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

Subject : Dispute of Inaccurate Information on My Experian Credit Report Dear Consumer Financial Protection Bureau, I am submitting this complaint to request your assistance in addressing inaccuracies on my Experian credit report. I have identified the following account as containing errors and potentially violating provisions of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Creditor Type : Personal Loan Companies Details of the Disputed Account : Balance Owed : {$760.00} Account Status : Closed ; Collection/Chargeoff Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Issues Identified : Unverified Information : The Last Verified field is blank, violating FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit bureaus to verify the accuracy of reported data. 

Date Discrepancies : The Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) suggest potential re-aging of the account, which violates FCRA Section 623 ( a ) ( 2 ). Re-aging extends the reporting period unfairly and harms my credit standing. 

Missing Creditor Information : The Original Creditor field is blank. Under FCRA Section 609 ( a ) ( 1 ), credit reports must include the original creditors information for proper verification. 

Seven-Year Reporting Period Violation : The payment history indicates charge-offs as recent as XX/XX/XXXX. However, the accounts initial delinquency occurred after the last payment on XX/XX/XXXX. Per FCRA Section 605 ( a ) ( 4 ), charge-offs should not be reported more than seven years from the date of first delinquency. 

Contradictory Remarks : The remarks state the account was assigned to an attorney, collection agency, or internal collections department, yet the balance is reported as a loss. If the debt is uncollectible, it may no longer be valid for reporting.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name CBE GROUP Original Creditor : XXXXXXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Transunion needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.
Product: Credit card or prepaid card

Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.
Product: Payday loan, title loan, or personal loan

I called SpotLoan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Spotloan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Spot Loan that issues loans through bank BlueChip Financial. When my account defaulted they added late fees and interest to the loan. I borrowed {$800.00} on XXXX the XXXX of 2021 made XXXX payments of {$150.00}. 
I am now aware that SpotLoan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other state. BlueChip Financial agreed to pay {$18.00} XXXX to resolve claims that Spotloan interest rates and loan terms were illegal, and class action also claimed that the companies lacked the proper state licensing to provide loans in various states. 
SPOTlOAN now has turned my account over to a collection agency XXXX XXXX  stating I owe {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( TTY XXXX ). 

SpotLoan charges a annual interest rate of 490 %. Annual percentage rate 490 % finance charge {$2500.00} amount financed {$800.00} after all payments I would of paid {$3300.00} for {$800.00} can view class action settlement here XXXX XXXX XXXX/lawsuit-settlements/closed-settlements/spotloan-high-interest-rates-class-action-settlement/
Product: Debt collection

I have no relationship with Comenity Bank. 

Their automated caller is ringing my phone which increasing frequency from 5 different numbers. The recording says the status of a Wayfare account has changed and asks if this is ( person ) Press 1 if yes and Press 2 if no. If I press 2 the system hangs up. I don't know the person they are asking for and have never had a Wayfare card, or an account at Comenity Bank. 

The calls are increasing frequency '' XX/XX/XXXX 1 call XX/XX/XXXX 2 calls XX/XX/XXXX 1 call XX/XX/XXXX 1 call XX/XX/XXXX 4 calls XX/XX/XXXX 4 calls Numbers used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The system won't give me the option of talking to a person. The increasing frequency is abusive and unfair. The use of multiple numbers is designed to defeat call blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. All late payments should be remove from my credit report.
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute and Request for Debt Validation Reference Number : XXXX Date of Receipt : XX/XX/23 To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account. I received a notice from Credit Collection Services regarding this debt on XX/XX/23, as indicated by the reference number mentioned above. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which allows me to request written verification of this debt.

Please provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number, if different from the one mentioned.

3. Detailed documentation confirming the amount owed, including a full account statement.

4. Proof of your authorization to collect this debt.

5. Any applicable agreements or contracts bearing my signature. 

I request that you cease all collection efforts and refrain from reporting this alleged debt to any credit reporting agencies until the debt is validated per my request. Failure to provide proper validation within 30 days from the date of this letter will result in a formal cease and desist order, and I will consider taking legal action to protect my rights under the FDCPA. 

Please reply in writing to the address provided above. Do not contact me by phone, as I prefer all communication to be documented. 

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

I am filing this complaint against XXXX, TransUnion, and XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance standards. Despite multiple disputes, these credit bureaus continue to report inaccurate, unverifiable, and misleading information on my credit reports. They have failed to conduct proper investigations as required under 15 U.S.C. 1681i and rely on the E-Oscar system for automated verifications instead of manual reviews. 

