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

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XXXX  Equifax XXXX  Account Name : City Select Auto Sales MISSING MISSING Account XXXX MISSING MISSING Balance : - MISSING MISSING Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  XXXX XXXX Balance : {$6400.00} {$6800.00} {$6800.00} Account Name : MISSING MISSING XXXX XXXX Account Number : MISSING MISSING XXXX Balance : MISSING MISSING {$5200.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Furthermore, if all of my information is the same information, from the same place, why are there reports in some bureaus and not in others also, why is the information given not the same? Please send me proof my signature and information
Product: Money transfer, virtual currency, or money service

I tried to buy a dog and the scammers asked me to send money through XXXX XXXX and I said no. My money is not protected. Not knowing using Zelle its unprotected. I said I will do Zelle. The people pretending tot sell the dog were scam artist and knew that Zelle doesn't protect consumers. XXXX XXXX who I bank with are not helping me to get my money back. I went to them to get help for them to tell me the financial institution on the scam artist bank and they never told me.
Product: Consumer Loan

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue with XXXX XXXX  XXXX  they added escrow to my account despite me being XXXX XXXX XXXX XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. Equifax did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.
Product: Bank account or service

i opened a 1 year CD with Eloan XXXX 2016 in the amount of {$200000.00} usd. i started receiving unknown deposits to my checking account from Banco Popluar-after researching, discovered Eloan /Banco popular same company. 

1. They hid the automatic deposit Externally transferring interest monthly to my personal checking, in " my profile '' section at very bottom -- that no one told me about. I had to make an expensive call to eloan from overseas ( which is so annoying that they have no other option like live chat or emails to handle customer service actions ) 2.Eloan would not do anything to rectify their actions. i finally could access my online account ( eloan had locked me out of & only option was to call in -another example of eloans horrible customer service ) I went into my now unlocked account & successfully changed it to " add to principal '' on XXXX XXXX 2016. I know it was successful because i did 2 steps to confirm & site said change was now confirmed in red type. 
3. On XXXX/XXXX/16 another deposit came into my personal account. ELoan undid the 2 steps i did online to confirm the change to the interest deposit to be " Add to Principal ''. 
4. I am disgusted with Eloans fraudulent business practices. I demand they add ALL my interest to my principal from XXXX 2016. To pay me the full compounded interest -- that they are trying to short change me. I never, willingly or knowingly authorized the external transfer of interest of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report dated XX/XX/XXXX, I discovered unauthorized hard inquiries that were not initiated by me : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries were made fraudulently and should not be associated with my credit profile.
Product: Credit card

I have previously submitted this complaint to the CFPB, complaint no XXXX, dated XX/XX/2023. And office of the comptroller of the currency case no XXXX, in which I mentioned, that chase bank denied a corporate credit card under the startup program, because my income is below $ XXXX per year. I need to add a statement to it, that in the issuance of this corporate credit card, 'if anybody made a false claim of discrimination, they need to prove their claim of discrimination, because, my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an XXXX  country. '' My company name is XXXX.
Product: Credit reporting

I initiated a dispute with Experian last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Experian has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. The account names are as follows : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Type : XXXX  XXXX Bankruptcy Updated Account XXXX has reported an increase in the total amount of collection account balances on your credit report. 
Collections Balance : {$29000.00} I looked at my XXXX Credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ) Please remove this from my XXXX XXXX Credit report ASAP. Thanks you.
Product: Credit reporting or other personal consumer reports

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above. 
Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$25000.00}, XXXX XXXX company Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$7000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

My wife bought a XXXX Subaru Forester at a dealership in XXXX, Massachusetts. The dealership submitted a car loan from Ally Financial with a high interest rate. 
My wife 's name is XXXX XXXX XXXX and she is from XXXX. Because of the high interest, payments were difficult. The XXXX Subaru Forester was ending up being towed for missing payments. My wife, XXXX, was angry at me but we finally got the money for the tow and storage fee and the back payment to get the car. 
I now have read the Justice Department and Consumer Financial Protection Bureau article by XXXX XXXX of XXXX XXXX regarding the XXXX to settle the minority car loan discrimination probe. In this article it stated that we would not need to do anything. That we would be notified.
Product: Credit reporting or other personal consumer reports

I went to XXXX on XX/XX/year> and was recently released. The only banks that I have are XXXX and XXXX XXXX XXXXXXXX. But on my credit report, I have active and open accounts that I know nothing about. Ive never had a XXXX XXXX account. Ive never had a XXXXXXXX XXXX XXXX account. Ive never had a XXXX XXXX XXXX account either. Yet all these things are on my credit report. I filed dispute letters with all 3 bearus weeks ago and have not received any results.Ive got open loans in my name that I did not authorize. I dont have any open loans, not with XXXX XXXX. Not with mobile loans, Im not in school. I dont have any school loans either but thats also still I my credit. I am a victim of IDENTITY THEFT Can the inquiries and accounts that I did not authorize please get removed? 
Police report number XXXX XXXX
Product: Debt collection

I am filing a follow-up complaint regarding Halsted Financial Services , LLC . In their response to my initial complaint, they claimed to have sent a validation notice on XX/XX/year>2025. However, I have no record of receiving this notice via mail, email, or any other form of communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to send a written validation notice within five days of their initial communication. Since I never received this notice, I am requesting an investigation to determine whether Halsted properly fulfilled their legal obligation. 

