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

Over the last several years I had informed Pentagon Federal Credit Union at least XXXX times to opt out my account from sharing my information with PenFed 's affiliates and third parties and from marketing. However, recently I started to receive additional marketing solicitations from PenFed ( I am attaching XXXX such solicitation ). It appears that PenFed does not honor customers ' requests for privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off account with Capital One dated back in 2018, after several attempts both Capital One and I had agreed to settle the account for less than what was charged off. Capital One had a law firm by the name of XXXX XXXX XXXX representing them. It was agreed upon payment that once I paid the balance that they would remove the negative account from my report. I have tried several times to communicate with Capital One and let them know this negative account was still reporting on my credit report after I had paid the agreed balance. Now Capital One is telling me that they do not do pay for deletes, but it was agreed upon with their lawyers and sent that agreement to me as well. Capital One was willing to work with me and help me remove this negative item, now years later they are saying that they will not do such or that they can't " find '' that agreement that would remove this negative account.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my XXXX and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap
Product: Credit reporting

I have a few issues with the investigation that Equifax did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All throughout the letter they state, " We have verified this account as yours or belongs to you. '' never, in any part of my letter to them did I state that the mentioned accounts were not mine. Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Equifax read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Equifax responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
Product: Credit reporting or other personal consumer reports

I have requested validation of proof from the creditor and XXXX  as they did not honr my ftc request at all
Product: Checking or savings account

XXXX i want to chase bank location on XX/XX/XXXX, they let me proved me to open account and few week they decide to close my account without me why they closed my chase bank account.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. 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. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation 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 items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed items/accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " PINNACLE CREDIT SERVICES, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. THIS CASE OF PINNACLE WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER DISCHARGED UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them
Product: Debt collection

On XX/XX/2019 I sent a certified letter to the company, requesting the account to be verified and validated but the company failed to do so. They failed to send any proof that the account belonged to me. No contracts, no fee explanation they failed to send anything at all in regards to this debt of {$250.00} said to be owe to ( Credit Management ) XXXX XXXX dba XXXX.
Product: Credit reporting or other personal consumer reports

Please note that the recent response from TRANSUNION to the CFPB ( case # XXXX ), is unacceptable The company is ignoring my request, If they are reporting negative information that I did not consent nor given PERMISSIBLE PURPOSE to any of all inquiries on my submitted list with NO proof as of my consumer right by law. If they are not removed immediately I will seek damages through my FCRA attorney for the hurt TRANSUNION have caused me and my family. If you XXXX Company TRANSUNION ) are reporting it on my report they should be held liable, it is your company 's responsibility XXXX TRANSUNION ) to investigate and as I see you are fully in violation in doing so. REMOVE ALL FROM MY REPORT IMMEDIATELY!!!! 
CFPB I'm asking that you hold them accountable to my consumer rights.
Product: Credit card or prepaid card

I was fooled into applying for a credit card with capital one and the odds said it was good chances thatll get it but, I was denied and my credit score was effected by it.
Product: Mortgage

have pending foreclosure in court for XXXX years due to false presumption of servicer XXXX to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract. 
After all there is XXXX servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX NCB MANAGEMENT SERVICE : Amount : {$4700.00} Account # XXXXXXXX NCB MANAGEMENT SERVICE : Amount : {$1400.00} Account # XXXXXXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # 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 an account without my written instructions 15 U.S.C 1681 section 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My entire wallet was lost while out with some friends with some very important information in it that allowed scammer and hackers to access personal information belonging to me. I attempted to go to the bank take my money out and report my card lost and stolen to only find out my account is in a no check status and i could not withdraw any money as well as do anything to my account. Days later i received checkbooks and other items saying that i opened up 6 new accounts via online which I had no clue at all about. Also in the mail i received fraudulent checks that were deposited into my account. The checks nor the 6 new accounts opened in XXXX did not belong to me and I will not take responsibility for these actions. The signature on these checks were not my signature. The suspect forged my signature on these checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX IN Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Checking or savings account

I was a customer of Chime Bank an online bank company for over 3 years. I had a checking and savings account which had XXXX in them. I changed my phone number and email address via the app they have and they determined that was suspicious activity. I provided all the documents they asked proving who I was and they still closed my accounts and informed me they didn't have to return my money. And they still have kept it please help me I gave kept all the emails with documents I sent them ect.
Product: Debt collection

XX/XX/XXXX, I was trying to qualify for a home loan I was confronted with a debt from a company Receivables Performance. I XXXX the companies contact information. I spoke with several people about the debt they stated I owed to XXXX. I asked for a breakdown of the charges owed to XXXX. On my credit report it's currently reading I owe a balance of XXXX highest of XXXX. I then asked for a letter of some kind to confirm the balance. The representatives of the company stated it would take 30 days I also asked for a letter to confirm they are truly collecting on the behalf of XXXX. I was said they sent me a letter in XXXX. I explained I never got it. I even asked them to email it to me it was against companies policy. After going back and forth I paid what was to be a settlement amount of XXXX on XX/XX/XXXX. I was then told I would get a letter via email to confirm that the bill was paid. It was also stated to me that the settle would be updated on Sunday XX/XX/XXXX. After 24 to 48 hours of the payment clearing my bank. I called back on XX/XX/XXXX and spoke with yet another representative to confirm my payment and asked about my letter to confirm my payment I was told the letter takes 10 days to generate. I still don't have a letter or receipt of payment. I was called on XX/XX/XXXX and asked to make a payment of XXXX or XXXX to settle the remaining balance of the debt. I stated to agent I paid the agreed amount the agent kept saying that wasn't what we agreed upon. I asked for a manager. The manager said she was sorry my number was accidently called 5x and would remove my number from the data base and would sent my receipt of payment within twXXXX hours of our phone conversation. No letter or email. I called back on XX/XX/XXXX requesting a receipt the agency told me it was under review and I would get it in a hour of our phone call.
Product: Prepaid card

My card with card number XXXX is expired on XX/XX/22 but I was unable to request a replacement card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report inaccurate and incomplete information for account number : XXXX / vehicle : XXXX XXXX XXXX as having a late payment during XX/XX/XXXX nearly a year after the account was paid in full during XXXX XXXX Bankruptcy. These actions continue to have detrimental and negative impacts on my credit scores and credit reports across my credit file with multiple agencies. As to date, XXXX XXXX XXXX XXXX has refused to correct the information or delete the credit file. During multiple credit disputes, XXXX XXXX XXXX XXXX has stated the account was reporting as accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports. 
15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission. 
I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries own my report.
Product: Vehicle loan or lease

World Omni Financial Corp., also known as XXXX XXXX XXXX   has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX XXXXc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 7 " NAVIENT '' ACCOUNTS ON MY CREDIT THAT ARE REPORTING LATE ON XX/XX/2020 & XX/XX/2020. THIS IS INACCURATE BECAUSE PAYMENTS WERE DEFERRED DUE TO COVID19. THE CARES ACT PASSED BY THE FEDERAL GOVERMENT MEANT THAT NO PAYMENTS WERE REQUIRED. PLEASE RECITIFY THE LATE PAYMENTS ASAP.
Product: Credit reporting or other personal consumer reports

XXXX. Failure to Validate the Debt : Under the Fair Debt Collection Practices Act, I have previously requested validation of this debt starting back from XXXX of last year and numerous times since. To date, the creditor has not provided any original signed contracts or agreements that legally bind me to this debt. Copies of statements or generic account summaries are insufficient and do not constitute proper validation. 
XXXX. Incorrect Reporting of Charged-Off Debt : Since these accounts have been charged off, I should have received a Form 1099-C from the creditor, indicating that the debt has been canceled and considered as income for tax purposes. Income is not a tradeline and should not be reported on my credit report. The continued reporting of these charged-off accounts is in violation of the Fair Credit Reporting Act, as it does not accurately reflect my current financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 52 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 50 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Eqiufax data breach possibly gotten into the wrong hands of someone who is not me!
Product: Money transfer, virtual currency, or money service

Someone wrote me a fraudulent check trying to scam me once I realized I contacted my bank theyve had my account locked for almost two weeks now with no update Ive received my regular deposit from my job and they wont give me access to that money
Product: Credit card or prepaid card

I received a new XXXX in the mail from Fortiva on Saturday XX/XX/2023. 

I did not apply for this card, authorize this card, or desire this card. 

The company sent me a " congratulatory '' email on XX/XX/2023, that a card was being mailed to me unless I responded. I did not see the email in time. 

I also received a credit alert from my credit monitoring service that my credit score had dropped because a new account had been opened in my name. 

I contacted the company on Saturday XX/XX/XXXX to complain that this was unauthorized. I asked to speak to a manager. They said one would call me. No one has called.
Product: Checking or savings account

I can not access mine and my husbands money in USAA Federal Savings Bank. I have had durable power of attorney since XX/XX//2020. I have faxed every document they have requested to prove who I am, who my husband is, Every time they ask for a new document or take a note they place another 3 day hold on my account. As soon as I am done waiting on the first 3 day period they put another 3 day period. They dont allow you to speak to their fraud department. Not even can the representatives speak to them when needed. They are not allowing me to access our money and my home is going into foreclosure because I can not access my money to pay my mortgage.
Product: Mortgage

Vanderbilt Mortgage & Financing sold my mortgage prior to completion of an ongoing insurance claim of which they were withholding pmt from the insurance. XXXX XXXX, who is the purchaser of the mortgage claims that they did not receive any of the interest generated while V.M.F. held funds V.M.F. is refusing to provide any record that the interest was in fact sent to the new mortgage co. Additionally it is unclear what documentation pertaining to the insurance claim was sent to XXXX XXXX. XXXX XXXX is unable to give me access to there digital file to confirm that they do infact have all if the documentation needed. This results in a significant amount of my time and expense recopying and mailing every piece of paper related to this claim to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$14000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I attempted to purchase a laptop at an XXXX XXXX using my Apple Card. Despite having ample available credit, the transaction was declined due to a fraud hold placed by Goldman Sachs. 

I immediately contacted Apple Card Support to verify the purchase and confirm my identity. I was informed that the fraud hold could not be manually overridden and that the matter would require a XXXX business day review. This delay is unacceptable, as the purchase is legitimate, verified, and urgently needed. 

I requested additional information about the fraud detection process and the reasons for the hold, but I was not provided with a clear explanation. Support staff were unable to escalate the issue to someone with authority to resolve it. 

Goldman Sachs inability to provide timely resolution or manual approval for verified transactions is preventing me from using my own funds and has caused significant inconvenience. I am seeking immediate resolution and a review of their policies to prevent this from happening to others.