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

XXXX XXXX continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX shop were i had it tow to. The dispute department manager called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from Wow.
Product: Mortgage

Chase approved a deed in lieu in XX/XX/2016, before selling the servicing to XXXX. Because they never ordered the assignment of mortgage, I 'm at risk of an illegal foreclosure. I just got off the phone with Chase and they said that the assignment was ordered on XX/XX/XXXX. This was after my constant follow up over a month ago. Today after speaking with Chase, I called XXXX county myself and they told me that they 're up to requests from XX/XX/XXXX. Chase should have ordered this in XX/XX/2016 but they clearly missed it.
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 that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Debt collection

Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every month
Product: Debt collection

im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. it remains unresolved. i request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are and have been violating my right to privacy. I HAVE NEVER GIVEN WRITTEN AUTHORIZATION TO REPORT, PERIOD. AND WHY MY RIGHT TO PRIVACY IS BEING DENIED NEEDS TO BE PUNISHABLE BY LAW In addition they, by, laws passed by congress are to, EXCLUDE things on what they can report.

SEE RULES AND DEFINITON ACCORDING TO : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Kohls/Capone acct XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any reason. 

I respectfully demand these alleged late violations of my rights be deleted or changed to Paid as agreed/never late. 
I request proof that I was notified of such alleged late payments.
Product: Mortgage

Please disregard attached file named doc XXXX and submitted as part of case number XXXX and replace with this recent submission. I am disputing the results of Wells Fargo 's investigation.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report changed last year and was distressed as I have good credit. I logged in to see my credit report and noticed Nelnet Department of Education on my credit. I called to dispute and the loan was taken out AFTER I graduated. I utilized my XXXX XXXXXXXX and cash for college. I never took out a loan. I have my taxes to prove this. When I disputed with the credit agency, someone paid down the balance and the credit Union said I could not dispute unless it was negatively affecting my credit.
Product: Student loan

Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was not eligible Navient refused to let me refinance or give me a lower payment plan or consolidate my loans or do anything, but put them into forbearance for many years and after that when I finally was eligible for forbearance, they put me on a plan where I was paying XXXX percent interest, and the interest was still going racking up really high. Now, the interest rate is up to XXXX XXXX. They call me constantly even when Ive paid my bill. Im unable to focus at work at the XXXX XXXX XXXX XXXX XXXX They call me email me write me its constant even when I have paid my bill they refused to reduce the interest rate, they forced me to sign up for electronic statements. I couldnt view my account and then they deducted thousands of dollars out of my account and one sweep because they said they had permission from the automatic payments and my program had ended and if my program had ended why had they not ended their access to my account, this is criminal. They need to be charged for that. They did not let me know. This is what they were going to do because they forced me to sign up for electronic statements or else I couldnt go to the next screen. I can never get into my account. Im always working late at XXXX XXXX and unable to call and talk to them, they are constantly harassing me and I am tired of it. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX actions were in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). Inaccurate credit reporting can harm a consumers ability to get a loan, and it can also harm the interest rates that they do qualify for in regard to loans they are able to obtain. It can even affect an individual consumers employment prospects. Therefore, it is very important that a consumers credit information is collected, reported, and shared accurately. Violations of the Fair Credit Reporting Act by a defendant can provide consumers with statutory damages and actual damages. It can also entitle consumers to have their attorneys fees and court costs paid for as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my Equifax credit report, I noticed some fraud inquires on it. I disputed those fraud inquires, but Equifax has failed to remove them. I sent a verified letter from my home address for this concern.
Product: Credit card or prepaid card

