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

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous of times I demand accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX bank XXXX XXXX XXXX bank
Product: Credit card or prepaid card

my card has been declined for " suspicious '' purchases and they are not able to prevent, or remedy the problem. I've worked with them multiple times and after excessive hold times on each call, it continues and can't seem to be fixed. 

Each time I call it's a different excuse. 

This started in early XXXX of XXXX and has occurred in XXXX, XXXX, XXXX of XXXX, XXXX of XXXX and XX/XX/XXXX. 

The purchases were for the following : 1. Pizza at local Pizza shop. ( 1 block from house ) 2. XXXX XXXX for prescription medicine and household ( 2 miles from home ) 3. Online game service using a virtual card number that was exclusively provided by capital one for this service.
Product: Credit card or prepaid card

I am concerned about Citibank 's recent business activities to punish their customers for their lawful business activities with regards to transactions involving firearms production and distribution. Citibank has announced it will no longer do business with companies that do not implement a host of policies promulgated by various gun-control organizations. This amounts to discrimination against people engaged in lawful commerce protected by the Second Amendment.

Although, I have already cancelled my accounts with Citibank, I am still harmed, as are all Americans, by Citibank 's attempt to circumvent the democratic process and impose a radical gun-control agenda by the sheer force of its market share. It is particularly galling considering that Citibank took an enormous bailout from American tax payers not too long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to open TD BANK USA/TARGETCRED. I have filed a police report and FTC Report. I am preparing a lawsuit. After informing XXXX and TD Bank i have gotten nowhere. they do not investigate the matter even with the police involved.
Product: Checking or savings account

As a member of Navy Federal Credit Union, I was subjected to unexpected and unfair overdraft fees on transactions where I believed I had sufficient funds, including purchases, ATM withdrawals, and transfers through platforms like XXXX and XXXX. These fees, which were often {$20.00} per transaction, created significant financial strain by depleting my account balance without warning, leaving me unable to cover essential expenses like rent, utilities, and groceries. The lack of transparency and processing delays surrounding these charges eroded my trust in the institution and forced me to incur additional financial hardships, such as late fees and reliance on credit, to stay afloat. This predatory practice has left a lasting impact on my financial stability and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX/XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX/XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies XXXX, Transunion and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Debt collection

i have never talked to them over the phone about debt or got any calls at all!! 
i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

XXXX XX/XX/XXXX I purchased my XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. To date I have paid {$13000.00} toward the purchase of this vehicle. Ally is showing that I have a balance of {$26000.00} and refuse to deduct the payments Ive made. I have spoken with several of their representatives and have asked Ally to conduct an audit of my account and correct their numbers but to no avail. Ally representatives have been very rude and disrespectful toward me and my daughter. Ally has harassed me and my daughter over the past XXXX years because they do not have their information correct. Ally continues to call me and my daughter with threats to take the vehicle, suggesting we borrow money from our family and friends, suggesting we find a job and pay our bills, its not their problem we dont have any money to pay our bills. The representatives have hung up on us several times even after we have asked them to stop calling, stop the harassment and conduct an audit on our account and correct the errors. One representative stated they will call our family members or whoever they want to call to get their money. Ally made excessive calls that started in XX/XX/XXXX stating that they had not received XX/XX/XXXX payment and still making the false claim to date, Ally is still threatening to ruin our credit and repossess the vehicle. I paid {$590.00} to Ally twice in XX/XX/XXXX to keep them from taking the vehicle yet they continue to deny they received two payments and ruin my credit. They went into my friend 's account and attempted to withdraw a payment after they had already taken a payment and without authorization. Ally denied receiving the payment even after the bank investigated the withdrawal and proved that Ally received the {$590.00}. I was blocked from seeing my payment history on the app. 

NOTE : The reason my payments became late in the first place was because on two different occasions I applied for a deferment. I received the approval for 2 months. On both occasions when it was time for me to pick up the payments, I was told that I did not have a deferment and that I was late even though I had the agreement in writing
Product: Checking or savings account

My son, who is mentally impaired, was the account holder. I am the guardian of the person and property. 
Name XXXX XXXX XXXX Account No : XXXX M & T Bank Maryland Branch This is a violation of the Americans with Disability ACT
Product: Debt collection

I have received countless calls from  XXXX   XXXX   XXXX  for a name ( ca n't understand them maybe its  XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM  FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT
Product: Student loan

