23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Capitol One 's only defense which was recently documented to me states that Capitol One has a public record address linked to me, a social security number, and a date of birth. All of which could have have been easily accessed during Capitol One 's XXXX  XXXX XXXX which has resulted in a class action settlement preliminarily approved by the U.S. federal court. Furthermore, Capitol One also documented that Capitol One received electronic payments from an account ending in XXXX with The XXXX Bank that is under my personal information which is false as I have contacted XXXX and verified that I have never had an account ending in XXXX ( see attached ). Capitol One has gone to lengths to hide the truth that i never approved, agreed to, or authorized this credit card account. I have maintained my innocence from the very beginning by stating I did not open the card nor make any of the purchases, and sent an identity fraud report which Capitol One never filed or disputed the fraudulent charges.
Product: Money transfer, virtual currency, or money service

Dear Readers I am having trouble with withdrawing my funds out from coinbase.com, they are not verifying my bank account and many other people i know, the procedure to verify your bank details is to send them a sepa payment from you bank and when they receive it they will verify your bank within a few days so you can have access to your funds, after sending them a XXXX  bank transfer onXX/XX/XXXXit was credited to my coinbase account the next day, i waited for 10 days then emailed them about why verification not been done, they replied with an automated message that did not have any relation to my problem, so i called them 3 times, 1st time they said wait another day, 2nd time was to send another payment and 3rd time to email my bank statement via a secure site, so i sent another payment which has also credited my account plus sent the bank statement, then waited again for a reply or verification for 4 days and nothing, i asked some friends who also opened coinbase accounts recently and they too are having the same issues. I would like them to either verify my bank details as they promised over the phone or return my funds back to my bank, i would be very grateful if you can help with this matter. Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove this account from my credit report Because this account is not mine XXXX XXXX
Product: Credit card

Hello, I had two cards with XXXX XXXX  XXXX and since i have been going through financial hardship i was only able to make the minimum payments monthly. Then i was able to fully pay off the card and American express told me the account was under financial review on the and I'd have to wait and give them documents, so waited a bout a week and gave them said documentation. Then they simply closed my accounts on the XXXX without telling me why. I called them to receive a refund since I made that payment at great difficulty to my current financial situation in order to be in better standing with them and to UTILIZE said card. the first call was on the XXXX to try to get the refund the lady told me I would receive it in 3 business days but i never received it so on the XXXX i called again and they said they did not know what happened and had no information for me, but that they would send a check that would arrive in the mail in 7-10 business days, and today the XXXX i called to get an update or tracking number or anything and they said they don't have access or control over the account anymore were extremely rude and condescending and then tried to tell me to calm down after they stole almost XXXX XXXX dollars from me and wasted a month of my time. I then called my bank to see if they could do a charge back and they could not. I really needed that money to get back on my feet this is not something i can wait months on please help me im begging you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 tracking these funds was unfeasible the CFBPs 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 is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act
Product: Credit card

An incorrect charge came through to my Barclay 's credit card in XXXX XXXX. After going through many different departments to try to rectify the charge Barclay 's has been unable to progress my case further. I have had several phone calls on a minimum of a monthly basis with Barclay Card. 
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.
Product: Debt collection

XXXX XXXX claims I owe a debt to somebody called Flex shopper. I have no knowledge of this debt and they have not provide anything to prove that I owe this debt.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year They are reporting to my credit report wrong. 

XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX {$1400.00} XXXX {$540.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several improper reported items on my credit reports. I have tried to reason and or dispute these matters, but there is always a language barrier and a misinterpretation of the information provided. No matter how many documents I provide for proof the debt is never completely deleted. It's sold to another collection company. I have payment arrangements with collection agencies and my debt is sold to get another company and without me knowing my agreement is broken and late payments are on my report. Agreement and accounts that are in forbearance are reported to collection agencies. My report has been paid in full by " me '' auto loan that has been reported as closed without credit for paying off a loan! No increase in my score for paying off debt. No matter how much I pay off my credit scores never go over XXXX.
Product: Debt collection

This debt just randomly landed on my credit report. The debt collector stated that the debt was created on XX/XX/2021. I have received no contact via email, phone, or postal mail about owing money on this debt, or that it was in existence. I did not receive the opportunity to verify that this was my debt. I am not going to pay a debt that was never confirmed to be my own.
Product: Credit reporting or other personal consumer reports

FCRA Viloations Not mine Not my auto loan XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They one called me why i was at work and broke the law there.Frequent and repeted phone calls even thought they were informed by me in person over the phone what they were trying to collect was not owed to them as such they where told not to contact me and remove every thing they put in my credit report realted to a indeogo credit card I had no knollage of. they failded to head the complaint filed here against them and my fees for every phone call they make to me wether i pick up or not. the amount they owe me is now 3 times what they say I owe them and what they owe me. They received my complaint. they have not produced the doucements because I singed no documents. they were informed more than one time and in more than one way not to call me
Product: Credit card or prepaid card

Complaint regarding Defamation, Fraud, Deceitful Business Practices has happen to me , where someone has tried to open credit cards, loans , please remove , help , fraud.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased an adjustable bed base on XXXX, I received a base a few days later but it wasn't the base that I had ordered. So, I contacted the seller by phone and explained to them the issue. They asked for photos of the bed and the labels on the box which I provided to them however they never responded to my emails. So I kept emailing and calling them but the only thing I got was mistreatment from XXXX, the advisor I spoke with on the phone. So, being that I was unable to even have them come to my house to pick it up I opened a claim with my bank stating that I never received the product that I had purchased. After I did that they finally called me back stating that they had scheduled a pickup and that they would refund me my money. They sent a driver by the name of XXXX and another guy and they took my base back but never refunded my money. I sent them multiple emails after that, I called and left voicemails but they NEVER replied again to my emails or ever called me back. They now have the base they had delivered to me and my money and I have nothing. The claim with my bank was denied because I had initially created the claim stating that I didn't receive the item that I purchased because they sent me the incorrect one. Now Chase won't open another claim under the current issue being that I already returned the item but never got refunded. 

