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

After already possessing a Capital One card, I applied a Capital One Platinum card. 
1. I went through an authentication process online by logging onto my Capital One Account, linking the new card with the existing. 
2. Authentication of identity regarding my social security number, date of birth, address, income, place of work, and other data was tendered. 
And yet, I was asked to " email my state identification or driver 's license '' to Capital One. From a racial equity, civil rights, and consumer protection perspective, the demand that XXXX  consumer, or any consumer, be made to transmit sensitive information via email when alternative means of identification authentication exists in my case is a violation is wrong and contrary to consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX. XX/XX/2020 The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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 dont 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.
Product: Credit reporting or other personal consumer reports

Dear Transunuon, I am writing to formally dispute the reporting of the account associated with XXXX XXXX on my credit report. This letter is being submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking and removal of information resulting from identity theft or fraudulent activity. 

This account was reported to you without my authorization and in direct violation of several federal laws, including:15 U.S. Code 1681c-2 : Reporting of information related to identity theft.15 U.S. Code 6802 : Disclosure of nonpublic personal information.15 U.S. Code 1666b : Late payment must be posted within a reasonable time.15 U.S. Code 1643 : Unauthorized use.The following actions were taken by XXXX XXXX, constituting identity theft and fraud : Unauthorized Disclosure : XXXX XXXX furnished my private information to third parties without my explicit authorization.Continued Reporting After Cease and Desist : Despite my sending a cease and desist letter, XXXX XXXX continued to report late payments on my credit report even after the account was closed and charged off.Failure to Provide 1099-C : XXXX XXXX failed to provide me with a 1099-C form after charging off the account.I have disputed this matter multiple times with both XXXX XXXX and Transunion. However, each time, TransUnion has validated the information without providing evidence of the steps taken to verify its accuracy. This failure to investigate properly indicates a violation of my rights under federal law. 

Given the violations mentioned above, I request the immediate removal and blocking of the fraudulent information related to this account from my credit report as required by the FCRA. This includes all references to this account, any associated late payments, and any other negative information.Please confirm in writing that the requested action has been taken within the 30-day time frame allowed by law. If TransUnion fails to comply, I will consider all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request.
Product: Credit reporting or other personal consumer reports

I woke up to find inaccurate accounts on my credit report, and Im completely baffled. I check my credit report often, and everything has always been fineuntil now. I even refreshed the page multiple times, thinking it might just be a technical error, but the inaccuracies remained. Im at my wits end and asking for a detailed review of the documents I provided so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to my credit transactions that I have made. These are Inquiries : 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 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
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by PHH Mortgage. My reports show 120 days late, which is false. it was in Forbearance. 
Despite two prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of PHH Mortgage. I have also filed with the bureaus and they all use the online auto info sent by PHH instead of a human being reviewing. 

The negligence and incorrect reporting by PHH Mortgage have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by PHH.
Product: Checking or savings account

When signing up for my BB & T debit card, I vividly remember opting out of overdraft fees. Two days ago I transferred money from my XXXX to my bank, they said it would only take hours when it really took days. When the money had appeared in my account it was far less than what I had transferred. They charged me and overdraft fee. But how can this be? I thought you said you opted out of the overdraft fees? You're right, I did do that. These scammers take your money even after you've said you don't want your account charged after you don't have money left. This is XXXX disgusting and no one is doing anything to stop it.
Product: Vehicle loan or lease

I leased a white XXXX XXXX on XXXX XXXX XXXX  at XXXX Dealership XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I leased the vehicle for 4 months because that was the only option, they had for me at the time. ( Which I initiated only a 3 year lease contract ) The sales rep at the time pushed me to lease it for 4 years in case I wanted to buy the car. The day I returned my lease on XX/XX/2019, I went into the dealership and advised them that I was returning the car and I did not want to buy another car. The sales rep and manager continued to push for a sale and ask me why I didnt I want to purchase a new car if I had amazing credit. I advised that I no longer wanted to stay with KIA and was going to see other options on my own. The manager then took me into his office and as I returned the car, they had my sign off on the last checkup. As I signed off on the car the manager entered the ending Mileage and noticed that I did not use all the mileage on the vehicle. The manager then said, wow you really dont drive ; you still have a lot of milage left to use. I then proceeded to take pictures of my Lease in case I would get any type of discrepancy and the first picture I took was the mileage which I still have on my phone. As I was getting ready to leave the Manager asked me one last if I didnt want to look at the new vehicles they received for the new year. I once again said no thank you and left. two weeks after the vehicle was returned, I received a letter stating I owed a balance due to high mileage when in fact the Vehicle was left in perfect condition. I have tried for the last 4 years to dispute this collection with XXXX and XXXX, and I am not getting anywhere. So here I am now filing a complaint for Kia 's sales tactics and unethical Behavior of extra fees that should have never been billed to me. I certainly feel that my car was most likely used after it was returned or some false information was entered when the charges were made. I am disappointed and disgusted with KIA as I was a great customer who was never late on their payments. Until the Lease was returned you can see on my credit report where the issue started and the negative impact it took on my credit score.
Product: Checking or savings account

I received a check from my mother for a family emergency and deposited it in my Bank of America account. Bank of America made the funds available immediately. I then started to use the money to pay bills. My mother 's bank, XXXX XXXX decided to flag the check as fraud and stopped payment after saying the check was cleared. Bank of America then reversed all of the payments and charged me a total of eight {$35.00} NSF fees even after the money had been but into my account a few days later. I tried resolving the issue, but no one at bank of america seemed to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tested positive for XXXX and it affected me pretty bad because Im a type XXXX XXXX with XXXX XXXX XXXX. I was admitted into XXXX XXXX XXXX for one week so they can give me fluids and medicine through an IV because i was so weak and couldnt do anything on my own. Later on with me being in the hospital they discovered I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I had to stay in the hospital even longer. With all that being said my wife reached out to the apartment manager to let her know our situation and that we had to move out with both of us not working and me being in the hospital very sick. She seemed understanding until we later received something on our credit from National Credit Systems stating we owe {$2700.00}. We worked majority of the time we lived there so theres no way we left damages or anything else that could sum up to that amount. We tried reaching out to the apartment manager but we was notified that she no longer worked there and that we wasnt the only tenants she did that way.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX I have contacted both XXXX XXXX and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with XXXX XXXX. The last communication was the following letter. 

To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$560.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.
Product: Credit card

attempted to sign into my online account with XXXX on Sunday XX/XX/XXXX, was denied access to my account, working with Agent I managed to change my password and gain access ... today, XX/XX/XXXX I again tried to access my online account and was taken to Security page for XXXX asking if I was human, check YES box and nothing happens, called PayPal and spent 2 hours with various agents in which no one was able to give me access to my account ... several attempts were made thru the RESET PASSWORD link sent to my email address, but received message that link was expired..links are suppose to be good for 10 minutes, but the links sent to me by PayPal are expired ... now I am locked out of my account due to " too many attempts to change password '' according to live agents
Product: Checking or savings account

I had a stopped payment on a check for {$380.00} but usaa let the check go through causing my mortgage payment to bounce. I was unable to make a deposit at the XXXX ga atm. But they told me I had to just get a money order which I did. I deposited the check using my XXXX   but to make problems worse they hold {$260.00} of my money. Then this new problem arise with this {$380.00} coming out when I had a stopped payment to. There is always somebody at the bank causing you financial issues and things to bounce. Somehow the stopped payment fell off.
Product: Credit reporting or other personal consumer reports

The company lied about not receiving my identified information. I sent the information on XXXX via email and their document uploaded site. I already have a copy of my report which is how I am able to note the information is incorrect. The company never tried to reach me on XXXX  at my email address XXXX because the last email I have from LexisNexis is on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax Information Services, XXXX about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 9 letters to Equifax Information Services, XXXX at XXXX XXXX XXXX XXXX, GA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX XXXX 2 . XX/XX/XXXX, XXXX XXXX XXXX BANK 3 . XX/XX/XXXX, XXXX XXXX XXXX XXXX 4. XX/XX/XXXX, XXXX XXXXXXXX 5. XX/XX/XXXX, XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX BANK 8 . XX/XX/XXXX, XXXX XXXX XXXX BANK 9 . XX/XX/XXXX, XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.
Product: Checking or savings account

I received a direct deposit in my Capital One checking account early in the morning of XX/XX/XXXX. This was the day to be paid as indicated by my employers pay slip. Then it just disappeared. 

I called initially and was told to just give it time. This is despite the fact that a portion of my pay goes to another account, and that had already posted without incident. I called back and was told its not there, so call your employer. I explained that there was no issue with the part of my direct deposit that went to another bank. 

According to Capital Ones own website, direct deposits should post the same business day. That would be yesterday at this point. I believe Capital One is doing what most large banks do. They process a deposit last but process charges first. Also, with it being a holiday they can needlessly hold on to funds most likely with the intent to charge fees. 

I was told it would take 20 days for this issue to be resolved.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety.
Product: Debt collection

Transworld Systems , Inc is attempting to collect a debt that I do not owe. Therefore TSI has no legal right to attempt to collect any money from me. TSI has not validated this debt nor sent me an initial notice of collection. There is no debt to begin with I am fully covered by health insurance and I did not give authorization of any of my medical records, account or bookkeeping to TSI. This attempt to collect money from me is in violation of the FDCPA..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXXXXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I had cosigned on an auto loan for my son in XX/XX/2016. XX/XX/XXXX we went through the process of him getting refinanced through his credit union. WFDS provided the 10day payoff and received the check for full amount on XX/XX/2016. They even sent me back a check for {$50.00} for over-payment. Since XX/XX/XXXX, XXXX has reported to all XXXX credit bureaus in my name that this account is not only still open, but that it is XXXX past due. This has caused my credit score to decrease over XXXX and counting. Noone can help me, not even the Office of the President.. there is no balance due and noone at WFDS seems to know why this is being reported and are completely disinterested in helping me. This is causing me irreparable harm at this point, preventing me from getting my own car financed. I have called everyday, faxed statements and please, dealt with the Credit Bureau Resolution Unit, disputed with all XXXX credit bureaus, etc and WFDS is doing absolutely nothing to correct their mistake ... at the cost of my hard earned credit.
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 ACOUNT NAME CKS Prime Investment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  U S Department of Education XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing. 

In addition to these removal, I am writing to formally request an update to my employment information. The details are as follows : I have been working at XXXX XXXX XXXX  since XX/XX/XXXX. 
The name of my company was originally XXXX XXXX XXXX. 
XXXX XXXX XXXX was incorporated on XX/XX/XXXX, as indicated in the attached corporate formation documents. 
The name of the company was changed to XXXX XXXX XXXX in XX/XX/XXXX. 
The tax XXXX  XXXX  for both entities remains the same.