23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not sign a contract for the and or give permission for the third part debt collector to contact me nor have my personal Information. ( No one is allowed to have or purchase your information without your consent. This is an infringement upon a consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

they had misspelled my email, it is XXXX and not XXXX. I also have multiple accounts with Discover and their app doesn't allow a user to view more than one account. To my knowledge I had not used the card so I never checked that account and since I wasn't notified of a payment due I had no way of knowing that there a subscription that had been placed on that card.
Product: Vehicle loan or lease

I have filled out my consumer credit application with CARVANA for a 2022 XXXX XXXX after receiving an email to go ahead and see my offer, I have encountered a big issue. I have been told that in order to complete the consumer credit transaction/order I need to pay {$5800.00} this is for a financed vehicle that will be used for household and personal purposes. I reached out to CARVANA via their chat and I was told in order to get to the underwritting department I would have to complete the order. Not only is CARVANA customer service not helpful, but CARVANA is in violation of my consumer rights. I provided the customer service rep " XXXX '' with 12 CFR 1026.4 so she would understand my questioning of such amounts but ultimately after an hour no resolution other than having to place the order. Ia m still without a response and without being able to acquire the car. I would like for CARVANA to complete the transaction with all of their fees and " down payment '' added correctly as per 12 CFR 1026.4 so I may go and pick up the car. I also want to stress out that XXXX says insurance, service fees, dealership fees, are part of finance charge, as such said transaction should be XXXX out of pocket for me to pick up this car. Denial of acces to my credit would be discriminiation per Equal Credit Opportunity Act and Carvana withholding my access to my credit and securities would be considered securities fraud.
Product: Debt collection

H LVNV FUNDING/RESURGENT CAPITAL ; wasn't there several lawsuit about this before??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I 've mailed out disputes to all  XXXX  credit bureaus on  XXXX   XXXX ,    2017  regarding a collection account from Central States Recovery for {$350.00} and they have fail to comply with sending me the verifiable validated physical proof I requested as I exercised my right of the FCR A # 811 and FDCPA # 809.
Product: Checking or savings account

Below is reported by Webster Bank, I never owed them anything. I opened a checking account and never used it. I called them to have them remove the fee. They did not. I am now being denied to open up other accounts. 

WEBSTER BANK WEBSTER BANK ; 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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX forbearance program with XXXXXXXX XXXX XXXX  effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXXXXXX XXXX XXXX I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX  advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to Right Path. I reached out to Right Path on several occasions, but on XX/XX/XXXX Right Path informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at Right Path regarding the 120-day delinquency in XXXX, they stated it was an error and corrected my credit report. Now Right Path has reported me 120 days past due again to the credit bureaus and have not corrected the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.
Product: Student loan

They keep increasing my payment and will not work with you for what u can afford. Every year the payment increases by 20-30 %.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I paid XXXX and havent received refund
Product: Checking or savings account

On XX/XX/XXXX, I deposited a {$40000.00} check at Chase, and they immediately restricted my account and my access to all of my funds, not just the check. After a month of exhaustive attempts at getting Chase to verify the check, they closed my account. They refuse to return the money to the funding bank, they have made us jump through every hoop imaginable, just to say no again. We are fairly confident that Chase is committing fraud against me. Even after closing my account, they are still holding onto the funds despite XXXX requesting them back.
Product: Checking or savings account

I opened an account a few months ago with Synchrony bank. I added an account at another bank for transfers and on XX/XX/XXXX attempted to transfer $ XXXX from XXXX XXXX XXXX  to Synchrony. Account was frozen and has been under review. Called on XXXX and XX/XX/12. They tell me my $ XXXX is unavailable to me, that they dont know when it will be reviewed and dont know when I can expect communication back. No communication has been available and even when I escalated the call, they said it could be any amount of time. This is unacceptable. I did everything right and am getting no answers and all my money is tied up indefinitely.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, transunion account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day transunion will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from TransUnion on a email address they had on file that was not mine. I never had another email with transunion other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope
Product: Credit reporting, credit repair services, or other personal consumer reports

three fraudulent accounts and inaccurate reporting are on my equifax credit reporting agency, m i have tried to dispute with them but for some reason they are every stubborn do not trying to help what so ever, i have tried to call to receive dispute results but literally they are asking security questions that i do not even know them or never had these accounts, and i explain it is because i did not open or dont know about these, but late time they did not even answer my questions. i will be attaching my police report and the FTC report that i had inquired and sent to equifax as well. 
please help me in this very tough situation thank you for you cooperation
Product: Credit card or prepaid card

BarclaycardUSA is not answering their phones during the coronavirus period. I have a scheduled payment reflected in their system that is for on-time payment. The ACH was never requested from my bank. I received notice of non-payment. I can not get through to discuss. This has forced me to initiate a second ACH payment in hopes that this one goes through. The fact I can not speak to anyone - hours long wait time - is not acceptable. I now risk double payment if the first ACH goes through.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I would file a dispute and it was never investigated Or if they did I would get notification in less than 24 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
AMERICAN EXPRESS Inquired on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so. 

On XXXX, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so and violated the payment arrangement that was signed by both parties. Payments are to be authorized by myself and the payment date is the XXXX of each month. 

As stated in the pictures I have attached, both unauthorized payments were made at XXXX. No calls were received.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : XX/XX/XXXXXXXX XXXX XXXX XXXX I contacted the creditor, XXXX XXXX XXXX that placed the inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 


Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 


Thank you for your help and assistance. 


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

My credit history age has been consistently low for the entire time I've had credit. I have credit cards and auto loans for 10+ years, yet me credit age consistently says it's only 1-3 years old. This affects my score and at times has affected my ability to get loans.
Product: Debt collection

This is the XXXX time I've contacted this company about a debt for XXXX. The debt is paid in full and the company is still showing over a {$500.00} balance on all 3 of my credit reports. This needs to be removed and shown as a {$0.00} balance immediately on ALL 3 CREDIT REPORTS!!!
Product: Debt collection

portfolio associates is using evasive tactics in failing to identifying who they are and requesting you verify sensitive information about who you are.. when asked who is calling they keep repeating their first and last name and when asked what company they are with they refuse to identify the name of their company.. they say before we identify who we are we need you to verify your information.. 

this is very concerning when someone calls you and wanting you to verify your private and personal information with some stranger who will not tell you if they are with a company. they act like they are an individual calling you requesting you share private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four letters to Transunion credit dispute department started on XXXX 2017 thought out the months leading up to XXXX 2017 asking them to verified four accounts each time Transunion mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Transunion have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Transunion is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Product: Money transfer, virtual currency, or money service

I was never paid from my deposit from my check is considered lost funds on the date of cashing the deposit a hold till XX/XX/year> was placed on my check from the local credit union, eventually I went to verity the check by phone to speed up the process. which a boa representative spoke to my bank directly to verify and made a solution for the local credit union to send my check back and they'll be able to reissue which was falsely told to me still never gotten paid. My first check is in the system as stolen which this was a duplicate check so I have never received a dollar boa is making me file more claims in which they're denying stating It was cashed when its not I have documents showing the check was sent back and the first one was never deposited because it was stolen