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

I am writing to file a formal complaint regarding the negligent noncompliance of [ XXXX ] with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Experian added XXXX XXXX XXXX  to my Credit without consenting with me and this company was not previously on my credit report. This violates 15 U.S.C Subsection 1681 ( b ) .On XXXX they closed the account and XXXX does not have midland mortgage listed. I am in belief I am being retaliated against by the credit bureau Experian 42 U.S. Code subsection 12203 ( a ) from previous cases that are still open with CFPB about the credit bureaus that are continuously emailing me instead of contacting me " a Bona Fide Consumer '' within the CFPB portal. Also Experian is continuously dropping my credit score after I stated I was opting out 12 CFR 1016.7 XXXX, XXXX, and Experian credit reporting services, in which I do not see any movement of the unlawful furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the United States Department of Education on my credit report and now XXXX XXXX mortgage has been added to experian but is closed on XXXX. These credit bureaus are unlawfully breaking USC codes and UCC codes. I have attatched my current report of XXXXXXXX XXXX XXXX on XXXX is closed and this should reflect all other credit reporting bureaus in which they are a third party and illegally reported on my credit and shall be removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have once again attached my FTC complaint and Police Report which I have filed on my local police department to prove to yout that I am a victim of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Capitol One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Acct # XXXX To whom It May Concern. 
I'm reaching out because all three Credit bureaus XXXX, XXXX XXXX XXXX is helping Capitol One put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Capitol One Acct # XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
**USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You
Product: Checking or savings account

On Monday, XX/XX/XXXX I noticed my Navy Federal Credit Union checking account showed a {$200.00} debit for a check I had written and a {$200.00} debit from the account by a number that was not a check but had a similar last 4 digits as the other check. The online service would not show the check with strange numbers. I called NFCU and after over an hour and speaking with 3 different people, it was determined that the person I wrote the check to, also an NFCU member, had mobile deposited my check after endorsing the check for mobile deposit only and then subsequently cashed the same check illegally at a local branch. I was told NFCU would withdraw the funds from the account and return it to my account within XXXX XXXX. On Thursday XXXXXX/XX/XXXX I again contacted NFCU and was told it could take up to XXXXXXXX XXXX  and that when the money was returned I would not be made whole, that the money would show as deposited on the day the money that they improperly deducted was returned. I was told the branch needed to return the money and there is no phone number for the branch, I could visit the branch in question if I wanted to discuss further. Clearly NFCU is responsible for deducting the money from my account twice and fraudulently. The money should be returned as if it was not deducted and I should also receive interest for the period of time they improperly deducted the money from my account. I contacted XXXX who advised I could contact CFPB about the issue. Having just looked at my account and seeing that my account has not been re-credited for the improperly deducted funds that were taken XX/XX/XXXX, I am contacting your office for assistance. While the person who presented the check twice is clearly at fault for double presenting and has made no effort to contact me or apparently the credit union, clearly the credit union is responsible for accepting the same check twice and debiting my account. It is unacceptable to expect me to also have to physically go to a location not near my home to discuss their error with them in person to facilitate the return of my money and further when the money is returned it should show as having been there since XX/XX/XXXX and I should be given the interest lost due to their error. I do not understand why if NFCU could clearly see 6 days ago that they made an error over 2 weeks ago, that should never have been allowed, that I am still waiting for the return of my money. I am thankful I had enough in my account to cover my other debits but this is just wrong and should not be allowed to happen. I also should not have to continue to call NFCU and check my account to see if the money has been returned, they should keep in contact with me to keep me apprised of their efforts to correct the fraud they are aware of.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). These violations involve inaccurate reporting, unauthorized sharing of personal information, deceptive practices, and failure to validate debts as required by law. Heres what happened : Acceptance of Unverified Credit Information : The reporting agencies accepted and reported inaccurate credit information about me without verifying its accuracy, violating FCRA Section 616. This willful noncompliance exposes them to liability for up to {$1000.00} per violation.

Failure to Inform About Opt-Out Rights : The agencies failed to disclose my right to opt out of sharing personal information with third parties, a violation of FCRA Section 603 ( d ) ( 2 ) ( A ).

Reporting Inaccurate Accounts and Inquiries : Several inaccurate accounts and inquiries were included in my report without proper validation or verification, violating FCRA Section 623 ( a ) ( 3 ) and creating misleading financial records.

Unfair Debt Collection Practices : Debt collectors disclosed information to third parties and reported inaccurate debts without consent, violating the Debt Collection Practices Act and my rights under laws regulating permissible disclosures.

Deceptive Reporting of Late Payments : My credit report falsely reflected late payments on several accounts without a clear definition of what constituted a late payment, a deceptive and inaccurate practice violating 15 U.S.C. 1681a ( 2 ) ( i ).

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my written consent, breaching 15 U.S.C. 1681b ( a ) ( 2 ) regarding permissible purposes of consumer reports.

Failure to Validate Debts : The agencies and debt collectors failed to provide legally required documentation to validate alleged debts, violating 15 U.S.C. 1692g. Without validation, they can not legally report or collect on these accounts.

