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

On or about XX/XX/2022, I responded to a mail offer for a Walmart Capital One Card. I was approved for a {$2000.00} credit limit and the card was mailed to me. The card is frozen and Capital One asked that I go through an identity verification process. On three times, I sent in copies of my driver license, social security card, utility bill and other identity documents. On XX/XX/2022, a representative contacted me from the fraud department to discuss my application. After verifying information, I was told they would remove the block from the card. As of today, that has not been done. When I call back to speak to somebody, I am told the card is permanently blocked, then transferred to another department. The other department tells me they are working the application. It's like the left hand doesn't know what the right hand is doing. I need help.
Product: Credit card

On XX/XX/2024 I rented a vehicle from XXXX XXXX from the XXXX XXXX XXXX XXXX. I declined the lost waiver insurance but before the transaction was completed, I decided to purchased the loss damage waiver insurance to protect the vehicle. The agency assure me that she had added the correct insurance, after clarifying with her multiple time. Upon the return the vehicle the windshield got damage. A few days later I, received a charge from the rental company for the windshield replacement. Therefore, the agency had added the wrong insurance. So XXXX, is making me pay for their employee mistake, because management has failed to training it employees on the different type of insurance they offer. I had contacted the management of XXXX and there was no resolution with him. He just had the I dont care attitude. So I reached out to Capital One and no help there, they gave me a permanent credit then took it back and gotten my account overdrawn. Im still trying to pay the bill, which I feel, I shouldnt for someone else error. I was charged for the rental and insurance that was already paid for, then the allowed XXXX come and add that extra charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received some calls for mortgage and I also got notification from XXXX XXXX  and XXXX XXXX XXXX  that your credit was hard pulled. 
I wanted to submit a complaint as I did not applied for anything and did not gave my consent to anyone yet. 
Please take a look into this.
Product: Credit reporting or other personal consumer reports

In accordance with 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 & number XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX XXXX. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

XXXX XXXX XXXX XXXX acc number XXXX Reinvestigate the completeness of every piece of information and if is not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. cos 1681i- procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Please send me a copy of the results via postal mail. 

I attached an copy of my credit report with the errors
Product: Debt collection

Judgment Acquisitions Unlimited Has sent me a letter stating that they are collecting a payment of {$4000.00} dollars. They have reported it to my credit report and I have asked several times to remove it. Because I have asked for an authorization of a signature or I want proof that they have the chain of title to collect on this debt Citing 15usc 1692 g. They have nothing in file and I have disputed this more than 10 times from my credit still hasnt been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a Refund check for my Gap Insurance on my car for XXXX on XX/XX/2018 months later this company sent me a request to refund the money back they said they sent the check by error, how was this by error when I canceled my gap insurance with this company I had sign all the paperwork for the cancellations, I called my lawyer and he sent paperwork requesting proof of the error. So they put this on my credit report, so I disputed it and it came off my report but its still on XXXX  which it shouldnt be so this is the reason why I filing this claim
Product: Mortgage

i applied to many loan mods but we failed to make payments XXXX time i had the payment they refused it we have time to do another mod my XXXX XXXX XXXX XXXX we lost income my XXXX XXXX XXXX last year lost income then to i work XXXX jobs still don`t make hardly any money
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, identified several serious violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report, and I have taken action to dispute these issues. Here 's a summary of the situation : Willful Noncompliance : Credit reporting agencies accepted and reported inaccurate or unverifiable information about me without validating its accuracy, which violates FCRA Section 616.

Deceptive Practices : My rights as a consumer were disregarded when I was not informed of my ability to opt out of sharing personal information, as required by FCRA Section 603 ( d ) ( 2 ) ( A ). Additionally, inaccurate inquiries and accounts were furnished, violating Section 623 ( a ) ( 3 ).

Debt Collection Violations : Debt collectors engaged in unfair practices by reporting inaccurate debts and sharing information with third parties, in violation of the Debt Collection Practices Act and privacy regulations.

Misreported Late Payments : My credit report inaccurately reflects " late payments '' without any clear definition or valid evidence to support these claims, which is misleading and damaging.

Unauthorized Inquiries : Multiple hard inquiries were made on my credit report without my written consent, violating the permissible purpose provisions under FCRA Section 1681b ( a ) ( 2 ).

Failure to Validate Debts : Debt collectors did not provide the required proof for alleged debts, as mandated by 15 U.S. Code 1692g.

I have formally requested immediate corrections, including the deletion of unauthorized inquiries, validation of all alleged debts, and removal of inaccurate accounts from my credit report. I expect these violations to be addressed promptly. If they are not, I am fully prepared to pursue all legal remedies available under the FCRA to protect my rights and hold the responsible parties accountable.
Product: Money transfer, virtual currency, or money service

I am writing to express my aspirations for a more robust dispute resolution process within Zelle, particularly in light of the recent CFPB lawsuit highlighting opportunities for growth and improvement. Despite utilizing Zelle numerous times and reporting discrepancies, my financial institution and Zelle have fallen short of adequately investigating my claims, presenting a chance for enhancement. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, prompting a call to action for innovation. The CFPB 's 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 and underscoring the need for transformative change. This lack of accountability and transparency presents a profound opportunity for Zelle to redefine its commitment to consumer safety and empowerment.
Product: Debt collection

XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Portfolio Recovery LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Va XXXX ] Re : Debt Validation Request for [ XXXX ] Dear [ Portfolio Recovery LLC ], I am writing to you regarding the above-referenced account that you claim I owe. I request that you provide validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.

Please provide me with the following information : 1. Verification of Debt : A complete account statement listing all payments I have made on this account.

2. Original Agreement : A copy of the original contract or agreement bearing my signature, which shows that I agreed to pay this debt.

3. Insurance Claims : Information on whether any insurance claim has been filed on this debt, including the dates and amounts of any such claims.

4. Chain of Title : Documentation proving that you have the legal right to collect this debt. This should include a chain of title that demonstrates the ownership history of the debt from the original creditor to your agency.

Please treat this letter as a formal dispute of the debt and a request for validation. Until you provide the information requested above, I will consider the debt to be in dispute and will not make any payments. Additionally, I request that you cease all collection activities, including reporting to credit bureaus, until the debt has been validated. 

I expect your timely response to this request, in writing, sent to my address listed above. According to the FDCPA, you are required to provide this validation within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Make sure to send this letter via certified mail with a return receipt requested so you have proof of the date they received it.
Product: Credit reporting or other personal consumer reports

-It has come to my attention that There are unauthorized hard inquires from : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I did not authorized and I am requesting that all hard inquires be removed off XXXX, TRANSUNION and XXXX XXXX reports immediately. 

-Also it has come to my attention that my XXXX XX/XX/XXXX account is not reporting on my consumer credit reporting to TRANSUNION and ask that XXXX account reflect on my credit report. 

-Also my XXXXXXXX XXXX XXXX opens XX/XX/XXXX account was removed off my credit report without my authorization. I'm requesting that XXXX XXXX XXXX account be reinstate and reflect on my credit report XXXX, TRANSUNION and XXXX. ( Accuracy of report ) 15 USC 1681e ( b ) USC 1681 section 604
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX stating that I had a delinquent account and that because of it, my credit score dropped XXXX points. I looked at the account and realized it was for a phone I'd gotten through XXXX financed through TD Bank. I have a long standing account with TD Bank as I have financed plenty of things through them, paying them all off early, and NEVER missing a payment. I went straight to my email to see if maybe I'd gotten a bill from them that slipped my mind and I had nothing. I had not had any correspondence from them since XXXX. 

I called TD bank to ask them to remove this from my credit and they declined several times. I've talked to XXXX different people, the last who noted the account as to what happened and could not explain why I hadn't had a bill. They reversed XXXX of the XXXX late fee charges but said they did not have authorization to reverse the other. They told me to dispute the credit update, which I did, but would not put me in touch with the department who handles credit reporting. 

Today I see the conclusion of the dispute and they have put ANOTHER late report. This is after I have paid more than half of the account off. These people are destroying my credit and won't even talk to me to get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - Equifax partial account number XXXX and XXXX  partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My school loans are all on my report multiple times including closed ones showing as open. They are listed as collections, chargeoffs and most damaging foreclosures. The foreclosures appear as if I have had multiple home foreclosures. I have disputed the errors multiple times every time it seems to just lower my score more I have contacted the us department of education and it seems to get me no where Im now barred from disputing them.
Product: Money transfer, virtual currency, or money service

I transferred the sum of {$600.00} to my XXXX account through western Union and they promised to deposit the XXXX equivalent in my account on the day I made the transfer, which was the XXXX day of XXXX, XXXX. The money has still not been deposited in my account and as a result, I have no money to settle my mothers Medical bills. I have called their customer service number a number of times and they keep telling to wait for the money to be deposited. I looked up the status of the transfer on their website and it says the transfer is still in progress. I have asked for a refund of my money and the agent I spoke with said the system was not allowing her to process the refund. I dont know what is going on and western union should refund my money if they can not complete the transfer. I will greatly appreciate if you could kindly help me to recover my money if they are unable to process the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/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 NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Collectins XXXX XXXX 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Collections : 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 was taken advantage of due to malpractice while several laws were being broken under the FCRA 15USC 1681 by EQUIFAX. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries immediately! 
XXXX 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 XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/ I want to a Bank of America ATM to deposit cash. The ATM gets broken and didn't return my money, instead it gave me a receipt saying that it cant process the transaction or return the money, that I need to call and a claim. It took {$1000.00} dollars. I used the atm on the side of the one that broke and deposit {$350.00} which went through. A few minutes after I realized that they closed both of my bank accounts. I called customer service and it was closed. I called on XXXX XXXX  and the rep told me to call back later that she cant give me any information about MY ACC. I called again and other rep just told me she would do a claim. I called on XX/XX/XXXX and other rep told me they closed my account and that there wasnt a claim for the atm problem, so the person who I spoke with on the XXXX lied to me. I spent almost 3 hours on the phone and they just transfer me to different department and no one had an answer for my money or a reason on why the accounts are being closed. I called again last week and I asked about my money, the representative told me they have given me a credit for the {$1000.00} dollars and transfer me to risk dept. I asked them if I can go to a branch and withdraw the funds and they told I have to wait after XXXX XXXX  to receive the {$1000.00} plus the money that was on the account. I deposited cash and I do not understand why I have to wait almost 2 months to receive my money. They must have already checked the atm. The atm also showed me that it had counted {$1000.00} but he couldn't return it. Since XX/XX/XXXX the risk department has been very disrespectful with me, when I asked them something they kept quit and didnt answer me, they hung up the phone on me. On XX/XX/XXXX I spoke with XXXX XXXX the manager in Texas for Risk Department and he treated me very bad. I made a claim 2 weeks ago and I received an email on the XXXX from regulatory complaints from Bank Of America saying to call them to verify Im the one making the complaint. I called on the XXXX, they didnt answer and I left a message. They said they would call me within 48hrs and it has been more than 48 hours. I sent them an email on the XXXX and one today XX/XX/XXXX and Im still waiting for an answer. I need my {$1400.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

Citibank credit card, Costco Anywhere Visa Card by Citi, has not been honoring one of its benefits. It falsely advertised that it extends the warranty of purchases to 2 years. I filed claims 4 times : 3 times via email, 1 time on the web portal, using the following contact Return this form and all supporting information required within 180 days of the item failure. 
By mail XXXX XXXX XXXXXXXX XXXX fax XXXX By email XXXX Need our help? 
Call the Citi card benefit servicing center, seven days a week. XXXX In summer 2021, I went to a Citibank branch to check on my claim. The banker said Citibank does not process claims, but the claims are handled through Citibank forms and contacts. I was told that it takes 2 weeks to process the claim. My first claim was filed email on XX/XX/2021, then again on XX/XX/2021, then XX/XX/2021, and it was still not processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX, 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my accounts. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with recent findings by the CFPB, which identified with similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite having the adequate funds initially. I believe these practices were unfair and very deceptive.
Product: Student loan

I went to a fraudulent school and was lied to about job placement, entry level salaries, and loan information. I was told I would receive career assistance and never got any and was told about jobs that were on XXXX. My school closed and was renamed and nothing was said or done. There are several articles that revealed my school 's fraudulent tactics and the problems with the accrediting agency. I was sold a faulty product and was deliberately lied to in order to enroll. I have never found a job in my field of study and struggled to pay my loans for over 11 years. My life was ruined because I was fooled and chose to go to this school.