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

XXXX XXXX XXXX has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.
Product: Checking or savings account

CAPITAL ONE FINANCIAL CORPORATION et al continues to violate and threaten and or infringe upon my rights with the continued harassment after using a misleading statement to further injure my access to the account to manage the discharge of debts before the final date next week to divert the threat of a civil action and notice of lien on my property and including the accruing additional charges incurred by a creditor against me so this avoidance to comply with the American Disabilities Act Title III public accommodations non-compliance necessary for the online access to the available transaction service features.

The first letter with an explanation was a lie not an error.

Doe admits he used mail fraud, a deceptive practice and has perjured himself by submitting false and misleading information via federal telecommunications and directly to a government website as demonstrated in the Capital One letterhead attachment to his online responses.
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with Jefferson Capital Systems , LLC. My name is XXXX XXXX and I am making this complaint against Jefferson Capital Systems , LLC for committing identity theft. I have no recollection of authorizing or giving Jefferson Capital Systems any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Jefferson Capital Systems and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems any right to collect on this alleged debt. I have also never received any documentation requesting validation from Jefferson Capital Systems before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report ; including, but not limited to, 15 USC 1692d ( 4 ), which the FTC recognizes as DEBT PARKING. If Jefferson Capital Systems can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Jefferson Capital Systems can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Jefferson Capital Systems continues its collection efforts, I will file for arbitration and Jefferson Capital Systems will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 my lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have filled a dispute with documentation to XXXX for two creditor still reporting balance on my credit report XXXX XXXX and XXXX XXXX XXXX. With documents that was provided credit report should be updated immediately not in 30 to 45 which I was told. This is unacceptable!!
Product: Vehicle loan or lease

End of XX/XX/XXXX Consumer Portfolio Services who are registered in Nevada, but operate out of California extended me an auto loan through a car dealership in Florida. I signed loan paperwork on XX/XX/XXXX and drove off with my vehicle thinking I had secured basic transportation for my family and I. 

A few days after I sign paperwork that says I have a car loan the dealership calls and says the bank wants more information. They need canceled check from my direct deposit. I send them what I was forwarded by the accounting department of the company. Another week or so passes by and the dealership calls and says the bank still isn't satisfied, they want bank statements. 
I sent those and a week or so later the dealership calls and says the bank isn't going to finance the loan at all because I took to long and they think I'm a fraud, which is very ironic. 

So many violations have been made throughout this buying process. I will point out the Trustee from Consumer Portfolio Services signed off on a report just two months ago saying they would not break laws. I have paperwork that says I have a loan and them backing out is fraudulent. Requesting all the extra personal information after signing paperwork is a violation of the Privacy Act of 1974. 16CFR 433.2 states preservation of Consumer claims. 17CFR424 states that they will not commit language fraud. They are also operating out of a state other than the one they incorporated in. 16CFR 444.1 states that my signature is the security for my car loan. There should not be any reason for them to take me through so much when I am already going through it in life. 

I lost love ones to XXXX XXXX during this whole process and have been stressed to the max with the shady tactics of Consumer Portfolio. Services. This has caused mental stress and anguish. I do not want another Consumer to go through this during the buying process.

Purchasing a car should be a simple process, but these fraudulent law breaking techniques make it a nightmare for so many including myself.
Product: Credit card or prepaid card

I recently filed a dispute XX/XX/ I had XXXX taken out my account I was told I could be provided with a provisional credit in which it says on their site that it will be provided if they investigation takes more than 45 days. Well here I am about to be homeless and my lights are already off. Because they said they denied the provisional credit and their investigation takes till XX/XX/XXXX! Wisely has officially lost my business and any ongoing problems from this day forward they do not care about their customers I have emailed and called and called and called to no avail everyday asking for an update. And nothing! Thank you WISELY
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " High yield interest '' savings accounts. 
Capital One misrepresented the XXXX savings accounts as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX Performance Savings account. This deliberate the obscurity and lack of transparency violated customers trust and resulted in significant financial losses for many, breaching the customer Financial protection Act and the Truth in Savings Act, I seek redress for the misleading practices and faulture to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
. XXXX XXXX  XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( a ) 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: Debt collection

