23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with Ulta for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : Account XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

I recently applied for an American Express card and it was denied. By submitting my application they are now able to transfer and make money off of it, and yet they have not offered me any compensation for that. Per the SEC Filing Trust Agreement it shows the application was turned into a security therefore can not be denied. This company has committed fraud by not giving me an account with them.
Product: Credit card

I have a Capital One : Credit card Savings account Checking account Yesterday, Friday, I withdrew funds from the savings account and the checking account and made payments on the credit card before XXXX ET. I am attaching one of the confirmations. 
Capital One posted my payments, but will not make the funds available for me to use until XXXX XXXX, at least 12 hours after the transactions posted to my account. It is now XXXX XXXX. 

I do n't know what is happening with my money, at this moment. The bank has it, and is not making it available to me. I asked the bank what is happening with my money, and the bank was not very detailed in their response. See the attached chat transcript. 

Absent more information from the bank, I can only assume that they have taken my money and are lending it to someone overnight, getting interest on it, and not sharing that income with me. In other words, it appears to me that the bank has converted my money to their own use, without my consent, and is profiting from it without paying me for the use of my money. 

This is analogous to a homeowner with solar panels. Sometimes the homeowner uses the energy and sometimes it goes to the power company - the power company uses it and pays the homeowner. In this situation with Capital One, sometimes I get to use my money by using the credit card and sometime Capital One gets to use my money. Like the power company pays the homeowner, Capital One should pay me. 

I would like to get paid for the bank 's use of my money. 

When I was filing this complaint, I was asked to identify the bank. I noticed there are many Capital One entities. I do not know one from the other. So, I am attaching the " Contact Us '' information from the website and a screenshot that shows the URL and the bank 's chat welcoming screen.
Product: Money transfer, virtual currency, or money service

i am formally writing my concerns to express my dissatisfaction with Zelle and their services. They told me lost funds are impossible to get back and that I'm basically on my own. It is frustrating that no check system is in place. I noticed the CFPab also agrees that zelle neglects to protect consumers and doesn't do a good job resolving issues, and leaves us suseptible to scammers. The lack of accountability and transparency is unacceptable especially when dealing with hard earned money.
Product: Vehicle loan or lease

Statefarm held my car loan which was paid off by me in 2021. I never received a lien release certificate from them. I am trying to sell the car now in Washington state and the dealership requires a lien release.

Statefarm after contacting them multiple times has not endured that I received the lien release so that I can sell the car. As per statefarm they mailed the lien release on XX/XX/XXXX and until XX/XX/XXXX I have not received any documents and they are not even sure if the document has a wet signature when I called them on XX/XX/XXXX. Upon lot of discussion and pushing them to send an important and time sensitive document in a reliable way. They asked me to send a overnight prepaid shipping label which I did send on XXXX out of my pocket and associate told me that they will mail it out today but they haven't sent it as USPS tracking shows that its not picked up by USPS. Statefarm is not taking any effort to send me a basic document and wasting my time and money.
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

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

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was paid referred and it was paid in full. I would like for this to be removed immediately from my Transuion report thank you.
Product: Checking or savings account

I am filing this complaint against Navy Federal Credit Union due to overdraft fees. Despite having the sufficient funds when purchases were authorized, I was charged overdraft fees due to lagging posting of charges. I believe these practices to be unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and Transunion and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and Transunion but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.
Product: Vehicle loan or lease

Santander shows 7 late payments on credit report, asking for forgiveness on late payments promised to be on time moving forward until end of loan, trying to buy house
Product: Mortgage

We were having mortgage troubles before the Pandemic, as I am XXXX XXXX and my husband was not getting many hours at work ( now he is XXXX ). I was catching up as often as I could with the mortgage and making several payments at one time, in most cases. I had made a few payments during the pandemic, still trying to catch up. On XX/XX/XXXX I made two payments. By my calculations, I was still behind and needed to catch up with more payments. I saved for few months to be able to do this. I received a letter from XXXX, our mortgage servicer, stating that they were offering a modification ( which I had not applied for ) and that I would have to make the new payment by XXXX It is a trial modification and after three months of on time payments, it is permanent. I have a modification in place from a prior servicer. I wanted to ask some questions, before committing to this. It is now XX/XX/XXXX and I have not heard back from my email, dated XX/XX/XXXX, which was the day after I received the letter. 

I have some specific questions that I need answered : Mainly, are they including the {$1800.00} in payments I made on the same day as their letter? 

I just need clarification before accepting and I feel that it is the servicer 's responsibilty to answer these questions before I commit to something that I don't have enough information to understand. I will not be forced into a corner, when I have protections in place to not even have to pay my mortgage right now. I am in Calfornia, in XXXX XXXX county which is in an area with a very high infection rate. I may not be able to continue to work, if the state is shut down like it was previously, so I need clarification. ASAP I will not accept this modification with out adequate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

Dont recognize and arent familiar any of these inquiries
Product: Credit card or prepaid card

Citibank N.A. back inXX/XX/XXXX closed 3 of my credit card accounts. ( 2 MC and 1 Visa ) account. The accounts were in good standing and had small balances due. A letter was received from the Executive Response Unit of Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Then just yesterday I received another similar letter notifying me of the closing of a fourth account, a Costco Visa card, belonging to Citibank. No reason was given for the account closings other than the bank has the right to close my accounts at any time they choose to. <P/>I contacted them in writing and I received a response repeating the same information, the bank has the right to close the account at any time. No other reason was given. The AAdantage Executive card had a {$350.00} annual fee. I requested a prorated refund of the annual fee and this was denied. All account balances were promptly paid within terms. <P/>Additionally, back in XX/XX/XXXX, Citibank closed my personal checking account, a business savings account and two business checking accounts. They refused to provide me with any reason for the account closings. These accounts had be active and open for over 15 years. All of these accounts were in good standing. My business is a reputable company, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and we have been in business since XXXX. We have never been involved in any fraudulent litigation, we are proud of the excellent business reputation we have in our industry.
Product: Vehicle loan or lease

On XX/XX/XXXX I rec 'd a letter from XXXX XXXX Assistant VP of SunTrust Bank, where she lied once again about my XXXX score on XX/XX/XXXX. The score verified by XXXX was XXXX on that date, yet XXXX continues to lie and say it was XXXX. She blames a screenshot I provided supposedly from XXXX XXXX. I am asking XXXX XXXX to provide ALL documentation that SunTrust rec 'd on XX/XX/XXXX with the credit score she is currently still LYING about to me and to the CFPB. 
Furthermore I do hope the CFPB can see this continued lying and lack of disclosure XXXX XXXX is using in an effort to pass this off. She is lying, Suntrust has lied and has tarnished my Credit Score into something it is not. 
I am asking XXXX XXXX to submit the XXXX report to me as she stated with a date of XX/XX/XXXX showing my score was XXXX as she stated, or admit she has lied.
Product: Student loan

sallie mae promised forms for my doctor to fill out because I am XXXX and so my husband, the loan can be forgiven, then they took it back, they lied to myself and husband, now threaten to ruin our lives financially, the rude employee XXXX, said she didnt care about helping us they are violating a cease and desist with constant robot calls my son told they work out a payment they want XXXX per month on XXXX at high unsteady if 12 % they loan sharks. The school didnt tell us it was private loan they are predatory, I can pay XXXX per month on XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the XXXX  case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report.

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the XXXX  case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 
These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.