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

Re : Continental Finance Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX represented by : XXXX XXXX XXXX XXXX  XXXX - XXXX in XXXX and XXXX, XXXX server Today, XXXX XX/XX/XXXX around XXXX, I received a call from XXXX XXXX, and XXXX left a very harsh XXXX XXXX saying she was a process XXXX  and I would need to sign for papers being sent to my house for a civil legal matter and that I have been notified of legal action against me. When I called the XXXX return number she listed, and to reference a File number, I reached XXXX in the XXXX XXXX, however thats not how the phone was answered. She said " Litigation '', no name, no company name, no ID number, etc, and I said I was left a XXXX for a File # ... .. and had no idea or knowledge of what this was in reference too. 
XXXX confirmed my identity and last XXXX of XXXX, and said that they represent their client XXXX XXXX ( of XXXX XXXX XXXX ), and that a credit card debt in my name has been sent to them to pursue for a civil lawsuit against me for a balance of over $ XXXX of the suit. HOWEVER ... XXXX HAVE NEVER HAD, NOR EVER APPLIED FOR ANY XXXX XXXX OR ANY OTHER CREDIT CARD WITH THAT COMPANY. I kept trying to ask questions to get more information about this " alleged '' credit card debt of mine, that was apparently opened in XXXX, and sent to collections in XXXX, however I have not received any calls, letters, mail, emails etc prior to today regarding this issue. When I asked for proof of documentation, and stated that this debt is not mine and must be fraud, XXXX then proceeded to state that she will notate my dispute and I will be sent a summons to appear in court on a future date, and I could request all the documentation or account info at that discovery hearing, and then said Good luck to you and hung up on me while I was still talking. I immediately called back, got her back on the phone and stated that she abruptly hung up on me when I was trying to gather any info about this " alleged '' account/lawsuit that I've been threatened with, without being given any additional info. I was hung up on again. Filed XXXX FTC, XXXX
Product: Credit card

I received a email saying that my phone number had been updated on my capital one account even though I never personally applied for a capital one card or account of any kind from them. I also received an email saying that I was approved for a card and that the card was sent out in the mail. I contacted capital one about it, but they were not able to do anything about it until I provided my ss #, but I did not feel comfortable doing that. A physical capital one card was sent to my parents address, which was my old address and my mom called me asking if I had applied for the card which I said no. ( There is no one from my parents household that would create an account under my name ) She sent me pictures of the credit card which allowed me to contact capital one so I would be able to cancel the account that was attached to the card. I was able to talk to an individual who said they would be able to cancel the account. However, I just received an email from my XXXX account today XX/XX/year>, from capital one stating once again my email address had been updated.
Product: Checking or savings account

Bank of America despite other major banks helping customers with covid related issues has made it known after one occurrence of that, they will not offer any solutions to waiving fees even if the customer is dealing with reoccurring covid issues and it not able to work. My Personal bank advantage checking has a {$140.00} hold of fees that are a result of dealing with covid related issues and instead of waving the fees to help reduce the Covid burden the bank has made an extension to offset the fees but still charge it late on XX/XX/2022. XXXX XXXX and my other major banks have been able to work with me on several occurrences these last 4 months as I am dealing with reoccurring covid symptoms preventing me from working and stopping my flow of cash to deposit into my accounts. Bank of America has informed me that they at most might only offer one occurrence of assistance even if they are aware of a customer experiencing ongoing covid related issues.
Product: Credit reporting or other personal consumer reports

Credit reports shall not reflect transactions that are made between consumers and the person making the credit report. ( 15 USC 1681a ( 2 ) ( A ) ( i ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Trans world systems has not validated a debt they claim I owed since XXXX They said I owe {$21000.00} to a company theyre trying to collect for and they have garnished my check back in XXXX for a few months but then it was cancelled because a manager confirmed I didnt owe the debt and they didnt have a right to continue collecting. 

Fast forward to XXXX they tried to garnish my wages again but I requested a hearing and then they went ghost for an entire year. No hearing was set or even made ( I guess it was all just a scare tactic to scare me into signing up to re pay what I dont owe ). They always threaten to garnish my wages each year and they have yet to send me proper validation and verification or the debts they claim I owe. I never received anything other than a spreadsheet of charges and interest that totals up to {$8000.00} for just interest alone! 

The fees and everything are ridiculous because I dont even owe them anything so why am I even being charged late and interest fees? 

This has emotionally drained me for the last 4 years and every time I see their name on a letter i automatically panic! 