The original creditor is Comenity Bank whose debt I've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting Comenity Bank which continues to re-age the account and continues to present this account MONTHLY to the EACH of the Credit Bureaus. The statute of Limitations has been violated. The customer also repeatedly attempted to CALL back to back several times a day. Then it stopped.. Then the account showed as a NEW Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}, BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Product: Credit reporting

I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out!
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX - XXXXXXXX XXXX XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX  : # : XXXX, XXXX : XXXX : XXXX, have 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 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: Credit reporting, credit repair services, or other personal consumer reports

FCRA Section 609 clearly states that you are required by the law to send me the proof that this account is belong to me. I am requesting you to send to me the full documentation bearing my signature immediately upon receiving this letter.
Product: Checking or savings account

On Friday XX/XX/XXXX, there were 2 deposits made to my checking account. The first one was my payroll direct deposit from XXXX in the amount of {$2400.00}. The second one was a check from my attorney, XXXX XXXX XXXX XXXX XXXX in the amount of {$64000.00} as part of a settlement for an accident that occurred in XX/XX/XXXX. When I deposited a check, I was informed that there will be a hold on it until XXXX XXXX. At that time, I still had available balance of my own funds in approximate amount of just over {$3000.00}. Later that afternoon my kids and I left for a short trip out of town to celebrate my birthday and my child 's graduation. On Saturday XX/XX/XXXX, we attempted to use my debit card at an amusement park. The card was declined. At that time there was over {$2000.00} as available balance after I paid for the hotel and dinner on XX/XX/XXXX. We identified the closest Chase Bank branch and arrived there at XXXX ( 15 min before closing ). That is when I found out that my account was frozen and I was not able to use my debit card or have access to any of my funds, including the funds from my payroll. I was left with no funds. The branch supervisor was able to find a way for me to withdraw some money for the rest of the weekend, so that we could at least finish our mini vacation. I have contacted Chase Bank via phone on Monday XX/XX/XXXX. I was informed that they would remove the freeze by the end of the day. On Tuesday XX/XX/XXXX, my account was still frozen, however it stated that all my funds, including the settlement check, were available for use. I contacted Chase Bank again and spoke with a supervisor named XXXX who stated that my lawyer 's phone number needed to be verified and that he needed to contact them. We then contacted them on a merged call. The issue still has not been resolved. At this point I am not able to pay my bills or have funds for food for me and my children. I am also incurring late payment fees as a result. I was never notified of my account being frozen. I am a single mother of XXXX XXXX recovering from a recent XXXX XXXX  due to that accident. In addition, I came as a XXXX over 32 years ago and worked hard to obtain an education and build a career here in America. I feel that I am being discriminated against as a single income mother of XXXX who comes from an XXXX XXXX. I hope that you are able to assist me with resolving this matter.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX to 60 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Credit Report from all 3 credit bureaus and noticed an erroneous charge reporting from GM Financial in which they said I owed. I've since reached out to them on XX/XX/2018, regarding VERIFICATION of this debt and amount in which they said I owed per the FDCPA guidelines. I have also asked the credit bureaus to do an investigation on the matter as well via disputes sent. The only responses I get from them is that the they do not know what it is i'm disputing when my letter clearly outlines what I need from them. The item has since come back VERIFIED and I've received no PROOF and/or documentation from either side regarding this charge despite reaching out multiple times to GM Financial and their reporting on my credit report is highly impacting my creditworthiness. I do not believe this debt belongs to me and until I can be provided proper documentation via a signed signature, e-signature, or proof of indebtedness I would like this to be completely REMOVED from all 3 credit bureaus immediately or my next step will be legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with TD Bank and I couldn't afford the loan because I got laid off due to Covid and I XXXX and I have a XXXX and I'm on Social Security XXXX now and I can't afford the payments anymore and so they're threatening to sue me a XXXX and I have a learning XXXX and I'm trying to get more lines of credit but I'm on Social Security and I have a fixed income but I need help getting this off my credit