23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a XXXX XXXX from a person who showed up at my home. I regretted the purchase and the next day delivered my cancellation notice, according to the contract. The company, XXXX and XXXX or XXXX XXXX ( running under two names, Im not sure which is legit ) acknowledged receipt and we were told they would process the cancellation. They never did. According to contract after 10 days my deposit was to be returned, no return. After 20 days, according to contract, I could dispose of the product or keep it with no further obligation. After not hearing anything, on day 20 I contacted the finance company, XXXX XXXX XXXX XXXX, and told them what happened. They confirmed I followed the steps. They finally got a hold of the company, after I contacted them. The company didnt process my cancellation. They disrespected my family and treated us horribly. They sent someone to my home at XXXX at XXXX  with no phone call or anything and then they guy through a fit on my porch when I wouldnt answer the door to give him the product. The company didnt follow the contract and I was nice enough to alert the finance company. They had all the evidence and confirmed that to me we followed the contract. BUT thats when things changed. I told them I was no longer under obligation to give the vacuum back according to contract. XXXX XXXX XXXX then contacted me, told me they'd damage my credit if I didnt give it back. They accused me of lying after we supplied the evidence that we followed the contract. I read the contract and the lady, XXXX, told me she didnt care, she was going to hurt my credit. I did everything I was supposed to do and the finance company threatened me repeatedly, even though I followed the contract and XXXX XXXX XXXX didnt and even admitted they didnt. XXXX XXXX  XXXX and the shady XXXX XXXX XXXX worked together to threaten me and my credit which could affect my employment. XXXX XXXX XXXX XXXX is crooked and people should not do business with that company. I felt defenseless and backed in a corner with no help. I followed the contract stipulations and XXXX XXXX   XXXX did not but XXXX didnt not care and threatened me. I told them if I didnt honor the contract they would hold me to it why were they not taking it up with XXXX for not obeying the contract? She said she didnt care, had nothing else to say to me and that was it, she was going to leave it on my credit. I dont have the time or ability to fight this although I can prove I followed the contract and they broke it. I finally scheduled a time for them to come pick the product up, over a month late after being threatened with my credit, although I had no obligation to since I followed the contract. XXXX XXXX XXXX XXXX is a bad company. I believe they work with this shady company to trap people and then threaten them. The company, XXXX XXXX  XXXX, says their name is XXXX XXXX when all of their receipts and paperwork say XXXX. According to XXXX, XXXX XXXX  XXXX has horrible reviews and shows that it is closed. Very shady business practices.
Product: Checking or savings account

XXXX Re : Navy Federal Credit Union NFCU knows I am a XXXX Veteran. NFCU knows, my information was sold to the dark web. Received calls from NFCU XXXX twice XX/XX/22 at XXXX, XX/XX/22 at XXXX and XX/XX/22 at XXXX. Sent a message via the message center asking why NFCU was calling so much and never leaving a message? I then requested that NFCU only communicate via the message center. Navy Federal Credit Union 's response was " Ms. XXXX. We understand that you would like communication only by eMessage or message center. To process this request, you are welcome to delete your phone number from your profile. Regarding the calls you received, we will be glad to assist you, but we need to learn more. In your reply, please advise how you learned the calls were from Navy Federal. We hope to hear from you very soon. '' What type of employees do you have working at NFCU to provide such an alarming unprofessional response? I am not a debt slave and NFCU already violated the Electronic Fund Transfer Act ( EFTA ) by stealing {$1500.00} out of my account and it was put back in my account after my CFPB complaint. Now NFCU is violating the Telephone Consumer Protection Act ( TCPA ) with masked robocalls.

NFCU violating and harassing members.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
Product: Credit card or prepaid card

I sent a payment for {$20000.00} to Barclays to pay off a card. They informed us they did not receive it and should send another payment. In the meantime, they cashed the first check and applied it to the wrong account, then cashed the second and applied correctly to our account. After numerous calls the acknowledged their mistake and said it would take at least 30 days until they can return the {$20000.00} they mistakenly applied to someone elses account. I cant wait 30 days for a mistake they made, its $ XXXX!!
Product: Debt collection

Ally Auto is reporting negative information on my credit report for an lease for my business which has nothing to do with me personally. They are reporting that I owe for a lease that the car a XXXX XXXXXXXX XXXX XXXX summit reserve was stolen with a police report. They have been reporting this for months even though I contacted them and stated it was stolen. They are refusing to help me get this debt off my credit report and threatened me multiple times they would ruin my personal credit for this when this lease was in my business name XXXX XXXX XXXX XXXX XXXX. They have now reported this negatively on my credit report and lowed my score significantly
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns 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 discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that racking 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Product: Credit reporting or other personal consumer reports

