23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing in regards to my XXXX  XXXX XXXX. My payment due date is scheduled for the XXXX of every month. On Friday, XX/XX/XXXX, I made the payment via the mobile app. After making said payment, I noticed that the post date had been scheduled for the following day, XX/XX/XXXX. I updated my payment to post on XX/XX/XXXX. This was done at approximately XXXX XXXX. As of today, Monday, XX/XX/XXXX, Lexus XXXX  still has not taken the money from my account and I see no record of my payment online. Additionally, the website shows my account as Past Due. This is not only false information, but alarming to say the least, considering I have stellar credit and a perfect payment history. Representative said she had no record I changed my payment post date and said the account shows as past due because it is now the XXXX, and it does not matter that my payment had been scheduled for before the due date. Why does Lexus XXXX consider a payment made before the due date, or even on the due date, as past due?
Product: Credit card or prepaid card

I am a platinum Macys Credit Card holder. I have maintained flawless/perfect credit with them for years. My account number ends in # XXXX. Name on my card is XXXX XXXX XXXX, address is XXXX  XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX. A few weeks ago I received my newest statement My balance was XXXX of which they charged me {$210.00} for interest in XXXX. In XXXX I had purchased like {$100.00} ... it raised a flag. I called customer service and told I was charged for not having to pay interest on a {$240.00} XXXX  XXXX  I purchased on XX/XX/XXXX. I have never heard of this interest nor what I to pay interest after a year. I am prudent person when it comes to credit. I would have never opted for such a thing, {$210.00} interest for a year non-billed charge? for a {$240.00}. 

The true story in addition to this " : credit/interest robbery!. On XX/XX/XXXX I purchased a ring they sales staff claimed was a " XXXX XXXX. '' The cost was a total sale of {$1200.00}. 

I also purchased the XXXX ( for {$240.00} ) I took the " XXXX XXXX to an appraiser and was told it was not worth more than {$80.00} and Macys had a huge mark up as well as not being a diamond. It was actually a XXXX XXXX XXXX. 

I was furious - I went to a 2nd appraiser and he said it might be closer to {$100.00} it that. I needed the appraisal for my insurance company, I went back to Macys and returned the XXXX fake diamond ring on XX/XX/XXXX. I was refunded {$980.00}. Again the rind was return and it any non-disclosed deal for a year without payments there should have been no interest! 

I could not get the customer service representative to hare me, they refused to believe I was never informed that I would not be charged interest. If I signed anything I probably thought it was the charge receipt? 

The XXXX was paid by way of a gift card for the the {$240.00} - how was $ XXXXinterest assessed/charged for a purchase on a gift card? 

I will ever use the charge card again. 

I am respectfully requesting that the interest be immediately be removed from my Macys charge account. 

I did pay an additional payment of {$200.00} after this literally interest robbery. I intend to pay off the total balance and then never use the credit again - NEVER. 

i ASK THAT THE INTEREST BE REMOVED AND MY ACCOUNT BE CREDTED THE ILLEGAL MANUVERUR.
Product: Consumer Loan

Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.
Product: Credit reporting or other personal consumer reports

I recently review my consumer report on XX/XX/2024, I noticed that the CRA 's has furnished debts I do not owe. According to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These accounts are a result of Identity theft and if you continue to furnish this fraudulent debt you will be violating federal law. I have never entered into a consumer credit transaction with these companies. You do not have any contracts bearing my signature granting them the authority to collect any money from me. I want this account deleted immediately. I have provided my identity theft report as well to support my claim along with my proof of identity. 
Here are the accounts I am referring to. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting the same account Multiple times. I have no knowledge of this account and i have requested for it to be validated and i never received a response. I am now hereby demanding that this negative account be removed from my credit report IMMEDIATELY. I have retained and attorney
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that tracking these transactions was unfeasible. The CFPB 's 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. 
There should be a feature that flags Zelle users for scamming/fraudulent behavior who have transactions reported against them. Or they should be banned from being able to use Zelle.
Product: Debt collection

I have asked XXXX XXXX XXXX for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX Synchrony Bank
Product: Debt collection

I looked at my credit on XXXX XXXX and saw that ARS COLLECTION AGENCY took one medical visit and duplicated over 20 collections on my credit mostly for {$21.00} all for the same date. this is so wrong. I have been sick battling for my life and to find that this kind of injustice and fraud as well as greed is going on behind the scene.
Product: Credit reporting or other personal consumer reports

Equifax continues to violate the law and my rights. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Further NO hospital bills should be on any credit reports. 

