions provide clear and conspicuous disclosures to consumers about their policies and practices regarding the sharing of personal information. There was no proper disclosure or authorization from me for this inaccurate and damaging information to be shared on my credit report. 

XXXX. 15 USC 6803 : Disclosure of Institutions Privacy Policy. This section requires financial institutions to disclose their privacy policies and practices to consumers. The reporting of this repossession without proper adherence to privacy practices and without my authorization is a clear violation of this statue. Due to these significant breaches, I demand that Equifax and XXXX immediately delete this repossession from my credit report.The continued presence of this inaccurate and unlawfully reported information is causing substantial harm to my credit score, financial reputation, and overall well being. If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages resulting from these violations could result in significant penalties for Equifax, and XXXX including but not limited to : Statutory damages prescribed by the XXXX XXXX XXXX, Actual damages incurred due to loss of credit opportunities and increased interest rates, Costs and attorney fees associated with legal action, Please treat this matter with the utmost urgency and provide a written confirmation of the deletion of this account from my credit report within XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The portal from XXXX to access the 3 major bureaus seems to be completely useless for accessing Equifax reports. It caused my browser to crash repeatedly, and my cpu and ram usage were both maxed out just from their site attempting to load. After attempting in another browser, the site says online delivery can not be performed and requested that I ( very unsecurely ) mail them a form with photocopies of information that in the wrong hands could be used to damage the very reports they are making it impossible to access. 

I have never seen my credit report from Equifax. That is all I'm trying to accomplish.
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 : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and used XXXX XXXX as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 1681i ( 5 ), they are supposed to modify or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Student loan

Over the past 4 years the student loan deal has been difficult to manage. My loans were being handled by Fed Loan Servicing. Then they came under fire for dealing with accounts incorrectly. The next thing I know is I'm being transferred to Mohelia. Since Mohelia has had my account it has been impossible to deal with. Mohelia has put me in forbearance several times while they deal with the Biden admin. Mohelia has been difficult to get on the phone. They expect students to be able to navigate a web site that is changing daily. If you are lucky enough to talk to a real person they have no idea whats going on. Through Mohelia I was encouraged to enroll in the Save Plan. Once I enrolled in the Save Plan some time passed and payments processed. Then they cancel the Save plan and put me in forbearance yet again while they figure it out again. Nearly 5 year have passed while dealing with this.

Is there any help for me the student who is stuck is this game. Between Mohelia and The Department of Education? This whole deal has cost me years of payments because of all the mismanagement. I'm a victim here how do I get help? It's not my fault payments are not being made. They can't decide which plans there going to allow. This is not fault and I have no control. I'm a victim though because this loan hurts me financially hanging over my head. Mohelia wants me to refinance my loans and get a new plan however if I do I give away a chance at forgiveness. I have 50 plus pages of things to submit for an investigation.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, which is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX As a victim of human trafficking, I have faced numerous challenges, including the accumulation of adverse credit information that resulted from my victimization. I am providing the following documentation to support my request for the removal of such adverse information. 

1. A full copy of my consumer report.

2. A copy of a statement from a victim services organization confirming my status as a victim of human trafficking. 

I kindly ask that you remove all adverse items of information related to any delinquent acts or conduct that occurred as a result of my status as a victim of human trafficking. 

These items have had a significant impact on my financial stability and overall well-being, and Their removal is crucial for my ongoing recovery and ability to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you a

re in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX
Product: Debt collection

I have medical bills with XXXX XXXX in XXXX, PA I had been paying {$25.00} on each of the XXXX bills until about a year ago when a rep. called me from XXXX XXXX and we agreed that I make a once a month payment for {$110.00} and some change. I rounded off the payment to {$110.00} a month and sent my payment each month that I received my bill. Well the bills stopped coming in the mail in XX/XX/XXXX and I never heard a word from XXXX XXXX either by mail or by phone regarding any payment issues so I assumed my bills were paid in full and that was the end of it, until yesterday when I checked my mail and found that I had a letter from a Collection Agency ( Financial Recoveries ). This letter includes XXXX unpaid, overdue bills from XXXX XXXX and they are expecting me to pay them in full. First off I was making payments that were agreed upon by myself and XXXX XXXX. How can they just up and send these to collections without properly notifying me that there was a problem? I guess I should have contacted them but life gets busy, especially when my focus is on my health and trying to physically get back on my feet. I have been dealing with major back issues since 2012 and all that comes along with that, like doctors, hospitals and health insurance. I am and have been on XXXX so there is no way I can come up with a lump sum to pay these bills off the way the collection agency wants me too. I just do n't understand why XXXX XXXX stopped billing me and sent me to collections. I was making my agreed payments. 
I sure hope that by writing this letter to you that you can help straighten this mess out for me or at least point me in the right direction. 

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

I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error.

It is been a month and nothing is fixed.
Product: Checking or savings account

Well my wife started a new job with usaa banking in XXXX well she find out that they offer a lot of different services because we are in the processing of fixing our credit. She opened up an banking account with usaa banking and decided that I do the same. As we call them together I was unable to open up and banking account because a banking account was already opened up in my name. Back in XXXX when I was incarcerated at the time. I let them know that I was unaware of that account and that I never even heard of usaa banking until my wife started working there in XXXX when she was trying to get me to open up a saving account with them. They rushed me to the fraud department as I was asked so many questions. I believe i made that phone call in XXXX I wont to say the XXXX. I was told to call back but every time I called back Im being hung up on or transfer to someone that cant help me. I was told to call back to check up on the status of the investigation. But no luck I called back about the XXXX right after XXXX to only be told that someone will be in contact with me. Well I was able to access the account because they had added my phone number to the account instead of closing the account and I was able to reset the pin to get into the account. The information I got out the account was the person stayed in XXXX Pa address XXXX XXXX XXXX XXXX PA XXXX they even created a email For me XXXX they telephone number XXXX and they had one number in my ssN that was missing and Im lost to how they were even allowed to opened up an account without a full ssN. Previous before all this had happened I had some misspelled names on my credit that I had taken off. After I reported to usaa that this was not me. It all of a sudden pop up on my credit. I also have another bank account that was opened in my name at XXXX XXXXXXXX XXXX and its now on my credit before it wasnt. Also outrages medical bills that I dont recognize because I always had insurance with my job or through my wife job. I need to know how I go about this and how do I bring charges forth because I do wont to press charges for identity theft