The debt theyre claiming is from XXXX and it has been well over 6 years ( almost 7 ).
Product: Consumer Loan

the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at Transunion, and XXXX. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of Transunion, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

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

I have XXXX ally financial accounts XXXX of which are supposed to be paid in full they fixed XXXX and put paid in settlements the other XXXX still says we owe {$250.00} which was paid almost a year ago when we traded the car in for another vehicle the other one is {$2000.00} and something and that has been through XXXX different collection agencies which was also paid in a settlement and still being reported on my credit report I have sent in multiple paperwork proving that they've been paid in full I have called ally financial multiple times multiple departments and I can not get anywhere on this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
Product: Checking or savings account

Hi there is a issue.I paid the XXXX but was approved by XXXX scared water would be shut off.can you refund me the one I sent so the XXXX XXXX approved me of can be added to account? I also was able to get a check number for the XXXX so it would be over XXXXSo if you could return my payment to me the visa card XXXX or reject it with the payment from pnc XXXX XXXX office paid the XXXX. XXXX is a program that helplimited income people.It was a crisis grant.They paid the balance for XXXX also sent a payment.The city claims no we will not issue my XXXX because we don't issue refunds even if it is over paid.That would become XXXX paid XXXX they refuse to issue a refund.I am limited income and can use that for my electric and gas bill.So to force me to be with out my money is not right.The government paid the balance.Also they claim my highmark insurance issued a XXXX check.They stated they never got it.But it was also cashed and never put on my account.I have tried to get my money XXXX the XXXX paying XXXX plus the XXXX from my insurance that leaves a balance of XXXX. In credits. Now keeping my XXXX The XXXX would make my balance XXXX that they are forcing to keep from XXXX get XXXX a month so I need my payment back.so I am asking for help to recover my XXXX payment. So they can't force keep my money.
Product: Bank account or service

I deposited from my XXXX checks from XXXX I see weekly with my Bank of America small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Bank of America. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer cre pit plan as late for purpose.
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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX mailed me a letter stating {$0.00} Balance XX/XX/2024 Equifax, XXXX and XXXX also XXXX SHOWS INACCURATE INFORMATION!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. 

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Subject : Unauthorized Hard Inquiry on My Credit Report Between XX/XX/XXXX and XX/XX/year>, I noticed a hard inquiry from Capital One on my credit report, which I discovered through the XXXX XXXX app. I currently have two credit cards with Capital One, as well as a fully paid car loan ( paid off nearly a year ago ). However, I have not applied for any new credit cards or financing of any kind.

I contacted Capital One to address the issue, but they were unable to provide any information about when, where, or how this hard inquiry occurred. I then reached out to XXXX directly. Unfortunately, I had difficulty communicating with their representative due to a language barrier, but they ultimately directed me to file a complaint with the CFPB. 
The main concern is that I did not authorize this hard inquiry on my credit report. As someone with no current need for financing or new credit cards, this inquiry is unwarranted and could potentially harm my credit score.

I am requesting an investigation into this unauthorized inquiry and assistance in removing it from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint my self I me XXXX XXXX the human being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.
Product: Credit reporting

I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it.
Product: Mortgage

I was identified to Mortgage Lenders of America through XXXX. They contacted me and at first they were unable to provide me with a loan option. Per the loan officer, he called me back and stated after some digging he infact found out that I would qualify for a USDA loan. We moved forward and I provided all requested documents promptly. Documents included income pay stubs and bank statement. I paid for multiple inspections and the appraisal. He even stated that I could put notice to move from my rental. We were on target to close. Two days before close he stated that I was denied the loan and was unable to provide me with actual options to fit my needs. He then became very disinterested and vague in responding to my questions directly and timely. It then took him several weeks to send me a denial letter in writing so I could move forward. I had also requested a refund of fees I paid out and he ignored my request. After i reached out to his supervisor. I then received another vague response stating " I dug into this more and unfortunately we can not refund the appraisal amount. '' After speaking with other loan officers about this they tell me in their experience it should have been caught early on and not made it as far as it did.
Product: Credit reporting or other personal consumer reports

I am writing to you to report that I have become a victim of identity theft. Upon reviewing my credit report, I discovered fraudulent accounts and inaccurate information that I believe are the result of identity theft. I am requesting your assistance in investigating and resolving these issues promptly. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). I am citing these laws to ensure that my rights are protected in this matter.

Under the FCRA : Section 611 grants me the right to dispute inaccurate information on my credit report.

Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to investigate disputes and correct any inaccuracies.

Section 605B mandates credit reporting agencies to block fraudulent information resulting from identity theft upon receiving a proper request from a victim. 
Under the ITADA : This federal law establishes identity theft as a crime and provides procedures for victims to report and mitigate its effects.

I am exercising my rights under ITADA to notify you of my status as a victim of identity theft and to request your cooperation in resolving the fraudulent accounts and inaccurate information on my credit report. 
Enclosed with this letter are copies of [ identity theft reports filed with law enforcement/FTC. I kindly request that you investigate the fraudulent accounts and inaccurate information on my credit report and take appropriate action to correct them as soon as possible. 

Furthermore, I am requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. Additionally, please provide me with a free copy of my credit report, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter and your cooperation in resolving these issues. Please acknowledge receipt of this letter and provide me with updates on the progress of your investigation. 

Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I am contacting you Experian because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, the accounts are still inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I Have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

Subject : Notice of Default and Opportunity to Cure REF : Dear NCA, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.