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

Car payment due monthly on the XXXX. Went to make XXXX monthly payment on the XXXX of the month. Truist has decided to charge me double car payment. I have never been late as late fee of XXXX dollars is applied if payment if not completed by the XXXX of the month. I have not incurred a late fee and have never made a late payment. Why am I being charged in advance for my car payment. Not sure why Im submitting this complaint. It's a waste of time. This agency does NOTHING, TRUIST is a financial system that gets away with poor service. I'm sure this agency takes a kickback to turn a XXXX eye for all submitted complaints. Probably go to dinner together and keep lol at us general folks and look at us as your peasants.
Product: Debt collection

Im not sure where this debt came from I dont know who these people are I dont create this debt. I wasnt given any information about this collection item
Product: Credit reporting

Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have failed to act on my complaint of identity theft despite being sent the requested paperwork and documents on four separate occasions. As a victim of identity theft, I submitted fraud affidavits and copies of personal identification to the credit reporting agencies, a number of creditors and several collection agencies. Most of the companies resolved the issue and removed the offending accounts. One company - XXXX XXXX - ignored the complaint and is now reporting the same fraudulent account to the credit reporting agencies THREE TIMES. Each of the accounts is reporting the same open and close date, the exact same account number, and the exact same open balance. This has destroyed my credit. Not only has the fraudulent account for XXXX XXXX not been removed, it's now being reported in triplicate.
Product: Credit reporting or other personal consumer reports

ECSI XXXX servicer a XXXX  party XXXX XXXX is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even XXXX prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my XXXX XXXX without verifying accounts and my consent! 
I sent many XXXX XXXX via XXXX XXXX and they are NOT RESPONDING!! and violate the XXXX XXXX XXXX notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the XXXX, I am requesting that ECSI and all XXXX XXXX to remove this CLOSED account immediately from my credit reports that is causing damage to my XXXX and XXXX XXXX. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report for {$1600.00} no account was found in the system has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX  XXXX Collections : XXXX XXXX XXXX  XXXX Delete this 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
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. 

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

I have received several inquiries from banks such as XXXX XXXX and Capital One that I have not made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX now also known as XXXX XXXX XXXX back in XX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Email : XXXX Phone : XXXX NAVY FEDERAL CREDIT UNION To : ** Navy Federal Credit Union Address : ** XXXX XXXX XXXX, XXXX, VA XXXX **Account Number : ** XXXX **Balance : ** ** $ XXXX **Subject : ** Immediate Removal Request Under UCC & FCRA **Dear XXXX  XXXX, ** I am disputing the validity of the above-referenced account under **UCC 9-210**, **FCRA 1681s-2 ( a ) **, and **Louisiana Revised Statutes 9:3571.1**. You are required by law to provide **full validation of this debt**, including : 1. **The original contract bearing my wet-ink signature. ** 2. **A complete accounting ledger showing how this debt was calculated. ** 3. **Proof that this debt was lawfully assigned to you. ** Under **FDCPA 1692g**, if you fail to provide the above, you are required to **immediately cease reporting** this account and delete it from all credit bureaus.

# # # **Legal Demand : ** **Delete this account from my credit report within 15 days. ** **Provide documentation proving the legal basis for reporting this debt. ** **Failure to comply will result in a lawsuit under FCRA , UCC , and FDCPA, as well as complaints to the CFPB , FTC , and Louisiana Attorney General. ** **Scripture Reference : ** * '' Deliver me, O Lord, from lying lips and from a deceitful tongue. " * **Psalms 120:2** Sincerely, *XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian located in XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

I received, via mail, promotional offer get {$400.00} for opening checking account. 
My English is second language and I easy can misunderstand the legal English, so I decided I would ask for help from professional banker who works at the bank. I went to the bank, met with branch banker. I provided promotional documents to the branch banker, issued by bank, how to get {$400.00}. Banker took that material and insure me that she will complete online banking to meet all terms. Banker enrolled me in online banking. Banker created my login. Banker have must have followed all terms that must be met to get {$400.00}. Banker advice, that I must complete 10 transaction within one month. I have completed 10 transactions within one month. I have done all I was able to do. Everything else was banker responsibility. 
Now Bank refused to honor {$400.00} arguing that I did not enroll online statements. 
I argued that banker who enrolled my online account and followed all terms shall have enroll in online statements as she was asked to do and that was her diligent and responsibility. Not me. ( If I could understand all terms written on promotional materials, than I would never ask for help to someone else, right? ) I trusted banker at the time to open account for me and I gave a promotional material to the banker to make sure banker meet all terms. 
therefore, I compliant on bank for intentionally fall to enroll online statements on my behalf, so Bank will not issue {$400.00} promotion to the customer.
Product: Checking or savings account