The issues include : XXXX XXXX : Reported as a charge-off on XXXX with a {$6000.00} balance but not reported by TransUnion and inconsistently handled XXXX XXXX. 
XXXX XXXX XXXX : Listed as a collection account on XXXX without validation, not reported on TransUnion, and inconsistently handled by XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX : These accounts are reported twice on XXXX, artificially lowering my credit score. TransUnion and XXXX report these differently. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : This account is reported as a charge-off every month, preventing the statute of limitations from running. This violates Metro 2 standards and misrepresents the delinquency timeline. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX is listed on XXXX but not on TransUnion or XXXX. Courts do not report child support to credit agencies, making this entry unauthorized. 
Unauthorized Hard Inquiries : There are multiple hard inquiries on my reports that were not authorized, violating 15 U.S.C. 1681b. 

I demand that these inaccuracies be permanently removed from all my credit reports and that the credit bureaus conduct proper manual investigations. Additionally, I am requesting a cease and desist on any further communication or reporting of collection accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  without proper debt validation as required by 15 U.S.C. 1692g. 

This is my fourth attempt to dispute these inaccuracies. The credit bureaus continued failure to comply with federal laws has caused significant financial and emotional harm. I request the CFPBs intervention to resolve these issues.
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 the discrepancies my financial institution and Zelle failed to investigate. my claims adequately, they informed me that recovering lost funds was impossible, and the tracking these transactions was unfeasible The CFPBs findings indicates that Zelle has not only neglected neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After I checked my credit profile I saw some inquiries that are not mine.
Product: Vehicle loan or lease

I am reporting Capital One for extortionate or credits pursuant to 18 U.S. Code 894- Collection of extensions of credit by extortionate means : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than XXXX years, or both. 

Employees at capital one are profiting and have personal financial interests to deny credit which is a guaranteed right owed the applicant/customer/investor. Capital One is a servicer who doesnt put up any consideration in taking risk because employees can not deny what it doesnt loan in the first place. Employees at Capital One purchase retail installment contract from dealership and therefore equity wont allow me and my significant other to be denied an auto loan. Therefore employees at Capital One used false advertising, false and misleading information, deceptive language and deceptive business trade practices to deny us credit regarding the auto loan. Employees at Capital One reporting personal information to consumer reporting agencies without our consent when those reports are proof of income that Capital One employees sale for profit and gain so how are they getting away with denying applicants anything when equity will not allow denials? I will provide documentation and under penalty of perjury as Consumer Financial Protection Bureau employees are witnesses, Capital One employees must admit or deny information provided through my research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX XXXXXXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, has violated my rights. 

XXXX5 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: Vehicle loan or lease

On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX  to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, while transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I submitted a Power of Attorney to Mariner Finance with regard to a customer of theirs with regard to trying resolve or restructure a loan to assist my client with repayment options or a possible settlement.On XX/XX/21 I called Mariner Financial to speak with the manager and was told the she ( XXXX ) was not available.I left a message for a return call.On XX/XX/21 I placed another call to Mariner Financial to speak with the manager and was told once again that she was not available so I left another message for a return call.I called several more time the dates are as follows ( XXXX and again on XX/XX/21 & XXXX.I called on XX/XX/21 because my client received two phone calls and a voicemail from Mariner Financial acknowledging that they have my POA on file but requested that she gives them a call anyway.The last two calls were on XXXX at XXXX and XXXX.After learning of these calls I called Mariner Financial on XX/XX/21 spoke with XXXX and advised him the they are violating that I was the POA for his customer MsXXXX.XXXX  and that they are in violation of FDCPA in contacting her.He said that per company policy that unless they receive a Cease & Desist they will continue to call her.I tried to explain FDCPA he refused to listen.I asked for his legal department he said to look it up then hung up.On XXXX/I called the corporate office to speak to someone with regard to the violations and was told to contact the branch.I explained the situation to XXXX at corporate she agreed that the branch should the contact my client but could no offer me a contact to the legal department and that I should call the branch. I asked if she was refusing to the give me contact information to the legal department and she said that she couldn't help me with that information.I called the branch back to speak with the manager to resolve the violations and was refused.I explained to XXXX that we will seek punitive damages against the company and I was told to do what we need to do. 
The address for Mariner Financial is XXXX XXXX XXXX.XXXX  Oh.XXXX