Hello I have been customers of Us bank for over 2 years We had a secured credit card and was offered to upgrade to an unsecured card on XX/XX/XXXX We clearly asked if our credit would be run to change to an unsecured account and told no it would be based off our payment history with US Bank and I would receive other offers in the mail if we qualify We received new cards in the mail for our new unsecured line of credit for the same limit of 300 However our credit was run I called to ask for a solution to reverse the inquiry to the credit bureau or give us a higher line of credit as 300 is not acceptable when our credit is good and we have other cards with 10x the limit The supervisor XXXX was not helpful and directed us to dispute with the bureau We requested to cancel our account as we were deceived and the supervisor could care less We will be filing a complaint with the FTC and federal reserve These are deceiptful business practices
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time I paid him $ XXXX XXXX XXXX dollars My personal information he has deceptively used my personal information committing fraudulent activities an personal harming my creditibility filing and opening accounts without my authority or permission. Please remove the Bankruptcy filed causing me fianancial hardship and declining issues. XXXX XXXX account opened fraudulently leaving tremendous debts reporting on credit reporting agencies. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I suffered XXXX XXXX ang a XXXX XXXX and several other health issues. Became delinquent on our mortgage payments. Took about two years and a lot of effort but a mortgage modification was offered. We paid the three trial payments as stated in the modification contract. 3 payments of {$2100.00}. All stipulations in the trial modification period have been satisfied on our part. Modification was accepted by both parties. Paperwork signed, notarized and sent. Contract states as of XXXX/XXXX/2016 all documents are automatically modified. Made payments on XXXX/XXXX/16 {$2100.00} for XXXX & on XXXX/XXXX/16 # XXXX for XX/XX/XXXX. received bill stating I owe for XX/XX/XXXX still. Without permission used payment for escrow and part on XX/XX/XXXX? Turns out they say my payments needed to be {$2700.00}! Have talked to XXXX+ loan mod. reps but not answers, no return calls! They refuse to apply my payment where it belongs and never adjusted my interest rate! It is 5.25 when it is supposed to be 3.25 according to contract be XXXX/XXXX/16! Now they want {$2700.00} for XXXX! They violated the modification contract in several ways and refuse to abide by the modifications!!
Product: Mortgage

I was contacted by XXXX XXXX team from XXXX to refinance my home on or about XX/XX/XXXX. XXXX was my original loan officer, so I felt comfortable giving his team members my personal information. I even provided background information for them to best help my current financial situation. They told me I could go into a conventional loan from FHA, I said I dont think this was true due to my credit card debt & XXXX credit score instead of XXXX +. They told me no worries, we can get it done. I give them my information, they start to proceed the process, they then proceed to tell me to skip my XXXX & XXXX Mortgage payments because they would be paying off the loan in time. I did, however, by XX/XX/XXXX, I had not heard from them for about 10 days. I was starting to get concerned. I reached out via email & contacted XXXX, & his team via their direct lines. I did not recieve contact back until the following monday. They then told me that I had to do an FHA streamline, like I said / wanted in first place. And told me I should pay my XXXX payment to avoid fees, I scheduled it soon after ( XX/XX/XXXX ) but my payment didnt transfer until XX/XX/XXXX. This caused me to recieve a late fee from my current lender & lose out on the 2.5 % I was offered by them & XXXX XXXX ( Current lender ) earlier in the month. I am now being offered 2.875 % Refinance. This will cause my monthly payment to increase & my overall cost of my mortgage to increase as well. I was also asked to give my passwords, & usernames by members of his team because They wanted to get paperwork into underwriting. I believe XXXX & XXXX  team acted in an unfair manner & treated me this way because im young, XXXX years old, & believe I lack the knowledge of an older, more experienced person. I believe they need more training & that they should never treat anyone of any age, race or gender with more respect & urgency like they would of someone with a larger loan or more financial means.
Product: Credit card or prepaid card

For more than a year, Capital One Credit XXXX. XXXX XXXX XXXX VA XXXX has been sending me someone elses credit card info via my email address 'XXXX '. I have received emails from the time they applied, was approved, was late, made payments, etc, all to MY email account. The person 's account # ends in XXXX. I do not have a capital one credit card account. Furthermore, I am not sure how capital one even got this particular email address. I have ran a check of my credit and there was no indication that my credit was hacked. I have not capital one credit card account and nothing supiscious is on my credit report. I have been calling, emailing, and writing capital one for nearly a year concerning this issue. I have also filed a complaint with BBB but that turned out to be a waste of time. They, capital one, should thank me that I am not a criminal with the the info they have sent to my email address. I would like for capital one to cease sending me this person 's private info. This has to be a violation of privacy issue among other things. I am tired of the run around between the BBB and capital one. This is not my account, I have no credit card account with capital one and they need to cease from sending me this persons account data. The sent me another email today, XXXX XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fun XX/XX/XXXX Credit inquires that should not be on my report because I did not authorize them
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Dear Equifax, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. 
Please provide the following information : 1. The amount of the alleged debt. XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
2. The name of the original creditor.