Bank of America has reported checking account fraud to XXXX XXXX Consumer Services on an account where Im listed as the joint owner along with my son. I had this account for 5 years without any incidents of this nature or any incidents remotely close. If I committed fraud, why am I still allowed to have an open account with BOA with no restrictions? I have yet to receive any written or clear precise verbal communication as to what exactly took place with the account for Bank of America to make the determination that I committed any type of fraud or that fraud was committed at all. In XXXX, I visited the local BOA branch in my area and was told by BOA representative that the risk customer service department will only be able to provide information in regards to the account. That has not happen. I have contacted BOA over 6 times regarding this information and I only keep getting the round around no direct answers as to what happen. I have disputed this information through XXXX XXXX  and BOA has responded with the information is accurate and indeed it is not and this comment is on my account preventing me from obtaining employment in my field of study of accounting where I have received my degree. I cant open an checking account because of this information. This experience has been a total disaster. Im at a road block and dont know what else to do. I want BOA to provide the specific details as to the reason they have place those comments on my report and to prove fraud occurred in the attempt to defraud their company. I want this comment remove my consumer report so that can continue on with my life. This situation has been life altering and I have done anything wrong to deserve this. Im humbly requesting assistance with this situation to help get this resolved expeditiously.
Product: Debt collection

TekCollect is attempting to collect a debt that is not owed. This alleged debt is to a XXXX in XXXX Illinois. XXXX refuses to provide any invoices or evidence that these monies are owed, TekCollect has no evidence to support this alleged debt. 

Security deposit is owed to me for the apartment,
Product: Debt collection

In XX/XX/, I settled my outstanding balance with XXXX XXXX. However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. They confirmed that the account has been paid in full and should no longer be listed on my credit report. Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint letter in regards to Capital One Bank, N.A. Whatever action, if any, that your organization chooses to take is entirely up to you. It is certain that whatever punitive action you might take, it will not be satisfactory to me, since I want this corrupt organization to be liquidated and its officers to be incarcerated.

There have been several trangressions on the part of Capital One : unauthorized and unsolicited investigation into my credit history, deliberate tampering with my credit score causing it to be diminished, harassment via predatory marketing activity, possible accessory to identity theft, possible initiation of a credit account for the benefit of a thief using my personal information, and a deliberate refusal to offer legitimate telephone service to persons seeking information and making inquiries. 

I am not, nor ever have been a customer of Capital One. Through an online service called XXXX XXXX, I have discovered that Capital One tampered with my credit history, causing my credit score to go down. I have not attempted to open any credit account or to make a loan through any bank or lender. There is no reason whatsoever for Capital One to be making an investigation into my credit history. 

In just this year alone ( XX/XX/2018), Capital One has used my post office box in an attempt to entice me to open a credit account. Capital One has also engaged in telemarketing to me on my personal phone. On two occasions, I requested of their marketing representatives to remove me from their list of victims they obviously dont intend to leave me alone until I presumably become their customer ( which is clearly not going to happen ). In other words, Capital One wont take No for an answer. 

On XX/XX/XXXX, I called Capital One to inquire as to the possible identity theft and illegitimate account. Because I would not provide my entire social security number, they refused to investigate or cooperate ( after displaying such predatory behavior, what fool would provide them with that information?! ). I should also mention that it took an incredible amount of maneuvering in their automated phone system in order to speak to a live human being if youre not a customer with an account number to provide, youre out of luck. 

Further proof of Capital Ones predatory marketing behavior can be found in light of the fact that they are currently lobbying Congress and the Federal Communications Commission to remove any and all legal barriers so that they ( and others ) can fully indulge in unsolicited Robocalls and message texting. 

Any regulatory, punitive, or disciplinary action you might care to take against Capital One would surely be appreciated, and well-deserved on their part.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate for these violations
Product: Checking or savings account

Bank of the West deducted a service charge from my XXXX XXXX account ending in XXXX. The representative told me the charges would be reversed and that they had entered into the system to only do statements by email and not mail to avoid charges. The charges were reversed and I thought he had handled the matter. The following month however, I got charged for a mailed bank statement. I called Bank of the West to complain and ask them why they are charging me when the matter was handled the prior month. The customer service representative said, " yes there was a refund last month, however we will not refund you for this month because we only allow one curtesy a year. '' I told the customer service representative that I had asked for changes to my account the month prior, of which the representative obliged and ensured me my issues related to charges for statements were resolved. This customer service representative said I had to go online and do it myself. I asked for a supervisor. The supervisor got on the call and ensured me the matter would be handled and resolved within a week. She lied. Not only did Bank of the West not refund my service charge, they never followed-up by sending me a letter or supporting information to explain why they had such lapses with their customer service representatives. I want this resolved my my money returned to my account for the service fee I should not have been charged for.
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I being paying them to fix the problem for over a XXXX.
Product: Bank account or service

I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account back.