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

After I paid in full my credit card on XX/XX/2020, I only received a letter stating my account was going to be closed with any other reason. I've not missed any payment since the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I filed a dispute immediately after discovering a fraudulent transaction of double charges ripped off from my credit card by the XXXX company. I never authorized that transaction, however my card information that was saved in my portal of the XXXX company, was misused and fraudulently charged by the merchant. Capital One Bank-my creditor, was notified immediately after discoevring that fraud and financial abuse. Capital One Bank executives including the CEO and President, were informed of that fraud that was covered up by the creditor 's dispute department. My creditor acted in favor of the fraudster merchant company and neglected all facts supporting my dispute for full chargeback and refund. The Capital One Bank bureaucrats-teh CEO and President repeatedly refused to address my concerns and avoided me. SInce XXXX up to date, the Capital One Bank blatantly denied my disputes cosnpired with the XXXX company fraudsters. I demand from the Capital One Bank immediate resolution of my dispute and full refund based upon credible evidence and burden of proof provided by me in support of my legitimate dispute. See attached copies of my emails sent to my creditor bank executives.
Product: Vehicle loan or lease

I purchased my vehicle in XX/XX/XXXX. On XX/XX/XXXX, I had XXXX and was out of work until XX/XX/XXXX. I called Ally and spoke with a man in XX/XX/XXXX requesting to push a payment to the end of my loan due to being out of work for 2 months. He said I could do that by making a payment which I did on the phone with him after explaining that i did not have the funds due to being out of work XXXX even the reason i asked to push the payment to the end of my loan. The payment was not pushed to the end of the loan i then fell behind on my payments. They have reported to my credit report a repossession in XX/XX/XXXX which is false because a payment was made in XXXX. I paid {$1900.00} to them in XXXX and today i spoke with XXXX XXXX extension XXXX to attempt to make a payment and she refused to set up a payment or allow me to speak with a manager. How can you report someone late who has spoken with multiple people to get the account caught up. They call me multiple times a day on my cell phone, when I answer they hang up or do not leave messages. The are violating FCRA AND TCPA REGULATIONS and they are not willing to assist their customers with getting accounts caught up. When I set up a payment in XX/XX/XXXX the girl told me to make my payment in the amount of the car note and dont worry about the past due amounts billed to my account but she failed to mention that my account would be reported last due since the full payment amount was not made. Please review every call I had with Ally, remove the past due and repossession as I have worked with this company for almost a year to get this account caught up.
Product: Checking or savings account

On XX/XX/22 I used the Chase ATM on XXXX XXXX at address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I attempted to use my ATM card to withdraw {$500.00} from my account but the ATM showed a message that it could only distribute {$200.00}. The ATM delivered multiple bills of {$5.00} that were stuck in the ATM cash slot. When I tried to retrieve the money, the ATM pulled the bills back inside. I was able to retrieve some of the cash to the amount of {$100.00}. However, the remaining {$100.00} were not distributed to me by the ATM. I filed a complaint with Chase regarding the missing amount that remained inside the ATM. Unfortunately, Chase determined that this claim was not founded by their own ATM audit and reversed the temporary credit they previously issued me. I faxed a letter to the bank to let them know I disagreed with this decision.
Product: Debt collection

After reviewing my latest credit report, I noticed several accounts that appear to have been added without my authorization. Please investigate these accounts and remove them as they are fraudulent.
Product: Credit card

Last year I had a complain with XXXX on XX/XX/XXXX. ( I have the case number and a copy of the letter ). They sent a letter to you and I received it, where they explained what happened with my payments, a letter with explanations, and they did the corrections. This month XXXX is been calling me again asking for the payments of XXXX and XX/XX/XXXX, I called the agency XXXX XXXX XXXX and they have prove and copies of the checks that they sent to the bank, they said that they sent the check of XXXX or XXXX but they did n't adjust that payment, they called the bank, and they still waiting for a response. I called the bank and nobody fix the problem, I ask many time for a bill of both credit card and only received XXXX of them. Once again I have the situation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from Driveit financial in XX/XX/XXXX. The original remaining XXXX loan was charged off. The company the was sold floorit financial and additional XXXX has been added to my balance. This loan was apart of my discharged bankruptcy and should have been removed as of XX/XX/XXXX but is still on my credit with a balance of the XXXX. This account should have dropped ok my credit XX/XX/XXXX but shows it will be on my credit until XX/XX/XXXX. How is this possible. The company phone number is disconnected so I have no way of contacting them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing regarding an identity theft case that I reported to the FTC, as indicated in the attached document. A fraudulent bank account was opened in my name, and a credit card was issued without my authorization. The bank involved has already closed the account, but I have noticed that the credit card associated with it still appears on my credit re According to the Fair Credit Reporting Act ( FCRASection 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information in my credit report. I kindly request that you initiate an investigation into this credit card and remove the related information from my report.

Additionally, under Section 605B ( 15 U.S.C. 1681c-2 ), since I have provided an official identity theft report to the FTC, Experian is obligated to block and remove any fraudulent information from my credit report. 

Please take the necessary steps to resolve this matter as soon as possible. I appreciate your prompt response in addressing this issue.
Product: Vehicle loan or lease

I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX  XXXX and XXXX  XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.
Product: Debt collection

I have a collection on my credit report from WAYPOINT RESOURCE GROU XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} {$820.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have illegally reaged this debt as I have not had service with XXXX since XXXX. They have the open date as of XX/XX/XXXX which is absolutely incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to BMW Financial XXXX at XXXX XXXX XXXX XXXX NJ US. The wire transfer shows the beneficiary bank being XXXX XXXX XXXX  of XXXX XXXX, XXXX  with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX  which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
Product: Mortgage

The problem started in XXXX of last year, during the hardship of COVID 19 my husband lost his job and I applied for forbearance plan. Tried to catch up with mortgage payments but it was still hard, applied for Dilequency through citizens home loan and ever since nothin but a nightmare. I got approved, to add the 4 delayed payment to the end of the Morgage on the condition of me signing a notorized letter, and I sent it to citizens home loan through fax, email and mail. And then I started making my current payment on time to find out that all the payment are going into a suspended account, now I am backed up with payments I already paid and the forbearance. Called so many timers and they keep telling me there is another application I need to sign and and someone will reach out and it will get mailed but nothing happened. And whenever I call they say they reached me but I dont have any voicemails or calls. Last week they said they sent it through XXXX but refuse to provide the tracking number. It wasnt until I said Im reporting to a lawyer and Im recording that they gave me a tracking, the tracking number showed the package was sent the day and time of the call. And the threatened me to have it received and sent back and motorised writhing 6 days or my delinquency is cancelled. The money I paid didnt even go to the escrow or the taxes to the city or even my insurance. I am stuck with them and I afraid to loose my house, please help! Havent even received the letter in the first place and they told me they can even email or have me print it online.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES IS NOT MINE SXXXX 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 XXXXXXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. This is the account that Ive marked as inaccurate XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has my XXXX 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my XXXX 's SS would be resolved. 

Since then I have continued to receive over XXXX calls a week from XXXX XXXX XXXX, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my XXXX XXXX social and lying about the XXXX advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my XXXX XXXX  social security number from the loan. 

They are continuing to call me multiple times per week, around XXXX times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.
Product: Debt collection

XXXX XXXX has sent multiple letters saying we owe a debt to Sapientes Funding. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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 1681XXXX 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 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. 15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 pf 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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle and their way of handling disputes. In particular to their CFPD lawsuit that is currently being handled. I have used Zelle for years and although I have sent messages in regards to their discrepancies, Zelle and my financial institute has failed to resolve any issues. I was informed that recovering my lost funds by both parties and tracking these transactions are impossible. I am out of so much money because of this. CFPBs finding indicate Zelle has failed to protect its consumers. Which is why I am currently reaching out today in hopes of some resolution.
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with Equifax, XXXX, and XXXX, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. XXXX and Equifax is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that XXXX and Equifax is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that Equifax, XXXX, and XXXX, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law. 

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. Equifax, XXXX, and XXXX should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX