23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I lost my job in the past and because of that my credit was affected. My car was giving me problems so I had to purchase another car. The dealership charge me more money than the car was evaluate for. And its hard for me to comprehend how capital one charge me an interest rate of 23 % for six years and the payment is so high that I cant even pay it so this car was not even good it starting me giving me trouble and I have to purchase another car. I call capital one multiple times evening can we do use the interest-rate which is 23 % but they kept saying they can not help me with that matter. I want to see how your bureau can you help me with that matter because it really bothered me to see that high interest-rate because my credit is better now I have another call at 4.62 % but this other one thats not even good Im still being 23 % on it and I can not even trade it because the value is so low. 
Please see yeah you can help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am a XXXX XXXX of the post XX/XX/XXXX war. 
I suffer from life threatening conditions that require me to travel to my local XXXX and at times to other places for XXXX. 
The Department XXXX XXXX XXXX has a travel program that reimburses XXXX for travel. Those funds are supposed to be distributed to me. 
I reached out to USAA after contacting my Congressman when the funds were not given to me. It about {$1000.00}. I had to use my credit cards with high interest rates to get gas and basic things because of this error. 
USAA did not do anything. On XXXX XXXX they sent me an E-Letter indicating they would do nothing. 

I still had not been paid travel. I had to cut doctors appointments for XXXX SHOT. I had severe bruising and couldnt go to the doctor because I had no money for travel. 

They were sent funds with my name on it but a wrong account number. They gave someone my money. Instead of doing the right thing and looking they made me suffer for no reason. 

They are negligent to say the very least. 
I want be recompensed for their stupid XXXX actions. 

XXXX transactions ranging from {$83.00} to {$44.00}. Paid on XX/XX/XXXX and XX/XX/XXXX all through out the month of XXXX. 

They stole from me. Why? What did I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit reporting agencies XXXX, XXXX, and experian have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Hello, I recently contacted XXXX, XXXX, and Experian and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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 an account without my written instructions.
Product: Bank account or service

I have a checking account with JP Morgan Chase ending in XXXX. 
I use this account for my Social Security XXXX direct deposit. 
Financially things are not good for me ; I just received a Chapter XXXX Discharge of debt and I live check to check. 
Every now and then I get hit with an overdraft because certain transactions charged to my account as charge not a debit are deducted from my account and then a few days later the charge completely disappears from online statement and is credited to my account as usable funds and then pops up in the ledger again for the final charge against my account. 
My branch tells me the problem is created on the merchant 's side The most recent occurrence I even called the bank to inquire if I had any outstanding charges against my account that were not itemized and any amounts that were not included in my balance. 
I was told by customer service that according to their ledger I had enough money in my account to cash the check to transfer my money to another account for my mortgage payment. 
Chase has always been good to me and reimburses the OD FEES, but they limit their customers to XXXX in a one year period, My complaint is not against the bank nor the merchant, it is the procedure that I feel needs a look at. 
My other bank, a credit union, does not alter the usable number, all transactions are withheld from my account and the ledger shows a greater total but a lesser usable amount especially if the merchant enters the transaction as charge and not a debit ; my total amount and usable amount even up when all transactions have actually been paid ; this is the fair/upfront way of managing the accounts of the customers. 
That is my complaint/inquiry.
Product: Debt collection

I took out a debt consolidation loan with XXXX XXXX XXXX in XXXX XXXX, CA. They took my pink slip to my car as collateral. The payment is due on the XXXX but is not considered late until the XXXX. However, the company starts calling incessantly between the fist and the eleventh. I mail my check to their headquarters back east. They would prefer I call and make a payment over the phone. I feel they are harassing me. I have asked them not to call me anymore, but they persist. I had to block them from my cell phone, but they persist in calling from an unknown number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names and addresses are reporting on my credit report. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXXXXXX SANK XXXX XXXX, has violated my rights. 

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
Product: Checking or savings account

I received an email on my parent 's email that Wells Fargo has opened an checking account in my name. I have not opened any account in my name with their company. I called and they froze the account in question and opened some sort of case. I was transferred to the fraud department and when questioning them as to how the account could have been opened without verifying my identity, they cold transferred me back to the customer service line and are not explaining how they could issue an account without verification. Upon calling back to the company, the representative from the fraud department said that they wouldn't be able to give me any information on the account until the fraud department closes the case in which they may contact me if needed. This seems like a violation of some anti-money laundering laws and consumer protection acts regarding financial institutions. It's also extremely shady to not be able to give information out to me regarding an account they saw fit to issue in my name. They had enough to approve the account but can not give the information to the verified individual on the phone. I have no recourse as to next steps and they didn't tell me how they would fix the problem. I would like a resolution to their error and an understanding of how they can issue accounts without verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report account late after being paid off.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I, XXXX XXXX, consumer, am submitting this communication to inform Navy Federal Credit Union that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. 
In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.
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.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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.
Product: Student loan

- notified that my loans were forgiven on XX/XX/XXXX - my effective discharge date is XX/XX/XXXX - Mohela will not provide me with the following information - access to my payment history for the life of my loans - amount of refund I should expect
Product: Credit reporting or other personal consumer reports

About XXXX weeks back, I contacted Experian and XXXX for forms and information regarding my name change. I even sent all the necessary documents, clarifying that my SSN XXXX remains the same. Unfortunately, there's been no progress in merging my credit scores or updating my information. I need action to obtain a house loan. I need your help to resolve this issue. My credit details are still under " XXXX XXXX '' and haven't been updated to " XXXX XXXX. '' Your assistance in this matter would be greatly appreciated! 

XXXX XXXX XXXX ( merge to ) XXXX XXXX XXXX Phone # : XXXX SSN # : XXXX Address ( Current ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX KY XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX Previous Address : XXXX XXXX XXXX XXXX KY XXXX
Product: Debt collection

Today, Global Radius Solutions contacted me again at XXXXXXXX XXXX  attempting to collect a debt that I do not recognize and is not mine.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8200.00} XXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX sold a loan that had been paid off for years to Firstmark services. They threatened to report my account to the credit bureaus if I didn't pay and will not send me any documentation pertaining to the loan. Under this threat I had to pay off the loan immediately
Product: Debt collection

I got a bill amount of {$63.00} from XXXX on XXXX/XXXX/2015 for the internet services which is unpaid at this time. 

Here is what happened - I took internet connection at my apartment with XXXX on XXXX/XXXX/2015. After installation, I started having problems with internet connection coming in and out. 
I called up XXXX Customer Care multiple times and they created escalated tickets ( Number - XXXX ), work orders ( XXXX, XXXX ) and sent technicians XXXX times to my house but none of them were able to fix the issue. 

I was also told by Customer Care that XXXX will credit {$20.00} for every technician visit if the issue is unresolved. 

Bad internet connection affected my office work ( because I work from home ) and I was so much frustrated that I had to disconnect XXXX services in less than a month on XXXX/XXXX/2015. 

Then, I got a bill from XXXX on XXXX/XXXX/2015 stating that {$63.00} is outstanding on my account. 

I did n't pay this amount because I feel as a consumer I did n't get the services which XXXX promised to provide when the new connection was taken. I called up XXXX Customer Care multiple times to waive off charges on my account, but they did n't bother to act on my concerns. Now, collection guys are threatening me to pay off balances otherwise it will be reported on my credit history. 

I have never defaulted on my payments for loans, credit cards, utilities in the past and have a clean credit history. I feel I have been cheated by XXXX and need CFPB to help me with resolving this issue. Thank you for your consideration and support in advance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from XXXX XXXX alerting me of a new inquire that was made on my account. I have not given anyone authorization at all in the last 6 months to run my credit. I logged in to my XXXX XXXX account and saw that today XX/XX/2018 XXXX ran an inquiry on my credit and then that XXXX XXXX ran one XX/XX/2018 as well. I did NOT give authorization for either of these companies to run and inquiry on my credit what so ever.
Product: Debt collection

XXXX hired Mandrich law group to contact me. The firm has contacted me by mail, and phone informing me that they are a law group hired by XXXX. I informed them I am a single parent of XXXX children I have been in and out of work. One representative was so rude to me that I hung up because he was so disrespectful. Today XX/XX/22 at XXXXpm a female op called I called her back and she was quiet over the phone and I explained my situation and how her reps were rude. I am single parent of XXXX kids I am trying hard to do my best but these contact calls and mail letters are a form of harassment.
Product: Checking or savings account

I have juno as my direct deposit account looks like they going on dispute with some bank and they are holding my money due to this situacion in behind in my paiment and tje loger the hold my funds the worst
Product: Checking or savings account

I was charged overdraft fees by Navy Federal when I had available funds
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.