23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My XXXX XXXX XXXX was totaled in an auto accident on XX/XX/2019. This was on a 36 month lease and I had put {$7000.00} down and had prepaid my monthly lease payments until XXXX of XXXX. My insurance company, XXXX, allowed me to secure a rental vehicle for two weeks. Unfortunately, at the end of the two weeks, I still did not receive any settlement on the vehicle and any attempt to get a straight answer out of XXXX leasing was futile. My insurance company received a payoff amount of {$22000.00} from XXXX leasing which was sent to them mid XXXX. To date, three calls were made to XXXX leasing on my behalf to obtain information on how I can be made whole on this accident. They keep telling me that it will take 90 days before this will be settled. Here are the issues I would like resolved : 1. Since this lease had Gap insurance, it was my understanding I would only be responsible for the residual value of {$19000.00}, then why did they request a payoff amount of {$22000.00}. 
2. Why is this taking so long to settle when my insurance company has already settled with them. 
3. Why are they continuing to take out the monthly lease payments when they already received the payoff. 
4. How can a customer be made whole and proceed with replacing this vehicle when I am not receiving settlement funds to do so. 
Thank you ... XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , WA XXXX E-mail : XXXX KIA Finance XXXX XXXX XXXX XXXX , TX XXXX Account Number : XXXX Phone : XXXX Total Loss Department Phone : XXXX Customer Service
Product: Debt collection

This company NCB Management has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe XXXX company Ive never XXXX any contracts with NCB Management .
Product: Credit reporting, credit repair services, or other personal consumer reports

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX ( ACCOUNT # - XXXX ) 2. XXXX XXXX ( XXXX XXXX : XXXX XXXX ) ACCOUNT # - XXXX 3. XXXXXXXX XXXX XXXX- ACCOUNT # - XXXX 4. XXXX XXXX- ACCOUNT # - XXXX XXXX. XXXX XXXX ACCOUNT # - XXXX IT HAS BEEN LONGER THEN 15 DAYS FOR RESPONSE. 
According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ), I asked Experian, XXXX and XXXX to do a proper investigation and a proper validation constituting this item showing as a collection on my credit report. They failed to provide in documentation that I requested of the names, addresses and telephone numbers of individuals they contacted during their investigation. I asked to please delete the item if they can not provide proof of what I requested but instead they updated the item and stated ( Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. ) They did not provide any information that I requested.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX Capital One XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Notice to cease contact from identity theft victim Dear Sir or Madam : I saw you reported a debt to my credit report and learned you are attempting to collect a {$350.00} debt from me. The ACCOUNT number associated with this is XXXX date of INCIDENT XX/XX/XXXX. 

I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. 
Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing. Please remove all identifiers of your company from my credit report as I never opened an account with your company. 

Below is a list of the documents I have enclosed to prove I am the victim of fraud : *Police report or * FTC affidavit of identity theft statement Under law, you may only contact me once more to acknowledge that you have received this request. Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward copies of these documents to me at the above address. 
I expect to receive your confirmation that you have received this notice by XX/XX/XXXX three weeks from now. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted cap ital one abo ut a payment program because I am a   XXXX   XXXX   who had a reduction in work hours. I was told I was accepted into the program and to pay  XXXX  a month. I paid the  XXXX  a month and my account never updated or my bill never reflected anything about the program. I called back and I was told the lates on my credit report would be corrected I was also sent a letter regarding the corrections capital  one  would fix on my credit report which they never did. I called again and spoke with a  manager  and he assured me to keep paying the  XXXX  that my next bill would be updated. Still did n't receive an updated bill with that amount. Ca pital one ha d ruined my credit because of their mistake. They sent a letter saying they would fix my reports in  XXXX  but they never did. I also was n't sent any materials about my assistance program.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my XXXX XXXX, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken XXXX of and my XXXX are being XXXX. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my XXXX XXXX Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

My Marcus by Goldman Sachs savings account had fraudulent activity three unauthorized transactions at {$5000.00} each on XX/XX/XXXX to an account that was not in my name and that I did not authorize. I received a call from Goldman Sachs in early XXXX notifying me of the suspicious activity and I immediately filed a formal dispute. 

After an " investigation, the transaction was determined to be authorized and correct ''. When I continued to dispute the claims, the representative said they could not give me any more information and told me to call the bank that the transactions where distributed to ( Password Bank ). When I called the bank there was not any options to talk to a representative, rather it was a self-serve//automated experience. I am at a loss of what to do and feel I have made every attempt to rectify the situation. 