I am unable to reach my loan servicer navient any other way but phone for my private student loans. They are variable interest rate loans and very high monthly payments around XXXX a month. I called to see if I was able to do anything to lower my monthly payment. When speaking with the right department finally she could only offer me a reduction of XXXX dollars a month for a period of 3 or 6 months and I could only do it once every 12 months. It was called an interest forbareance program. When i asked if i could get paper work showing that the monthly payment after the 3 or 6 months would not go through the roof she said she couldnt give me any thing in writing until I agreed. I told her i would have to think about it and call them back and she said if I didnt decide now then I may not have the option again.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed I had a new derogatory account. This company XXXX XXXX XXXX. They are reporting a debt of {$640.00} that I dont recognize. I sent them a letter to validate the debt and they sent me an account from XXXX XXXX with the incorrect name, an address Ive never been associated with and different amount owed then what was reported on my credit. They said in the letter that I owe {$310.00}. I received the letter on XX/XX/year>. No validation of me personally owing this debt, bearing my signature also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Equifax received XX/XX/21 regarding bankruptcy reporting in there files and requested method of verification and Equifax responded on XX/XX/21 with file # XXXX stated bankruptcy was verified by XXXX. Appalled by this, I contacted XXXX directly to verify the bankruptcy and during there investigation, they couldn't verify the information and as of XX/XX/21 have deleted and removed the inaccurate unverified information from there file. I sent those results of the investigation by XXXX that the bankruptcy was unverified and inaccurate and remove the information from there files. Sent those results to Equifax received on XX/XX/21 and responded with file # XXXX still referencing the bankruptcy and again on XX/XX/21 with file # XXXX stating the bankruptcy was VERIFIED as accurate. How can Equifax verify that report that the data furnisher has removed from there file since XX/XX/21? Anything verified after XX/XX/21 show come back unverified and should be deleted from there file. Either Equifax lied about verifying the bankruptcy or never sent the request to XXXX to verify the bankruptcy was unverified and inaccurate, and has been removed from there files.
Product: Credit reporting, credit repair services, or other personal consumer reports

New York State Division of Child Support, Transunion, XXXX, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term

overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) St
ate or local child support enforcement agency.

The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX And United States District Court District of Minnesota XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed this company numerous times of the erroneous errors on my credit report through multiple forms of communication. There has been nothing done to fix these issues. My complaints and disputes are being ignored. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove a security freeze from my file and haven been unable to reach anyone at Equifax to do so. Anytime you call you get a fast busy signal or the system hangs up on you. 

I also have a ton of fraudulent inactive accounts on my file I tried to dispute.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing out disputes particularly in 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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Vehicle loan or lease

IN XX/XX/2019 MY LOAN WAS PAID UP, THEN THE CAR LOTS WERE SHUT DOWN AND WE WERE SUPPOSED TO BE MAKING PAYMENT TO THE DEBT COLLECTOR THAT THE CAR LOAN WAS SOLD TO. I ASKED THE DEBT COLLECTOR TO COME GET THE CAR BACK NUMEROUS TIMES BECAUSE I NO LONGER WANTED TO KEEP APYING ON A VEHICLE THAT WAS SOLD TO A DEBT COLLECTOR. THEY REFUSED TO COME GET THE VEHICLE AND AUTOMATICALLY PLACED IT ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and Equifax fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. Equifax refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to make a dispute regarding Mohela student loan. I had a student loan through XXXX. The student loan was some how consolidated into 1 and sent to Mohela. It then appeared as a new debt after I received a email stating it was forgiven and now it has effected my credit score. I would like the score changed back to my prior rating as this is not a new debt. There must have been a mix up with in the government with the loan forgiveness and further more and some how this was added back as a new account and it is not.
Product: Credit card or prepaid card

I bought my car with Toyota where they offered me this credit card which I refused and it seems like they applied without my consent and I dont even have it.
Product: Debt collection

The debt reporting on my credit is not mine, I believe some used our information
Product: Debt collection

After reviewing my credit report, Ive noticed a few accounts owing debt that I know nothing about and would like to have them removed permanently and immediately. 

Date : XX/XX/year> Amount : {$670.00} Company was asked to provide all information as well as have it removed immediately
Product: Credit reporting or other personal consumer reports

Complaint Reference : XXXX XXXX XXXX XXXX- This is to formally file a complaint against XXXX XXXX XXXX regarding the misrepresentation, deceptive practices, and overall dissatisfaction I have experienced with my timeshare ownership. During the initial presentation, XXXX XXXX XXXX employees assured me that they were not working on commission, providing a seemingly transparent and honest overview of the timeshare opportunity. The enticing pictures and promises of flexible vacationing convinced me to sign a contract, believing that I was making a valuable investment. Key assurances were made, including the availability of the timeshare for use at any time, providing me with the flexibility to travel anywhere under my membership. Additionally, I was led to believe that, should I be unhappy with my ownership, I could easily sell it back to the company. However, my experience with XXXX XXXX XXXX has been far from the promises made during the presentation. Contrary to the proclaimed flexibility, I have encountered significant challenges in accessing the timeshare when I am available to travel. Despite numerous attempts, I have consistently been informed of unavailability, rendering the timeshare practically unusable for me. Moreover, the commitment made regarding the option to sell back the timeshare has proven false, as my attempts to do so have been met with resistance and indifference from the company. The lack of responsiveness to my complaints further exacerbates the issue, as all attempts to address my concerns have been ignored. I must express my frustration with the lack of transparency during the contractual process. Important details, such as the cancellation process and rights, were not adequately explained to me. The rushed and pressured nature of the transaction left me uninformed about the terms and conditions of the agreement. In light of these issues, I firmly believe that XXXX XXXX XXXX engaged in unlawful deceptive sales practices, including misrepresentation, omission of crucial information, coercion, and exaggerations regarding the benefits of timeshare ownership. Given the significant discrepancies between the promises made and the reality of my experience, I am formally requesting the rescission of my contract with XXXX XXXX XXXX. I deeply regret my investment in what appears to be a deceptive and misleading scheme. I anticipate a prompt and thorough investigation into this matter, as well as a resolution that reflects the misrepresentation and dissatisfaction I have endured throughout this process.