23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been having issues since XX/XX/year> with Ally Bank in properly applying payments to my account. They either misapply or apply partial payment, sometimes reallocating to lates fees that they were supposed to remove because they failed in agreeing to allow me to skip a payment in XXXX XXXX. Sometimes they state they never received a payment even though I have my bank records and Ally 's print out showing I made the payments. I have another auto loan w/ XXXX XXXX XXXX and have no issues at all. They apply my payments properly even if I make them early. I've had car loans most of my life and never have experienced this level of frustration in trying to give someone money. Because of their continued ineptitude they also report to credit agencies that I'm late but am not. Over the years I've talked to their first line customer service, to supervisors to no avail. I've asked for escalation but was told they couldn't escalate. I need this issued resolved, for I can not continue to take my time each month to solve their issues. This has been a huge waste of my time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  report a late payment on XXXX, XXXX  on my Individual Credit hurting my score ; I call them an explained that I made the payment on XX/XX/year>, they stated that I will need a proof of the payment, so I faxed the bank account from where the payment was sent by fax ; however, now they are denying that they received the fax, and still hurting my credit due to their lies and incompetence. 
They do nothing for the costumers, but when they have any opportunity they will hurt your finances. This bank is not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX, Dpt EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

When I first applied for the loan the manager talked about everything but the details of the loan. She also mentioned she meets people at the store to purchase stolen property. I called in XXXX before I was 30 days late and tried to pay the past due balance and she told me they don't accept partial payment and I had to pay the whole amount. Today XX/XX/2021 My manager gets a call from the store manager stating she was calling in regards to her employee and she needed to talk to her in regards to legal action. Which was a threat. They should not be displaying my personal info and did not follow the rules of the FDCPA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies my XXXX XXXX in 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: Debt collection

I received a letter in the mail from this company XXXX XXXX XXXX in regards to an alleged obligation. I am sending a notice delivered in accordance with the Fair Debt Collection Practices Act 15 USC 1692g, noting reference/account # XXXX claim is contested and validation is required.
Product: Student loan

I am getting emails for XXXX, who I am assuming is my mother. I have never had an account with Nelnet and do not have any federal student loans.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/XXXX - {$7800.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.
Product: Money transfer, virtual currency, or money service

I had filed a complaint with a Chime representative over the phone on XX/XX/XXXX after successfully getting back into my account with the help of a Chime representative who helped me reset my credentials and fix my email, I was able to recover safely from situation an involving a fraud situation where someone had unauthorized access to my Chime account and they were able to send themselves {$4500.00}. A claim was filed through chime and I had also filed a police report. Chime had notified me that my dispute would be resolved by XX/XX/2024. It is now XX/XX/2024 which is after the given resolution date and 127 days in total for this case. I have called chime numerous times and was told each time that they would escalate my case, yet it is still unresolved. I have not heard any updates about my case and I have not received any response to my emails about what is happening with my case. On the phone, I was told by a manager that my case was actually being put into a queue after it was already reviewed to allow for other cases to be resolved but was not given a reason as to why my case is being prolonged.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This FIRST CREDIT SERVICES account with a balance of {$220.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit card

Hello, I paid off my balance of XXXX on Friday XX/XX/XXXX. I called and canceled the account a few days later. I received a notice to see how they calculated {$28.00} of interest on a balance of just XXXX days and they could not explain it. I asked them to send me the information about how they calculated it, and they could not explain. So, I asked them to explain it, they could not. They sent me a previous statement. 

This morning they DEDUCTED {$200.00} from my account even though I closed the account. I am on the phone with a representativ at XXXX am in the morning and he can't even see how it is set up because the account is canceled. 

While people who work for Bank of America are great, this company is NOT consumer friendly. I cancelled the card because the ridiculous interest rates were going to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Per federal mandates and germane state instructions, no organization can report impudent info if divagated from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting requisites must be adhered to. This is particularly relevant in the case of an infraction when a reporter ( XXXX ) and/or any accepting repository ( ies ) act willfully NON-COMPLIANTLY or with seeming negligent ignorance, or even with reckless abandon, in relation to expectations and actual credit reporting behaviors. 

Failure to adhere to established credit reporting standards does NOT necessarily lead to factually erroneous or incomplete accusations being allowed to report regretfully and unfairly against a consumer. However, it is irrefutable that the very intent of industry standards is to better afford participants the capability and competency to function in the greatest accordance with obligations compliantly. 

