23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I certified mailed ONE MAIN FINANCIAL an affidavit along with other proof regarding a billing error dispute for a statement dated XX/XX/2022 for the amount of the credit balance greater than {$1.00} along with the past, current, and future payments along with proof that this company has used my credit card fraudulently. I have in good faith provided the facts in accordance with my federally protected consumer rights. The affidavit was notarized on XX/XX/2022. I also mailed an invoice for {$20000.00} to be paid to me via check for the violations of my consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

I had bought some furniture from this company called acima, with a 90 day pay off option. 
We are XXXX XXXX XXXX and nothing was established in the agreement with Acima and my husband and I. They did not disclose the MLA, then overcharged us for a {$1900.00} purchase, and said that if the 90 days the product was not paid off, then we would have to pay {$4000.00} for our product. Spoke with customer service and customer service told us that they have a 35 % agreement ( which was not explained nor spoken about prior to entering the agreement ) and failed to give us our MLA rights to our purchase.
Product: Debt collection

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!
Product: Credit card or prepaid card

In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX  ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. 

I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. 

They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. 

I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. 

I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 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: Bank account or service

I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.
Product: Debt or credit management

I never sign no type agreement with LVNV Please have them provide ( wet ) Orginal purchase Agreement
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX to XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX XXXXl to work and XXXX XXXX XXXX XXXX XXXX I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Product: Checking or savings account

USBank failed to notify me of a dormant account and proceeded to charge fees on account before I was able to close it. I submitted a transfer to try to not get a few charge and they would not reverse or waive charge. My wifes account was also charged a fee when I tried to close before the fee was charge. US bank said there is no way they can waive the fee and I am still unable to close the account because they failed to reactivate the account to close it and in that timeframe was when the dormancy fee was charged. I am yet to successfully have that account closed.
Product: Credit reporting

I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Arizona, XXXX ] [ XX/XX/year> ] Experian Information Solutions , Inc . 
Dispute Department RE : XXXX XXXX XXXX Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under FCRA As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal Law Thereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and anv relevant supporting documents are enclosed to facilitate your investigation If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Reviewing my credit report, I noticed multiple errors in the " personal information '' section. 
These inaccuracies have resulted in my inability to pass specific identity verification questions from creditors and companies. This has caused me undue stress and affected my ability to obtain credit. 
I ask that my personal information be listed as follows : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Employer : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX Please remove ALL personal information obtained, including variations and/or misspellings of my name and any address other than the one listed above. I have attached copies of my ID and my most recent utility bill, which verify my identity. 
I appreciate your cooperation in this matter, and I look forward to your response. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX CHEXSYSTEMS is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood and ability to obtain a bank account. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and nohother. You dont have my written consent to communicate about this alleged debt. 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non personal information.
Product: Debt collection

I am filing a complaint against Jefferson Capital LLC regarding their failure to provide adequate debt validation after I requested it. I have previously asked for validation of a debt they claim I owe, but the information they provided is incomplete, inaccurate, and does not meet the legal requirements. Specifically, the documents they sent fail to prove that they own or have the right to collect on the debt, and they did not provide the necessary details, such as the name of the original creditor, a full payment history, or any proof of assignment of the debt.

In addition, I believe they have violated both the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ) by failing to provide the appropriate validation documentation. According to Texas law, they must show proof of ownership of the debt and detailed documentation of any changes to the original amount.

Furthermore, I am concerned about how Jefferson Capital LLC obtained my personal information, as I have not consented to the purchase or sale of my data related to this debt. Simply having my personal information should not be grounds for pursuing legal action or reporting the debt to the credit bureaus without proper documentation. 

I have asked Jefferson Capital LLC to cease collection activities until they can provide the necessary documentation to validate the debt. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Jefferson Capital LLC is held accountable for their failure to comply with debt validation laws.
Product: Credit card or prepaid card

I called in XXXX to pay the balance over the phone. I paid the balance. I received a bill in XXXX for a {$2.00} " fee. '' I called and they couldn't give me an adequate explanation for the fee so they waived it and it brought the account balance to {$0.00}. I have now received the XXXX bill and it is for {$6.00}. That is the original {$2.00} fee plus another {$2.00} fee plus a late fee of {$2.00}. I called Comenity Bank customer service AGAIN and asked to speak to a supervisor. I was told there were none available and they didn't know when they would be available and I would have to keep calling back as the customer service representatives are not authorized to waive anything.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account XXXX XXXX Account : XXXX XXXX Account # XXXX XXXX Account : XXXX Account # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Wells Fargo my " account originated as a 30-year, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Product: Student loan

Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.
Product: Credit reporting

I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all XXXX credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy under 15 use 1681. 
account number XXXX company XXXX account number XXXX XXXX XXXX  account number XXXX account number XXXX XXXXXXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 use 1681 eb.

And according to 15 USC 1681 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation and promptly notify the finisher of the information that the information has been modified or delete from the file of the consumer and according to 15 use 1681s 2 they are suppose to not finish any information relating to a consumer tonally reporting agency if the person knows or has reasonable cause to believe that the information 's inaccurate.