I have refiled a dispute, but do not believe that the decision will be overturned given that there is no new evidence.
Product: Checking or savings account

Someone opened a checking account with my social security number at Citizens Bank.
Product: Debt collection

I am a victim of identity theft and was recently astonished when I seen multiple fraudulent reports on my report including IC Systems. Attached below is my debt validation not verification request to IC Systems due to the fact that I have never entered a consumer contract with IC Systems or XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : XX/XX/XXXXAccount XXXX Account Name XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXStates I have the right to privacy. 

XXXXXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXXXX/XX/XXXX : 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 recordXX/XX/XXXXwhich antedates the report by more than XXXX years. 

XX/XX/XXXXA 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 card or prepaid card

On 3 occasions, while trying to add extra money to lower my balance, I submitted an incorrect account # or routing # due to a typo. ( My hands shake badly. ) I immediately remedied the situation, transferred more money to them and paid a {$35.00} penalty for each mistake. They closed my account.

My automatic payment was set to pay off the balance each month and did so. There has never been an error in my automatic payments. But when I tried to lower my balance manually I made 3 mistakes between XXXX and XXXX.
Product: Bank account or service

I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.
Product: Checking or savings account

Navy Federal is taking money from my Savings account without notifying me. XX/XX/XXXX Navy took {$280.00} from my saving account without informing me. I know do not have money for bills or food nor travel expenses. 

Navy claims they have the right to take money at there will because I have a charged of Checking account on XX/XX/2023 for {$500.00}. 
This checking account is currently Disputed with Navy Federal who claims my checking account will be REPONED if the dispute is found in my favor. In the mean while Navy Federal Is stealing money from my savings account. 

I have asked Navy Federal to Please leave my with at least XXXX dollars for food because I did not accept nor informed, they would take ALL the money from my open SAVINGS account to pay my Disputed and Closed Checking account. 

XXXX Navy Federal Response was NO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to XXXX XXXX and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to Experian and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from XXXX XXXX. I want my FICA scored corrected and XXXX XXXX out of my life forever. 
Its been so long since I've done business with XXXX XXXX I have not credit card numbers, receipts, or any other documentation from them.
Product: Consumer Loan

I recently went through a divorce and financial hardship, even as I have struggled I have still trying my best to stay afloat and to keep paying bills slowly but surely. I recently got reposed my   XXXX    XXXX   XXXX  that I had for  one   year. Ford Credit  took my SUV back with only 54 days behind in my payment. I have been slowly falling behind 30 days but never thought that being 54 days late was reason enough for Ford Credit to come repo my car. Immediately the very same day I called them to work with them and they immediately shot me down and told me that my account was now sent to another department ( Recovery Department ) and they would handle it from there. I called them and told me to wait 72 hours for me to talk to them, I waited 72 hours and called them, the lady on the phone told me  that I had to pay the whole balance owed in the vehicle of {$32000.00} and I had 15 days to do so for me to get the vehicle back from them or after those 15 days my car was going to be sold and that I was going to be held accountable for any legal fees or balance on the loan. I told her that was impossible, so I offered to pay the late payment ( 54 days late ) and any late fees associated with the account and even a month ahead and she told me no. I was willing to go beyond what I could to be able to keep the car and get it back but she refused my offer. I asked to speak to a Supervisor, she transferred me to this voice mail, I left message, the voice mail said that she was going to call me back wi thin 72 hours and there was no reason for me to call back. 72 hours c ame and went, I call several more time trying to talk to someone at that number and she never answered or I never talk to a person ( supervisor ) as I requested. When I call back to the recovery department because I was not able to get a supervisor the lady say the decision was final and that there was no way to change it. Now, I get a bill saying that the car was sold to a private buyer and that I owe them {$10000.00}. All these could had been avoid if they had worked with me, if a had talked and explained to a real person, not a recorded machine. I request to please help me out in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED INFORMATION!! 
TRANSUNION, XXXX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX   YOU ALL ARE THE PROBLEM
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing this complaint against Equifax for failing to remove 19 unauthorized hard inquiries from my credit report. These inquiries were made due to identity theft, which I have reported to Equifax multiple times. Despite filing identity theft reports and submitting complaints to the CFPB, Equifax has refused to remove these inquiries, causing significant damage to my credit score and financial stability. 

