23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my virtual debit card was used without authorization for XXXX. I have contacted the bank and they are saying they have done an investigation and found no errors even though after telling me they would provided the merchant contact information they now say they do not have the merchant information. I was at work when this happened and my virtual card is only on my cell phone which was with me at work and no one else has my number or authorization to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
XXXX XXXX finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH EXPERIAN REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
Product: Debt collection

I have made multiple good faith attempts to settle an outstanding debt with Credit Collection Services, offering immediate payment upon receipt of basic written confirmation of the settlement termsan industry-standard request. Instead, the agency has engaged in obstructive tactics that prevent me from resolving this matter responsibly. 

Two representatives hung up on me after I declined to provide my current address, despite giving my account number and other identifying information. XXXX XXXX initially handled the call but stalled when I requested written confirmation. Supervisor XXXX XXXX later stated that providing settlement confirmation before payment was 'against policy, ' refusing to issue the documentation I reasonably requested. XXXX XXXX followed by dismissing my concerns and confirmed the agencys refusal to accommodate my request. 

Their refusal to provide written confirmation leaves me unprotected as a consumer and forces me to rely solely on verbal assurances, which violates fair debt collection practices. I have made it clear that I am ready and willing to pay this debt, but their refusal to provide written proof before accepting payment blocks me from responsibly closing this account. 

I am requesting that the CFPB require Credit Collection Services to provide written confirmation of the settlement terms and ensure that the debt will be reported as Paid in Full or Settled in Full upon payment. The agencys refusal to negotiate in good faith and its obstructive tactics warrant immediate review.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was orginally with Ocwen until PHH Mortgage came and replaced Ocwen. Then Ocwen put 2 accounts under the Ocwen name on my credit report. There is one open account from PHH Mortgage on my XXXX  credit report. There are 3 closed account on my XXXX  credit report one of them is a HELOC that is mine the other 2 are Ocwen. I never had 2 accounts with Ocwen. It shows that I have had 2 loans with Ocwen which is not true.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

My vehicle was towed on XX/XX/XXXX at XXXX XXXX. I was not sure why the vehicle was towed because the vehicle was paid off. I purchased the car from US Auto Sales located at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. After XXXX their information, I reached out to Westlake Debt Collection Company and was told I was behind on payments and that needed to pay an outstanding amount if I wanted my vehicle. The information that Westlake provided me with as far as my address was not correct. The address I was told that the vehicle was towed from was located in Tennessee and I have never lived in Tennessee. I was asked for an address, social security number, and other personal information that they did not have on file in an attempt to get specific information to try and attach to the documents that they were emailed to me. Westlake Portfolio has not reached out to me via mail, the email address that they have on file is outdated and the vehicle was towed from a completely different address than what they have provided to me. I was hung up on several times by their representatives and this company is located in California. Westlake portfolio stated that US Auto Sales was bankrupt in XXXX and closed down in XXXX. I was still making payments on this vehicle at that time and up until XX/XX/XXXX. US Auto Sales have not reached out to relay any information pertaining to this matter. I have attempted to access my online account with US Auto Sales to see my payment history and that information is no longer available to be accessed. I have attached my bank statements to show proof of payments because Westlake 's portfolio stated that I have not made any payments as they know of. US Auto Sales has closed out my account and reported it to the credit bureau as a paid-in-full and closed-out account. The information provided to me by Westlake is information the same information I was asked to verify my account with them. US Auto Sales is also the original lien holder.
Product: Debt collection

Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/2020. I have recently contacted Citigroup , Inc. stating that my account is in billing error. 

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, Capital One Bank  USA/ XXXX XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both Capital one and XXXX they can not find the inquires and no one will answer at XXXX XXXXXX/XX/XXXX XXXXXXXX  is sending me a letter with the information to call the company but I did not open any new accounts.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I wrote a check for {$2000.00} to a business from my KeyBank Personal Line of Credit. 

On XX/XX/XXXX, this check was erroneously drawn against my line of credit by KeyBank for {$3000.00}. 

I received my periodic statement reflecting this error from KeyBank on XX/XX/XXXX ( statement attached ), but only noticed this error while reviewing my financial statements on XX/XX/XXXX. 

I called KeyBank on XX/XX/XXXX and spoke to a representative regarding this error. They pulled up a scanned image of the check and confirmed that a clerical error had been made and promised that this would be corrected within 3 business days. Adding an additional day to account for the XXXX XXXX XXXX, they promised that this error would be corrected and the funds returned to my credit line by Thursday, XX/XX/XXXX. 

I did not see any correction or refund and hence called KeyBank again on XX/XX/XXXX. The representative apologized for the delay, said the error correction was still in progress, and I should see the funds returned ( at least provisionally ) by the following business day, Friday XX/XX/XXXX, and that I would receive a call back confirming this. 

Neither of these things happened neither the funds being returned ( even provisionally ) nor receiving a call back. 

I called KeyBank again on XX/XX/XXXX and informed the representative that they were in violation of CFPB regulation 1005.11 ( c ) ( 1 ) concerning the relevant time limits on confirmed error corrections ( 10-days ). The regulations do allow for 45-days in exceptional circumstances but nevertheless the bank must provisionally correct the error once acknowledged within the original 10-day period. 

