23daVinci/CFPB_Complaints huggingface dataset:
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/2023XXXX 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 XXXX and XXXX, 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 request, 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: Bank account or service

I opened a checking account with Citizens bank on XXXX 2016 so I can get my social security payments deposited with them. On that day of XX/XX/2016 I deposited {$45.00} check that I need it to cash. In XXXX XXXX, 2016 I received the letter from social security administration letting me know that they were going to deposit my benefits checks to the new account I opened with citizens bank.Social security administration told me in the letter that it can take 1 to 2 months for them to deposit my money. Yesterday XXXX/XXXX/2016, I went online to see my balance which was {$1.00} before yesterday and then the bank put my balance to minus {$9.00} to my new checking account. I called the citizens bank branch in XXXX, NY and I spoke to them and they said that they are charging me a {$9.00} fee for not making deposits. I explain them that social security was going to make my benefit payments on my checking account next month and I told them that I 'm on fix income and I can not afford to pay any fees. the person at citizen bank told me that I have to pay the fees and on top of that more fees per day until my fees are paid. I 'm a XXXX person and is n't my fault that it takes up to 2 months for social security to deposit my benefits to my new checking account. This is the only income that I have and can not afford their fees. As a new customer to the bank I feel that I was wronged and communicated this to the bank I feel that they should delete these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax and each company by certified letter requesting to remove the unauthorized inquiries on my report. I have received over 10 return to sender letters back as the address provided on my report are not to be found. I have also contacted Equifax customer service over seven times, spoken to supervisor and did get one representative that was willing to help remove the inquiries however the call dropped and each representative after that call refused to complete the deletion process. There are several unauthorized inquiries on my report primarily for auto-loans where a I had already a brad new car I purchased less than a year prior to the inquiries. I sent letters requesting supporting info from each creditor of my information, signature and proof of authorization which none of them provided but sent a letter stating the hard inquiry was factual and requested by these companies ; however they failed to provide proof to show that they were " factual. I am requesting that all unauthorized inquires be removed immediately or my next step will be to move forward with legal action. The inquiries are as followed : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2-XXXX XXXX XXXX XXXX XX/XX/XXXX 3-XXXX XXXX XXXX XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XX/XX/XXXX 9-XXXX  XXXX XX/XX/XXXX 10-XXXX XXXX XX/XX/XXXX 11-XXXX XXXXl XX/XX/XXXX 12-XXXX XXXX  XXXX XX/XX/XXXX 13-XXXX- XX/XX/XXXX 14-XXXX XXXX XX/XX/XXXX 15-XXXX XXXX  XX/XX/XXXX 16-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 17-XXXX XXXX XX/XX/XXXX 18-XXXX XXXX  XX/XX/XXXX 19-XXXX XXXX XX/XX/XXXX 20-XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I read about the Navient lawsuit alleging that they steered loan recipients to forebearance when an income based plan would have been better for them. Navient did this to me. I was in forbearance for years after I graduated when I could have been on an income based plan and still had no monthly payment. That would have been a better option for me.
Product: Credit card or prepaid card

Before paying my bill on my Capital One app I saw a transaction that I did not recognize. I called and disputed the amount immediately. While on the phone with representative I was asked for the card number and that's when I realized the card wasn't in my possession. The representative told me not to worry that they would cancel the card so no new charges would occur. I was given a credit until an investigation was done. After about a week I received a letter in the mail stating that information Capital One discovered lead them to believe that myself or another account user benefited from the transaction. I called them immediately to dispute their findings. I asked what their findings were and they pretty much told me, I did this and I have to pay for it. They said someone bought XXXX tickets to a XXXX XXXX ( whatever that is ) and the tickets were sent to my email. I had not received any tickets and furthermore because of religious reasons, I didn't celebrate XXXX. I asked could a more in-depth investigation be done and I was pretty much told they couldn't help me. They also had no information on this company besides a support email address. I told them that it was not fair to me as a customer and the ball had definitely been dropped. They sent me a letter stating that Capital One has a {$0.00} fraud liability promise and that they would protect and resolve my account but that didn't happen. I have been left responsible for charges I didn't make and it's outrageous.
Product: Checking or savings account

Marcus by Goldman Sachs ( Marcus ) has declined to recognize me as my XXXX parents Attorney-in-Fact on their savings accounts. Despite my repeated efforts since XX/XX/year> to submit the necessary documentation, I have encountered numerous challenges that have prevented the successful recognition of my authority and have hindered my ability to access the funds necessary to pay for their care. 
Between XXXX and XX/XX/year>, I made multiple attempts to submit the required supporting documents for Marcus to recognize me as my elderly parents Attorney-in-Fact. Two separate mailings were sent in XXXX and in XXXX to the address provided on the forms downloaded from the Marcus website ; however, these were returned as undeliverable in XXXX. In XXXX, I contacted customer service to report the death of my step-father and submitted a copy of the death certificate. 
After following up with customer service regarding the status of my request in XXXX, I was advised to resubmit the necessary documents, including an original or certified copy ( with a certified stamp ) of the XXXX of Attorney form. I was unable to send the original copy ( as I needed to retain it for other purposes ), I sought a notary to certify a copy of the document. I was subsequently advised that notaries do not provide certified stamps on copies, and instead arranged for the notary to stamp an Oath of Verification and Affirmation form to verify the authenticity of the document. 
In XXXX, I followed up with customer service and was informed that the packet had been received, but it was missing a stamp on the Oath of Verification and Affirmation form ( although the one I sent included a stamp ). I was advised that if the form were resent with the correct stamp, the packet would be approved by the documents review team. A fourth packet was sent in XXXX, and in an XXXX follow-up call, I was notified that the packet had been declined for all ten of my parents accounts due to a missing digit in the number of a single account.

