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

This debt collector has engaged in unfair activities that are prohibited by the FDCPA. They provided this account, which we did notagree upon, and I didn't sign an agreement with legal force that requires signatures of the twXXXX XXXX  XXXX from taking part in any of it. They failed to adhere to the correct 5-Step Validation process. They obviously violated my rights and abused my privileges, and I am entitled to pay for these offenses under the FDCPA. I insist that this account be deleted right away.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reviewed my credit report to wonder why I am getting denied lines of credit. To my surprise I noticed XXXX accounts reporting that I have not give consent to authorized those account to be reporting on my consumer report. This type of action is a violation of my right for privacy. No creditor or collection gave me any option from sharing my personal information to third party affiliates. Also I search for my information to see if my personal information have been exposed and the result so that research shock me. I am a victim of identity and exposed to a National Data breach. I am demanding for all bureaus to remove the accounts listed within the FTC and based on the XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. XXXX sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( convergent outsourcing Inc. ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for XXXX  mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 
This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 
I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX  XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX MI XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXXBalance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$10000.00} ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF EDXX/XX/XXXX 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a series of inquiries that I do not recognize and seem to be of a fraudulent nature, I have already disputed and showed an ID Theft affidavit but they have not been removed. The Inquiries are the following : Equifax XXXX CARD XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX Equifax XXXX FCU XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I recently within the past week received emails from Experian and a company I was unfamiliar with. They both warned me that credit cards had been opened under my name.
Product: Checking or savings account

On XXXX I called Wells Fargo to inform them there was some charges I did not authorize I informed them I hadnt received my atm card and that I lost my phone I told agent on XXXX on XXXX agent says claim denied because I never informed that my phone was lost
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with CAPITAL ONE, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, CAPITAL ONE, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, CAPITAL ONE has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to CAPITAL ONE. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Product: Credit card or prepaid card

In XX/XX/2019 I gave my credit card over the phone to make a {$1000.00} deposit with XXXX XXXX  XXXX XXXX to hold a used XXXX XXXX XXXX XXXX XXXX  for me for 10 days so that I could arrange to physically inspect it and then decide to comply the purchase if the condition was as advertised on XXXX as I lived 3 states away and needed to drive 3 days to get there ( XXXX, NV to XXXX, CO ). The merchant never provided me any of his terms or policy as to forfeiture of my deposit or that it was non-refundable and I signed no forms from the merchant to this effect. Upon arrival the unit was in very poor condition so I asked for a refund. The merchant XXXX said he would need to check with the actual seller directly first, as title was in the owners name and not the merchant. The next day I was informed that the deposit would not be refunded to me. I immediately called and started the dispute process with Citi which took over 3-4 months. I was then notified that Citi resolved the matter in favor of the merchant since the merchant had the power to simply refuse my dispute. This is not acceptable to me. The merchant has acted in bad-faith and his false advertisement of the product induced me to waste my time, effort and money. My wife is a witness as she was with me throughout this transaction and unit inspection. Citi has al of my documentation in their dispute file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

attempted to sign up for a free trial for some gummies in XXXX XXXX website froze before i could get through the process. i decided to not go through with the free trial. In XXXX the national medical administrators , inc. sent me a letter saying i owe {$110.00} ( twice ) to XXXX XXXX label x. this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX Equifax  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Product: Mortgage

I have made a payment of XXXX towards the loan on XX/XX/XXXX. The lender notified me that I haven't followed the process and they will return the funds so that I can certify the funds and pay the loan. I was told funds will be returned within 24-48 hours and I have been calling since then to get an update on when my funds will be returned so that I can follow the process. Finally, they say funds will be on hold for 45 days ( 30 business days ), neither they apply to the loan nor return it back to me so that I can follow the process. I have asked them to give me a written confirmation at least and they have rejected. 

While my funds are with the lender I am paying interest on it,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im filling 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 there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX
Product: Credit card

Someone compromised my credit card a ran my XXXX XXXX card up to XXXX without releasing the funds to my credit cards and I got stuck with a bill of XXXX dollars in debt.i have a XXXX card and someone compromised it and left me stuck with a bill.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against ChexSystems XXXX XXXX for their failure to conduct a proper investigation into my dispute regarding inaccurate information on my consumer report. Despite providing all necessary documentation and evidence, ChexSystems failed to correct the inaccuracies, leading to continued reporting of incorrect information. 

This failure to investigate properly has resulted in significant harm to my XXXX XXXX, financial standing, and has led to denials of credit and higher interest rates. ChexSystems actions, or lack thereof, constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681. 

The specific violations include : XXXX. Failure to conduct a reasonable investigation of my dispute, as required by 15 U.S.C. 1681i. 
XXXX. Continued reporting of inaccurate information, violating 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
XXXX. Potential civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as Equifax XXXX XXXX and XXXX just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report were made without my authorization. Please erase them per 15 USC 1681c-2.
Product: Debt collection

I FILLED BANKRUPCY IN XXXX, AND I PUT THE PAYDAY LOAN ON IT, BUT APPARENTLY THERE WERE OTHER PAYDAY LOANS IN SMALL PRINT, AND DID NOT SHOW UP ON CREDIT REPORT NOW FOR THE LAST FEW YEARS ON AND OFF OTHER COMPANYS HAVE BEEN THREATENING TO TAKE ME TO COURT ECT ... .AND TODAY XXXX XXXX THEY HAVE CALLED ME 5 TIMES AND LEFT A MESSAGE SAYING I NEED TO CALL THEM BY XXXX TONIGHT OR THEY WILL TAKE FURTHER ACTIONS, I TOLD THEM I FILED BANKRUPCY ON THE PAYDAY LOAN AND THEY INSIST THAT THEIR ARE OTHER LENDERS IN FINE PRINT THAT ARE PARTNERS WITH PAYDAY LOAN ... WHAT DO I DO?
Product: Student loan

After applying for a consolidated loan Navient has not provided me with an income eligible loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to TransUnion and XXXX remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.
Product: Mortgage

I've tried to apply for mortgage XXXX Because of wells fargo predatory I have not been able to purchase a home. 
Wells Fargo allowed to purchase a home making for XXXX making $ XXXX Once I told them I had a DBA from years ago that's all that was required. Once in the house there was a hurricane and I contacted them and I was told not to worry about payment due to disaster. 
Once modification was done my payment jumped from XXXX to almost XXXX I didn't know what to do. I was continually told they would give me modification I went through that several times. I was told I could save my house by filing bankruptcy and I made I've XXXX in payment but payments kept changing once payments got up to XXXX I had to let go. All of the money I invested gone. I also had almost XXXX in payments sitting with wells fargo., a young lady ask if she could apply it and that would cause the amount I owed to decrease but the next thing happened wasn't a modification but bankruptcy. I received a letter stating I owed XXXX dollars and agreed to pay and ask if I could pay the attorneys fees of {$800.00} dollars I was told I would have to contact attorney, the attorney told me it was up to wellsfargo.results I lost my home in XX/XX/XXXXat XXXX and can't get a home because of wellsfargo predatory lending. 
I never sat down with anyone about my credit or anything, just went the young lady told me the person who suppose to go over my credit was out.so she told me payment amount and I went and picked up key. 
I know I should have not believed this was a dream come true but I sincerely believed GOD had blessed me with a home. I just want to be able to get me another home. Banks like that won't accept the responsibility for what they did and the hardship they caused me, its OK they have to answer to a higher power one day. I just want that bankruptcy off my credit report so that the years GOD gives me I can live in peace.