Additionally, I would like confirmation of when and how this alleged notice was sent, along with any supporting documentation proving delivery.
Product: Credit reporting

I canceled my XXXX account, have not received any bills from XXXX, returned their equipment and a collection agency has filled a collection notice with the credit reporting agencies. I have contacted the agencies involved and XXXX. I have received no response from anyone. Here is the collection company - XXXX XXXX, WA XXXX XXXX
Product: Debt collection

This is a spam call that is calling multiple times a day about fake debt and threatening legal action, etc ... they call around XXXX! I am TIRED of these FALSE accusations and I don't know how to get it stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXXBalance : {$4600.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$270.00}.
Product: Student loan

I have been paying on these 2 private loans for nearly 30 years, paying somewhere between XXXX and XXXX on a loan that was originally XXXX. First it was Sallie Mae and now it's Navient. My balance is higher now then it was when I took the loan out. All of my other loans are in income-based repayment. Because I consolidated these loans early on, I couldn't include them. Also it's saying they're from graduate school, that is incorrect. I originally had them with Sallie Mae and when Navient took over something must have changed. 
I spoke with them about options for paying it off and why it wasn't affecting my principal and all they wanted to do was lower my payment, extend my loan, or put it in forbearance. I had a short term in forbearance and I was in XXXX XXXX for 4 years, those are the only times I haven't been paying on them in about 30 years. They said they don't negotiate, were very rude on the phone and unconcerned about my situation. I feel like I'll be paying forever because I don't have the money to pay it off now. I am inclined to stop paying entirely.
Product: Checking or savings account

Capital One Bank has not released my direct deposit ( XXXX  ) payment due to me today XX/XX/year>. They have little to no information on when this issue will be resolved. This issue affects me as well as thousands of other consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681. The account in question does not belong to me and is negatively affecting my credit score.

The details of the disputed account are as follows : - I have never opened nor authorized this account. According to 281 SW715.719, I presume there is no evidence to support the alleged debt. Therefore, it can be concluded that no such debt actually exists. 

Under the FCRA, you are required to : 1. Investigate my dispute within 30 days of receipt.

2. Notify the creditor of my dispute.

3. Provide me with the results of your investigation in writing.

4. Delete or correct the inaccurate information if your investigation supports my claim. 

Enclosed, please find copies of the following documents to support my dispute : 1. A copy of my credit report highlighting the disputed account.

2. A copy of my driver 's license for identification.

3. A notarized affidavit of identity theft.

4. Any additional documents ( e.g., police report, FTC Identity Theft Report ) that support my claim. 

If this error is not corrected promptly, I will have no choice but to seek legal action to protect my rights. I trust that XXXX will address this matter swiftly to avoid litigation. 

Please confirm receipt of this dispute letter and initiate your investigation immediately. I expect a timely resolution as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

Today XX/XX/2021 PayPal withdraw {$7900.00} from my business bank account without my authorization, leaving my account overdraft balance of - {$5400.00}. My customer used the wrong card to do his payment on XXXX XXXX who is from I receive my payments and he ask for refund with his credit card company. PayPal is charging the fees from that transaction and did the withdraw from my business account without my concern leaving with no money to work and left money on PayPal account who gets 1-2 business day to the money go to my bank account and They have a option who is suppose to transfer instant money paying a fee of course but the way dos nor work to and I have to wait 72 hours to PayPal review the transaction and maybe transfer the money to me. 
I have to hold all my crew and keep paying then per day until I have the money in my account back to start my jobs again. Until that my company XXXX XXXX XXXX XXXX will be close and putting me and a hardship situation who the only will pay for that for sure will be me because my employees will get they money, the customer who did a mistake paying with wrong card will have hes money back with full amount, PayPal will have they money and also me and my company will pay for everything mistake made for somebody else or some company. 
I will fill a Police Report against PayPal and for sure I will Law Suit for any damage they causing to me and my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.
Product: Debt collection

Probably chose the wrong catagory but ... 

Received a phone call today with the caller ID of " XXXX XXXX XXXX '' and number of XXXX. Caller then identified themselves as calling from Navient Corporation. This is to get people to answer the call not knowing it is Navient Corporation and is fraudulent. Debt collectors or any company calling to collect a debt need to provide accurate caller ID info.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation.

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

While banking with Wells Fargo I received my debit card and went to make my first deposit in a drive up ATM after hours ( XXXX, Tx location ) I had somehow managed to accidentally get a clothing tag stuck in between the stack of cash that I was depositing. It had, unfortunately jammed the machine, and spit out the majority of the cash that I had deposited. However, there was still money stuck in the machine of an unknown amount in the denomination of {$20.00} bills. When I had made a claim I had let them know it was between {$100.00} and {$300.00} and {$20.00} bills stuck in the machine after over a month and a half, I have been told twice now after re-opening my claim that there was no cash to be found inside the machine, and that the machine was balanced, which I know is physically impossible.
Product: Checking or savings account

Navy federal have me thinking I have money in my account, knowing funds wasn't there just to charge me an overdraft fee.