Subsequent to this, I requested that my attorney take over the process of securing my recognition as the power of attorney. She resubmitted the required documents, which were received by Marcus, but she later received a voicemail indicating that they could not communicate with her without a notarized statement authorizing consent to do so. I provided my attorney this consent document which she has since submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called the companies THAT LIST PHONE NUMBER ON EXPERIAN SITE several times and they put me on hold, and do not come back and refuse to delete the unauthorized inquiries and Experian wont allowed any disputes of inquiries online. 

These listed companies have obtained my report from Experian without my authorization. 

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

I have filed a dispute with XXXX, XXXX  and Transunion in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX  XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account
Product: Credit reporting or other personal consumer reports

Last year in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my XXXX application with a lender and with a XXXX grace period I shopped around with other lenders. I was told that I had a XXXX time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the XXXX lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXX XXXX  so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/2023 I requested this company to verify the debt they say I owe. The company responded but didn't provide proper verification. I sent another notice in XX/XX/2023 stating that they failed to properly verify the debt and gave them another opportunity to do so. They sent another letter stating they already did but they didn't.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Experian XXXX XXXX, I am writing to formally dispute inaccurate information listed on my Experian credit report, generated on XX/XX/XXXX. Specifically, there are errors in reporting regarding the following accounts : XXXX. XXXX XXXX  ( Account # XXXX ) The report states that this account has XXXX late payments, including severe delinquencies ( XXXX days past due ) in XXXX. However, I dispute the accuracy of these late payments, as I have consistently made on-time payments or resolved any past due balances in a timely manner. 

Additionally, the comments section mentions " Completed investigation of FCRA dispute - consumer disagrees, '' yet I have not received sufficient documentation proving the validity of these late payments. 

XXXX. XXXX XXXX ( Account # XXXX ) The report lists this account as " charged off '' with a past due amount of {$4500.00}. However, I dispute this charge-off status because I previously settled this account with the creditor in XXXX, and no outstanding balance should be reported. 

The payment history also inaccurately reflects consistent charge-offs ( CO ) and collections ( C ) for XXXX  months, which does not match my actual payment records. 

These inaccuracies are negatively impacting my credit profile, and I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). I am providing supporting documentation ( if applicable ) and request that these errors be corrected or removed from my credit report. 

Requested Actions : XXXX. For XXXX XXXX  - Provide proper verification of late payments or remove the delinquency records. 

XXXX. For XXXX XXXX - Correct the charge-off status and update the balance to reflect the actual settlement. 

I expect a response within XXXX  days as required by law. Please send me written confirmation of the results of your investigation. If these inaccuracies are not corrected, I will consider further action under my rights provided by the FCRA.

Thank you for your immediate attention to this matter. You may contact me at XXXX or XXXX for any additional information. 

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

I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed items as soon as possible.
Product: Credit card or prepaid card

*On XXXX XXXX, XXXX My Citibank credit card ( ending with XXXX ) was charged with 5 unrecognized, unauthorized charges. I assume the card was stolen in the mailing process as I recently ordered a same-card-number replacement for that card and never received it. 
Within a few hours of these charges, I noticed them and immediately reported these fraudulent charges to Citibank. A new card ( ending with XXXX ) was sent out to me by Citibank on the same day. 
The five fraudulent charges are : XXXX ( {$5.00} ) XXXX ( {$31.00} ) XXXX XXXX ( {$1.00} ) XXXX XXXX ( {$380.00} ) XXXX XXXX  ( {$390.00} ) *On XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX I saw on my card that the first three charges above are covered with a " security credit '' but the remaining two from " XXXX XXXX  '' was left uncovered. I called Citibank more than five times and was transferred between different departments, each time I was promised with a security credit within 4-7 business days, which haven't happen till this day. 

*On XXXX XXXX, XXXX The two fraudulent, uncovered charges from " XXXX XXXX XXXX were posted to my credit card statement and therefore requiring me to pay for. Despite multiple phone calls with Citibank on this day, they were not able to handle this issue.
Product: Credit card or prepaid card

XX/XX/XXXX I made a payment my due date is XXXX  of each month on the XXXX I was charged a late fee again inXX/XX/XXXX I made a payment the min or more and on XX/XX/XXXX I was charged a late feeXX/XX/XXXX I made a payment the minimum or more and on XX/XX/XXXX I was again charged a late fee XX/XX/XXXX a payment was made min or more again onXX/XX/XXXX I was charged a late fee Each month I paid within the month before the due date and was assess a fee. this is predatory and illegal. XXXX  reps said they can give me a COURTESY ONE TIME and refund one late fee. this is unacceptable as I was charged 4 times {$38.00} wrongfully. I absolutely want every single fee returned. In the month previously stated my bill was paid on time. Telephone reps refuse to refund me and I've tried messaging them on the site and im getting the same message. one late fee was returned. That is unacceptable.
Product: Student loan

On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.
Product: Bank account or service

www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed