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

I have a chase bank credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date
Product: Debt collection

XXXX XXXX {$350.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX {$280.00} XXXX  XXXX {$200.00} Inquires that i didnot authorize on XXXX to all except XXXX  In accordance with the Fair Credit Reporting act XXXX accounts above XXXX 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 the consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Enhanced Recovery Company is actively, illegally trying to collect on a debt I do not owe. 
ERC has registered a complaint on all three credit bureaus that I owe a cable bill for {$170.00} allegedly owed from XXXX, XXXX 2020. I never did business with this company or the company they are collecting for which is XXXX XXXX XXXX XXXX. I do not and have not lived in an area where XXXX XXXX  is even available. 
ERC has been calling with nuisance calls and says they're trying to destroy my credit. 
Please help stop this company from destroying my credit and calling me with threatening nuisance calls.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.
Product: Debt collection

On XX/XX/2021, a DEBT VALIDATION letter was sent in response to a notice sent to me on XX/XX/2021. 

Pursuant to 15 USC 1692g, SANTANDER CONSUMER USA claim was disputed and validation has been requested. 

Specifically addressing all to be true above, therefore ; SANTANDER CONSUMER USA, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector -- pursuant to 15 USC 1692g ( b ).

Furthermore, SANTANDER CONSUMER USA is reporting invalidated information to the major three consumer reporting agencies resulting in a negative mark for the alleged debt.
Product: Vehicle loan or lease

I am submitting this complaint regarding financial losses caused by the inability to use my vehicle due to a safety recall acknowledged by XXXX XXXX. My XXXX XXXX XXXX was recalled on XX/XX/XXXX, for a critical brake system defect. Due to the delay in scheduling the repair, my vehicle was inoperable for over six weeks, until XX/XX/XXXX. 
During this time, I was unable to use the vehicle for work, which resulted in a significant loss of income. Despite not being able to use the vehicle, I continued to make loan payments totaling {$1500.00}. I believe these losses are directly tied to the safety defect acknowledged by XXXX XXXX and should be compensated. 
I contacted XXXX XXXX directly ( XXXX XXXX XXXX : XXXX ), but they refused to provide any compensation, stating their responsibility ends with repairing the defect. This refusal disregards the financial impact of the defect on consumers and violates my rights as a consumer under U.S. and XXXX XXXX XXXX consumer protection laws. 
I request that CFPB investigate this matter and assist in securing compensation for the loan payments made during the period my vehicle was inoperable due to the safety defect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle fails to investigate claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Account XXXX XXXX finance opened XX/XX/XXXX XXXX Account XXXX XXXX finance opened XX/XX/year>XXXX XXXX
Product: Debt collection

XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.
Product: Debt collection

BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts. 

I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts. 

They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice. 

I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation. 

I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on 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
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the XXXX XXXX XXXX filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We closed on hour house in Tennessee on XX/XX/19. Our payoffs to the Mortgage and HELOC were applied on XX/XX/19. The Mortgage was cleared out immediately, however the HELOC had an over payment. I called in to XXXX XXXX the week after that and was told it would take XX/XX/XXXX business days to receive a refund check. After that time had elapsed, I called again and was told that I would have to wait until the statement cycle ended then it would be XX/XX/XXXX business days to receive a refund check. I called today XX/XX/19 and was told now that it will take 45 days from the end of the statement cycle, with 5 days off so now I have to wait another 40 days for them to give me my money back.
Product: Mortgage

I was notified by phone on XX/XX/XXXX that my mortgage had been transferred from XXXXXXXX XXXX XXXX Truist Bank. I would pay XXXX on XXXX and begin paying Truist on XXXX. A few days later I received a welcome letter from Truist Bank. I then received an official notice from Truist Bank about the transfer of service dated XX/XX/XXXX. Just last week ( XXXX ) I received a statement from XXXX saying I owed money on XXXX. After receiving this statement, I called XXXX on XX/XX/XXXX to confirm the loan had been transferred, as I never received a " goodbye letter. '' On XX/XX/XXXX, after speaking with several individuals at XXXX, I was told the loan was still active with them. After this call, also on XX/XX/XXXX, I called Truist, and Truist told me that my loan is active with them. I only own one property, and both companies are claiming they have my loan. When I returned from work on XX/XX/XXXX, there was a statement in my mailbox from Truist with a due date of XXXX. On the morning of XX/XX/XXXX, I called Truist again seeking information about who initiated the transfer. At first they would not say, but they eventually told me XXXXXXXX XXXX my original broker, had transferred the loan to them. To summarize, XXXX XXXX and Truist Bank claim to be the holders of my loan, and both entities claim the loan was transferred to them by XXXXXXXX XXXX. XXXX XXXX has been fairly helpful in trying to solve this problem and has escalated it in hopes of getting an answer. XXXX MXXXX is also working to see where the error lies. Please let me know what the best course of action is, as I do not want to risk foreclosure over a loan that, for all intents and purposes, seems fraudulent. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I received a letter dated XX/XX/XXXX, stating that I need to specify which items of information I am disputing and provide the specific reason why I believe it is inaccurate or incomplete. The Account I am disputing is XXXX XXXX Account # ending in XXXX Account type : credit card Date opened : XX/XX/XXXX Credit limit : {$3000.00} Date closed : XX/XX/XXXX I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any accounts that I authorized to be opened. It is the result of identity theft. I have not signed up for any account with XXXX XXXX. I have been notified that my personal information was leaked on the dark web. I have attached supporting documentation.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Drivers License A current bank statement A copy of my Identity Theft Report A copy of my Police report A copy of my ID notify statement showing my personal information has been leaked
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my husband and I got a HELOC for XXXX with XXXX XXXX  On XX/XX/XXXX I filed XXXX  XXXX bankruptcy On XX/XX/XXXX the bankruptcy was discharged Both my mortgage with XXXX and my HELOC with XXXX were NOT part of my XXXX I continue to pay my monthly payments to both every month. 

I was explained that during my bankruptcy, these two accounts were not going to be reported to any credit bureau but that after my discharge the reporting will be resume. 

My mortgage company did just that without a hitch, however XXXX XXXX  will not do it. Not only they will not talk to me at all about this, but also I have disputed this error with Experian several times. In Experian it shows as account closed, XXXX balance and it shows as my individual responsibility. This all is wrong information, it prevents me the rebuilding of my credit.
Product: Credit card or prepaid card

Citibank card raised my credit limit then they lowered my limit. They are giving me fees on top of that for reaching my credit. They are hurting my credit score and refuse to work with me even though most of my payments have been on time. I also have not been notified of the credit limit change and have had to find out when I tried to use my card I paid it down by XXXX XX/XX/XXXX and they lowered my limit by XXXX on XX/XX/XXXX, while I was in another country and it really put me in a bind. Its ridiculous that they are hurting my credit even though my account should be paid down and far from the credit limit.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX BANK account number XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA XXXX XXXX ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Checking or savings account

My information was used fraudulent with my bank account using zelle
Product: Payday loan, title loan, personal loan, or advance loan

I have account with Navy Federal checking and saving car loan and personal loan it's taking directly out of my account every month no miss payments I wanted to do over my personal loan and add {$1300.00} to amount I owe now less than {$3700.00}. I thought I was a good customer I paid on time my VA and social payments are deposited into the account every month just wanted to pay off a few things
Product: Vehicle loan or lease

I dont want to take to much time but I have been charged several late fees and I just paid it. I refuse to the past 2 months because I am locked out and cant make my payment. The problems I have now also with log in issues is I cant make my payments online and the company is forcing you to pay {$4.00} with a third party and not fix the problem. I feel they are most likely getting compensated from that {$4.00} because it makes no sense that I have been locked out my account 2 months and it cant be fixed.. I requested for a supervisor to call two times no one has. XX/XX/28 by a rep XXXX XXXX. She put in the request it is now XXXX urgent because now this may go on my credit over 30 days! Im going to pay the {$4.00} again and Im furious that is why I made this complaint. They have it in their greeting if you have log in problems please go online to ally/log in. They know this is a problem. Someone called me this week XXXX gave me a temporary password and tried and could not get me signed in. I said get a supervisor to call me I dont want to pay {$4.00}. Ofcourse no supervisor calls. They dont care to fix the problem. They offer 10 days to make your payment I been doing this within the grace period and I have late fees. The past 2 months they know I am locked out and they still charged me late fees. {$570.00} is now {$700.00} owning! I hope Im not over 30 days late I filed this for my protection to the credit bureau its not my fault. I have called so many times and long holds etc no one is fixing the problem. I called yesterday XXXX to make my payment before work and it requires the entire account number but they block it out. They were not opened so I could not pay with no account number. I cant be on hold long XXXX at work. Today I went online to reset forgot password and it says your locked out! You just cant make your payment easy.
Product: Credit card or prepaid card

I received a mailer offering XXXX bonus XXXX miles after I had spent {$2500.00} each month from XX/XX/XXXX-XX/XX/XXXX. I opted in on the website as directed, and completed the {$2500.00} per month spending per the terms. The miles were supposed to post within 8 weeks of the promotion end date and they have not yet posted, it has been nearly 12 weeks. I have tried on multiple ( 10+ ) occasions to work with Barclays and they have opened two separate " cases '' # XXXX and XXXX however nothing has come of these and I have received nothing but half responses to my questions.
Product: Credit reporting or other personal consumer reports

Failed to let me opt out of reporting. I have given both verbal and non verbal, written and un written per the 15 usc 6802. Privacy act of 1974.