23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX in regards to a notice of data breach and my personal information being stolen, compromised and used. The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are all from the XXXX XXXX XXXX XXXX, fraudulent, unauthorized and not my credit card or personal loan accounts : 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
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having significant funds when transaction were authorized. I was charged fees due to lagged posting of charges and credits. This is aligned with the recent CFPB findings against Navy Federal for similar practices when transaction settled in insignificant balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. 
I have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.
Product: Credit reporting or other personal consumer reports

SOUTHEAST TOYOTA FINANCE ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information SOUTHEAST TOYOTA has violated my rights and failed to protect my information by sharing my personal information with XXXX parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated XXXX party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a XXXX party XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy SOUTHEAST TOYOTA did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through a backround and XXXX check provided by 'CHECKR ', previous driver 's license info was not shown ; report shows current Wisconsin license issued several months ago, but no mention of Illinois driver 's license that was active and in good syanding for many years prior to Wisconsin License.
Product: Credit card or prepaid card

i never applied for this card XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. 

I have filed a complaint with XXXX on an item on my credit report that has inaccurate information. They have replied in XXXX different occasions that they have verified that it belongs to me without explaining their investigation. Account XXXX listed with {$1200.00} debt is not recognizable. They simply respond that the account is valid and they show me no proof of their investigation.
Product: Money transfer, virtual currency, or money service

A few times Ive had money taken from my account was not the correct amount. Ive had my account hacked and money was withdrawn that I did not authorize. I filed a claim. Nothing was done. I tried to contact and speak to a live person. Never got through with a number Just only online communication..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the CRAs ample opportunity to remove this account and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

There is a collection account for {$1000.00} on my Transunion credit bureau from XXXX XXXX that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX i am writing to delete the following information in my file. The items i need deleted are listed in the report. 
i am a victim of identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the the federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

XXXX XXXX XXXX a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.
Product: Debt collection

I am filing a formal complaint against Credit Collection Services ( CCS ) and XXXX for knowingly reporting and attempting to collect an unverified and potentially fraudulent debt, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, CCS reported a collection account for XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, damaging my credit profile. The account reference number is XXXX. 

I immediately demanded validation of this debt under FDCPA 15 U.S.C. 1692g, requesting : 1. A signed contract proving I owe this debt.

2. A full payment history with an itemized breakdown.

3. Proof that CCS has legal authority to collect this debt.

CCS failed to provide ANY validation within the legally required timeframe. Despite this, XXXX continues to report an unverified collection, which is a blatant violation of FCRA 15 U.S.C. 1681i requiring accurate and fully verified reporting.

Violations Committed & Legal Consequences FDCPA Violation Failure to Validate the Debt ( 15 U.S.C. 1692g ) CCS refused to provide proof of this debt, meaning it must be removed immediately under federal law.

FCRA Violation Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681XXXX ) XXXX is knowingly reporting false and unverified information, which is willful non-compliance with federal law.

FDCPA Violation Reporting False or Misleading Information ( 15 U.S.C. 1692e ( 8 ) ) CCS illegally reported an unvalidated debt and continued collection activity without proper documentation. 

CFPA Violation Unfair & Deceptive Practices ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) The failure to properly investigate, validate, and correct this account constitutes an unfair and deceptive practice, harming my creditworthiness.
Product: Credit reporting

My mother is somehow added to my Credit Account. Shes lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax aggravated cyber-cuffing not allowing me to dispute their credit report after I had already been assigned a confirmation number on my equifax profile file on XX/XX/2018. XXXX case number was subsequently requested and submitted with witness of high level corruption discussed X 3 witnesses. My address was correct which got me into my equifax account and the equifax employee subsequently lied stating that was the reason the account was unavailable online and stated it takes 30 days to correct address!! 
INVESTIGATE EQUIFAX!!
Product: Debt collection

his letter is in response to your communication regarding an alleged debt. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide me with the following information : The original creditor 's name and address.

The original account number.

