23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 
Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.
Product: Credit reporting or other personal consumer reports

This debt collector has not provided me proper debt validation for this alleged debt. Also the credit bureaus did not provide me with a reason as to why the information on my credit report is accurate, they just said its accurate and did not provide my information on how they came to that conclusion same for the collection or credit agency
Product: Debt collection

I received an erroneous wage garnishment notice. The company sent this notice to my employer without my knowledge. I was never contacted or informed about any court proceedings via mail or phone.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$280.00} XXXX XX/XX/XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to address Navy Federal Credit Unions handling of my dispute regarding a charge of {$420.00} from XXXX XXXX, which was filed on XX/XX/XXXX. Despite clear evidence of merchant non-compliance and confirmation from Navy Federal representatives, my account has not yet been credited, and I have been incorrectly advised to wait an additional 30 days.

Key Points : Recorded Confirmation of Resolution Date : On XX/XX/XXXX, I recorded a conversation with a Navy Federal supervisor who confirmed that the coordinator handling my claim had advised me that my account would be credited on Wednesday, XX/XX/XXXX. This contradicts Navy Federals current stance suggesting further delays.

Policy Requirements Already Met : XXXX XXXX policy requires merchants to respond within 30 days of the dispute being filed. As of XX/XX/XXXX, the merchant, XXXX XXXX, has failed to comply with this requirement, making me eligible for a refund under the policy. This is not a case where additional time is warranted. 
Unnecessary Delays : The claim has been open since XX/XX/XXXX, far exceeding the 30-day timeframe. Further delays are unjustified and conflict with Navy Federals own policies.

Poor Investigation and Miscommunication : The case was previously closed due to an inadequate investigation, only to be reopened after my persistence. Despite this, Navy Federal has continued to delay resolution, causing undue stress and financial hardship.

I respectfully request that the CFPB ensure Navy Federal honors its policy and credits my account for the disputed amount of {$420.00} without further delay. The merchants non-compliance and the supervisors confirmation of a resolution date on XX/XX/XXXX, clearly demonstrate that I am entitled to a refund.

Thank you for your attention to this matter. I am happy to provide additional evidence, including the recorded conversation, upon request.

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

There are inquiries on my credit reports on XXXX and XXXX that d o not belong to me I have not approved nor inquired for these accounts. XXXX XXXX XXXX - Inquiry date : XX/XX/2021 BK OF AMER - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX
Product: Debt collection

My auto loan was with Westlake Financial Services and I refinanced with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Westlake has been paid off by XXXX XXXX XXXX for the payoff amount they communicated to the new bank on XX/XX/XXXX. Westlake Financial released the vehicle title to the new bank since it was paid off. One month later, around mid XXXX - they started contacting me for additional payments. In addition - they fraudulently added late fees for months that payment was made on time. The months they added late payments that are untrue are for XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and in XXXX for XXXX, XXXX, XXXX. In addition they back dated to add fraudulent NSF fees when payments went through for XXXX, XXXX of XXXX and 3 additional NSF fees of {$25.00} each - so 5 NSF fees total of {$25.00}. This company calls me at least 10-15 times everyday all day long from various phone numbers that look like my family from XXXX and other businesses in order to collect a debt that is not valid since my refinanced loan is no with XXXX XXXX XXXX XXXX and theyve already paid Westlake Financial the amount in full as well as have the title for the vehicle that Westlake released to XXXX XXXX XXXX XXXX.
Product: Debt collection

This company has called several times from different number frequently before XXXX & after XXXX. Ive asked the company serval times to be removed for their call list due to no knowledge of this account.
Product: Debt collection

this debt collector engaged in abusive, deceptive, and unfair practices which the FDCPA prohibits. They furnished this account that we didnt agree upon and i didnt sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any signing. Also they didnt follow the proper XXXX step validation process which makes this an unfair practice. According to the XXXX entitled to XXXX USD per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I cant open up a bank account or obtain a credit card because of the improper usage of these companies spreading my information that I did not give consent to share.
Product: Debt collection

I was not aware of this collection which I recently noticed on my credit report. 
I was never contacted regarding this collection by Quality asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX $ XXXX/ {$440.00} - XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.
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 than this information blocked. I have enclosed a copy of 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 identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 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, credit repair services, or other personal consumer reports

This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -CAPITAL ONE # XXXX -CAPITAL ONE # XXXX -XXXX  XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Money transfer, virtual currency, or money service

