23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' Navy FCU is reporting different payment activities with 3 reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I have disputed the alleged collection with XXXX and Equifax several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Product: Checking or savings account

On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Product: Student loan

I went through a divorce and I have a daughter that is totally XXXX. I was on time with my payments when I was put through a divorce. Now my interest and payments jumped up XXXX. Making it almost impossible to pay back. I am just now getting back on track where my check isn't garnished from marital debt that I was left with. I am getting ready to lose my job cause it is moving and closing. 

It is impossible for struggling people pay when the loan company Navient charges so much interest. If the interest was lowered and it was closer to the true amount I actually owe, I would be able to pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX, CT XXXXXXXX XXXX XXXX XXXX Balance : {$330.00} Late Closed : ( Included in Dispute As per advised ) XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} - ( as advised ) XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$56000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.
Product: Credit reporting or other personal consumer reports

This is one of my many attempts to inform credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX, XXXX, D XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

An initial fraudulent credit inquiry was discovered from " XXXX  XXXX '' in XXXXXXXX XXXX XXXX Most recently an additional fraudulent credit inquiry was highlighted on my credit report from " XXXX  XXXX '' on XX/XX/2022. I did not request nor authorize these inquiries. Upon creating an account with the credit bureau ( TransUnion ), I noticed there were additional fraudulent inquiries that remained unreported on my credit file along with unrecognized phone numbers attached to my account.
Product: Credit reporting or other personal consumer reports

A debt collection company by the name of Procollect is reporting inaccurate information to the credit bureaus. I have paid the debt prior to it going into collections. The apartment complex will not furnish any additional information to collaborate to the debt collection company. They stated that it is out of their hands. I have provided the paid in full receipt to Procollect and XXXX and they keep validating the debt and not removing it from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
Product: Debt collection

1006.34 Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.
Product: Debt collection

I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX debited my card XXXX times to take {$180.00} from my account. I tried to lock my card but was unable. I called cash app .that money was on the phone 3 hours with manager. She said she would log all unauthorized charges. But failed to do so. 2 more times on the phone for 5 hrs. An unauthorized charges said will be investigating but nothing. XXXX XXXX XXXX. Refunded me XXXX XXXX cent in my favor. But I have XXXX of the same but cash app has failed me an thinks this is a joke. I've had enough. I want someone held accountable. An I want my money back. They closed my account. Lock my card. This is very unsatisfactory business practice..
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I've included FTC report and all required documents to have fraudulent inquiries removed. Equifax has refused to do so, I did not authorize nor benefit from these inquiries under the FRCA there fraudulent inquiries should be removed within 4 days Equifax has violated my consumer XXXXright refusing to do so. I've provided My photo ID, social security card, utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same problem with all 3 credit reporting agencies. XXXX XXXX XXXX has corrected my credit report for XXXX XXXXXXXX XXXX. Please help me ask Experian to make the correction as soon as possible as they are causing great stress to my financing of my first home purchase. Thank you very much.
Product: Debt collection

When I called to settle debt, I was told I owed twice amount owed. When I Told the company I didnt have it, they asked how much I had. Once we reached an agreement to settle account, I asked if this would remove the collection. I was told It would that it would take 2-3 business days for my payment to clear and the collection account would be removed. Now after several disputes and calls to collections agency, They are denying telling me it would be removed. I feel so lost, Lied to and frustrated.Im a single mom and wouldnt of paid that amount to not reflect my credit.
Product: Credit card or prepaid card

Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.
Product: Debt collection

In XXXX my son rented an apartment from XXXX XXXX  ; I was cosigner on the lease. After he moved out in XXXX, XXXX, he was informed that he owed {$750.00}. He paid it. In XXXX, XXXX, I was informed by National Credit Systems, of XXXX, GA that they were attempting to collect an unpaid debt of {$750.00} from XXXX XXXX I contacted National Credit Systems for further information that I passed on to my son. He provided a Paid statement from XXXX XXXX, dated XX/XX/XXXX, acknowledging receipt of {$750.00}, and that he owed nothing further. I sent this statement to National Credit Systems, formally initiated a dispute, and asked if they needed anything further from us to resolve it. They asked for a bank statement showing a withdrawal of {$750.00}. This was provided to them within 48 hours. In spite of a formal dispute, with documentation that the debt had been paid in their possession, National Credit Systems informed XXXX, XXXX, and XXXX that I had a debt in collection, necessitating me to file disputes with all three credit reporting companies. My credit rating dropped XXXX points. I have further provided National Credit Systems with a copy of a Money Order, made out to XXXX XXXX for {$750.00}, and cashed on XX/XX/XXXX. They say that they are investigating the matter. I contacted XXXX XXXX  directly, and received an email saying that nothing was owed, which was forwarded to National Credit Systems. In spite of being provided with proof that the debt was paid promptly in XXXX, XXXX, there is no evidence that National Credit Systems is acting to resolve this dispute and restore the damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to AMEX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I financed XXXX through Paypal credit under a promotion offering 24 months interest free. On XX/XX/XXXX I financed around XXXX with a promotion of 6 months interest free financing. I wanted to pay off the balance with the 6 months interest free prior to the interest kicking in, so I made an XXXX payment on XX/XX/XXXX. Paypal applied the XXXX to the 24 month interest free loan instead of the loan ending in 6 months. Leaving me with 5 months to come up with the remaining XXXX before the interest kicks in. This seems like a deceptive practice as any other banking institution that I know of would apply the funds to the balance with the promotional period ending soonest, but Paypal states they apply the payment to the loan with the lowest APR first, or in this case the longest promotional period. So, they pay off loans that are at 0 % interest leaving you with loans that may be charging 19 % or more. This should not be allowed as it is unethical and stealing from consumers.
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. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.