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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XX/XX/2019, I scheduled a payment in the amount of {$1100.00} which was the payoff amount on my CITI Bank credit card. During this time, I also made payment to other accounts including my mortgage payment and other miscellaneous debts. The following day XX/XX/XXXX, I noticed a withdraw from Citi Bank twice for the same amount totaling {$2200.00}. I contacted Citi Bank that day to have them resolve the issue only to be told that it will take 3-5 business days for the money to be returned. This delay for the return has caused major ripples in my finances with return of payments and late fees all due to a possible glitch in the mobile App used to make my payment to Citi. Not to mention the credit blemishes for late payments that will develop. The first Rep. that i spoke with insinuated that i made the mistake of making the payment twice, but after speaking with someone else, I was told that the two transactions happened within seconds of each other a proceeded to take ownership of the mistake.
Product: Credit card

I received a letter ( attached ) dated XX/XX/XXXX, from Capital One, with whom I have been a customer for many years. I add here that I have NEVER had a late payment and have had months of " no activity '' on this card over the years, because I do not like to use credit cards. And I am very proud of my XXXX credit score. 

The letter states that " over the last several months, the balance on this account has been significantly lower than your credit limit. Because of this, your credit limit could be decreased following this review. '' I sincerely paid no attention to this letter after reading it because I felt it was just another " ploy '' to have me rush right out and use the credit card ( the " could be decreased '' was my decision point to take no action ). Again, my payment record has been pristine and I admit I do not use the card very much. The letter said I had until XX/XX/XXXX, to opt out. I did nothing. 

On XX/XX/XXXX, I received an email ( which I regret I deleted ) to inform me that my credit limit of XXXX had been changed to XXXX. While unto itself this is not a life or death situation, as soon as I began to XXXX the potential impact this change might have on my STUNNING credit score - which contains heaps of the negative reasons why credit limits are lowered/impact your credit score but nothing about the positive of " you use your card wisely and the credit card company doesn't like that '' - I immediately called your number. 

I do not think it is FAIR in any way to have Capital One lower my credit limit because I am RESPONSIBLE with my use of their credit card. My motivation for filing this complaint is twofold : To ask how that this is even allowed to happen in the first place for my specific " uses credit wisely '' situation AND that this change may negatively impact my credit score!! It is NOT fair to me, as a responsible credit card holder, to now have a greedy company take actions that may negatively impact my credit score.
Product: Credit card or prepaid card

US Bank allowed 3 charges to be made by XXXX XXXX XXXX in the amount of {$62.00} each for a contract that was not renewed. In addition the charges were made on an expired credit card. I contacted the bank and sent them proof these were unauthorized charges but they refuse to remove the charges. In addition they have now charged me an additional {$29.00} as a late payment charge for not paying the fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Debt collection

I have repeatedly reached out to national credit systems for more information on the debt appearing on my XXXX, XXXX and XXXX account. I have called and the debt quoted to me does not match what is put online. I have tried to call original company and it is not working.
Product: Checking or savings account

they closed my account after years unnecessary over draft and late fees and now can not show me documents of my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX entity of financial institutions. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.
Product: Debt collection

Check into Cash has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
XXXX XXXX XXXX is the current debt collector.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx. 
XXXX XXXX XX/XX/year> CCM Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear CCM Finance, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone opened a checking account with Arvest Bank using my information. The person apparently tweaked my name. Instead of using XXXX XXXX , the person used XXXX XXXX to open the account. Fortunately, I received a letter from the bank confirming a request for overdraft coverage for account ending with XXXX. The letter is addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I called Arvest Bank and I was informed that they had already determined that the account was fraudulent and they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that KLS Financial Services has refused to respond to my requests for documentation and information regarding a debt they claim I owe. They have also stated that they are not licensed to collect debt in the state of Mississippi, yet the only states that do not require a license for debt collection are Georgia, Kansas, Kentucky, Michigan, Missouri, Montana, New Hampshire, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Vermont, and Virginia. 

I am concerned that KLS Financial Services may be operating outside of the law and taking advantage of consumers. I am also alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating accounts. This is currently being investigated by the FTC. 

Under the laws of the United States, I swear that the information I have provided in this letter is true and correct to the best of my knowledge. I am permitted by federal and state law to file this dispute, and any misstatements in this letter are punishable as perjury under 18 U.S.C 1001 and 18 U.S.C 1621.