Item purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Order date : XXXX XX/XX/2020 Order total : {$1700.00} Order # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off account from XXXX reported on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account information is as follows : Account Name : XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX  I dispute this account because XXXX never sent me a XXXX form, which is required by the IRS to report canceled debt. When I requested a XXXX form from XXXX, they stated that they do not send them out. I believe this is a violation of IRS regulations and the FCRA, which requires that credit bureaus ensure the accuracy and completeness of the information reported. This account was charged off on the following date XX/XX/scrub>XXXX XXXX. Since then, the account has repeatedly been updated as a charge-off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I request that you investigate this dispute and remove the charge-off account from my credit file, as it is inaccurate and incomplete.

Please provide me with a corrected copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On around XX/XX/2023, as a federally protected consumer was denied extension of my own credit for personal, family, or household needs by NAVY FEDERAL CREDIT UNION when I applied for an auto loan of about {$32000.00}. This denial has not only caused emotional and mental distress but has made it very difficult to be able to do the normal daily things that come with life, like going to work, school, grocery shopping, tending to family needs, etc. I feel like NAVY FEDERAL discriminated against me and treated me less favorably than other applicants. Denying a consumer/applicant extension of their own credit solely based of a " credit score '', " too many accounts recently opned '' " balance to high '', etc are NOT deciding factors. Especially when the definition of " Account '' means " an extension of credit ; open-end credit plan '' or when 15 USC 1666d tells you what to do with the treatment of balances Furthermore, NAVY FEDERAL is in violation of several federal laws and Congress made it clear when it comes to Adverse action against a consumer/applicant, however NAVY FEDERAL thinks they are above the law and feels entitled to dismiss what the law says. I have tried reaching out to them to make them aware of the situation and give them the opportunity to resolve this matter however have been unsuccessful. 
By denying extension of my own credit, NAVY FEDERAL CREDIT UNION has unauthorized use of my social security ( credit card ) pursuant to 15 USC 1602 ( p ). I believe the application that I filled out with my social security is actually the collateral security that generated the credit, since financial institutions don't have the power to loan ( 12 USC 83 ) but only to BORROW and PAY INTEREST ( 12 USC 1431 ). Adverse action against a consumer is PROHIBITED by law. Pursuant to 12 CFR 1002.2 and 12 CFR 1002.7, a creditor may NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. You can also find a clear definition of adverse action in 15 USC 1691 ( d ) ( 6 ). I also have reason to believe NAVY FEDERAL is in breach of fiduciary duties pursuant to UCC 3-307.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. 

Company : NAVY FEDERAL CU DATE OF INQUIRY : XX/XX/XXXX, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Discover Card XXXX was totally paid and has not reflected in my score. XXXX  not answering phone and I DO NOT HAVE A COMPUTER. I am going to move next month and I need my score raised so I can get away from here where I am living at. Discover Card has been just lowering my score constantly and i CAN NOT GET INTOUCH WITH XXXX. NOT ANSWERING PHONE.
Product: Money transfer, virtual currency, or money service

Chase was supposed to close my account on XX/XX/2021, due to insufficient funds. A friend of mine was loaning me money to make my credit card payment of {$480.00} due to how ive been struggling lately. She sends it through XXXX by accident & it covers my negative balance of over {$2000.00} with Chase. The account was supposed to be closed, I called chase a minute after she sends it & they say theres nothing they can do. Its infuriating how big banks take advantage of XXXX people when theyre a big part of the reason were XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX COMPANY Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00}
Product: Debt collection

On Tuesday, XX/XX/XXXX, I received a debt collection letter from Synergetic Communication , Inc. It states that I owe a debt of {$4000.00} to a post-secondary education company called XXXX XXXX XXXX, and offers a settlement amount of {$1000.00} that they demand be paid by XX/XX/XXXX.

I have never used, or heard, of XXXX XXXX XXXX, and have never received received any phone calls from either company before today. I do not have any outstanding past-due debts.

I have, so far, attempted to call Synergetic Communication , Inc. twice. Once at a phone number provided on the letter I received, XXXX, and again via another number I found on their web site 's contact page, XXXX. In both attempts, I was put on hold by an automated system for less than 1 minute before being given an option to leave a recorded message.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.
Product: Debt collection

on XX/XX/2022 in my mail box on XXXX PM CST I retrieved a letter purporting to be from " MESSERLI / KRAMER Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : XXXX XXXX XXXX '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.
Product: Credit card

The Law Office of John p. Frye, P.C. ( a collection agency ) has illegally debited my bank account for an amount that was never authorized by me. I filed a dispute with XXXX XXXX XXXX, and it was found in my favor that this group had not acted properly. After some research, I found that this group does not have the best ethical track record.
Product: Debt collection

XXXX XXXX has bought my debt And I getting consistent calls daily.
Product: Credit reporting or other personal consumer reports

The following accounts are reported on my credit report. 
I have disputed and submitted in my IDENTITY THEFT report to Experian, XXXX and XXXX. And they are not following the following listed code.

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me.

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.