Hence, the XXXX  own XXXX manual establishes the requirements for claiming consumer record ( XXXX ), within the supposed-to-be-enforced XXXX XXXX Data-filled Field Formatted reporting standard ( XXXX ). There can be no veering from these standards without discrediting the honesty, let alone the correctness, of questionable assertions made by any reporter and allowed by any repository of consumer credit data. 

It is the paucity of provable integrity that lays the foundation for a potentially injured consumer to be concerned about any claim ( XXXX ) XXXX questionable dossier ( XXXX ), which lack certainty of fact ( XXXX ). For this reason, and others defined further below, I DEMAND THAT YOU perform to DISMISS NOW AND PERPETUALLY this currently inadequately reported accusation ( XXXX ). This includes inept reporting due to reporter failure to satisfy the privilege to report or any involved body of declarations that failed to navigate through and beyond the summons to contest claims report-ability. 

I require document evidence demonstrating that factual, certifiable, correct reporting procedures, prices, and standards were and are now still absolutely abiding by and in full harmony with the requirements that MUST have been obeyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX This is my FINAL WRITTEN REQUEST that you immediately remove all unverified accounts from my credit report. All accounts that are " verified '' I need the chain of custody and information of every involved in the verification process. These accounts listed on the attached dispute letters that remain on my credit report are in violation of 15 USC Section 1681.

Repeat failure to obey the law will result in judicial intervention, subjecting your company to damages under the FCRA, including but not limited to actual damages, consequential damages, attorney 's fees and interest.

UNVERIFIED ACCOUNTS STILL REMAIN ON MY REPORT, meaning that precise NOT properly veracious CORRECT entire VALIDATED and CERTIFIABLY COMPLIANT REPORTING claims are listed upon my credit profile in violation of REQUISITES of regulatory reporting laws and standards of reporting, particularly in relation to considerations of the FCRA and FDCPA laws and the mandatory perfect and outright METRO 2 formatted reporting standard ( s ) for compliance!!! This is a violation of Federal Law. Case law is clear, you may NOT PARROT info received from an account holder via phone call, computer email or log, E-Oscar, etc., to verify any account you are reporting on. Nor is it my responsibility to verify the account!

In clarity, THE CRA 'S personally have PHYSICAL possession of the documents, IN THEIR OWN FILE, to verify the truth, the correctness, the completeness, the validity of, and the certified compliance of reporting of the accused derogatory item ( s ) of reporting, be it bona fide or not. Your failure to provide me same as requested, in violation of the law, is clear evidence that the account is truly unverified, therefore NOT tractably recorded in vile infraction of law and my consumer right ( s ).

Your failure, therefore, to remove the unverified accounts is a willful violation of the fair Credit Reporting Act Section 616. You are required under Section 611 ( 5 ) ( A ) of the Credit Reporting Act to promptly edit out all information that is not properly verified. If you do not have the documentation in your own PHYSICAL possession, the item accused is factually UNVERIFIED, and in such as well not undoubtable inarguable appropriate, correct, valid and certified compliantly rumored.

YOU ARE NOW IN OPEN VIOLATION OF 15 USC 1681N & O!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted [ CREDIT BUREAU NAME ] regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX Dear Capital One, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX XXXX XXXX XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations.

I should not receive any other piece of mail from any non affiliates or third parties.

Thank you for your time and cooperation. 

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

I have student loans from XXXX XXXX XXXX and from states outside PA on my report. I have contacted these agencies and confirmed I do not have loans with them. I reported this to Equifax twice and they continue to say these loans belong to me and they do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.
Product: Debt collection

Since I saw this complaint from XXXX/XXXX  I started sending communications to them soliciting the removal of the adverse information. I request them to provide with original documentation or details about the amount showed as a debit. They never provide with that info.

Later another company appears collecting the same debit for {$560.00}. I did return all of the equipment 's to the cable company. Regardless that fact. cable company still collecting those equipment 's after a couple of years of being returned.

I did contact IC Systems as well, and every time I contacted them, they just said " verified '' and change the dates of account opened to the date I've contacted them.

I have contacted them over 10 times with negative results.

I would like to have an auditing company or someone from upper levels to take this into consideration. I would like to see original documents where shows amounts owed " according to them ''. I feel abused for this company IC Systems and completely ignored in my requests.