XXXX is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

XXXX XXXX XXXX are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

XXXX is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

XXXX has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you
Product: Vehicle loan or lease

I was contacted by a Toyota Financial employee today through my workplace. She immediately started discussing my laps of payment of {$450.00} ( less than 30 days ) to the person who picked up the phone used by my office. My supervisor was the one who answered the phone and the caller, as stated, immediately started discussing the delinquent payment without verifying who she was speaking with. She only stopped when my supervisor interrupted her asking who she was trying to speak to. My work eligibility is reliant on my credit and take these types of calls especially seriously which is why at the beginning of the loan we asked that Toyota Financial not contact me at work. The reasoning for the late payment was due to it previously being on auto payments through my bank. As my wife deals with most of our finances I mistakenly thought the auto pay was through Toyota. I called to speak to them about this and see why it was not on auto pay. The representative started the call by stating that there were two payments pending in their system, one via web ( which my wife did ) and one via their " app-based '' payment system ( which neither of us have ). At the time I did not know if my wife had made two payments or not so did not question this at that time. We discussed the auto pay where he informed me it wasn't set up through Toyota. As I attempted to end the call he said we weren't " finished '' as I had not yet paid. This was incorrect as we had previously discussed 2 payments were pending. In discussing the issue I had of the other representative calling and speaking to my supervisor he stated that would not have happened. When I explained that regardless, it had occurred, he blamed me for it occurring saying she wouldn't have called if I had paid on time despite being aware that it was a simple technical error. After discussing the calls with my wife I found out she had only made one payment. The account was checked and found to have 2 payments pending. The only payment authorized by us was via the website at XXXX, XX/XX/21 ( today ). I have cancelled the secondary payment but only knew about it due to me calling Toyota Financial a second time. I know it doesn't necessarily have bearing on FTC related complaints, but it is worth noting both representatives were extremely rude in their conducting of each phone call as well.
Product: Checking or savings account

I received notification in the mail at a prior ( my parent 's ) address that my phone, legal address, and mailing address on my Capitol One account had been updated. I do not have a Capital One account and I am a victim of identity fraud. I called to notify the company that I did not make this change nor open any accounts with them recently. They confirmed that a new account had been opened and referred me to their consumer protection department.
Product: Credit reporting or other personal consumer reports

Throughout the course of the past three months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately.

Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

Equifax has failed it's legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective actions, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Vehicle loan or lease

My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. 

GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date.  There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. 

Is there anything I can do about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I received a bill in the mail from this company on XX/XX/03 stating that I owed a dental bill. Before I could call them, they placed it on my credit report, which is illegal. I have 30 days to dispute the bill, which I am disputing the bill but this should not be on my credit report. Also according to FDCPA, section 15 USC 1692g, it is unlawful to place debts on credit reports withhin 30 days of contacting the debtor.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, This is the 3rd request reporting inaccurate accounts that were NOT authorized by me and incorrect names in my report. I am a victim of identity theft and need the accounts incorrect names deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not make any of theses charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my reports from TransUnion, XXXX, and XXXX. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from TransUnion, XXXX, and XXXX from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXX 4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time of my XXXX  someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX {$590.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account I never approved or asked to be added to on XX/XX/XXXX and also Self financial /lead {$720.00} on XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX  on XXXX  Can you please investigate and remove from the report.
Product: Bank account or service

CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.
Product: Vehicle loan or lease

I provided this company with a copy of court order advising them that this debt does not belong to me as the owner of the vehicle XXXX XXXX was ordered to refinance the vehicle and take my name off of it. The owner of this loan/vehicle did not comply with the order and instead of refinancing the vehicle he just failed to make the payments and then wrecked the vehicle and then the insurance company paid the vehicle off. I have made several attempts with the company to advise them on the situation and to get them to correct it. As they are reporting this account negative on my report however the information they are reporting is not an indication of my payment history or habits. The court order was made for XXXX XXXX to refinance the vehicle and I provided the company with information indicating this as well as copy of him indicating this had been done. It was not until this company reported negatively on credit report that I was made aware of this not taking place. I did not receive any notification from the company advising me that the account was delinquent prior to their reporting negatively on my report. I have made several attempts and requests to have the information removed as well as sent in proof of my not being responsible at the time of delinquency in the form of a court order and this company still is reporting incorrect/negative information on my report. I have never received a bill or any notice of this account in any capacity.
Product: Credit reporting

My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX card ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX  ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.