Inaccurate Finance Charge Reporting : The agencies failed to accurately determine finance charges on certain accounts, contributing to the misleading information on my credit report.

I am demanding immediate corrections, deletions of inaccurate and unauthorized items, and validation of debts. If these issues are not addressed promptly, I reserve the right to pursue legal remedies as provided under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2400.00} the items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Product: Consumer Loan

A couple of years back I noticed a double payment was taken out of my account for my vehicle loan. I called 3 times and was promised to have the payment reversed. The payment was never reversed. I wanted to explain that story first to paint a picture in your mind of what Santander Consumer USA is doing now. Just recently I sold the vehicle that is under the loan with Santander Consumer USA. I have sent several checks to them with notes to apply the checks directly to the principal. I noticed a check was not applied correctly resulting in my due date being pushed out till XX/XX/XXXX. I called in and asked to have it reversed and explained my frustration to the rep and how the check was marked. The Santander Consumer USA representative informed me that the checks do not go straight to principal, even though they were marked. She also told me that I would have to call in each time this happened to have the payments fixed. The rep gave me their standard spiel in how the payment would be fixed in 72 hours. A few days passed by and the correction was not made and still is not to this day. I therefore called back in as I had since then sent in XXXX more checks that were also marked " principal only ''. XXXX of the XXXX checks were applied as regular payments. The rep I spoke to this time told me the same story, even though the checks were marked " principal only ''. He told me the issue would be fixed and my next due date would be adjusted to be XX/XX/XXXX instead of XX/XX/XXXX. I asked the rep if there was an email address I could email to follow up, he told me I would have to call back in. Today, I sent a written to Santander Consumer USA through their site again, requesting to have this fixed. They responded back requesting me to call in as they can not send sensitive material over email. I responded back that I was not requesting anything sensitive to be sent, although they replied to me in regular non-encrypted email with my account info exposed. I have been persistent with them and will continue to be because they have collected over {$260.00} in interest that I need to help me payoff the car faster. I am also afraid they will disregard my request like they did a couple years back as mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated an ACH transfer to my CapitalOne High Yield Money Market account on XX/XX/XXXX, expecting the money to be available for withdrawal within 3 business days - as I understand the regulatory guidance to be for ACH transfers. 

Yet, when I called customer service today to confirm when the funds would be available, I was told XX/XX/XXXX. This is more than 7 business days. When I asked the service rep - I was told that for my type of account, 2-5 business days is the usual length of the transfer window, which still does not fully explain the 9 day ( 7-business-day ) wait he mentioned. 

Should it be legal that a bank would hold on to a person 's money for that long?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Alert added to report. Suspicious inquiries reported to credit report ( Transunion ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.
Product: Debt collection

This company ( Receivable Mgmt Svcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or  symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in  accordance with The FDCPA, GAAP, and the FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Dispute this Address Date oXXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  O Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX FCRA XXXX : payments never late XXXX XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$32000.00} {$920.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 9 years 4 months 16 days 6 XXXX XXXX  XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 22 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 19 days 5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 17 days 5 XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 10 days XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX account details Account status Age of Account Late payments Closed 2 years 20 days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 3 months 2 days 4 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 10 months 7 FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX D XXXXXXXX XXXX  XXXX
Product: Credit card

i open a fraud investigation the account was open without my permission online they had my ex husband name and my social security number which is frauduant
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : Request for Correction of Inaccurate Late Payments on My Credit Report Dear Representative of the Consumer Financial Protection Bureau XXXX CFPB ) : XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX I am writing to formally file a complaint regarding inaccurate information reported on my credit report about late payments associated with my account with XXXX XXXX XXXX ( Account Number : XXXX ). Below are the specific dates of the erroneously reported late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am confident that this information is incorrect and request that it be investigated and corrected, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which protect my rights as a consumer. 

Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 : Requires data furnishers to ensure the accuracy and completeness of information provided to credit bureaus.

15 USC 1681i : Establishes my right to dispute inaccurate information and obligates credit bureaus to investigate and correct errors.

Truth in Lending Act ( TILA ) : 15 USC 1637 ( b ) : Requires creditors to present accurate billing statements and correct any errors.

FCRA Section 1666b : Mandates investigation of billing disputes and removal of errors if not resolved within the stipulated timeframe. 
Specific Requests Conduct a thorough reinvestigation of the reported late payments.

Remove the inaccurate records from my credit report.

Provide me with a written confirmation detailing the investigation results and the corrections made.

I look forward to receiving a formal response within the 30-day period established by the FCRA. I appreciate your prompt attention to this matter and await your resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Received notice on my credit report of a new collection agency account from transworld opened in XX/XX/year> and reported in XX/XX/year>. They also have a name of XXXX XXXX on the collection information. Tried disputing account i have never had any dealings with this company made no payments to them, have no written information received from them and have never lived or dealt with them or with XXXXXXXX XXXX. I do know that this past year I have received notice from XXXX  and XXXX XXXX that my personal info with my ss number was leaked to the dark web and to hackers and scammers. I prefer all communication to be sent via usps mail.