3. A copy of the original agreement or contract that creates the debt, or an account statement showing the history of the debt.

4. Any judgment details if the debt is related to a judgment.

5. Proof that you are legally authorized to collect this debt in my state. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you are unable to provide the requested validation, I expect that you will promptly remove this account from my records. 
Please send all documentation to my address listed above. I look forward to your prompt response. 

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

I am writing to dispute the following information that is reporting on my Experian Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is the police report and my Experian credit report . Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.
Product: Student loan

Loan account opened in XX/XX/XXXX, but account was posted after my 4 years of school in XX/XX/XXXX. I have exhausted just about all avenues to have the missed payment marks removed from my credit. I at the time XX/XX/XXXX called up my loan provider and ask that the loan be placed into deferment, however i am assuming that it never was. I some months later caught that this was still reporting as if i was missing payments when in fact i should n't have had any payments to make. No one that i spoke to about this matter apologized or even tried to fix the matter by removing the marks but i am still left with the dragging of my scores down because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Product: Credit card or prepaid card

Amazon requested a copy of any government assistance program card in order to give discounts on item prices and services such as prime. I sent a copy of my XXXX card on XX/XX/2020 and after 30 days of sending them my XXXX card I still have not received any benefits from sending them my XXXX card, however, exactly one month after they received my XXXX card the Amazon Synchrony Store Card lowered my credit limit to 25 % of what it was before ( from {$400.00} to {$100.00} ). They claim that I was late twice on the card and that this was the reason they lowered my balance, however, in the last month I have almost paid off the card and also I have signed up for auto payments as to not miss any deadlines. I strongly feel that the company is discriminating against me because I have XXXX. They secretly are screening people to lower their credit limits just based on whether they receive government assistance. My credit score is higher than when I initially received the card from them with a {$650.00} credit limit, and on my credit report I have no late payments. 

I want them to restore my credit limit as I was trying to keep my credit balance to limit to balance ratio below 30 % as to improve my score even more and suddenly they lowered my credit limit therefore increasing my ratio suddenly and without my knowledge. 

I request to have my credit limit set back to {$650.00} or at the very least {$400.00}.
Product: Bank account or service

I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.
Product: Credit card or prepaid card

In most recent response to my CFPB complaint about the fact that Capital One misrepresents the federal laws to the customers by making statements that there exist federal regulations that require Capital One to collect citizenship status of consumers applying for a Capital One credit card Capital One claimed the following ( see attached ) : " Federal law requires that at account opening we obtain and maintain information regarding our customers and their accounts and account relationship. '' This statement does not say anything about federal laws requiring Capital One to collect applicants citizenship information. 

Capital one further states : " Capital One must comply with the requirements of the Bank Secrecy Act, including requirements that Capital One gather information about and verify the identity of accountholders and people who are allowed to engage in activity on accounts. '' The Bank Secrecy Act mentioned by Capital One does NOT have any requirements for Capital One to gather citizenship information of its credit card applicants. 

Capital One further states that " If you would like to understand this law further, there is a lot of publicly available information, including information provided by our primary federal regulator, the Treasury Departments Office of the Comptroller of the Currency. You can find additional information on their website at https : //www.occ.treas.gov/topics/compliancebsa/bsa/index-bsa.html. " None of the publicly available information referred to by Capital One, including the internet resource link Capital One provided, has any information about any federal law requiring Capital One to collect citizenship information of its applicants. 

Capital One in its response to my complaint CFPB Case : XXXX continues to provide misleading statements about the federal regulations and misinforms the public that there are federal regulations that require Capital One to collect citizenship status of consumers applying for a credit card to Capital One.