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

My credit was ran by Capital One on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving an email from this company called Prosper, which says my loan application has been rejected. But I have not applied for this loan at all. This might adversely affect my credit report. Or somebody is impersonating me. 

Copy of the email I received is provided below : On Tuesday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Dear XXXX Thank you for visiting Prosper. More detailed information about why you are unable to obtain a loan through Prosper at this time is available in your Prosper mailbox. Sign in to read this message. 

Thank you, Prosper
Product: Vehicle loan or lease

On XX/XX/2018, I visited XXXX XXXX to purchase a new XXXX XXXX 2018. For the financing portion of the sales process, we met with XXXX XXXX, XXXX XXXX. He offered to bundle {$7100.00} of optional services into our auto loan. 

1. {$3900.00} Service Contract + Prepaid Maintenance program.

2. {$1400.00} Club Plus - tire & wheels.

3. {$870.00} Zaktek Ultimate. 
4. {$850.00} Gap insurance. 

Written terms for these services were unavailable. Instead, he explained that the information will be mailed to our home within a couple of months after the sale. Afterwards, if we wished to cancel any of these optional services, we should notify the dealership and the services will be terminated and a full refund processed. We proceeded to close the sale with XXXX and these optional services were bundled. 

On XX/XX/2018, four months after the sale, we still have not received any information in the mail nor email. Below is a list of our failed attempts to communicate directly with the dealership. 

1. Phone call to XXXX XXXX, XXXX XXXX. No response. 
2. Email to XXXX XXXX. No response. 
3. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
4. Brief phone conversation with XXXX XXXX, XXXX XXXX. Call disconnected on his end. No return call received. 
5. Phone call to XXXX XXXX. No response. 
6. Phone call to XXXX XXXX. No response 7. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
8. Email to XXXX XXXX. No response.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed it. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 



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

Experian enclosed are documents of violations and fraud please read the U.S.C. CODE you are violating please take to heart I will take legal action
Product: Credit reporting or other personal consumer reports

I have many discrepancies on my report have asked for not apt complex for proper documentation verify a very large balance owed was told when I moved out it was XXXX have yet to receive the paper work verify the correct balance and now can not moved into a new apt complex due to this issue
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED DEBT To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding the fraudulent and inaccurate debt you have reported on my credit file. You are currently reporting a debt under my name that I DO NOT recognize, and I demand immediate validation or full deletion from my credit report. 

VIOLATIONS YOU HAVE COMMITTED Upon reviewing my records, I have identified multiple violations of federal laws that you have committed, including but not limited to : 1. Failure to Validate the Debt Under 15 U.S. Code 1692g, you are required to provide a full breakdown of the debt, including the original creditor, account details, and proof that you have the legal right to collect this debt. You have failed to do so. 
2. Reporting Inaccurate or Unverified Information You have violated the FCRA by reporting a debt that you have not validated as accurate. This constitutes a willful attempt to damage my creditworthiness. 
3. Harassment or Unfair Collection Practices If you have called, sent misleading letters, or attempted to collect without validation, you are in direct violation of FDCPA regulations.

4. Failing to Remove a Disputed Debt If you continue to report this unverifiable debt to credit bureaus without proper proof, you are engaging in unlawful reporting practices, and I will take legal action.

DEMAND FOR IMMEDIATE ACTION You now have five ( 5 ) business days from the receipt of this letter to take the following corrective actions : 1. IMMEDIATELY REMOVE this debt from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
2. Provide FULL validation of this debt, including the original contract with my signature proving I owe this amount.

3. Cease all collection activity, including phone calls and written demands, until this debt is fully validated.

CONSEQUENCES OF NON-COMPLIANCE If you fail to comply with my demands within five ( 5 ) business days, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Report your violations to all three credit bureaus and demand removal based on FCRA guidelines. 
Pursue legal action against Zion Debt Holding for FDCPA and FCRA violations, seeking statutory damages and attorney fees.

I suggest you take this matter seriously and act immediately. Failure to comply will result in legal consequences. 

This letter serves as formal notice under federal law. Any further attempts to collect an unverified or fraudulent debt will be considered willful noncompliance and harassment. 

Send all responses via certified mail to the address above.
Product: Credit card

This complaint is a continuum of complaint number XXXX. 

For the statement cycle from XXXX to XXXX of XXXX, American Express requested that payment for that statement be made by XX/XX/2023, a Saturday. I realized on Sunday, XX/XX/XXXX, that I could not make a payment from my account as it would post late and at least one business day after the due date. As a result, I submitted an internal payment request via my Amex account on XX/XX/XXXX. On XX/XX/XXXX, American Express assessed a late fee. I contacted the customer service line via telephone and asked for the fee to be waived. Per the representative, I have had two courtesy waivers and the " system would not allow him to waive it. '' I was unable to have the fee reimbursed. 

This act reflects a potential violation of the Federal Trade Commission Act, Section 5. In truth-in-lending, a consumer is permitted to make a payment on the following business day if a payment date falls on a date in which the financial institution does not accept payments. In this instance, since Saturday, XX/XX/XXXX is the payment date and a date in which American Express does not accept payments, I should have been allowed to submit my payment the following Monday, XX/XX/XXXX, without incurring a late fee.

