23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Credit Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Credit Collection Services has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by Credit Collection Services besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Credit Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Student loan

I am currently a full time XXXX student. I can not afford afford to be making payments on my loans at the moment. During my XXXX years I took loans from XXXX that I was told I wont have to pay back until I graduate. My loans have been transferred to Navient and they are asking me to make a payment in 2 weeks or default on my loans. I asked if I can make a smaller payment or with holds payments for XXXX years until I graduate but they refused. Right now, I do n't see any option but to default on my loans. Is there anything you can do to help me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : XXXX XXXX XXXX, TransUnion I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my XXXX and XXXX report, then reporting as collection / Chargeoff account on Transunion XXXX Date open shows XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent Transunion and XXXX states Charge off and XXXX states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to XXXX XXXX XXXX XXXX and TransUnion on XX/XX/XXXX. 

- XXXX, XXXX and TransUnion have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.
Product: Vehicle loan or lease

My wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX. She purchased the Ally Financial Premium warranty as a part of her purchase which was included the financing. Her deductible is only suppose to be {$100.00} for covered work. Ally Financial is constantly balking at the deductible and wants my wife to pay more out of pocket for covered work. Ally Financial has tried to changes the terms of the agreement on several occasions. It seems more like a bait and switch tactic than an actual warranty.
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 Transunion 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 an auto loan account opened in XX/XX/XXXX for {$23000.00} with XXXX XXXX XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$650.00}, a rental apartment was acquired in XXXX of XXXX and a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$690.00} appears to be associated with this rental, another collection account associated to the aforementioned rental property is XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$300.00}. These accounts have resulted in several fraudulent hard inquiries on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company has called several times through the day ( morning, afternoon, evening ). They have been told to cease and desist communications and this debt was being disputed. Portfolio Recovery Associates LLC has continued to contact me by phone and when calls are returned, they promptly hang up. They have also continued to send demand letters through the mail.
Product: Credit reporting or other personal consumer reports

Car loan with Prestige Financial on a XXXX XXXX has been paid off in full Ive received the title yet Prestige financial has not updated the status of it being paid off to any credit bureau and I want this corrected. Its still showing open and even late past XXXX days. I want them to correct the error
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have Fraudulent accounts on my report. Please remove these accounts from my credit report. they are hurting my ability to obtain credit.. 

The accounts as foolows XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$7300.00} XXXX XXXXXXXX XXXX  Reported : XXXX XXXX, XXXX {$7100.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$16000.00} XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$490.00} US DEPT OF EDUCATION XXXX Reported : XXXX XXXX, XXXX - {$690.00} In good standing
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}.
Product: Vehicle loan or lease

USBank Loan # XXXX I paid the loan off on XX/XX/XXXX ... including additional monies where a credit is owed. 
Based on Texas DMV site, Lien Holder must release loan within 10 business days. 

I have reached out to USBank with no response from their end on type of title ( Electronic or Paper ) and the amount of they owe me. My bank statements and screenshot on USBank 's site shows the payoff. 

In the meantime I have reached out to Texas DMV on my title information and have described same scenario, and should have response early next week. 

I would like a response from USBank on why the delay on both matters. Money owed back to me and my title since they are no longer legally a lien holder on my vehicle. 

I am attaching the last screenshot I made before having my account closed out online. Shows the payments made onXX/XX/XXXX. The amount they are showing owed is same exact payoff amount their phone system gave me. I paid the extra {$70.00} in case their system was incorrect like the last complaint I made with same company. 

Respectfully, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I used an ATM located inside a XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX The next day ( XX/XX/XXXX ) I left for XXXX, NY ( ticket receipt attached ). While in XXXX I used the same card ending in XXXX ( photo attached ) to make several transactions. I returned from XXXX on XX/XX/XXXX. On XX/XX/XXXX I went to the store and attempted to use my card ending in XXXX and the transaction was declined. I logged onto my account and discovered the balance was XXXX ( XXXX  ). I reviewed the transactions and noted that there were XXXX unauthorized transactions totaling {$5600.00}. This amount does not include all of the transaction fees that had accrued. The transactions occurred over a 6 ( six ) day period at 10 ( ten ) different locations ( transaction list attached ). I called the card company immediately after discovering turned off the card and filed a dispute claim. The card company responded on XX/XX/XXXX claiming that the disputed transactions were not found to be errors and funds would not be credited back. They noted that these transactions were authenticated with CHIP and PIN. But the card that was issued does not contain a chip and is a swipe only. I then filed a second ( 2nd ) level dispute providing copies of my airline tickets, police report XXXX ( can provide ), and photos of the card showing no CHIP. This issue remains unresolved.
Product: Debt collection

XXXX XXXX Charged Off alledged debt on their Business Taxes under my Name and Social Security Number as a Profit Gain/Loss and failed to provide me with a 1099a Copy as is required in accordance to tax Laws. Also XXXX XXXX Violated Gramm- Leach- Bailey Act 15 USC Section by sharing Unauthorized Access to Customer Information without supplying the Customer with the option to opt out prior to sharing Non Public Financial Information with a third Party. Also failure to send me a copy of the 1099a when XXXX XXXX filed it's Tax Returns is clearly Tax Fraud! Under 26 U.S. Code Section 7203 Willful Failure to file return, supply Information, or pay taxes. Also under 453a ( c ) ( 1 ) shall report any portion of the Installment sales obligation to pay interest on the deferred tax liability at the close of the taxable year.
Product: Vehicle loan or lease

Kia Finance America has not released the title to my car. They have not accurately recorded information on the Kia Finance Website, and with credit reporting agencies. I have sent in Certified Fund to discharge the obligation in the amount of {$22000.00}. Furthermore there is no longer a Lien on my property and Kia Finance America has not sent the release document to the state transportation agency so that the title of the car can be updated and transferred me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not do their due diligence in fixing the billing error on several accounts they are reporting as ever being late. I never gave XXXX permission to reporting any private information on me as a consumer. What they are reporting is actually causing me harm. All data furnisher needs to have verifiable proof that they obtained either verbal or written permission to report late payments on my consumer reports. How can they legally modify or verify information that should not be there in the first place.
Product: Checking or savings account

MidFirst Bank is engaged in systematic discriminatory behavior through its marketing and account set-up processes. 

As a citizen of the United States who was targeted by online marketing regarding " Vio '' online savings rates, I attempted to open a savings account which was declined, to which the bank when I called would provide no information as to the reasons why. Their explanation was that the process was controlled by XXXX and they had no control and no insight as to the reasons. I called XXXX at the number provided and they said they could not provide me the specific reasons, but rather required I order a credit report. I have an 800+ credit score and exemplary experience with deposits so this is alarming to me. 

Concerned that MidFirst bank is engaging in discriminatory behavior, I then called XXXX to inquire about the bank 's compliance with the Community Reinvestment Act. Financial institutions compliant with the CRA are required to make the location of their public file available to the public upon request. I made this call on XX/XX/2019 at XXXX. The agent referred me to XXXX XXXX XXXX which has to do with mortgage lending, but not the the actual CRA compliance file. They then said they would mail me a copy. 

The fact that this financial institution is able to engage in discriminatory behavior operate outside the bounds of it's federal charter to " serve all members of the community '' needs to be investigated and remedied by the federal government.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also your bureau 's indifferent approach to managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. I have received minimal communication regarding the status of my disputes, and the responses have been generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, please take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A wire from the XXXX XXXX was sent to our account : XXXX XXXX XXXX forXXXX. Unfortunately the last 4 digits of the account got mixed up and was noticed and the originating bank tried calling it back. Chase, eventhough the name on the wire didn't match the account name put it in someone else account and refused to allow chase to take it back. Chase investigated and sent us a letter saying CFPB or FTC or FBI needs to handle it.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order Against Bread Financial XXXX Comenity Bank ), XXXX, XXXX, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against Bread Financial ( Comenity Bank ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information.

The crux of the inaccuracy in Bread Financials reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, Bread Financial continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, Bread Financial unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. Bread Financial has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for Bread Financial.

Moreover, Bread Financial failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Bread Financial immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Bread Financial, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission ( Bread Financial Commission file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I am appealing for assistance after the death of my son and his vehicle repossession. We are stuck in limbo while waiting for documentation from probate. our probate date is XX/XX/2024. While we are legal representative and legal heirs Chase auto finance has repossessed the vehicle ( XXXX XXXX ). Our frustration is there no protection to hold sale of the vehicle for a few weeks while we get the documentation? I had been in communication with them since our son passed without a will ( XXXX, XXXX and XXXX ). We are really at a loss how to proceed. We have notified of our intent to pay in full once we know amount and procedure. We demand contents of the vehicle to be preserved until we have proper paperwork. Do we have any legal rights during this process? Please assist in anyway to hold vehicle from being sold until we get proper paperwork ( this is likely only XXXX weeks away ). This is compounding our grief to lose the contents of his vehicle ( which are items we had just removed from his living space ). it is a heartbreaking scenario where it seems the law is on the side of Chase Auto Finance. I am not sure what documents would beneficial. Please advise. We have not yet received letter of notification of sale ( which should be address to our son ). We have provided written documentation to Chase indicating intent to pay, payment made, notification of probate date, and request to hold vehicle and possessions.
Product: Debt collection

Wakefield & Associates has put a collections on me on a debt that I do not own nor have knowledge of. 

This debt is reporting with all credit reporting agencies. I am asking for this collection reporting be removed from all reporting agencies. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX.
Product: Credit reporting

the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency