23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a credit application with Navy Federal and was denied based on my credit score and income. I am the natural person and original creditor as defined under 15 USC 1602 ( g ). I'm confused how Navy Federal can deny me from my own credit. When 12 1431 states that the powers and duties of banks is to borrow not loan money. Navy Federal borrows money from the Federal Reserve with the authorization of my social security card and signature. They do not have the authority to deny me credit based on the notion that they are not the creditor and the credit doesn't come directly from them. I demand Navy Federal approve my credit application.
Product: Credit reporting or other personal consumer reports

In XXXX I was late on my car note payment. I have a 95 % payment on time. Never been after in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED AND UNAPPROVED INQUIRIES DISPUTED MULTIPLE TIMES BUT NO RESOLUTION. 

KEEPS MAILING ME MY FORM LETTERS AND CREDIT REPORT WHICH I ALREADY HAVE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, XXXX
Product: Money transfer, virtual currency, or money service

Waiting on a wire return from Discover bank. They claim XXXX XXXX  has the funds. Funds were for a house purchase in amount of over XXXX. This is my life savings. I've waited XXXX weeks for the funds and spent XXXX extra expenses due to not getting funds back. I have called Discover dozens of times
Product: Credit card or prepaid card

On XX/XX/2021 I had a charge of {$69.00} posted from Connecticut and I reported over 3x times and told them I didnt go nowhere and have proof that I resides in XXXX Florida and have been before the incident but nothing. Afterwards I went to XXXX on XXXX XXXX to visit my brother and his wife and children came back on the XXXX of XXXX at XXXX and saw a change of {$30.00} posted on the XXXX, before asking an agent to put a dispute towards that charge I confirmed that my brother and his wife did put that charge on my card and they told me No. But despite all Ive said and confirmed for Bleubird fraud department they managed to closed my prepaid account with them without any notice.
Product: Credit reporting or other personal consumer reports

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( CAPITAL ONE N.A ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Product: Credit reporting or other personal consumer reports

I have five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.
Product: Bank account or service

I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.
Product: Credit reporting or other personal consumer reports

got into a used car on XX/XX/year> i was involved in an hit and run in XX/XX/year> the car was totaled out and i didn't receive a refund and was out of a car. the total amount for the car that was on the loan was XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX in XXXX. They sent my information to XXXX XXXX XXXX. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to XXXX to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and XXXX was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.
Product: Debt collection

I checked my credit report and I noticed a collection for a company I didn't know. I call and spoke with a supervisor XXXX XXXX. Explain to her that the address I never lived there and I have been in the same residence for the past 3 years. I havent had a chance to see what is the collection is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXBalance XXXX XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX
Product: Debt collection

I OWED THE CITY OF XXXX, WI. BEFORE COLLECTION AGENCY UNDER XXXX. AFTER THIS WAS SENT TO STARK COLLECTION AGENCY IN XXXX, I AGREED TO MAKE MONTHLY PAYMENTS AS I DID NOT HAVE MUCH MONEY. WE AGREED ON A MONTHLY AMOUNT. I BELIEVE I MISSED XXXX OR XXXX PAYMENTS DURING THAT TIME, BUT I ALWAYS CALLED AND TOLD HER I HAD MONEY ISSUES AND I WOULD BE SURE TO CONTINUE THE NEXT MONTH AND SHE WAS FINE WITH THAT AND RECORDED THAT IN MY RECORDS. ABOUT 4 TO 5 MONTHS LATER THEY PULLED MY DRIVER 'S LICENSE FOR NON PAYMENT OF DEBT. I HAVE RECIEPTS FOR ALL OF MY PAYMENTS, BUT THEY REFUSE TO RELEASE MY LICENSE. NOW THE COLLECTION AGENCY TELLS ME THAT I OWE ABOUT XXXX BEFORE I SETTLE MY DEPT. I HAVE ALREADY PAID THEM XXXX. THE COLLECTION AGENCY KEEPS ON CHARGING ME WITH INTEREST, PENALTIES AND FEES, WHICH I THOUGHT WAS ILLEGAL AS IT IS NOT STATED IN MY CONTRACT. ACCORDING TO MY RECORDS, I THOUGHT I OWED XXXX BUT WHEN I CALLED TO CONFIRM MY BALANCE TO SEE IF THAT WAS CORRECT, I WAS INFORMED I STILL OWE XXXX. WHEN I INQUIRED WHY SUCH A BIG DIFFERENCE, I WAS TOLD FEES AND PENALTIES. NOW WHEN I JUST TALKED TO HER, SHE SAID IT WAS ALL INTEREST. I WAS NEVER TOLD THAT THEY WOULD KEEP CHARGING INTEREST AND FEES WHILE I WAS MAKING MONTHLY PAYMENTS. I WOULD APPRECIATE ANY HELP THAT YOU CAN OFFER IN THIS SITUATION.ANY QUESTIONS OR CONCERNS, PLEASE CONTACT ME AT XXXX XXXX XXXX. 
THANK YOU, XXXX XXXX
Product: Vehicle loan or lease

XXXX Capital one took 2 payments out of my bank account. I stopped payment on one and had it returned. In XXXX, I made my payment like normal. Assuming it came out. I went to make my XXXX payment and it said they did not receive my payment that it was returned. I pulled my bank statement up. There was no draft attempted. I called Capital One they said my bank rejected it. When I called my bank bak they said the reason they rejected it was because I stopped payment in XXXX when they double drafted. Both situations were of no fault of my own. I submitted paperwork and they would not remove the late payments. In additional on one credit report it states 60 days late in XXXX and XXXX and on the other 30 days. All should be pays as agreed and not late.This was Capital One and the banks fault not mine and I have the documents.
Product: Money transfer, virtual currency, or money service

Deposited XXXX XXXX dollars into Robinhood from multiple bank transfers. XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX on XX/XX/XXXX Made a few trades on robinhood and want to now take money out of account. Account gets restricted and my funds are inaccessible. 
I have contacted Robinhood many times to try and get account un suspended by sending verifying documents, joining phone wait list but havent fixed it at all. Just a push back in the date that the account should be fixed by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my accounts, Experian, XXXX and XXXX. I am currently in the process of buying a house and needed to have the security freezes lifted so the bank can run my credit report. XXXX and XXXX have lifted the freeze, Experian will not. I have called several times with no luck. They keep telling me they are going to mail me my pin to do it on line but the pin never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a XXXX Credit card with XXXX  bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX and XXXX which I never opened with high balances that were put into collections.
Product: Debt collection

Im unaware of this debit I never had an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... 

Please proof I was late on this as account it reporting different on all three credit agencies. 

FIFTH THIRD BANK NA # XXXX
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 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 users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I WAS PART OF THE DATA BREACH FROM EQUIFAX AND DEMAND THESE BE REMOVED! I I SUMMITED A REPORT TO THE GOVERMENT FOR THESE ACTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to XXXX  and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX  account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Debt collection

I am filing this complaint against Experian for verifying a debt that was linked to a fabricated address. The validation process used is not only insufficient but also violates the Fair Credit Reporting Act ( FCRA ) due to the use of incorrect and fraudulent information.

Key Issues : Fabricated Address Used for Verification : Experian verified a debt using an address that does not belong to me, making the entire verification process illegal under 15 U.S.C. 1681s-2 ( a ), which mandates that only accurate and verifiable information can be reported.

Failure to Provide Proper Verification Documentation : I have repeatedly requested the original contracts, including wet signatures and IP address logs that show when and where the contract was signed if done online. Experian has failed to provide any of these essential verification documents. 

Continuous Reporting Despite Disputes : Despite disputing this debt multiple times, Experian continues to report the account as verified without sufficient documentation or proper investigation as required by 15 U.S.C. 1681i.

Legal Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of the dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Re-aging and continuous reporting of incorrect information.
Product: Credit reporting or other personal consumer reports

" I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 


Listed below are the Accounts that are being challenged XXXX  XXXX XXXX XXXX XXXX {$12000.00} 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: Vehicle loan or lease

I need the {$12000.00} taken off since my car was repossessed last year.
Product: Debt collection

XX/XX/XXXX a claim was filed against me by portfolio recovery associates its been 4 months sice paper was filed they bought a XXXX XXXX  account on XX/XX/XXXX {$11000.00} they are asking for additional fees that come out to XXXX. They have violate my consumer rights i did not authorize for any of my personal information to be sold. Now i am being harassed by a third party company that i dont have a contract with. I am asking for deletion immediately 15 U.S. Code 1692
Product: Mortgage

Locked in four separate mortgages with XXXX XXXX  of Citibank this past Saturday XX/XX/19. For my primary residence I was quoted 2.75% on a 20 year fixed mortgage with no points assuming a conventional loan and a 60% LTV. This rate was also confirmed with XXXX XXXX  in her department the day before. Later in the day on SaturdayXX/XX/19 XXXX  sent me an email telling me that my rate had changed to 3.00%. I asked her for the reason behind this and she said that my credit score came out lower than she expected. My credit scores ranged between 766 and 810. Speaking with another Citibank representative I was told that this is still considered "excellent credit" and would not affect the rate. Her manager XXXX XXXX spoke to this other manager and determined that XXXX  had lied and the reason for the lower score was that the LTV was higher than 60%. I asked Citibank to correct the loan based on what I was quoted with the rate and terms with this information and was told that they wanted me to pay another quarter point. It seems as if Citibank did not lock in my rate on Saturday correctly. Additionally, I have asked the manager multiple times to call me back and he consistently has failed to do so.
Product: Debt collection

IQ Data International. Spoke to a XXXX XXXX I specifically asked for documentation to back up debt itemization, he claims they sent it to my address, and it was signed by post office delivery, don't remember receiving this. I also got one letter from them 2.5 years ago trying to resolve the debt with a one time payment of {$1500.00} and they also told me to have someone else pay it or get my credit card they noticed I had credit on my cards to cover a said amount at time sounds fishy to me. I'm not paying a debt that has no documentation. So I called the original rental company no one has any records company doesn't exist anymore, nor did I ever get a bill from said company. XXXX threatened to sue if I didn't pay by the end of the day and this debt keeps getting reported and adding interest on my credit report. It's causing me problems with insurance hikes loan hikes and getting a job or moving. Funny when all of my bills are paid on time perfect credit history and these people are the only ones on my credit trying to make me pay a debt with no documentation.