I request that the CFBP take action to investigate KLS Financial Services and their practices, as well as assist me in obtaining the necessary documentation and information from them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Servicers ) Credit Bureaus Involved : Equifax, XXXX, and XXXX XXXX Account XXXX : XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX with Inaccurate Reporting Account Ending in XXXX Reported Balance : {$8800.00} Last Payment Date : XX/XX/XXXX Issue : Incorrectly reported as active and delinquent despite being in forbearance. 
Account Ending in XXXX Reported Balance : {$2100.00} Last Payment Date : XX/XX/XXXX Issue : Incorrect late payment reporting despite CARES Act protections. 
Account Ending in XXXX Reported Balance : {$1500.00} Last Payment Date : XX/XX/XXXX Issue : Erroneous late payment reporting during XXXX forbearance period. 
Account Ending in XXXX Reported Balance : {$3400.00} Last Payment Date : XX/XX/XXXX Issue : Incorrect delinquency reporting in violation of CARES Act protections. 
Complaint Summary I am filing this complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX and XXXX, as well as Equifax, XXXX, and XXXX, for improperly reporting late payments on my federally owned student loans during the XXXX forbearance period, in violation of the CARES Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 

Despite federal protections, late payments were reported on multiple XXXX and XXXX student loan accounts between XX/XX/XXXX and XX/XX/XXXX, negatively affecting my credit score. 

Issue Details CARES Act Violation : Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ), all federally owned student loans were placed in automatic administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX, with 0 % interest and no payments required. 
No late payments should have been reported during this period. 
FCRA Violation : The FCRA ( 15 U.S.C. 1681 ) requires credit reporting agencies and loan servicers to ensure the accuracy of information reported on consumer credit files. 
XXXX and XXXX failed to report accurate information, leading to unjustified negative marks on my credit report. 
Harm Caused : These false late payments have severely impacted my credit score, affecting my ability to : Secure loans or credit cards. 
Obtain favorable interest rates. 
Maintain financial stability. 
Requested Resolution I request that : All incorrect late payment records for my XXXX and XXXX student loan accounts during the XXXX forbearance period ( XX/XX/XXXX XX/XX/XXXX ) be removed immediately. 
My credit report be corrected with all three credit bureaus ( Equifax, XXXX, and XXXX ) to reflect accurate payment history. 
XXXX and XXXX provided a written confirmation stating that my credit report has been updated and all erroneous late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Checking or savings account

As someone who lives paycheck to paycheck, it is already difficult to make ends meet. Navy Federal Credit Union makes it even harder with their non sufficient funds fee of {$29.00} every time someone tries to debit money from my account that I dont have. Transactions as low as {$1.00} attempting to come out of my account, have cost me hundreds of dollars in XXXX  fees, instead of declining a transaction like they would do if I was in a store and did not have enough money for the transaction they just keep charging my already negative account {$29.00} repeatedly. They dont even pay the charge that tried to come out, which usually is the case with overdraft. So not only does the charge decline, not get paid, I in addition to that owe my bank now as well. Its not right, its not fair, and its creating more debt and less money for bills and food. On top of that they charge an additional dollar for using an ATM that is not one of theirs, so if I need {$20.00}, I have {$25.00}, the ATM charges me {$3.00} for their fee, then my bank charges me another dollar on top of that as what feels like a punishment. These things cost XXXX XXXX nothing, but me the account holder everything. How are these fees legal?
Product: Vehicle loan or lease

On my XXXX statement Hyundai Motor Finance ( HMF ) started charging me sales tax on my leased vehicle ( following my move from MD to NM ). However, since I initially leased my vehicle in MD, I paid all the sales tax on the full purchase price of the vehicle up front. I started calling HMF in XXXX to resolve this issue, and now, in XXXX of XXXX, they STILL have not removed those fraudulent charges. 

Back in XXXX of XXXX I was told by someone in Customer Service that all I needed to provide was documentation from the NM  DMV to prove that I owed no tax on the vehicle. I faxed that documentation ( my Application for Vehicle Title and Registration ) on XXXX and called shortly thereafter to confirm it was received by their sales tax department. That document ( signed by the MVD ), explicitly states that the tax due on my vehicle is {$0.00}. However, on my XXXX statement I was AGAIN charged sales tax. 

At this point, I have been lied to numerous times by different people working at both HMF Customer Service as well as their Collections department. I have been told at various times that they are collecting sales tax for the state of NM, the XXXX XXXX XXXX  XXXX, and even the state of MD. None of those are true, as evidenced by both the DMV documentation I provided, as well as the fact that HMF started charging me this additional fee in XXXX of XXXX, while the vehicle wasn't even registered in NM until XXXX. 

Now HMF has escalated to harassment - I get calls almost daily from their collections department, and when I try to reach back out to Customer Service to figure out why they haven't removed the illegal sales tax charges, I always get routed to Collections. Even worse, when I talk to Collections and ask them to transfer me to a Supervisor or Customer Service, they tell me they won't unless I pay the " past due '' amount. Now I am literally being extorted for {$90.00} just so that I can talk to Customer Service and ask them why they haven't done their job. 

In short, HMF has been dishonest, harassing, and illegally charging me for " sales tax '' for over 6 months. I need help resolving this issue, because HMF is unwilling to acknowledge the fact that they are extorting me for money that I do not owe the state of NM.