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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 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: Debt collection

XXXX XXXX in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. XXXX XXXX have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from Synchrony Bank and have changed and updated there connect with me. This debt was closed by Synchrony Bank.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from the Treasury Dept in the amount of {$13000.00} via the app. On Tuesday XX/XX/XXXX I found that my account was locked and I received a message from Ally that there is potential fraud. I called them and the rep explained that its because its my husbands name on the check. He directs me to the form to add my husband as an owner. They said they received it but now they need to hear from the treasury department that it is a legitimate check. I have provided them will all the necessary information that verifies it is a legitimate check and they have all the resources needed to verify government checks. They have given me no timeframe for when this will be resolved and my account will be unlocked and the funds released. Every time I call their fraud department continues to ask me more verification questions which I have answered for them and still nothing. Be careful when doing business with Ally as Ive seen other consumers complain about the same issue of Ally investigating and holding peoples money for an extended amount of time.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX  XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear XXXX, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXAffirm Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Be ing that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX CREDIT 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Navy Federal place a debt on my credit report.I 'm unaware of this debt.I did not have opportunity to dispute this debt.I did not receive proper notification.If in fact you believe I received proper notification, please provide certified mail with my signature stating that I received it.
Product: Credit card or prepaid card

I have submitted a fraud dispute to US Bank Voyager for my Multi-Service " local '' Fuel card # XXXX. I have attached all the documents including the police report. I have rec 'd an email today stating that they are refusing my fraud claim for the following reasons : Your dispute case with Voyager has been denied.

Please see below reason for denial : Proper use of fraud controls were not in place at the time fraud occurred : The Voyager
Network Rules require a daily swipe, daily dollar, and monthly/cycle dollar limit. 

My cards were all replaced as of XX/XX/2022 because the old ones expired. I had a daily swipe limit of 5 and a daily spend limit set. If all parameters reset with the new cards I was not aware. I have called to voice my concerns regarding their denial. NO resolution was offered. This is a large amount for me to be out and I have never filed a dispute with them and have been a customer for years.
Product: Debt collection

I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out because my account has been incorrectly mixed with someone else 's credit information. This is not my account, and it is causing significant confusion and issues.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX  - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions
Product: Vehicle loan or lease

I tried to get a loan for a used car, but my credit was denied after doing the application
Product: Mortgage

" DO NOT CLOSE THIS COMPLAINT '' I have contacted this office on numerous occasions regarding the issues with my mortgage company. Since XX/XX/2014, I have had nothing but issues with how things are handled. I reached out the VA office XXXX XXXX XXXX XXXX to assist me with the loan modification and getting things completed. After receiving the the XXXX package XXXX XXXX XXXX ) from Selene Finance I realize that the documents were expired ( probably the ones that should have been mailed out back in XXXX XXXX and the discrepancies with the information listed. I emailed XXXX XXXX the copies and she agreed that I should not sign them. She advised me that she was working closely with the VA Coordinator from Selene Finance. Shortly afterwards I received another loan modification ( XXXX XXXX ) ; which I returned to Selene Finance unsigned, with a note stating for the XXXX time that XXXX XXXX is no longer on the recorded on the deed of this property since I was advised by previous lender to remove him in order to do a deed in lieu ... if Selene Finance was really doing their job then they would know this already. Before sending the package I tried calling Selene Finance numerous times at the phone number listed on the documents only for the number to be busy each time. I do n't find them to have any concern for resolving my concerns. I thought with all of the incentives that mortgage companies receive for loan modifications I thought this would be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

RE : Fraud and dispute of charges Case XXXX XXXX XXXX XXXX XXXX, I was reviewing my Capital One checking account statements, and noticed an ATM Withdrawal from XX/XX/XXXX for {$110.00} plus {$3.00} fee. 

It immediately caught my eye because WE DONT USE ATMs. There was no way to identify the location other than XXXX, where we live. 

