23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account associated with XXXX UNIVERSITY has not been removed as it is CLOSED. 
XX/XX/2017 I have asked to not be contacted through any other means other than standard mail via the postal service to resolve this matter. Yet I still get phone calls and added interest and fees monthly. I have not given permission for any third-party agencies to use or withhold my personal information. I believe excessive fees and interest have been used against me and the agencies involved refuse to answer any of my questions. 

I have not authorized the agencies involved to obtain, store or sell my personal information and have explicitly stated not to be contacted. They do not have a wet-ink signed signature proving I am responsible for any debts they claim I owe them. They harass me and I refuse to have my rights violated any further.
Product: Credit card or prepaid card

I called Barclay card on XX/XX/2018 and asked if they would honor me a credit line increase. Specifically asked, about their process. I have not been told that they are going to pull two hard inquiries. They pulled one on my XXXX and one on my XXXX. I called to dispute this issue and they said they do not have a dispute department. Please help me to get this two inquiries off my credit
Product: Debt collection

I had XXXX XXXX package with Internet, Phone, and Cable/ TV. The XXXX workers went on strike during the period when my services went out. I made several calls to XXXX and they kept promising to send the technicians out to repair the problem. After failing to repair the problem over a two month period, I cancelled the service and obtained new services from another provider. 

I disputed the charges with XXXX ; however, they reported the bill to a collection agency.
Product: Checking or savings account

Between XXXX and XXXX ( NFCU ) Navy Federal Credit Union, ( I feel unlawfully ) took overdraft fees knowing there wasn't any money in the account or not enough money to cover additional charges. Even going as far as not processing charges in a timely manner so that I would ultimately incur more overdraft fees. I have called and spoke to representatives of NFCU about the fraud case with the CFPB and was told that noone has information and they do not know if any actions will be taken at all. I have painstakingly gone through 5 years of statements to add the amount of fees taken and have added the charges together for a sum of over {$4000.00}. As a veteran that has been with this establishment for over 20 years, I expected better practices from a " trusted '' bank/credit union . I am requesting that the funds be put back just as quickly as it was unlawfully taken. Thank you.
Product: Credit reporting or other personal consumer reports

Calendar year XXXX  XXXX  XXXX XXXX placed a credit block on my credit report. I was informed by XXXX XXXXXXXX XXXX due to the block XXXX XXXX XXXXXXXX has on my credit report I am not allowed to open a {$25000.00} savings account with their bank. I was never informed of any credit investigation XXXX  XXXX XXXX performed or was I informed of the outcome of the credit investigation.
Product: Credit reporting or other personal consumer reports

Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX XXXX  # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concern regarding zelles handling of 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 CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXXXXXX XXXX credit report. 

One of those errors was Apple credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called Apple again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize Apple to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the Apple card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Midland Credit on numerous occasions which is the data furnisher to my personal credit. They are advising me that a law office XXXX and XXXX are now handling this file which. Midland Credit can't give me information in debt keeps advising me to give them a call meanwhile XXXX and XXXX is advising that they are NOT handling and have no records under my name, full social, telephone number or any information I have provided. This is hurting my credit and I am in the process of purchasing a home and this will prevent me from doing so. I was looking for a quick resolution but unable to begin to speak to anyone. I believe that this a violation of the FCRA and they should not be allowed to report things to my credit without being able to speak to Mr and provide details. I have even made attempts to do three ways calls and still no avail was I able to get a resolution.
Product: Checking or savings account

I recently transferred money on XXXX to my friends and my account got restricted and finally closed by Chase. I asked for the reason and there was no clear response. The Chase checking account is my account, I have a special feeling about it so I am wondering how can I reopen this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. 

Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. 

I've made it clear that I wasn't in the District when this account was opened, and when this card was used. 

Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). 
-We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. 
-Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). 
-Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. 

And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. 

CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. 

Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. 

I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Experian, account were successfully deleted. Subsequently, the account was added after no notice was given as per the law. With blatant disregard for FEDERAL LAW, the account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX Inquiries : Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 I initiated payment from my savings account for the month of XXXX. Mortgagor due to error in the system withdrew funds from my checking and savings account resulting in duplicate payment and overdraft fees. Payment from checking account was not authorized by me but was processed because checking account was previously linked to my loan. Mortgagor error resulted in a slew of problems including insufficient balance and overdraft fees. Two weeks later they are still unable to process a refund. Upon many requests to get connected to a supervisor within payment department, customer service would hang up on me or tell me that supervisor is not available.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. 

Details of the unauthorized credit inquiries are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can remove them until a CFPB report is filed. 

I am requesting the CFPB to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. 

I appreciate your prompt attention to this matter and look forward.
Product: Vehicle loan or lease

Dear CFPB, I, XXXX XXXX, financed a vehicle with : Credit Acceptance Corporation, At Business : XXXX XXXX XXXX XXXX At Address : XXXX XXXX XXXX XXXX, XXXX TN XXXX, On Date : XX/XX/XXXX, With Vehicle Details : XXXX XXXX XXXX XXXX XXXX VIN # : XXXX Unfortunately, my experience with this vehicle has been nothing short of a nightmare. 

Just three days after purchasing the vehicle, the engine suddenly failed on the highway, putting my life and the lives of other drivers at extreme risk. After conducting research, I discovered that this vehicle has numerous and dangerous engine manufacturer defects that have occurred with thousands of XXXX XXXX, as evidenced by the class action lawsuit against XXXX on XX/XX/XXXX. 

The engine defects cause extreme oil consumption, rendering my vehicle unusable and unsafe to drive. This defect is life-threatening and dangerous, causing significant financial losses, missed job opportunities, and XXXX. 

It is clear that this vehicle was sold to me as a lemon in unsafe and dangerous conditions. While I assume that 1 XXXX XXXX XXXX and Credit Acceptance Corporation were not aware of the XXXX manufacturer defect prior to selling, it is your responsibility as the manufacturer to recall these vehicles and provide a safe and reliable replacement. 

I trusted XXXX XXXX XXXX and this dealership to provide a reliable vehicle that customers can count on. Instead, I find myself in a precarious and very life-threatening driving situation. I demand a recall of my vehicle 's engine and a replacement that is safe and reliable. I find it also appropriate to request a temporary loaner vehicle while mine is being repaired. 

I understand that issues can arise with used vehicles, but I believe that it is the responsibility of the car manufacturer, dealership & financer to ensure that any issues are identified & addressed prior to sale. Given the occurrence of the life-threatening incidents as a result of this vehicle, I feel this is the only acceptable course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX a checking account for XXXX XXXX XXXX  will not let me access money because of maintenance this has gone on for over a day and they are withholding wages from me. The parent company Payfare has given me no information or compensation.
Product: Credit reporting

On XXXX XXXX, 2016, Transunion Credit Bureau was issued an order for deletion through the XXXX system used by XXXX. Transunion still refuges to remove both debts from my credit report. I have spoke to them 30 times even XXXX faxed deletion control numbers to them. Please help me get these XXXX debts removed : XXXX for XXXX for {$17000.00} and {$550.00}.