The current amount of the alleged debt.

A copy of the original contract or agreement that created the debt.

Documentation that you have the legal right to collect this debt.

An itemized accounting of the alleged debt, including all charges and payments.

Please provide this information within 30 days of your receipt of this letter. 

Be advised that until this debt is validated, I dispute its validity. If you fail to provide the requested information, I request that you cease all collection efforts immediately. 

Please be aware that under the FDCPA, you are prohibited from continuing collection activities until you provide me with verification of the debt. 

Thank you for your cooperation.
Product: Vehicle loan or lease

Credit Acceptance XXXX XX/XX/2020 To whom it may concern : I have a car loan through XXXXredit Acceptance. My payment is {$400.00} a month. I made payments until Covid hit and missed a couple payments. They would not work with you during the global pandemic. They reported it to the credit bureau and totally destroyed my credit that i was rebuilding. Once we were able to I started making extra payments a month. I was caugh up in one month. When i called to question why my principal did not go down by the amount of the double payment. I was told we dont do that. It is redicilous. 

I was also forced to purchase an extended warranty for the car. Our mechanic had called a few times to get something approved and it is always a no. That was something I was told was supposed to be covered. Nothing was ever covered. 

I would like the extended warranty money refunded, from when i bought the car, plus interest and have that applied to the loan. I would like to have the extra money that i paid applied to the principal. I would then like a final payoff. The reality of the situation is that I have already paid the car off. 

I would also like to know what my next step should be. I will put the payment money in an escrow account. I will not send it to Credit Acceptance. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are from an unknown source. I sent Equifax a dispute letter and an FTC report on XX/XX/2022 and the inquiries are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the creditor, XXXX XXXXXXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to  verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX XXXX, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXXXXXX XXXX, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the months of payments made towards the original balance of {$14000.00} The sale of the vehicle at {$8000.00} plus the amount in collections of {$9000.00} would be over {$17000.00} paid on a {$14000.00} original balance.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

This is causing me undue stress, XXXX  and sleepless nights, as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. This accounts transaction and charges are fraudulent, I never benefited from any of these transactions, but rather it did a lot of damage to me. I filed an FTC report as I was instructed and sent it in but these fraudulent items still remain
Product: Debt collection

I had credit card with capital one about 6 years. When I got really sick and lost job because of my sickness I contacted them and told them I'm willing to pay them as fast as I find new job.I was never before late with any payments.Not once .When I called them and explain situation they say they will put me in some hardship program and when I ask what that is, they explain that that will stop them from giving me a monthly fee.Right..they just forget to mention that that will also close my account with the oldest card I had. After 4-5 months ( when I was always contacting them ) I found a new job and wanted to pay off my debt .I found out from them that they already closed my account as charge off .In a meantime a checked online why my balance was so high .I found out that a was charge for like 2-3 years from some companies money and they never informed me .What made me belive back then that the monthly amount was so high because of the high fee they charging.I calculate all the frauds they allowed on my account from some two company 's I never heard off and all the previous payments I made and I realize that this card should be paid already long time ago or at least not supposed to have an outstanding balance like this .I called them multiple times to come up with some arrangements but they don't want to even talk to me. They hung up when I want to speak with Manager or threatening me with court, or just treat me like a human trash, when I never said I will not pay them .I just want them to came up with a resolution to this amount. Its impossible to deal with them. They ruined me credit history and they don't even care that I was there loyal costumer for the past 6 years.
Product: Credit card or prepaid card

Talked with capital one about disputes. They told me I could file online or by phone. So I did all my disputes online. The company never provided me the login to be able to use the service. However, Capital One refuses to investigate and, instead, keeps sending me documentation asking for more information. I have included all dates I talked to the merchant, the fact they never provided me the service but kept billing me, and all relevant dates and information to substantiate my disputes. 

Instead, they rebilled my card for all disputes even though they made no attempt to contact the merchant to get information. As the merchant refuses to refund me or even provide the original login to use the service.