23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed court papers with the court disputing any legal actions or amounts due because property broke lease agreement, refused rental payment from myself, so I moved from property on agreed date to avoid lockout, property damage, or any other legal actions from apartment owners. Company never responded to court papers filed about breaking the lease agreement. Harassment, as well as other illegal activities taking place. They threatened to report to credit agencies without proper legal process first. This has been ongoing now since I have moved from the property affecting my credit and ability to obtain new housing. This is predatory, illegal, and basically a retaliation tactic they have done before. My credit has been dropped from almost XXXX to XXXX XXXX point knock on my credit for illegal actions of this company. I have court papers showing I filed and summoned them to appear in court. Which they did not respond to. My credit should not be affected or in question because of this company 's actions of breaking a lease agreement, because they refused rent payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have frequent inquiries on my account at least once a month since XXXX 2021. This has resulted in many unsolicited credit offers and the appearance that I need credit. I was recently turned down for a car loan by XXXX XXXX XXXX even though I have excellent Credit ( XXXX ) List of offending parties ; # of credit inquiries since XX/XX/2021 ; phone # XXXX XXXX : 12 inquiries ; ( XXXX ) XXXX XXXX XXXX  XXXX20 inquiries XXXX ( XXXX ) XXXX XXXX XXXX : 71 inquiries ; ( XXXX ) XXXX XXXX XXXX27 inquiries ; ( XXXX XXXX XXXX XXXX XXXX:27 inquiries ( XXXX ) XXXX XXXX XXXX : 24 inquiries ; ( XXXX ) XXXX I need these inquiries removed/stopped, unless initiated by me. 
Regards
Product: Credit card or prepaid card

In XX/XX/XXXX received a market solicitation from Capital One that provides for a 12 month 0 % interest balance transfer. It the time my credit card balance with Capital One was {$0.00}, my credit score was north of 720, and no delinquencies with any creditor. I completed the balance transfer on-line on XX/XX/XXXX for $ XXXX. My credit line was $ XXXX. On XX/XX/XXXX - Capital One issued my statement and charged my account interest of {$110.00} and charged the transfer as a purchase with a rate of 21.65 % APR. On XX/XX/XXXX - I called Capital One and told them about the purchase error. I was told that it was a known issue with ALL balance transfers made after XX/XX/XXXX and it would be corrected in 3 business days. I called back 5 business days later because it was not fixed. I then told it was going to take 2 billing cycles to correct. I was told I would be receiving a letter explaining the error. I called again on XX/XX/XXXX and the problem is still not fixed. I explained to the agent that credit bureaus were receiving incorrect balances and understating my available credit.
Product: Credit card

XXXX XXXX Td XXXX bank charged me {$920.00}. I had spoken to an agent over the phone to a few days prior maybe XX/XX/XXXX to schedule a payment of XXXX. The agent scheduled the payment for my full balance of XXXX instead. I called td bank once I noticed the mistake was made. They told me they could not credit my account but would send me a check instead. I told them I could not wait for a check so I would just do a charge back through my bank of the XXXX. Td bank still sent out a check in the total of XXXX with the XXXX deducted, even though it was clearly instructed not to. Once the charge back of XXXX went through td bank now set my balance back to XXXX plus the check of XXXX. I called td bank XXXX and spoke with an agent for over an hour. She told me they would do a stop payment on the check and my account would reflect the proper balance and her manager would follow up with me in a week XX/XX/XXXX. XX/XX/XXXX my balance still remained the same and I called back. I spent 1.5 hour on the phone with XXXX. XXXX had to get her supervisor XXXX to help review my account. XXXX told me they again would have to send a stop payment on the check because it didn't work the first time for some reason. I went ahead and spoke to another supervisor XXXX who confirmed a stop payment was sent through it should take 48 hrs to go through and she would follow up with me XXXX comes no changes. I call back and speak to XXXX. XXXX tells me the request for stop payment was sent through on XX/XX/XXXX again but is waiting on back office to approve it. So it's been a month and they continue to not fix my balance because it's waiting on back office to approve the stop payment.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

> I have submitted multiple disputes to TransUnion regarding several closed accounts and late payments that are being reported inaccurately. TransUnion has failed to provide any valid verification or documentation supporting the continued reporting of these accounts. Additionally, some accounts that were previously deleted have been reinserted into my credit report without the required notification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts include XXXX from XXXX XXXX XXXX XXXX reported as currently late with XXXX late payments each ), XXXX from XXXX ( closed but still showing as currently late with XXXX late payments ), and other closed accounts from XXXX and XXXX, which continue to report negative information. 

This is a clear violation of FCRA Sections XXXX and XXXX. I have attached a notarized formal letter that I sent to TransUnion as evidence of my efforts to resolve this issue directly. 