I hereby request Equifax to remove the following inaccurate, unverifiable, fraudulent collections from my report. 

XXXX. XXXX XXXX XXXX  XXXX {$680.00} XXXX. XXXX XXXX XXXX {$3000.00} XXXX. XXXX {$280.00} XXXX. The XXXX XXXX {$8900.00} XXXX. XXXX XXXX XXXX  XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$4900.00}
Product: Mortgage

Key Bank never sent me a copy of my XXXX for my mortgage through them. Key Bank recently purchased First Niagara Bank, whom I initially applied for my mortgage through. I emailed Key Bank, and have called them twice, asking for them to please forward me a copy of my documents so I could file my taxes. So far, and it 's been well over a month, I still have n't received the forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX. Purchased a XXXX XXXX XXXX portable AC using Affirm on XXXX. Paid XXXX for XXXX payment with XXXX XXXX XXXX debit card. Chat with XXXX XXXX. Transferred XXXX  times to XXXX different agents about status of refund. No resolution. Was given to some higher up team at XXXX XXXX XXXX hours. The risks have exceeded the benefits. I chatted with XXXX XXXX XXXX. On their end the charge is pending. May take up to XXXX  days for release and return to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I believe that Experian has failed to comply with its obligations under the FCRA by reporting inaccurate personal information regarding my credit report. 

The FCRA is designed to promote accuracy, fairness, and the privacy of personal information in consumer credit reports. Unfortunately, my recent experience with Experian has demonstrated a lack of adherence to these principles. I have identified several inaccuracies in my credit report, including wrong name listed as well as an address. CFBP please have this information removed because that is inaccurate information. 

Despite my efforts to rectify these inaccuracies by contacting Experian directly and providing supporting documentation, I have not received a satisfactory resolution. My attempts to dispute the inaccuracies were either ignored or inadequately addressed, which is not in line with the requirements set forth by the FCRA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. It is essential that consumers are protected from false information that can significantly impact their financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Debt collection

I have never had an account with this company Jefferson Capital REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Jefferson Capital the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account 1. Validate Account 09 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information on my credit report was disputed and a validation requested as of XX/XX/21 there has been no response from Transunion and no supporting documents sent the erroneous account is still on my report and should be removed
Product: Money transfer, virtual currency, or money service

My roommate ( XXXX XXXX ) sent me ( XXXX XXXX ) a check through Zelle for {$890.00} on XX/XX/2024 which was taken out of her account but never put in my account. She banks through XXXXXXXX XXXX, and I bank through XXXX XXXX  XXXX. We have both been back and forth filing claims, and both banks have said they do not have the money. They have suggested that the issue must be with Zelle and its handling of the transaction. I had to pay all of the XXXX rent, so I covered her rent then. Now, it's been ten months, and she is missing the {$890.00} taken from her account and I am missing the {$890.00} that I fronted for her rent. We are both recent XXXX XXXX working in our first jobs, so this loss of money is extremely burdensome. Any assistance would be greatly appreciated.
Product: Checking or savings account

I need access to my financial data and CapitalOne is n't allowing me access.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company ( XXXX XXXX  ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, which left me baffled. I routinely check my report, but this time, discrepancies appeared without warning. I even refreshed my browser, thinking it might be a glitch, but the issue persisted. Im deeply frustrated and need the documents I provided to be reviewed immediately so I can stop worrying about this problem.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. Enclosed are copies of ID and proof of mailing address. Sincerely, A COPY OF THIS LETTER WAS ALSO MAILD ON ( XXXX ) TO EQUIFAX XXXX ... ... ... ... ... ... .>>>>A COPY OF METRO-2 REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT sincerely.
Product: Vehicle loan or lease

I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.