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

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!! 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Product: Debt collection

They put this debt as a move out never lived on the property. The debt wasnt honestly and correctly sent to me therefore they need to remove the debt from my credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

I recently opened a credit card account for XXXX, XXXX XXXX with Capitol One Spark. I spoke to a representative about the application process beforehand. The company gave me a {$500.00} credit line. After I activated my card, I could not use it because on XXXX/XXXX/16, an unidentified Capitol One representative put an illegal hold on my account. This representative did not have a court order and acted illegally. When I filled out the application, Capitol One approved my credit, because of my credentials. I run a paralegal consultation firm. The male representative treated me in a discriminatory way and did not let me speak to a supervisor because of my gender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.
Product: Mortgage

We were supposed to close on our home on XXXX. However when we were at the table signing, the numbers for down payment and closing costs were inflated. After doing the math, we noticed that instead of the 3 % we discussed, 5 % was used. We immediately halted the process and called our loan XXXX for an explanation. He then told us the day of closing that we did not qualify for the 3 % because we did not close on the property we currently live in. My husband and I were shocked. The discussion of 5 % was had and we were adamant that 5 % would be tight for us financially to pay back in 60 days ( Money was borrowed from XXXX of his retirement accounts and needed to be repaid within 60 days ). Like I said previously, the discussion was 3 % at XXXX interest rate that was locked in until XX/XX/year>. The loan XXXX also verified funds for 3 % in case we could not sell our current home in time. No one at Chase took accountability and we were basically told there is nothing they could do. Thats when we were called and emailed by the loan XXXX to attempts to rewrite what actually happened. My husband and I stood firm on the story. The title company can also attest to numbers changing from XXXX before up to the actual day of closing on Chases end. We never gave the ok for 5 % at closing and now we have an expensive mortgage and XXXX extra that we must attempt to repay because of Chases lack of communication and transparency. They took advantage of the fact that my husbands retirement account could accommodate a 5 % down payment and closing costs. So they went ahead and made an XXXX decision to push those numbers through without a discussion with us. The lender/ loan XXXX was extremely communicative until the last few days prior to closing. Ive been with chase the majority of my adult life and cant believe this happened to us on closing day. My husband and I have always been financially responsible, never biting off more than we could chew. This is reflected by a XXXX XXXX of over XXXX for both of us.
Product: Checking or savings account

I am writing to file a complaint Navy Federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged and credits.This issue is aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. Experian Acct # XXXX, Experian Acct XXXX XXXX This XXXX XXXX XXXX XXXX listed this Collection account on my Credit report twice with different Acct numbers for the same balance!! This Debt Buyer Company need to remove this derogatory information from the CRA!! 

I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items that have appeared on my credit report .I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both XXXX and Transunion, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail
Product: Credit reporting or other personal consumer reports

Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix  this ASAP please Im looking to purchase a car for XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$7000.00}
Product: Mortgage

Received a physical letter in the mail from iMOVE Mortgage in regards to our FHA waiting period ending. After reading and receiving the letting, I called the company this morning at the number on the letter, XXXX. 

The gentleman who answered the call was rude and was arguing over my request to simply remove my address from future mailings. I informed him as well that if I would be interested in refinancing in the future, I would initiate that with a company of my choosing. 

At this point, I do not truly know if my address will be removed from their mailing list as requested. The argumentative behavior from the gentleman was unnecessary, impolite, and bad business. This simple request should not have been treated as such.
Product: Credit reporting or other personal consumer reports

To : Whom it may concern, I am writing to dispute the bankruptcy information in my consumer report. The bankruptcy listed is inaccurate, incomplete, or unverifiable. There are several FCRA laws that are in violations of my rights, taken by XXXX. The laws follow are, 15 U.S.C. 1681 ( E ) ( B ) Accuracy on Report 15 U.S.C. 1681 ( B ) ( 2 ) Permissible purpose/ Written instructions of consumer to whom it relates. 
15 U.S.C. 1681 ( Q ) Obtaining information under false pretenses 18 U.S.C. 1028 ( A ) Aggravated Identity Theft 15 U.S.C. 1681c-2 Block of Information resulting from Identity Theft Under the Fair Credit Reporting Act ( FCRA ) section 611, I request that you : 1. Verify the accuracy of the bankruptcy information by contacting the source directly. 

2. Provide the name, address, and the method used to verify this bankruptcy information. 

Also, please note that the court does not report bankruptcies to the credit agencies. As stated in the letter attached from the courts itself. If the information can not be verified, I request that it be removed from my report. 
I expect an investigation to be completed and a written response regarding the results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, us dept ed account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX,, has violated my rights. 

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
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request you assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I dont remember the exact dates, I do remember the company in which it was purchased. I purchased a lens insert for a XXXX XXXX XXXX headset via cash app debit card for around XXXX something dollars. From XXXX XXXX, this is the company in which I did not realize was from a foreign entity. So I decided to buy not realizing that it was a foreign company. I waited over a month and a half and never received order, so this is when I disputed the transaction with cash app. They said when the dispute came back I was refunded, then a month later they closed my account. Even though it was legitimate the dispute they still closed stating that i violated their terms of service, which I read and it was not a breach of contract. Terms. I cant open a new account with cash app new phone number email and everything and they still shut down the account when I try to open.all I want to do is open a cash app account, which I did nothing but honesty and courtesy cash app customer service I even call their customer support when it happen explained every thing and still they dont even seem to care. So I want another cash app account as Im on a fixed income XXXX and cant walk with muscular dystrophy. With out. A job and I need cash app to put my money in as I cant get a standard bank due to my financial situation and credit issues so Im hoping the CFPB can get cash app to respond and help rectify this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and I want it removed from my credit report immediately.
Product: Credit card or prepaid card

I received a letter in the mail from Wells Fargo that stated that they were closing my credit card ending in XXXX. I received this letter on XX/XX/2022. The letter was dated XX/XX/2022. My credit card was at a {$0.00} dollar balance. I had paid it off recently after holding a balance on the card for a bit. This company has made tons of money off of me in interest and decided to close my card due to non-specific reasons on my credit report. I have cards through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX who did nothing of this sort to me. I am currently looking to apply for a mortgage and this will definitely hurt me in the short term and potentially long term as this was my oldest line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan through XXXX XXXX when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. XXXX XXXX is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I scheduled an auto bill pay from Nevada State Bank for my mortgage to XXXX XXXX  on XX/XX/XXXX ( funds to be withdrawn on that date ). On XX/XX/XXXX the funds came out but the check was endorsed by XXXX XXXX XXXX  ( even though the check was made out to XXXX XXXX  ) After hiring a mortgage fraud investigator, I found out the check was deposited into the wrong lock box and XXXX XXXX endorsed the check by mistake. I have contacted Nevada State Bank to rectify this situation on multiple occasions even giving them the XXXX XXXX account number on the back of the check starting on XX/XX/XXXX, As of today, XX/XX/XXXX this still has not been fixed. I filled out a fraud affidavit on XX/XX/XXXX and was told it could take up to 30 days to fix. Still nothing.
Product: Credit card

A fraudulent navy federal account was open in my name at the time I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX GXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

overviewing my credit profile ive noticed a lot of invalid information on my credit report with Equifax. I am interested in disputing all incorrect information to help correct my credit profile.