23daVinci/CFPB_Complaints huggingface dataset:
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Ally 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 an account without my written instructions.

Also, Ally alleged that I had one late payment out of 75 payments. However they : Reported alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against American Express for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against American Express for unlawful reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. American Express 's actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the XXXX  Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ). Inaccurate Reporting to Credit Agencies American Express has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of XXXX Consumer Arbitration Rules Under the XXXX Consumer Arbitration Rules, American Express is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against American Express. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX American Express - XXXX XXXX ( XXXX )
Product: Debt collection

JEFFERSON CAPITAL is claiming that I opened an account in XXXX of 2023. There is no way that happened.. I have no knowledge of this account as they are claiming to be the original debtors.
Product: Credit card

I received an alert email From XXXX XXXX stating I have a hard inquiry from this company I have never heard of, i immediately called the company and was told that a credit card application was in fact applied, which I did not authorize.
Product: Mortgage

Greetings CFPB my family and i experienced a deadly ef-4 tornado in XXXX Tx. 
we are underinsured as it stands aside from this traumatic experience our insurance cp paid a moderate amt barely to cover our roof and interior damage, the check was made to both Ocwen loans and myself, Ocwen has send XXXX of the check, the check was for XXXX Ocwen send less than XXXX, and is playing games stating that i will receive a call in 3-5 business days, this is not only deceptive it is a blatant lie they are trying to keep the money, i was misled to believe if i paid the XXXX which i have XXXX to be precise this is hurting my family we lost alot of our contents which we dont have coverage we had a minimum fire policy which did cover wind thank XXXX but we are suffering and Ocwen appears to have done this to other consumers click this link after you read the paragraph of a consumer to the far upper right click comments i found other consumers are told the same thing misleading them to believe they will be called for an inspection in " 3-5 '' days it is a lie in fact i will request phone records as i have not received a single call from Ocwen for an inspection see link : XXXX please see the devastation in this video a pastor recorded of me and my husband this tornado is devastating we dont have any other means to repair our home as i am XXXX, Ocwen should release the funds i have faxed proof they were sent copies of the Cashiers check where i paid the contractor in full. 
please help me i am devastated, Respectfully XXXX XXXX
Product: Money transfer, virtual currency, or money service

I organized a wire transfer to pay for a kitchen ( final payment ). Chase bank cancelled it without notice and did not call me ( no records of missed calls ). They informed me I had to call them " If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. '' I called and waited 50+ minutes. The operator wanted personal details I was uncomfortable proviging ( pin number, passport number ). This number was only provided in email and NOT published on chase.com - I declined to give these details. 

My kitchen will now be delayed when I have several contractors lined up. Its not clear if the time can be made up. I'm unable to get help from Chase without unreasonable verification. I was told to go to the branch. Chase did not send me a secure message. I do not know how to proceed.
Product: Credit reporting, credit repair services, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Account # XXXX This is a notice to cease & desist. MESA AUTO FINANCE LLC has violated my rights according to the Fair Credit Reporting Act, Section XXXX, Permissible purposes of consumer reports { 15 XXXX, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, XXXX XXXXXXXX XXXX  ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports AS SOON AS POSSIBLE. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX
Product: Credit card

Barclaycard credit card company allowed a fraudulent charge to remain on my credit card account. I never received anything from the merchant XXXX Please refund my {$1000.00} on XXXX/XXXX/15 I 'm requesting resolution from Barclaycard Thank you
Product: Consumer Loan

Santander Auto Finance charged me unsubstantiated late charges displacing my principal and interest payments to pay said fees and then charge me for missing principal payments at the end of my contract with them, also adding payments that were not agreed upon at the initiation of the contract. The payments in question were made via XXXX XXXX services at my local XXXX, and were made in ample time, using " Next Day Payment ''. They may well have credited these payments whenever they saw fit, this is not MY problem. I am planing on logging a complaint with my local court system. I will not rest until this is resolved and not their usual Santander is always right. Santander Bank XXXX, tries to distance itself from this portion of their institution but they can not. I hold XXXX XXXX, XXXX of Santander Bank XXXX, just as responsible as the XXXX callcenter drones that robotically spiel their scripts. This company/corporation/people are deplorable, disreputable and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being XXXX  and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this 30day late removed as it is hindering me from the purchase of a business. I am hopeful Target will reconsider its position, because I can't see myself doing any more business with them otherwise.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear XXXX XXXX Services, XXXX am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter.

1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by Pacific Concrete XXXX XXXX XXXX XXXX XXXX, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
XXXX. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/2023 : Provided company with document from the XXXX XXXX XXXXXXXXXXXX XXXX affirming my status as a XXXX veteran and stating that as such I am not obliged to pay property taxes. Requested company to provide refund of property taxes paid. Subsequently made several attempts during the second half of XXXX and also during first week of XXXX to speak with a company representative in order to obtain information about the status of the refund of property taxes. I have not been able to speak with anyone. Similarly, because the company 's website is not functioning properly, I can not access my account information online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my consumer rights. I've informed them of a late payment reporting onto my credit report from XXXX XXXX XXXX XXXX, illegally. 

Pursuant to 15 USC 1666B, payment history can not be reported late for ANY reason. This is against my privacy, which is also defamation of character. I did not provide a written permissible purpose for this information to reflect on my credit report. 

Experian has been notified of its illegal activity and has been given proof of its inaccuracy. Experian has been asked for their method ( XXXX ) of verification which they allege, yet refuse to provide said verification.
Product: Debt collection

Contacted multiple friends and family threatening arrest or legal issues. When asked to submit documentation of validity of debt and to cease contacting me at work, the caller threatened physical assault.
Product: Credit card

Card suspended with no prior notice and no arrearage, for alleged missed payment despite web posting showing next payment due XXXX XXXX, 2017, and no indication that anything was amiss or irregular.
Product: Debt collection

I keep receiving harassing calls from Wakefield & Associates, whom I assume is a debt collector and whom I have no affiliation with or any of their clients. I have no outstanding bills as I pay all my debts in full each month from auto drafts from my checking account with records of all transactions. I do n't know how they have my phone number but would assume it is from past identity theft. Whatever information Wakefield may have as indication of some unknown debt is sure to be invalid as I am sure they do not have any notarized documents as I personally never had any business with them or any of their clients. I previously filed an identity theft report with the FTC, reference number XXXX.
Product: Mortgage

Loan care didnt approve my forbearance on time, making me be late on my mortgage, during Corona virus beginning, they report my lates payments and didnt want to deleted. It heart my credit a lot and cost my credit a year to get back on track, I did not have any other late payment accounts and they did not have any consideration.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XX/XX/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 ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$880.00} 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: Debt collection

IAW 15 USC 1692 I sent a Notice and Demand To Validate Debt Claim to LVNV Funding LLC. LVNV signed for this Certified Mail. LVNV Funding LLC did NOT respond within 30 days with the required information to validate that any actual debt exists.
Product: Bank account or service

I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results
Product: Credit card or prepaid card

[ Case number : XXXX ] Hello, I filed with CFPB and I do not believe the CFPB handled it legally. 

I was defrauded by Capital One, they told me my payment was cancelled. They then admitted to the CFPB that they in fact did lie to me. They admitted they did not cancel the payment. 

CFPB then closed my case. Their explanation did not explain why on XX/XX/XXXX the supervisor who took my payment of {$200.00} promised me that my payment of {$200.00} on XX/XX/XXXX was cancelled. She obviously lied.
Product: Checking or savings account

On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX  and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency, block multiple XXXX  accounts appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I have repeatedly disputed this information. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.