23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was offered a promotional no interest and fixed extended payments with Rooms to Go using Synchrony Bank credit card. 
On XX/XX/XXXX I made a purchase at RTG outlet in XXXX XXXX LA for a mattress and a chair. I was given an approximate amount that would be due of about XXXX and was told that I would receive the documents for billing from synchrony Bank in the mail. I never received a billing statement from synchrony but I downloaded the RTG app on my phone and made a payment of {$35.00} on XX/XX/XXXX. ( I was told the payments would start in XXXX but wanted to pay early since I only get paid once a month ) I received an email from RTG saying a payment was due so I made another payment of XXXX. On XX/XX/XXXX. ( I assumed that my prior payment was not enough to cover the XXXX fee ) In XXXX I still received nothing from synchrony bank but I noticed I was charged a fee of XXXX on XX/XX/XXXX and a late fee on XX/XX/XXXX of {$30.00}. The payment I made on XX/XX/XXXX for {$64.00} was supposed to be XXXX payment. 
I was confused as to why the monthly statement was higher than expected and why I was being charged interest and late fees. ( XXXX interest on XX/XX/XXXX ) When I contacted synchrony about the billing, I was told that only the mattress had been put on the promotional no interest/fixed payment plan and that I was supposed to be making two separate payments per month. I notified them that I had not received any statements and that this was not what I was told at the RTG store. 
I paid the total price of chair {$280.00} and was told that they would refund the late fees. 
They did refund the late fee of XXXX sept. XXXX and said they would send the billing statements. I notified them that i needed the due date to be on last or first day of month. 
I continued to pay using the app : XX/XX/XXXX {$34.00}. And on XXXX XXXX {$68.00}. 
On XX/XX/XXXX I noted a negative reflection on my credit report and went to app to see why my account balance and monthly payment was higher. 
I noted that they had charged a late fee of XXXX. In XXXX, XXXX. In XXXX, an interest fee of XXXX. In XXXX and was saying I owed another XXXX. Before XX/XX/XXXX. 
I paid the XXXX. And called synchrony bank. They said my due date was the XXXX and NOT the last day of month and therefore they could charge a late fee. They had not changed the due date as requested in my last phone contact and I still was not getting statements. 
I signed up to receive electronic statements in the future but requested all docs be sent by mail for dispute. 
I have made a payment Every month and sometimes twice a month. I have made 9 payments since XX/XX/XXXX when I made my purchase and should NOT be paying late fees since I have been trying to pay a month ahead. 
Also, a late fee that is in excess of what my monthly set fee is excessive and unfair. It goes against the credit card act of XXXX. 
I have again requested that ALL late fees be returned, that my due date is changed to one that is near my pay day, and that I am NOT charged interest since my promotional plan was fixed rate no interest. I also want my credit report to be changed to reflect on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, Nelnet is NOT the original servicer of the DEPTEDNELNET Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

Nelnet has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers. The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple DEPTEDNELNET Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Debt collection

I was taken a look at my XXXX XXXX report and I see I have a collection debt account for {$470.00} from TRANSWORLD SYSTEMS for XXXX XXXX XXXX I have no knowledge of this company account with TRANSWORLD SYSTEMS for XXXX XXXX XXXX taken in XX/XX/2016 This is the only collection on my credit report and I would like it removed
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I send XXXX XXXX a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with Trans Union, XXXX  and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint XXXX which was resolved to my satisfaction by USAA 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, USAA reverted to the prior incorrect reporting with XXXX and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, USAA has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX via Certified Mail XXXX. XXXX I submitted to Capital One, N.A i exercised my right to Privacy via 15 USC 6802.

12 CFR 1016.7 also expresses my rights to OPT OUT of any information I choose as a consumer with rights to Privacy per the Privacy act of 1974 and the listed USC codes within this complaint. 
Capital One, N.A responded and has chosen to deny my rights I've exercised per 15 USC 6802 and CFR 1016.7 as I have written a letter to do this because they have 12 CFR 1016.7 ( iii ) Unreasonable opt out means. Nonetheless my rights were exercised and negligence by Capital One, NA, XXXX, and XXXX are all apparent. 

Within another complaint made with CFPB regarding this situation regarding my right to opt out, XXXX has honored my request. Their reinvestigation concluded and have fullfilled my opt out request after they said to have reached out to the furnisher " CAPITAL ONE, NA. '' What reason is there that XXXX reached out to Capital One, NA and honored my request but XXXX and XXXX have not. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One, NA has been notified of my OPT OUT. I have revoked their power to disclose my personal information.

THE CFPB has a duty to enforce per 15 U.S. Code 6805. THE CFPB is aware of the negligence CAPITAL ONE, NA, XXXX, AND XXXX are all committing. evident. 

Any and all consent to XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in regard to any/all accounts pertaining to Capital One, NA.

Consumer Protection Finance Bureau ( CFPB ) must enforce my rights to OPT OUT being exercised per 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Product: Debt collection

I called creditors on XX/XX/2024 and spoke to representative asking them This item is inaccurate and incomplete because I never recieved my requested for my forward flow agreement and chain of assignment that is law. I am requesting that this item be removed from my credit.Please investigate this matter and delete and or correct these disputed item as soon as possible.
Product: Vehicle loan or lease

XX/XX/XXXX Subject : Issues with Mercedes Benz Financial Services To Whom It XXXX Concern, My name is XXXX XXXX. XXXX : XX/XX/XXXX. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been experiencing persistent issues with Mercedes Benz Financial Services ( MBFS ) over the past year. Whenever I visit a Mercedes dealership to lease or purchase a car, I receive an automatic decline from MBFS without a valid explanation. Despite my inquiries, neither the dealers nor MBFS provide clear reasons for these rejections. 
Here are the key points : 1. Repetitive Declines : Every attempt to lease or buy a Mercedes results in an automatic decline. 
2. Lack of Explanation : Dealers are unable to obtain a valid reason from MBFS for the denials. 
3. High-Value Customer : I have been a loyal Mercedes Benz customer for decades, with excellent credit and a history of purchasing luxury vehicles ( including XXXX XXXX and XXXX ) with instant approvals. 
XXXX. Recent Attempts : On XX/XX/XXXX, I visited XXXX in XXXXXXXX XXXX XXXX and MBFS declined my application without explanation. Similarly, on the same day, XXXX XXXX in XXXX XXXX XXXX faced the same issue when they contacted MBFS. 
Additionally, my daughters, XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX ( XXXX : XXXX XXXX ), both attempted to purchase a Mercedes. Despite their excellent credit history, they were instantly declined without valid reasoning.

I have made numerous attempts to seek clarification from MBFS, but all my efforts have been in vain. As a frustrated customer, I feel denied of my rights. I urge you to address this matter promptly. If I do not receive a valid explanation for the repeated declines, I will escalate the issue further. 

Thank you for your attention to this matter. 
Sincerely,
Product: Credit card or prepaid card

I asked for this account to be removed as fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. Please delete these accounts on my credit file ASAP.
Product: Debt collection

LVNVFUNDG is a Fraudulent account. I was a victim of identity theft. account # XXXX. I don't have any information because i don't know who these people are.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account XXXX : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to buy a car today XX/XX/2020 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from TRANSUNION, XXXX, & XXXX. Proper identification is provided.
Product: Credit reporting or other personal consumer reports

These unauthorized agencies XXXX, XXXX and Equifax are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

Thank you, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I traded in a vehicle to XXXX during the purchase of another vehicle. The loan for the trade was paid in full and left with a XXXX balance yest for the past 4 months the huge balance is still showing owed and negatively impacting my credit score and debt ratio. I have asked to please update my consumer credit reports as this is a paid loan and was never late and no money is owed but XXXX has not. Now my credit score is dropping and debt ratio is a major factor this is {$24000.00} being incorrectly reported
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Experian, XXXX, and XXXX for multiple violations of my federally protected consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, 1681i ( 5 ), and 1681s-2 ( A ) ( 1 ).

I have previously contacted Experian, XXXX, and XXXX to reinvestigate inaccuracies in the reporting of my account details. The accounts in question are as follows : 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 Despite my explicit requests for reinvestigation, all three agencies have concluded that the information was complete and accurate. This conclusion is impossible, given that the data concerning open dates, dates of last activity, among other details, are incorrect. This misreporting is a direct breach of 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must correct and update incomplete or inaccurate information. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. It is evident that this statutory requirement has been disregarded, thereby jeopardizing my right to privacy and confidentiality, as well as exposing me to potential financial and reputational harm.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's 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 is a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.