I then went to look at past statements and found additional ATM Withdrawals, all in XXXX except for one in XXXX, WHERE I HAVE NEVER BEEN. 

I contacted Capital One in XXXX ; you cancelled my previous card ( ending in XXXX ) and sent me a new one, crediting my account for the 5 ATM withdrawals that I DID NOT MAKE. I received the new card ( ending in XXXX ) and activated it on XX/XX/XXXX. I have it in my possession and have cut up the old card. 

Today I was contacted via email that the credit is being reversed because your investigation showed that a chip card was used in these locations. How could my card have been used in XXXX, where IVE NEVER BEEN. 

Please review these facts : 1. Again, we dont use ATMs. I cant remember the last time I used one, except twice in XXXX when we were OUT OF THE COUNTRY in XXXX. 
2. My husband is a XXXX  who gets paid in cash ; we always have cash in the house. 
XXXX. I use my XXXX XXXX 90 % of the time, and use Capital One when XXXX isnt accepted. But its always a DEBIT not a WITHDRAWAL. 
XXXX. The only time I take money out is AT A STORE, when purchasing something, I might also ask for Cash Back in small amounts, like {$20.00}. 
XXXX. I am a good customer of Capital One ; I have friends who work there. I have sufficient funds in my account and have no reason to falsify or take the time to argue and fight these withdrawals. BUT WE DID NOT MAKE THEM. 

I dont understand how these things work but I DID NOT MAKE THESE WITHDRAWALS and REQUEST TO APPEAL THIS DECISION. 

As for the specific ATM withdrawals, which I am guilty of not noticing before XXXX : XXXX. XX/XX/XXXX {$60.00} + {$3.00} fee Location XXXX XXXX in XXXX I was not there on that day and can prove that with family and friends who were with me that day. 

XXXX. XX/XX/XXXX {$120.00} + {$3.00} XXXX XXXX XXXX in XXXX, a XXXX XXXX of where I live, where I have NEVER BEEN, with a company I DONT KNOW. 

XXXX. XX/XX/XXXX {$70.00} + {$3.00} XXXX XXXX in XXXX, a location I recognize where I have shopped but where Ive NEVER USED AN ATM XXXX. XX/XX/XXXX {$70.00} + {$3.00} XXXX XXXX XXXX XXXX a very seedy and questionable motel where I HAVE NEVER BEEN. I do shop at a retail establishment located at XXXX XXXX XXXX XXXX, and use my debit card there, but NOT AT AN ATM XXXX. XX/XX/XXXX {$110.00} + {$3.00} XXXX is only identified as XXXX, and I was told no one can identify it, other than it being in XXXX. 

I sent all of this information to appeal their decision on XX/XX/XXXX. Investigations team said they do not accept the appeal, as of today, XX/XX/XXXX, although I have not received the formal response yet. 

I dont know how this happened, but I am NOT trying to cheat Capital One out of money by claiming fraud for {$440.00}.
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX, I pulled my credit report and discovered how Aidvantage has been furnishing my income and transaction history to credit reporting agencies. Such is considered income due to the fact that the reported monthly amounts that Aidvantage falsely claim is due to them ; are in fact interest/dividend/gains etc., released through the purchase of my note/application ( being the derivative transaction of my tendered, endorsed and signed registered security ) are due and payable to the consumer. Per the Internal Revenue Service, gains are considered taxable income, and my income is non-public personal information that Aidvantage has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 2. Due to the said actions of Aidvantage, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by the furnishings ( of my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 3.Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given the respondent with or without proper consideration, written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . I was never provided adequate notice that I can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. 4. Extrinsic fraud is an act of deception or misrepresentation outside the event itself which deprives the victim of material information or participation. Failing to inform the account holder [ omission ] of key material facts during the IPO is securities fraud. My original promissory note served as an application. Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. 12 CFR Subchapter A part 202. 5. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the XXXX XXXX XXXX, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.