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

XXXX Equifax XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through transunion and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.
Product: Debt collection

I am writing this complaint because my financial reputation is being ruined by false and misleading information.
Product: Debt collection

I had been getting harassed about a medical debt that I was supposed to owe. The harassment went on for at least 2 years or more over these charges to XXXX XXXX XXXX. I repeatedly explained that my health insurance XXXX XXXX, pays the full amount of cost for my medical supplies, food and protein packets, gauges and syringes, as I am XXXX dependent for the remainder of my life due to XXXX diagnosis 5 years ago. I am XXXXXXXX XXXX but unfortunately was left with the XXXX of not being able to eat through my month. The medical food and supplies are my lifeline and are needed daily. I became very irritated with XXXX XXXX harassment as they had been told before XXXX that my medical supplies and food were covered. The next thing I know, XXXX had sent the {$200.00} bill to collections to the company name State Collection Service , Inc. at that point I just felt helpless and a tremendous amount of stress which led to me paying the debt. I just dont understand why this situation continued. I called XXXX again and complained about the harassment. XXXX then contacted XXXX about the situation. 
Quote this is what XXXX said to XXXX and they even called me and apologized for the error and promised to return my funds back to me and clear the damage on my credit report in which none of this was done. I am furious, stressed and saddened but the situation and would like to sue for pain and suffering and damages. Please assist in looking further into this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous disputes with Experian, XXXX, and XXXX with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance 0 ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, Experian, XXXX, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with Experian over the last few months for inaccurate information. These 3 accounts are all showing wildly different dates of last activity among the 3 different Credit Reporting Agencies. After disputing the three accounts and having received the " results '' from Experian the " dates of status '' on my report did not change, which tells me they did NOT perform a proper investigation. The letter read that the following 3 accounts were " updated ''. They " updated '' the " balance reported '' date. How is this an update? 

I then requested proof and method of investigation from Experian and received a " will not reinvestigate '' letter. I have never been sent ANY verification of the date of last activity or date of first delinquency. The 2 XXXX  accounts look as though they are recent accounts on my credit report but are not. They are re-aged. How is this legal? I thought information on credit reports was supposed to be complete, accurate, and verifiable. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Thank you for your help in this matter.
Product: Vehicle loan or lease

We have had our vehicle loan for a XXXX XXXX ( XXXX ) for 8 years now. We agreed to a 7 year loan, but had four deferments that we took out, extending the loan for another year. We agreed to that too. When that year came to an end, we received a letter stating we still owed {$5000.00} plus taxes on it, making that over {$6000.00}. They told us they could refinance that, or repossess the car. We had no clue this was going on and thought we would be receiving the title in the mail. We had a very quick choice to make as they were sending the repossession guy the next day, so we chose to agree to the refinance loan for {$6000.00} and pay {$180.00} a month until it was paid off. But we never signed the contract as as soon as we agreed to do it, they began scheduling double or even triple payments and taking it out of our bank account without authorization. We struggled with this the entire 8 years of having the loan with them as well. This was nothing new. The most recent example of that is that we received a letter from them on XX/XX/XXXX stating we had authorized {$360.00} to come out of our account on XX/XX/XXXX. We called immediately and told them to not take it out, we had NEVER authorized it. They stated it would be fixed and that the previous agent must've made a mistake. The payment tried to come out of a bank account we don't even use anymore, so now we got a bounced check fee. 

We have spoken to Navy Federal Credit Union loan officers, including people in the corporate office, and were assured over and over again that this would be taken care of and wouldn't happen again. In fact, the last agent we spoke with promised us that if we paid three more payments of {$180.00} we would be done with the loan and they would wipe out the rest of the balance, and send us the title. 

We can not keep having these unauthorized payments trying to come out of our bank account. We can not keep having promises made by them. This car is 10 years old and has had us paying on it for 8 years and 3 months now. We don't want to make one more single payment on it. We have asked for audits of every single payment made this entire time, but they refuse to send us that information. They are unwilling to be upfront and honest about this. 

If they refuse to wipe out the rest of the balance, send us the title free and clear and also a letter of apology from the CEO 's office, along with a letter to our banking institution saying we are not liable for the fees incurred for unauthorized transaction, we will be forced to sue them for damages beyond the bank fines, but also for emotional distress, time away from work, and for the amount of the loan in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Credit Bureau 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 : Collection : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXXlance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently Checked my credit report and saw an inaccuracy and in accordance with the fair credit, reporting act, this creditor has violated my rights and with accordance to 15 USC 1681 Section 602 states, I have the right to privacy. Also, 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Dear, Zion Debt Holdings XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by and identified the debt as Collection Account From XXXX Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
that there is a valid basis for claim it that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirements If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : Provide verification and documentation A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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

i sent Equifax 3 different letters dealing with negative items that on my report on XXXX THAT are inaccurate and incomplete and should be remove as such.I have attached the 3 copies below for further viewing and assistance.
Product: Bank account or service

Opened a checking account in XX/XX/XXXX at Citizens Bank in XXXX Pa at which i told the Manger that i may own the bank money for a old account because i was part of law suit in which i was refund money for over draft fee so the manger checked and said i owed nothing to the bank and she opened the account then on XXXX/XXXX/15 the bank took XXXX from my account with out letting me know in doing so they could me great financial stress i am a XXXX vet on a fixed income my Account number XXXX
Product: Credit card or prepaid card

XX/XX/2019 my {$26.00} min payment due was supposed to be submitted from my bank institution BillPay system, however they had a problem in the system & notification came for me to check or resubmit directly to who it was directed. 
I went in & paid this thru the credit card payment system on XX/XX/2019 However, they claim that it was after the cut off time they have, but they accepted it on the due date & sent me a confirmation of it being received on XX/XX/2019 They then charged me a past due fee of {$26.00} & refuse to make an adjustment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX - XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You never read my last complaint. You submitted a canned response that was completely incorrect. I will keep failing these until you answer my question.
Product: Credit card

Hi. My name is XXXX XXXX XXXX. My husband XXXX XXXX is the primary account holder, i am the secondary. It is XXXX XXXX XXXX credit card. 
On XX/XX/XXXX i made an online order through XXXX XXXX for XXXX for the amount of {$80.00}. Almost immediately i changed my mind and cancelled the order. XXXX XXXX  accepted the cancellation, but refused to issue me the refund, alleging that the store already started working on my order, so i am responsible for the whole amount. It was a total lie, since i cancelled the order within 2 minutes. First, theres no way they were working on the order within the time frame. Second, if that was the case, XXXX XXXX  shouldnt have accepted the cancellation, they should have performed the delivery regardless. Instead they stole my money without providing any service. 

I tried to talk to them first, but they were extremely unhelpful, and then they just blocked me. So I disputed the charge with the credit card. I had to do it 3 times, since the merchant would continue charging me for the same amount. I provided the credit card the proof of the cancelled transaction and in the beginning they agreed with me. But now on XX/XX/XXXX they suddenly agreed with XXXX XXXX  since they assured that they have no records of any cancelled transaction! The credit card charges me back for {$80.00}, ignoring my submitted proof of the cancellation. I feel Ive been treated very unfairly : first from the merchant, then from the credit card, the same people that promised to protect my rights. Please help me to make it right.
Product: Money transfer, virtual currency, or money service

I use an app called XXXX and the app is great ... lets me borrow money and send the money into my account within seconds. The problem is TD BANK, they take forever to send XXXX my updated account balance, causing me to wait long for money. When they do update it a lot of times it 's wrong. Like it will say I have " XXXX dollars in my account. My balance has n't been {$30.00} for about 4 days now ... ...
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Mortgage

I have am a member of and have a home equity loan with Randolph Brooks FCU ( RBFCU ). My payments are due on the XXXX of the month and a late fee is added if the payment is after the XXXX. RBFCU has indicated that payments can me made on their website ( https : //www.rbfcu.org/online/login ). I made my payment on XX/XX/2023 at XXXX XXXX  on their website. I received a message that the payment about be posted in 2-3 days. 
I have now received a statement that includes a late fee of {$37.00}. 
I emailed RBFCU and asked to have the late fee removed to which I was told that since the payment didn't post to the loan on/before the XXXX, it was late. I advised that I made the payment on their website and was never informed that the payment had to be posted to the loan on/before the XXXX. They refused to refund the late fee. 
I filed a BBB complaint. XXXX with RBFCU reached out and I again explained the situation. He said that when a consumer makes a payment on their website, it is processed via XXXX which takes 2-3 days for the transaction to happen. I explained that as a consumer, I was not privy to their processing. I as a consumer had no idea that the funds were immediately available. I explained that I have never heard of a creditor charging a late fee for a payment not being posted to a loan/account due to how the creditor processes payments. He said they will not refund the late fee. I asked why none of their websites/written info indicate that the payment must be posted to the loan on/before the XXXX or I would be charged a late fee. He said that he would let his IT dept know and see if they would add language to their https : //www.rbfcu.org/online/login that the payment is late if it's not posted to the account by the end of the grace period.
Product: Vehicle loan or lease

I was in an accident that totaled out my XXXX XXXX XXXX in XXXX, I had purchased GAP insurance with the vehicle and it paid the remainder of the loan. Westlakefinancial then released the lean on the title and sent it to my GAP insurance company signifying the remainder of the loan had been paid. Unknowingly Westlake financial hadnt include my last payment due, in with the remainder balance, to be paid by GAP. Its been impacting my credit in a bad way for years now and they will not work with me to help resolve the issues.