I am writing to formally my concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Just Military Loans referred their debt to a collection agency who listed the debt as a collection on my credit. This date was listed in a Ch XXXX Bankruptcy prior to this. Just Military Loans was named in XXXX NC XXXX XXXX Bankruptcy and they allowed XXXX XXXX XXXX to buy account and list on my credit report. They have not removed the item after multiple attempts to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I had cancelled my membership with Experian Credit report and received a refund from them. Every Month since then they had tried to charge me debit card for {$4.00} but the payment was always declined. Today I found that not only was charged {$4.00} but that they used a new card that i have not authorized them to use and never provided. When I spoke to customer service they told me that they can not return the {$4.00} and that I did provide the card which I knew i did not because is a new card with a service that I do not use since XXXX. I asked to direct my call to a supervisor. Supervisor, XXXX spoke to me and told me that she needed to transfer me to billing because she was not able to help me with the issue. This was around XXXX XXXX Then she transferred me to XXXX in Billing to whom i explained the above situation, she told me that this is the first case they have like this. I told once again to her that i did not provide my debit card information, neither i did authorize any charge. She asked to wait in the line and them transfer me to the direct line where someone else answered. The new person on the phone told me that they are not able to connect me with the same specialist that i was talking to. I am frustrated to identify how Experian obtained my Debit card information and the authorization. I have all the e-mails including the one yesterday where my old card was declined. My membership number with them was XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message claiming to be from Chase about a fradulent payment of XXXX from my account. I called the number and they claimed to be a chase representative. I asked them to verify and they had my information. They knew my birth date, full name, my address, including past transactions. They told me that an unauthorized payment of XXXX was made on my behalf and if I knew. I told them that I made no such payment. I was then told my account was in danger of losing the money and I had to take swift action to reverse the payment. I was told in order to do so I had to take steps through XXXX  to be reimbursed. One of the steps involved was adding myself as a recipient through XXXX and adding a " code '' on the phone number line which was XXXX. The name that then appeared under my own name was " XXXX XXXX. '' They then instructed me to type in XXXX for the money to be " reimbursed. '' After I press send the caller disconnected. Worried, I called Chase just minutes after the initial phonecall to find out what had just happened. I asked them if the fraudulent claim was true and that was when I had found out I had been scammed. I told them everything I knew. They had assured me that I would be credited back my money within 10 days and that everything would be okay. They told me not to worry and that they will get my money back. I have not heard anything back yet and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company kept renewing the loan instead of letting me pay off causing continuous financial hardship. When I asked for a payment plan so the payments would go towards payoff due to paying for so long they said I could gave one because I was not in default or collections. I defaulted on purpose due what was told to me so the drafts would stop and I hoped to get a payment plan. However, they would not work with me and have been unfairly reporting this as an active late account every single month which has caused me to be denied financing for a home. This is abusive and unfair!!
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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or 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

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Purchased a new manufactured home in 2016 from XXXX XXXX XXXX XXXX NC. 
Wells Fargo in XXXX NC financed the loan and another company called XXXX XXXX XXXX XXXX  took over the mortgage. My concern is this : I found out that the home has defects from the roof to the interior of the home to windows. these are known as latent defects by law. although there is a one year warranty, i found most of the defects after the warranty was up and by law the statute of limitations applies to this. i feel like i was conned into purchasing the home. I am a XXXX veteran
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inclusion of certain information in my consumer report maintained by your agency. Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ), I request the immediate removal of the following account from my consumer report due to its violation of my privacy rights regarding student education records : Account Information : Account Number : XXXX Date of Entry : XX/XX/2018 Description of Account : DEPT OF ED/XXXX As per FERPA regulations, student education records are protected from disclosure without the consent of the student or their legal guardian. The account in question directly pertains to my educational history and therefore falls under the purview of FERPA. I have not provided authorization for this information to be included in my consumer report, nor has the educational institution involved obtained my consent for such disclosure. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I kindly request that your agency take immediate action to investigate this matter and remove the mentioned account from my consumer report in compliance with FERPA regulations within 14 business days
Product: Debt collection

To Whom it may concern : From XX/XX/2017 through XXXX XXXX I was on Medical Leave through FMLA, I was receiving sick pay I had accumulated over the 25 years I had been teaching for a public school system. My doctor would not release me to return to my job as a teacher so, I had to resign. When you are on FMLA you CAN NOT APPLY or INTERVIEW for other jobs. I had to wait for legal documentation my resignation was accepted. I knew once my money ran out we would have to live on one income. I called each of my creditors and sent a note to each of them through my online account. Which I kept copies of. I was told by some they would wok with me. When I started my job I had to go through job training. I was NOT PAID. I did not start receiving income until XX/XX/XXXX for which I paid our house note and took care of basics. I told them once I could make payments again I would go on line and do so ( The third week of XX/XX/XXXX ). From XX/XX/XXXX to present I have received phone calls CONSTANTLY at home on my land line, personal cell phone and my work phone. I am still within my 90 days, and the new company is a fire at will employer. If I keep getting phone calls at work I won't have a job to pay any debt. I was told I needed to call weekly to update, by people who can not understand or speak English. If you add up the weekly calls per creditor, it's a work day, that is just a repeat of the same exact information repeated. It takes an hour per call. If I don't get paid until the end of XX/XX/XXXX, a weekly call in XX/XX/XXXX and XX/XX/XXXX isn't going to change me getting money to pay. I DID NOT chose to not pay my bills. I am not paying on purpose. I CAN'T! I followed what the State of Michigan told me to do and how to handle my debt. I offered copies of the FMLA papers, and my resignation acceptance to prove I am not lying. They did not want the information. I have also had some of the people want my FULL Social Security Number or Credit Card Number, and Birthdate. I hang up. Why do you ask for information you already have on a screen in front of you?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Equifax and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.