I respectfully request that this matter be formally investigated and that all inaccurate and unverified information be removed from my credit report immediately. This situation is unfairly damaging my credit standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XX/XX/2021 reporting of adverse credit information without the opportunity to opt out is a violation of 15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer, an opt out and privacy notice. section 5 ( a ) of the FTC ACT 15USC 45 ( a ) prohibits, unfair, or deceptive acts or practices in or affect in commerce safeguard rule section 501 ( b ) of the Glb act 15USC 6801 ( b ) requires financial institutions to protect the security, confidentiality, integrity, privacy of customer, non-public personal information from foreseeable, internal and external risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander company made an unauthorized inquiry on my credit report on XX/XX/2020.
Product: Payday loan

I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.
Product: Checking or savings account

I was charged fees due to lagged posting of charges and credits. The fees adversely impacted my balance in my account. This action aligns with the CFPB findings against Navy federal for these practices. I request an investigation into all my accounts held at Navy Federal.
Product: Debt collection

DISCOVER HAD FAILED TO UPDATED MY CREDIT REPORT AFTER I GOT DISCHAGED FROM MY CHAPTER XXXX BANKRUCPTCY ITS STILL UPPDATING AS A NEGATIVE REMARK ON MY CREDIT FILE
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding zelle handling disputes. Since the recent CFPB lawsuit that mentions significant issues with the platform. Despites using Zelle numerous times and reporting discrepancies, Zelle and my financial institution has failed to adequately investigate my claims. They said recovering lost funds was impossible and that once the money is sent it is extremely difficult to track the transaction. The CFPB findings show that zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I spoke with a representative in XXXX and requested validation of this debt. No validation was provided. This company calls me two times a day, but the phone never rings and they only leave a voicemail. I demand validation of this prior to receiving anymore phone calls. 

To Whom It May Concern : Be advised this is not a refusal to pay, nor is it a notice that I acknowledge this debt but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Proof that this debt is not time barred. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please see attached letter for more details and all of the information requested.
Product: Credit reporting

I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

My ex-husband had a credit card with USAA XX/XX/XXXX. He added me to the account as an authorized user so that I can use the card. I never authorized to be a secondary card holder at any point or to have any financial responsibility for the card because I did not work. When we divorced my ex-husband defaulted on this credit card account. USAA has been trying to hold me responsible claiming that I have authorized them to add me as a secondary user at some point which is untrue. USAA refuses to allow me to have my own checking/savings account as a result of my ex-husbands defaulted credit card. My ex-husband also filed for bankruptcy. I have contacted USAA numerous times to have this straightened out. I have even asked them to send me proof of a signed contract that I authorized anything. They sent me a letter claiming they found proof, however they did not send me any proof. They did not send a contract, no signatures, or any info on what kind of proof they had. This is because USAA is being untruthful. They are trying to hold me accountable because he defaulted and filed bankruptcy. I have never authorized them to put me on as a secondary member because I did not work while I was married. USAA has charged off this account over 3 years ago I was told by a Representative who said they could not help me get a checking/savings account. I have recently remarried, and my spouse is a USAA memeber and my current spouse is trying to add me to their existing checking and savings account. USAA is refusing the allow my current spouse add me to their checking and savings account. I have been trying to resolve this problem for over 12 years now. Please help resolve this issue. 

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

I have made multiple attempts in writing and via telephone to Experian in an effort to request that they fix an issue that does not allow me to initiate disputes on my file for information that is incorrect. I have a paid service, and over the past year or so, I have received no resolution. 

I have petition this organization - CFPB - for help as well. 

Nearly every attempt to solicit assistance from Experian has resulted in misinformation, call transfers to other departments and/or transfers to individuals who claim they can not help me. 

When I attempt to initiate a dispute, I get an error message. The problem has existed for quite some time.
Product: Debt collection

XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office. 
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had three inquiries that I did not approve. 
Capitalone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

WFBNA ( WELLS FARGO BANK HOME MORTGAGE ). ACCOUNT NUMBER XXXX ACCOUNT STATUS- SHOULD SHOW PAID IN FULL PAYMENT STATUS -SHOULD SHOW CURRENT COMMENTS- SHOULD SHOW PAID IN FULL XXXX ACCOUNT NUMBER XXXX ACCOUNT STATUS - SHOULD SAY PAID NOT CLOSED XXXX XXXX XXXX ACCOUNT STATUS -SHOULD SHOW PAID NOT CLOSED XXXX  - ACCOUNT XXXX XXXX ( XXXX XXXX XXXX XXXX ) THIS ACCOUNT WAS NEVER LATE AND IS CURRENT PLEASE FIX THE REPORT.
Product: Debt collection

On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.
Product: Vehicle loan or lease

On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.
Product: Money transfer, virtual currency, or money service

I'm receiving notifications from money Lion via text messages about an online account I don't have. I didn't apply for any account with them. There's no way to report fraud to them. Only contact information for their customers. I need help to close what ever account someone has in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX ) am making this complaint because Experian has continued to disregard my fraud dispute for Identity Theft. I am now submitting my documents here to have record of my submission to Experian with the submitted date. This dispute is regarding the " XXXX XXXX XXXX ( Account # XXXXXXXXXXXXXX ) '' on my credit file with Experian. This information is not information relating to any transaction by me ( XXXX XXXX XXXX ). 

I have submitted the documents below per the Fair Credit Reporting Act as follows ; appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Upon receipt of this report of Identity Theft I expect that Experian block or remove this inaccurate and/or Fraudulent item from my credit file on my report with them within 4 business days. 

I am submitting this complaint and these documents myself ( XXXX XXXX XXXX ) and no other parties are involved besides the CFPB and Experian.