KeyBank has not even provisionally corrected the error and the additional {$1000.00} erroneous charge continues to accrue interest.
Product: Checking or savings account

I am writing to file complaint against Navy Federal credit Union regarding multiple overdraft fees. I have incurred despite having insufficient funds when transactions were authorized. I will charge fees due to lack posting of charges and credits this issue alliance with the recent CFBP findings against Navy Federal for similar practices where transactions set up with insufficient balances, despite initially available funds I believe these practices are unfair and requesting investigation to my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint through the CFBP portal outlining the fact that Transunion has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Transunion ignored the complaint and closed their response through the CFPB portal without resolving the issue. Transuion continues to place an old, unverified Aleged debt from XXXX that stems from a closed XXXX XXXXXXXX child support case. The case was based on fraud and got dismissed by an XXXX XXXX circuit Court Judge. Without any certified evidence, proof or documentation from a Judicial officer, Transunion arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Transuion, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX Childsup is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX and XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.
Product: Money transfer, virtual currency, or money service

My brother attempted to send me {$400.00} via CashApp on XX/XX/2023. He sent the money to an obsolete account that I no longer have access to. Despite several attempts, CashApp refuses to either transfer the money to my current account, or refund it to my brother- the original sender. I have provided CashApp with ample information to verify my identity, but they are also asking for my old phone numbers and debit card numbers that I no longer remember. I'm XXXX and my memory isn't what it used to be. When I replace a debit card, I destroy the old one. To me, keeping money that doesn't belong to you constitutes theft, over the internet wire fraud, and since my brother and I are both older than XXXX, XXXX fraud. CashApp 's case number is XXXX and the XXXX XXXX is XXXX XXXXXXXX
Product: Consumer Loan

The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. 
Since I told them not to call me at work, they have called me close to ten times after. 
What are my rights? 
Thank you, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I received a notification that a new inquiry appeared on my credit report. Indeed, an inquiry by XXXX via XXXX was requested on XX/XX/2022 for the permissible purpose of a credit transaction. A credit application had been submitted by someone else using my maiden name and social security number. 

XX/XX/2022 I contacted XXXX for dispute instructions, and then XXXX at the given phone. The representative said they'd send the deletion letter directly to XXXX and then the charge would fall off. He said they could not send a letter to me and that small companies probably do send letters, but that they only send it directly to the bureau. He said it could take 30 days but suggested waiting until early may because reports get updated early in the month. 

XX/XX/2022 I contacted XXXX / SYNCHRONY BANK about a letter I received in the mail indicating they could not locate my account with the information provided and that in order to handle my request they needed my account number - found either on my credit card, billing statement, or credit report. Obviously I do not have an account number. I spoke with XXXX who first said I should contact the bureau, and when I insisted I needed a deletion letter she said she " couldn't find me '' and so it must have fallen off already. She eventually transferred me to XXXX in the fraud department, who confirmed an inquiry using my maiden name. She " resubmitted '' the deletion letter. She said it would take 30-60 days, so XX/XX/XXXX for a possible XXXX update. 

XX/XX/2022 I contacted XXXX / SYNCHRONY BANK to follow up again. I spoke with XXXX, who said he'd follow up with the right department and eventually transferred me to XXXX. She confirmed with bureau was showing the inquiry and my last name ( maiden name ) and said the XXXX request went to the wrong agency and that she would send a request to XXXX that day. Said it would be 30-60 days. 

XX/XX/2022 I followed up with XXXX / SYNCHRONY BANK yet again. I was transferred several times and disconnected twice. Eventually I got to XXXX, who logged into the application database to see what was on file and said an application was processed in XXXX but never decisioned - " interesting. '' He transferred me to XXXX on the fraud team. XXXX said she would follow up. I asked her for a copy of the deletion letter and she said they always send XXXX - but I've never received XXXX and a rep in the past said they don't send them to customers. I shared this and that I'd really like XXXX. She confirmed my address- the one they already had on file for me was not mine. 

XX/XX/2022 I also contacted XXXX again, this time by chat. I asked if there was any way they could have received the deletion letters and just not updated my report. The rep couldn't say - only that the maintenance department would know that and they can only provide that number to subscribers and lenders ( and can't make outbound calls ). 

At this point - 6 months later, I don't trust XXXX / SYNCHRONY BANK or XXXX to resolve this without additional support.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Counsel Experian XXXX XXXX XXXX XXXX XXXX, California XXXX Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from Experian and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : XXXX 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 XXXXXX/XX/XXXX Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that Experian conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with Experian 's arbitration program. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX co XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XXXX
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 Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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: Mortgage

First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )
Product: Credit card

Jewelry store talked to me about Wells Fargo credit card which will have 0 % interest for the first 12 months. After the 12 months I have just been charged a deferred interest ( {$4000.00} ) for the last 12 months. I was lied and never informed about the deferred interest otherwise I would have paid the balance in full. I need the bank to waive the deferred interest and I can pay the balance off in full.