23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed that this an unknown collection company is reporting in my consume credit file. 
I am contacting you about the compromising of my Social Security Number I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed a FTC Report XXXX : XXXX which is attached. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was past due on my loan from XXXX. But on XX/XX/XXXX I made a payment on their website for {$170.00} for XXXX. Then I called and asked for the payment deferment for the past due balance. The deferment would bring my account current and break the past due as an add on to the next month payments. I also chose an option to skip an XXXX payment. My payments would restart on XXXX XXXX. 
The recent credit report pulled is NOT showing current. It shows past due for 4 months INCLUDING XXXX. It doesnt show the note of deferred payment neither it shows that I made {$170.00} payment. In addition when I called them, they would not release any information to me and the representative had no idea what kind of payment I made. She kept saying that my account is current. It is under their own investigation and the XXXX report WILL reflect the change. 
Please listen to their recording as well.
Product: Credit card or prepaid card

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/2022. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF which I attached to previous complaint. 

On XX/XX/2022, and XX/XX/2022, I sent Capital One the letters with the information they requested, but on XX/XX/2022, in the response to the CFPB complaint Capital One said that they have not received it. I believe that Capital One refused to resolve the dispute by claiming not receiving the document I sent. So today, XX/XX/2022, I again sent Capital One the XXXX resubmittal of the information they have requested. Also I attached the letters to this CFPB complaint portal ( please see attachment )
Product: Vehicle loan or lease

My name is XXXX XXXX, I recently applied for a car online at XXXX XXXX car dealership located in XXXX, tx. On XX/XX/XXXX I got a phone call that I was approved after sending all my documents need to their employee, XXXX. When I got there I was under the impression I had been approved for an XXXX XXXX but she had set me up with a completely different car. It was can 2011 red XXXX XXXX, but since I was having a hard time getting approved anywhere I went ahead and agreed. XXXX, had also told me told me she to needed 3 more cars to make her monthly sales and it was close to the last day of the month. I wasn't aloud to test drive or look inside the vehicle because they said the mechanic accidentally took the keys home with him. I agreed to a down payment of {$400.00} which I made 4 days later. We completed, signed, and recorded all the paper work needed and I left there with a loaner car that day and had it for about a week before they met me off the highway in XXXX XXXX, Texas. The car low tired pressure light was on as soon as I got in the vehicle. I called the leader that approved me, AMERICAN CREDIT ACCEPTANCE, to figure out how I make payments and they told me they need some more info from me for proof of employment so I sent all the necessary documents and they approved them, they told me to consult with the dealership about anything else. So I got in contact with XXXX and she told me I had to bring the car back on XX/XX/XXXX so I asked if I would get refunded my down payment and she told me yes if I brought it back that day they told me they could cut me a check. When I arrived there was no check and the finance dept had already left that day.Eventhough I had told her earlier when they were that I was coming but I has to drive 50 miles to get there. So we agreed to have it refunded back to the card the payment was made from, 2 days later after taking the car back. It has now been 2 weeks and the {$400.00} has still not been refunded after calling them several times. I have all the paperwork from the signed contract that stated I would a monthly payment of {$260.00} and that was approved. I am a single mom with 2 toddlers that have special needs and lives with my handicapped XXXX year old grandmother and feel like they have taken advantage of me. If someone could please help me get this situation resolved so maybe I can have a way to take care of my children and grandma and make sure they get the help they need as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : 1. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
2. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation. 

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

ON XXXX 2023 Capital one credit card charged me a XXXX fee for my account and then sent me a card that was never activated. The company never notified me of the card or to even activate the card. I called them and they told me the card is not attached to the account so even if I activated or did not activate the card I still have to pay fee 's. I do not even have this account a year and they will not reimburse me, for a card I never used or activated. I also had rewards of XXXX and they kept that as well. 
I spoke with XXXX XXXX supervisor from out of the country and then she switched me to XXXX who stated she was from the united states. From her own statement she said was trying to say the card is not attached to the account which makes not sense. No text no email that a card was sent out. But, they sent out text that your statments are ready. This makes not sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b.

They have failed to send debt validation/Audit Trail.

Im aware that they are using an automated system, such as EOSCAR to respond and are not investigating the issue in GOOD FAITH.

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency.

Attachment below is PROOF that alleged debt is invalid because it was PAID!
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

List of accounts that must be removed according to the law XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have XXXX inquiries on my credit report that need to be removed according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will file a lawsuit in federal court if my federal rights are violated by Equifax
Product: Checking or savings account

Hello, my name is XXXX XXXX last XXXX social : XXXX. 

Since I started working at XXXX on XX/XX/2023 I have been victim of identity theft. I found out the cause that we are all required to bring our stuff in a clear backpack just as mine that I will attach a picture here. There have been a lot of fraudulent transaction on my cards. I used to have the temporary card printed inside my wallet. Also my XXXX XXXX card was compromised but they refunded my money back right away. There have been fraudulent transaction from a company called XXXX. They have withdrew over $ XXXX out of my account and I need my money back immediately. XXXX is coming and I have XXXX son and a family to provide food and gifts. And it is a very hard time to get scammed like these and to have to wait over 45 days and those scammers running away with my hard earned money that I need to load over XXXX boxes per day to get pay. I will move all my money and direct deposit from chime to XXXX because they did take care immediately of a loyal customer like me. I will also report this to the police and local lawyer so we will take you guys to court to fix all these fraudulent transactions on my account and the previous ones you guys denied and sided with the scammers. I need this fixed before Saturday or will report to all social medias, news, and small claim courts. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to US BANK for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

Contacting people and harrasing them about XXXX XXXX like the police because they are associating an old address with the person they are trying to collect a debt from. harassing non-related people. very aggressive. also calling from an XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I first reached out to XXXX, XXXX and Experian XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.
Product: Bank account or service

RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and as a result, my personal information has been used without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$7000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$760.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$430.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer. 
These are the accounts that's inaccurate XXXX XXXX XXXX, Account Number : XXXX Amount : {$610.00} and XXXX XXXX XXXX, Account Number : XXXX Amount : {$900.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I called Truist Bank and requested a 10 day payoff amount to pay off my car loan. I was quoted {$3300.00} as the balance owed. I paid that amount on the XXXX to payoff my auto loan as I made agreement to sell my car privately. I was told by the bank that they hold the title for 7 days and then its 12-15 days after to receive the title. 

I called the bank on XX/XX/XXXX and advised that I had not yet received title. I was told by the person I talked to that I should be receiving title at the latest middle of next week. 

Today I called the bank again because I have not received any documentation regarding paying off my car loan, no statements, no payoff letter, no lien release, no nothing. I spoke with two supervisors who refused to give me any of that information. They all said it would take another 20-22 days to get a payoff letter. I told them this is unreasonable as I paid the loan off on the XXXX of XXXX. I was told by a supervisor that there was an interest error that occurred at the time of payoff and that they decided to fix it on XX/XX/XXXX. This means they sat and waited on following their company procedures to release title until the very last minute and even beyond the expected wait times. I was then told that I have to wait another 12-15 days to get the title from XX/XX/XXXX and then I have to wait XXXX days from today to receive the lien release. This is absolutely unbelievable as I have now lost the ability to sell my car and have lost {$8000.00} I was expecting to have. 

Truist Bank is a lying financial institution that has caused me financial harm by delaying the release of lien and title beyond their company policies and timelines. They are also required by New Hampshire state law to release the lien after payoff within 10 days from the date the loan was paid off. I intend on filing a small claims lawsuit against the company for damages due to their inability to provide me documentation at the time of paying off my loan, release of lien, and title within a reasonable amount of time. I will also be filing a complaint with the better business burearu as well as these actions can and have caused financial harm to me the consumer. They should be held accountable for this egregious and poor service in the finance industry. 

Refusing to provide documents at a loan payoff in a reasonable amount of time is sneaky and shady and illegal. They took my money and lied about timelines and expectations ever since. I will NEVER be using this bank again for any loan purposes.
Product: Credit card

Closed my costco anywhere citi card but i still owe money on it. I'm on a payment plan so that's settled. Thing is I can't remember my card number now and i need that to reset my password for online account access. They won't let me use any other forms of identification to reset it or simply just send a password reset to the email i have on file so at the moment i'm unable to see my account balance, make additional payments or fix any other payment issues that may pop up.
Product: Debt collection

Midland Credit Management has continued to harass. They are sending threats to default and that is not necessary because we are set to go to court in the fall of 2025.The judge set a date for us to go back to court because I wasnt properly served by them. I went to the courthouse because theyve sent me several of letters in the mail while we are awaiting to see a judge, and the clerk explained that they should not be sending any letters in the mail because we are waiting to be heard by a judge. I am overwhelmed with the amount of harassment I am getting from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both XXXX and Equfiax aski

ng for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from XXXX  and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned about my poor credit in XXXX or XXXX. I began my credit repair journey by hiring a credit repair company, XXXX. After a few months of using their service, I realized I could no longer afford to pay their fees and discontinued their services. In XXXX, I learned that I could work on repairing my credit myself and have been working diligently to do so. 

However, the credit reporting company LVNV Funding has made my journey a bit difficult. In XXXX of XXXX, I sent my first letter to LVNV Funding asking for validation of my debt as made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In XXXX of XXXX, I received a letter back stating that " information responsive to this matter has been previously sent '' and that they " will not continue to respond to duplicative requests without additional information. '' As I have not received any correspondence directly from them to my current address, besides this letter, I am not sure what information I need to send to them to provide the additional context they are needing from me. 

In XX/XX/XXXX, I sent another letter requesting validation of the debt and received a copy of the first letter in XX/XX/XXXX. At this point, I am attempting to resolve this bad debt in good faith, but have not been able to validate that this debt is indeed mine. I have attached all correspondence between LVNV Funding and myself for your review.