I am requesting that American Express conduct a seven-year review of my account. In any instance that I was assessed a late fee for a payment due on a non-business day, but payment was received the following business day, those late fees be reimbursed. I am also requesting that the CFPB conduct a review of this process throughout the bank to assist consumers who may have been impacted by this technicality.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$0.00} XXXX XXXX {$280.00} XXXX {$0.00} XXXX XXXX {$420.00} XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


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

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name 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

I accidentally overpaid our Bank of America credit card on XX/XX/23. We owed {$3500.00} on the credit card and I accidentally paid {$38000.00}. We opened a ticket with Bank of America on XX/XX/23 to have the overpayment of {$35000.00} returned to the same account it was sent from. We have called them multiple times requesting the refund, and each time we are told a different date the money will be returned by. The most recent date we were told this would be resolved was XX/XX/23, but it is now XX/XX/23 and there is no sign of the money being returned. We have requested the provide us with a statement in writing of when we can expect the money back and the exact amount they will be refunding us, but the have refused. We are in the process of buying a home and that is money we were saving for the down payment. We just want our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX
Product: Consumer Loan

When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan
Product: Student loan

Since 2009 Sallie Mae and Navient have put me in forbearance plans that have extended my private loans terms with very high interest rates I owed way more than I borrow my private student loans have not been forgiven because Sallie Mae and Navient put me in forbearance before I would default on my loans now there telling me I dont qualify for forgiveness as the most months I miss in payments was 4 months thats because they would put me in forbearance!
Product: Credit reporting or other personal consumer reports

This is absolutely stressing me out. My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the XXXX XXXX XXXX, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX Visa  Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am victim of Identity Theft and inaccurate and incomplete information being reported by Equifax. After reviewing my credit report with Equifax, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from Equifax credit report. XXXX XXXX XXXX XXXX also reported this same XX/XX/XXXXaccount XXXX and it was deleted from my Equifax credit report. XXXX XXXX XXXX is in violation of XXXX CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt. 

XX/XX/XXXX, : XXXX XXXX XXXX XXXX XXXX ATTORNEY IN FACT for its Complaint alleges : XXXX. Notice to brings this action under Section XXXX ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), 16 C.F.R. Part 314, issued pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804, to obtain permanent injunctive relief, restitution, and other relief for XXXX XXXX violations of the FTC Act, 15 U.S.C . 45 ( a ), and the Safeguards Rule, 16 C.F.R. Part 314. Definitions ; rules of construction 15 U.S.C 1681 ( a ) ( 2 ( FACT for ), : Responsibilities of furnishers of information to credit reporting agencies 15 U.S.C 1681s- ( 2 ), Compliance procedures 15 U.S.C 1681 ( e ) ( b ), Obligations with respect to disclosures of personal information 15 USC 6802, 15 USC 1681 ( 1 ) ( b ), Aggravated identity theft 18 USC 1028 ( A ), Protection of nonpublic personal information 15 USC 6801 ( a ) ( 1 ) ( 3 ), Chapter 41 Title 15 Consumer Credit Protection Rights , Violation of Truth in Lending Act, and Violation of Fair Credit Reporting Act.

Attached is Civil Cover sheet FTC Identity Theft Report
Product: Credit reporting

XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDRESS ON THE ATTACHMENT ITR DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA. Kindly remove the Inquiry from my XXXX and Transunion report that is dated for XX/XX/2023. This was not authorized. 

XXXX Card- XX/XX/2023 If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

Thank You,
Product: Credit card or prepaid card

My credit card provider increased my monthly minimum payment without any type of notification of the change. My minimum payment of {$30.00} for months of XXXX and XXXX were paid. However there was an increase ( starting in XXXX ) in my minimum monthly payment of {$7.00}. I'm on automatic bill pay ( recurring payments ). Since I'm using this service I don't check my statements. I do not review my statements every month due to the fact I know what I'm spending. All they had to do was contact me and explain that there was going to be an increase in my monthly bill. Instead of contacting me they began charging late fees. If I was notified I would have immediately made the adjustment to my recurring payment total. I do receive a email each month that I have a credit card statement. Same as my other credit card provider. The only reason I had checked my credit card statement was because I received a different email " Account alert '' that is when I noticed the fees being charged.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Investment Receivers Inc claimed that I owe them {$10000.00}. I have no clue who they are but they keep harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent XXXX, Equifax, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent a complaint to transunion, XXXX, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 I had fraud to occur on my account with Money Card Network. I went to the store to buy something and my card was declined. I logged into my online profile and seen that all my pay check was gone. There was only XXXX cent in there. I checked the transactions and I saw that XXXX had came into my account for the following : two transactions for XXXX, two transactions for XXXX, two transactions for XXXX, one for XXXX and five for XXXX. I called XXXX because I remembered receiving and email telling me to change my password, there was a breech in security. The representative looked up the transactions and stated they were canceled on their end. I then called Money Network and advise representative and I have spoken to XXXX and they said the transactions had been canceled. The representative stated I would have to wait to see if the transactions were refunded within 7 days before I could do anything, and I did. The transactions were not refunded. I filed a dispute for the unauthorized charges, but was told my dispute was declined because I had used XXXX before and I failed how this is fraud. I called the customer service number and advise the Supervisor that on the day these transactions occurred, I called XXXX and Money Network immediately. I was told to send in a letter of appeal addressing the reason why I used XXXX before, and way these transactions were not mine. I did and my claim was still declined. That money was for my car note and I was put in a financial bind when and occurred, and what is even or upsetting is that Money Network is denying my claim wrongfully and not helping me get my money back. Just because I made purchases at XXXX before do not mean every transaction that comes thru from XXXX is authorized by me. I read views online and they do this all the time. I am will not stand for this and I will take every legal action I can.