23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XXXX or XXXX I submitted letters to navy federal and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the XXXX XXXX XXXX and now along with you guys.
Product: Debt collection

On XX/XX/2024 I received a phone call from a person about a alleged debt, who would not disclose their identity as a debt collector or who the company was and no information about the alleged debt..on XX/XX/2024 I received a text message and though the text I discovered the message was for Harris & Harris a debt collector, the message was settlement offer not the validation of debt notice about the debt and my right to dispute my rights under the FDCPA has been violated according to 15usc 1692g 1692e 1692j 1692c ( a ) communication in connection with debt collection, false or misleading representations, furnishing certain deceptive forms, VALIDATION OF DEBT NOTICE...
Product: Credit reporting or other personal consumer reports

There has been some irregularities on my credit report due to some closed account that I noticed recently that does not belong to me nor do I have anything to do with those closed account, this is a result of inaccuracy reporting and it violated my consumer right.I want all parties involved to look into this urgently and removed this closed account that i have nothing to do with and in Accordance with the FCRA section 611 this companies violated my consumer right. 


XXXX ( opened ) XX/XX/XXXX XXXX ( opened ) XX/XX/XXXX XXXX ( Opened ) XX/XX/XXXX XXXX Bank XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( opened ) XX/XX/XXXX XXXX ( opened ) XX/XX/XXXX All these above account are not associated with me and they are showing on my closed account record kindly remove.
Product: Credit reporting or other personal consumer reports

I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements.

15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft.  XXXX XXXX/XXXX XXXX -  Opened XX/XX/2018The following Inquiries was not authorized by me:XXXX XXXX XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX/XXXXXXXX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lien from  XXXX  County Georgia on my credit report. The lien was " withdrawn '' by the state, but Georgia has no process to report to credit agencies that the lien was withdrawn. The report is showing the lien as " released '' which was true at one time, but now the state has " withdrawn '' the lien but does not have a system in place to report to the agencies. You will see that I have attached the delinquent tax payer list directly from the Georgia website and my name is not on it.    XXXX    and   XXXX    have both removed the item from my report, but Equifax reported back that the lien is justified. It should be removed since it is a " withdrawn '' lien.
Product: Credit reporting

XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/21 AMEX changed the settings of my autopay to turn it off. They did not notify me of this change in the way the regularly notify me of changes in my autopay settings. On XX/XX/21 I was charged interested of {$120.00} on my account because my autopay was turned off without my knowledge and I was not sufficiently notified. 

I was send an email on XX/XX/XXXX with the title of " We were unable to complete your AutoPay payment '' and a section that said " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' After talking with a supervisor via chat on XX/XX/21 reference of COMPLAINT CASE ( XXXX ) I was told that my autopay settings were turned off as of XX/XX/21. This was because my bank account was frozen. Once I received the email I paid immediately, but since I was never notified that my autopay settings were turned off I did not turn them on. I even chatted with a customer representative at that time and they did not notify me that my autopay settings were turned off. As a result the interest charged to me on XX/XX/21 was only as a result of AMEX changing my settings without notifying me. I gave my consent for them to take the payment by turning on autopay initially, but they are charging me interest since they decided not to remove the money from my account by turning it off and not notifying me sufficiently. 

In my chat with them on XX/XX/21 the supervisor claims that the statement in the email on XX/XX/XXXX which reads " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' which follows the statement " Unfortunately, we weren't able to complete your scheduled AutoPay payment because your bank account information is out of date. '' was meant to serve as a notification that my autopay was turned off 5 days prior on XX/XX/21. AMEX specifically has other emails they send whenever my settings for autopay change and this is nothing like those. Also other credit card companies instantly resumed my autopay after my bank account was reconfirmed with another payment.
Product: Credit card or prepaid card

I applied for CareCredit Credit Card and was denied the credit card. I was expecting to receive the reason for the denial and was informed that i was denied for " High risk source of application ''. This is the first time seeing this as a denial so I called Synchrony Bank and just with any situation could not provide me any information to the reason of denial. I have a few credit cards that are through Synchrony Bank. Its not that I havent been denied credit before its just that the explanation that I have always been given has always been clear. It was something that I could interpret by looking over my credit profile. This message of " High risk source of application '' provides no information to guide the consumer to what on my credit profile that was flagged. Two days after being I applied for a home loan and was approved with no issues whatsoever. This made me wonder if Synchrony Bank was pulling the incorrect information from my credit profile. As a consumer if I apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied. I am not expecting them to say, the specific information on my credit profile but what part of my credit profile flagged this. Since I monitor my credit profile fairly close i know if new information is added. I know nothing has changed. I feel confused. Look on the internet and there is no specific explanation to this message they provided me. This doesnt in any way seem like a reasonable expectation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting my car payments past due when they agreed in writing and over the phone that the late payments would be removed.
Product: Debt collection

TSI collections is asking me for a minute clinic payment that my insurance has already paid on XX/XX/2024. I have become recently married and the EOB ( explanation of benefits ) was in my maiden name ( XXXX XXXX ) and TSI is using my married name. The office visit was for {$130.00} and my health insurance paid {$100.00} because of the provider discount. The EOB I have been sent by XXXX shows I owe nothing. I have attached this statement and want this removed from my credit report as it should have never gone to collections ever.
Product: Mortgage

Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. 

Financial status has just changed, as Social Security has been APPROVED!!! 

Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.
Product: Credit card or prepaid card

Received a credit card via 2 day XXXX XXXX looks totally bogus. Never applied for any credit card. Received on XX/XX/22. Did not call number on back as I believe this is some type of scam. It shows XXXX logo but does not say XXXX. Customer service number on back of XXXX. There was no terms or explanation with the card just a card in an envelope sent in a XXXX envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX fraudulently report XXXX, Equifax, XXXX  and NYS Attorney General. XXXX, Equifax and XXXX  continue the fraud. Please refer to attachment.
Product: Debt collection

Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAPITAL ONE AUTO FINAN still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus declined to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Money transfers

Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Paypal restricted my account and prevented funds from being transferred to another person to purchase an item. Initially Paypal indicated this was a random action and it only applied to the individual transaction. Then a day later I received an additional email stating that it applies to the entire account and conducting any other transaction could result in account closure. The account is in good standing. Based on the changing restrictions on the account, it appeared as if something was done illegally. I filled out the request to unlock my account. 

On XX/XX/2020, I reached out to customer support to see why it was restricted. I chatted with " XXXX '' who initially ignored my request for information. A second attempt to get the representative to READ was not met with success either. I asked what federal regulation was allegedly violated or paypal policy. At this point XXXX replied it was to keep me and paypal safe. Now I have received three different answers for why the account is restricted. I then requested an email copy of the chat transcript. I was told that ending the chat would give an option to email it. That was false.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

These con people are conning me with there customer service there are in violation of 15 usc 1681i ( 5 ) The date on there contract, which is for XX/XX/31 which are is in the future, which means void. 

They sold illegal debt to jefferson capital system llc, Jefferson capital system stated they they been ask for trade line be removed and deleted last year. The address they have of me is not mines never have live there. My credit report can prove it on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft from my ex fiance who had passed away. I did not sign up for this car loan. I have submitted proof of an FTC report as well as a police report.
Product: Money transfer, virtual currency, or money service

We applied to lease a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was listed on XXXX. 

We worked with the landlord and attorney on our applications and paid a deposit of {$2200.00} via Zelle. 

The person who was the contact on the listing on the XXXX website took our deposit and we later learned they didn't own the property. 

We've requested information from XXXX about how they gather data and validate ownership of the house. 

We've filed a police report as advised by XXXX XXXX  XXXX and filed a dispute with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed the first dispute to Equifax via XXXX XXXX Mail tracking # XXXX which according to XXXX XXXX was delivered and received on XX/XX/2022. I requested the disputed items be validated. In their first response, Equifax provided no copy of any contract with a signature and therefore failed to property validate said disputed items under federal law. On XX/XX/2022 I mailed second dispute letter to Equifax via certified mail tracking # XXXX which was delivered on XX/XX/2022 according to XXXX signed return receipt. Today is XXXX, XXXX, XXXX, thirty-five ( 35 ) days later and I have not received a response. 

My rights were violated twice under this law as they failed to assure maximum possible accuracy to me ; 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My rights were violated once when they failed to acknowledge my second dispute letter within 5 days under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My rights were violated 10 times wherein each time Equifax failed to validate each disputed item, totaling 5 items for first dispute and 5 items for second dispute under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

This company calls 5 to 6 times a day for the past.6.months. In the state.of Texas that is harassment and if it continues I will.be filing charges.
Product: Debt collection

Company called family members to threaten and harrass regarding an online payday loan that was opened via identity fraud. Did not listen at all, only escalated and yelled then hung up on me. Also called family members leaving same messages. All I have is the phone number of the company XXXX, beleive they said the company name was KM or something but could not make it out.
Product: Mortgage

XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER
Product: Credit reporting or other personal consumer reports

In

accordance with 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate