23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with Capital One. I called Capital One Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with XXXX as being an active, valid account. Capital One would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.
Product: Credit reporting or other personal consumer reports

My credit was ran without my authorization 12 times on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nissan XXXX XXXX. I spoke to the branch manager XXXX and he said he would talk to the team regarding this issue, and while I appreciate the assurance that the sales team and management will be trained and educated to prevent future violations, this action does not rectify the damage already done to my credit report. It only helps the next person. My concern remains unresolved, and I need this issue to be addressed promptly. I wrote the company and they ignored my issue and request of compensation of {$12000.00} to a to address statutory damages under 15 U.S. Code 1681n, reflecting the harm caused by the three unauthorized inquires.
Product: Debt collection

I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.
Product: Checking or savings account

Navy Federal Credit Uion Charge Me Fees and Keep sending me mail saying I owe them XXXX and I dont know how I never received it from them so I was confused and they charge me a bunch of late fees. From XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX record shows inaccurate information. On XX/XX/2024 I plead guilty to a Falsification charge ( XXXX XXXX degree ) and my report is showing the wrong information as pleading guilty to a XXXX charge of falsification in theft offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.
Product: Consumer Loan

XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX  repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the RISA and MVISA, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned requestXXXX XXXX XXXX XXXX has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB 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 that in itself is a major concern for me.
Product: Credit reporting or other personal consumer reports

Ive filed 3 disputes with experian regarding this matter. Settled a XXXX XXXX account on XX/XX/2024 afterwards I disputed with experience three times because the account was being reported incorrect. It was being reported as a charge off still and my balance did not XXXX out unfortunately the results of the dispute Ive submitted with the documentation from XXXX XXXX has not sufficed. I also attached a settlement paid in full letter that was provided to me by XXXX XXXX stating that this discount is settled I spoke with a lXXXX representative about this issue and agreed about the status about my account and he said he was going to put an internal dispute on his side and nothing has happened. this is unlawful and I need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I obtained my credit reports from Experian, XXXX, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Charge on my credit score under LVNV Funding for XXXX  XXXX states I owe {$XXXX} + in credit fees affecting my credit. I already paid the one for XXXX. That was correct and I owed that amount. The XXXX dollar card was taken out in my ex wife 's attempt to steal my identity. Thus leaving me with the burden of my divorce in XXXX  and extensive debt. I pray you understand my position. Again I paid the one amount. But I refuse to pay for what she damaged in my ex marriage. I put that behind me. I'd like this ti be the last thing. XXXX. XXXX XXXX.
Product: Debt collection

No record of debt paid from previous agency. Lied, told me contacting the business directly to pay would lead me straight back to them. I called to get to the bottom of why a debt I paid a previous collection agency wasn't reported. Because of the age of the debt and a relocation, I don't have much to work with in terms of receipts/validation. I was told I was on a recorded line, I informed them I was also recording the line with my attorney and got transferred to a supervisor. After discussing options, the man I spoke with told me that if I contacted XXXX customer service to address the payment directly that my account was no longer handled by them and that XXXX would lead me back to Credence for payment. I see in their replies they review calls and provide their own account of what happened, but since I have my own recording of the call I'm happy to provide a direct and complete transcript ( with audio ) if need be. Prior to calling Credence today, I called XXXX and they offered to take my payment. On the same call with Credence, he pulled up my XXXX call log. I asked if he could see the notes and see where XXXX offered to take my payment directly, he said yes. I then told him that his indication that XXXX would direct me back to Credence to pay the debt was misleading and a lie. He tried to lie to me about XXXX being able to receive payment to coerce me into paying Credence. As a creditor, using misleading tactics is a complete violation. Combine that with the fact that they're trying to collect a debt I already paid once. This occurred on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to resolve the violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 2068 ( a ) ( 3 ) : ( a ) Designation It shall be unlawful for any person to ( 3 ) fail or refuse to permit access to or copying of records, or fail or refuse to establish or maintain records, or fail or refuse to make reports or provide information, or fail or refuse to permit entry or inspection, as required under this chapter or rule thereunder ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Violation # 1 Chexsystems has failed to maintain record of my date of birth and social security issuance date, which they have falsely furnished as 1980 in the consumer report I have attached to this letter.

Violation # 2 - ( XXXX XXXX XXXX XXXX XXXX Uknown ) - Alleged transactions or experiences with XXXX XXXX XXXX were included in my consumer report - a clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The consequences for such violations are explained in 15 U.S. Code 2069 ( 1 ) - Civil penalties : Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : 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 an 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 items 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit cards and cell phone companies are not mailing me bills. If I do not get the bill in the mail then how am I supposed to pay it. My XXXX  may be stealing me mail also. My phone was ripped off and XXXX mobile continues to bill me. I thought I could just get a different phone and put a sim card in it. The XXXX XXXX  at XXXX  XXXX in XXXX said I was an XXXX so I went to XXXX and got a XXXX XXXX XXXX phone. Also, Straight talk wireless would not refund my prepaid amount even though I had insurance and submitted a broken phone to XXXX. XXXX in XXXX would not help. They just let you use their phone to call XXXX XXXX. They do not speak XXXX and hung up on me numerous times. Finally I just mailed the phone to XXXX because XXXX was so rude. I also dropped XXXX phones in the photo box at XXXX as no one was working or helping me. Also the people trying to help did not know anything about phones. XXXX should just stop selling Straight Talk phones if they do not help.
Product: Credit card or prepaid card

For months now my XXXX Amazon Credit Card serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX has been charging interest on each statement even though statement is paid in full each and every month for new charges. 
I do have an interest free transfer I did that expires in XX/XX/2023. 

I call each month and they remove the interest charge and apologize. Last month when I got my statement, I called once again and they removed the interest charge. I told them if happened again I was going to file a complaint. 

I just received my statement and again I have an interest charge that should not be there. 

I believe this is an intentional deception and they are doing it to millions of customers. But so many people dont notice or the amount as so small they say nothing. 

This needs to be investigated and charges brought. Im sure that it could be turned into a class action with a little prodding to the correct legal team.
Product: Credit reporting or other personal consumer reports

My request by law was denied for a 1099 because merchant claims the loan is not charged off.

My credit report is saying account collection/charged off by merchant. 

Finally under 15 US code 1692c. Im title to a chain of debt custody from collection and debt validation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint in response to the recent investigation conducted by the XXXX XXXX XXXX. I strongly disagree with their findings and demand utmost accuracy. I am extremely dissatisfied with the apparent lack of effort in reaching out to the creditors responsible for reporting this information on my report. Consequently, I now demand more comprehensive information concerning these specific items under question : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXr XXXX Bankruptcy Reference # XXXX XXXX XXXX Bankruptcy Reference # XXXX. The Credit Bureaus are required to provide me with the names and addresses of the individuals contacted within a strict timeline of fifteen ( XXXX ) days from the receipt of this letter, unless the Credit Bureaus inform me otherwise. Failure to verify within this time frame will be deemed as non-verification, necessitating the immediate deletion of the items as mandated by Section XXXX ( a ).
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. 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 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. 
XXXX XXXX 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
Product: Student loan

There should be no late payments, as I set my loan to be deferred until after graduation. Also, it seems as though there are inaccuracies within the loan itself.
Product: Mortgage

I am a Valley customer. My complaint is that they are NOT transparent. They dont send mail and they dont provide online access to mortgage documents. When I call representatives are not friendly and they have weird business hours like closing at XXXX XXXXXXXX XXXX. 

They tell me they paid my tax and insurance which is why I was charged XXXX dollars extra for a few months but then insurance company contacts me for requesting to pay the bill as Valley did not pay nothing. Nobody I can catch to talk to, they are not friendly not helpful plus I cant access to my statements. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX