23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.
Product: Debt collection

HUNTER WARFIELD XXXX XXXX XXXX XXXX, FL XXXX XX/XX/18 Re : Account # XXXX I have received your attempt of validation of the above mentioned account and have several issues to address with your claim that I owe this ALLEGED debt to your organization. 
First, you have not, by any means, managed to prove to me that I owe this alleged to YOUR organization. You have not provided me with a signature that undoubtedly proves that I have some sort of contractual obligation to pay YOU ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). 
Second, you have also not sufficiently proven to me that I owe this alleged debt to ( Creditor Name Here ) by providing me with a copy of a signature on a contract that I supposedly signed ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). You have merely supplied me with copies of alleged bills on the account in question ( OR contract ). This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the creditor. 
If you can not provide me with a copy of MY signature on a contract with ( Creditor Name Here ), I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of theFDCPA. Continuing collection attempts on this account can and WILL be considered harassment under theFDCPA. 
( Optional ) Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to theFTCand theXXXX. This was completely uncalled for as I am acting within MY rights under theFDCPAandFCRA. 
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 
I, again, request that your company PROVE to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of theFDCPAand CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus. 
I have enclosed another copy of my validation request, as amended and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act and regulations E. These actions have caused significant inconvenience and financial lost. I seek appropriate address for these violations
Product: Vehicle loan or lease

received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX  and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX  team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX  team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One credit card with a XXXX  limit is not being reported by XXXX. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I always pay my card ( The Children 's Place ) on time. So imagine my surprise when Comenity Bank calls my phone, multiple times, not leaving any messages, and when I do reach them, they are claiming that I missed a payment. My records show that i did pay them, and I do NOT appreciate Comenity harassing me via phone and mail, nor do I not appreciate them lying to all 3 credit bureaus and reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

please update my current address to XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX and remove all other addresses showing on my report. I have attached a copy of my most recent utility bill with my current address
Product: Credit card

I used my GM ( Marcus-Goldman Sacs Card ) to purchase tickets to an event on XXXX XXXX XXXX XXXX I waited till the day before like the email said to, that came directly from the vendor XXXX, XXXX reached out to XXXX because it was getting close to the time of the event, it took 5 calls to reach a person who told me they had up to the time of the event to provide tickets for transfer so the next day we went to the event at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sun XXXX XX/XX/XXXXXXXX XXXX XXXX were still hadn't received the transfer and could not reach anyone at XXXX. I had to repurchase a second set of tickets to see the show and take worse seats than I originally purchased, I sent emails to XXXX and called there support line repeatedly for a month with no resolve, So I disputed the charge as the credit card company told me they would protect me and that as long as I had proof that I had been attempting to fix it with XXXX they would credit my account and investigate, then in XXXX the credit card company reversed the charges back to my card said I had inadequate proof that I hadn't received the tickets, so I called and sent them emails I sent to XXXX, sent them the tickets I purchased from XXXX and the copy of the tickets I had bought to replace the tickets I never received. Finally I received an email from XXXX with a link to print the tickets on XXXX for an event that happened on XX/XX/XXXX, so I forwarded this to GM Card and they still sided with the vendor. Here it is XX/XX/XXXX and GM card refuses to fix the issue even with adequate dated proof and reported it to the credit bureau as derogatory. I have never, ever missed a payment or had a balance that wasn't taken care of monthly, my account has always been good standing.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and I dont understand why theyre there. I regularly check my credit report and never had this issue before. I refreshed the page several times to make sure it wasnt a browser glitch, but the inquiries remained. I am extremely frustrated by this, and I need my documents to be carefully reviewed to ensure this issue is resolved once and for all.
Product: Debt collection

I have no recollection of this account nor this debt I have been a victim of identity theft, Ive already complained before, and Ive also had to close and open up a new checking account as a result of the identity theft
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopp silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.
Product: Mortgage

Fay Servicing will not work with me on making payments and trying to foreclosure on my house. They haven't applied mortgage payments that I tried make and has blocked me on their website so I can't make payments and then tells me I'm late and charges me late fees.
Product: Debt collection

I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

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

Ive Been On My Credit Profile Checking My Credit Reports & I Have Inquires That I Did Not Authorize Or Have Any Knowledge Of Ive Tried Contacting The Companies & Havent Got A Response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Capital One requesting an investigation into an unauthorized inquiry on my XXXX, XXXX, and XXXX credit reports dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Capital One to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, Capital One responded on XX/XX/XXXX, stating that " There are three types of inquiries that may appear on my credit report : Prescreening Inquiries, Account Management Inquiries, and Standard Inquiries. '' They failed to provide any documentation or evidence supporting the authorization of the inquiry in question. This inquiry, which was not authorized by me, has negatively affected my credit score. I do not want any prescreened inquiries from creditors unless I have explicitly made such an application.

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Capital One has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX. 
I am filing a complaint against XXXX, Equifax, and XXXX due to inaccurate information reported on my credit reports regarding an account from XXXX XXXX XXXX. Below are the details of the discrepancies : 1. Account Number Discrepancies : Equifax is reporting a different account number for this account than what is shown in XXXX and XXXX reports. 
2. Account XXXX Date Discrepancies : XXXX reports a different account open date compared to Equifax and XXXX. 
XXXX. Late Payment Reporting Discrepancies : XXXX reports four late payments, while XXXX and Equifax report five for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information. 
I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/24 Account # XXXX NCB Management Services, XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist Request To Whom It May Concern, I am writing to formally request that you cease and desist from any further communication or collection attempts regarding the alleged debt referenced in your records under my name. Please consider this letter as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), which requires that all further collection efforts be halted. 
Please be advised that I do not wish to receive any phone calls, letters, or other forms of communication from your office regarding this matter, as I am exercising my right to request that you stop contacting me about this alleged debt. 
If you are attempting to collect a debt, please provide me with the following information : XXXX. A copy of the original agreement or contract. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. A complete accounting of the amount owed, including any interest or fees. 
Please ensure that you honor this request and confirm in writing that all further communication will cease. Failure to comply with my request may result in further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and Capital One reported late payments to the credit bureaus for each of the months the service did not make the payment. Capital One has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. Capital One assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.