Unauthorized Hard Inquiries : The following unauthorized hard inquiries are reported on my Equifax credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These hard inquiries were unauthorized and are the result of identity theft. I have submitted identity theft reports to Equifax, but they have failed to remove these inquiries or properly investigate the claims. 

Violation of Legal Requirements : FCRA 1681e ( b ) : Equifax is required to maintain accurate information and has failed to remove fraudulent entries. 

FCRA 1681i ( a ) : Equifax has not investigated or corrected these disputed entries within 30 days.

FCRA 1681c-2 : As a victim of identity theft, I am entitled to the removal of fraudulent inquiries. 

Florida Statutes Chapter 501.2077 : Equifax has violated Florida consumer protection laws by failing to remove fraudulent information. 

Requested Resolution : Immediate Removal of all unauthorized hard inquiries. 

Investigation and removal of all fraudulent entries associated with my identity. 

Written confirmation from Equifax stating these inquiries have been removed. 

Documentation of compliance with FCRA and identity theft protections. 

Failure to comply within 30 days will result in my escalation of this matter to the FTC, CFPB, and Florida Attorney General, along with pursuing legal action for statutory and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.
Product: Credit card or prepaid card

This is my second complaint for this card. I closed this card on XXXX due to fraud. On XX/XX/XXXX my card was charged XXXX separate times. Plus an interest charged resulting in {$3400.00}. This has caused my credit to drop again. I'm so fed up with this company my next step will be a lawyer. This company is ruining my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian conducted their own " re-investigation '' into accounts that I never " disputed '' in the first place. I never asked Experian to investigate ; nor, have I disputed these accounts. 

My current credit report shows this comment " Account Information Disputed by Consumer '' on the following accounts not in dispute. See attached credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Comments : Account information Disputed by Consumer XXXX. XXXX XXXX Account XXXX : XXXX Comments : Account previously in dispute- now resolved - reported by subscriber XXXX. XXXX  XXXX Account Number : XXXX Comments : Account previously in dispute- now resolved - reported by subscriber
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent 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 infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. I have repeatedly disputed this incorrect information to XXXX who REFUSES TO CORRECT IT! Now it's your turn! You need to be reporting accurate information to the bureaus. If not it makes you just as culpable as the bureaus as it's your responsibility to maintain accurate reporting with these bureaus. XXXX is the only one that continues to make errors on my report they refuse to correct. Then they claim they checked with you and you verified its accurate which it is not! The account status IS NOT ACCURATE and had better be corrected ASAP! You and the credit bureaus repeatedly report inaccurate information. It's time to put a stop to it and let the public know what's going on.
Product: Payday loan, title loan, personal loan, or advance loan

I transferred XXXX in medical debt, verbally, from XXXX XXXX XXXX Commerce Bank on XX/XX/XXXX. I had not heard from Commerce Bank so I called them on XX/XX/XXXX. They said XXXX did not provide my updated address, only my debt? So my identification was not provided? They sent my bill to my address from 2023. They withdrew money from am old joint account without permission. On XX/XX/XXXX they assured me I was not set up for automatic withdrawal. ON XX/XX/XXXX they withdrew XXXX from a bank account I no longer use. I called again on XX/XX/XXXX and the supervisor LIED to me and said the payment was denied. The payment appeared out of the old account 2 days later. I did not authorize that payment. I paid with my new bank account on my due date. They got double payment for XXXX. One unauthorized one from my ex husband 's bank account and one from my bank account. The first bill does not state automatic withdrawal, as shown below.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts are inaccurately listed with wrong amounts and dates.
Product: Debt collection

I had a bankruptcy from well over several years ago and its still impacting my credit.
Product: Debt collection

On XX/XX/2023 I received in the mail a letter from Cavalry Portfolio Services , LLC ( Cavalry ) stating that I owed {$9200.00} to them. I responded with a a letter to Cavalry on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested Cavalry provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of Cavalry 's ownership of the debt ), and details about Cavalrys authority to collect the debt on behalf of the original creditor in my state ( Florida ). Cavalry mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of Cavalrys purchase of the debt from the original creditor ) nor verification of Cavalrys authority to collect the debt on behalf of the original creditor in the State of Florida.