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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.
Product: Credit reporting or other personal consumer reports

experian recently stated that they verified my account with no documentation Subject : Dispute of Charged-Off Account Balance XXXX XXXX Account and TILA Violation Dear CFPB, I am submitting a formal dispute regarding the continued reporting of a balance on my XXXX XXXX account ( Account Number : [ Account Number ] ), which is listed as charged off on my credit report. Despite the charge-off status, the account is still showing an outstanding balance, which I believe is inaccurate and misleading. 
In a previous dispute, I requested proof of validation for this account. However, Experian responded by merely marking the account as " verified '' without providing the required documentation, such as the original contract or proof of authorization to charge me. This lack of proper validation and substantiation of the debt is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also of the Truth in Lending Act ( TILA ), which mandates that all creditors and credit reporting agencies provide accurate, complete, and clear information regarding a consumer 's account status. 
The ongoing reporting of a balance on this charged-off account constitutes an error because the charge-off status indicates that the creditor has closed the account and no further payments are expected. By continuing to report an incorrect balance, Experian is violating the FCRA and TILA, which both require credit reporting to reflect accurate and up-to-date information. This error is negatively impacting my credit report and, consequently, my creditworthiness.

I am requesting that the CFPB intervene and require Experian to conduct a thorough investigation into this matter. Specifically, I request that the outstanding balance be removed if it can not be properly validated or substantiated. I also ask for confirmation that the investigation complies with the provisions of the FCRA and TILA.

Please provide me with a detailed explanation of the investigation process and any findings. Should additional documentation or clarification be required, I am happy to provide it to facilitate a resolution. 
Thank you for your attention to this matter. I look forward to a timely and fair resolution of this dispute in compliance with the relevant consumer protection laws.
Product: Credit card

XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX  XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXX Gift Card XXXX Details - attempt to receive original order XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - only attempt to receive original order XX/XX/XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX Details -original order, XXXX not received XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - original order not received We used our rewards points on XXXX for XXXX XXXX and XXXX XXXX  and were deducted XXXX and XXXX points. All of the cards were not received. Each attempt ( call or chat ) was treated as an additional use of rewards points for additional cards. Ultimately, the original ordered gift cards were received but not ones listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Those were not orders of cards just attempts to correct issues. We are owed XXXX points and Barclay clearly doesn't want to correct the issue or are incompetent.
Product: Credit reporting or other personal consumer reports

XXXX Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX MACYS/DSNB Closed and paid XX/XX/XXXX XXXX  Closed account charge off XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have been getting a call from someone claiming to be from Citibank the last two days from # XXXX. I have never applied for any credit from this bank. The messages they are leaving on my voicemail is that " in order to process your request we need additional information, please call us at XXXX, we are open 7 to midnight EST and if you could use the following reference number XXXX when you return our call and again this is Citibank calling, thank you and have a great day. ''. when you call that XXXX number it claims to be a banking center with two options and than asks for your SS #. I called CitiBANK getting there phone number from the internet and they have no record of me applying for credit or having an existing account. I think this is a fraud call.
Product: Money transfer, virtual currency, or money service

I want to express my concerns with using zelle.I have had problems with zelle allowing my money to go to scammers. Repeat offenders should not be able to use the app leaving consumers accesible to exploitation and data security risk.
Product: Debt collection

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 To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX $ This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

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

Jefferson Capital Systems. Keeps attaching things to my credit saying I owe a debt with them. Which damaging my credit. I owe no debt to this company. Identity theft is involved. I gave no consent to use my social security number. Or my estate or trust property. I will be sending the company an invoice for the violations of theft against my trust and estate property and if the invoice is not paid in 3 days I will put an XXXX XXXX XXXX against the company until the debt is paid.
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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the month of XX/XX/2023 should be updated to " paid as agreed and never late ''.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX I went to my local XXXX NJ branch of PNC Bank to open a joint account with my brother and sister in law who were both visiting from XXXX. I have a 30+ year relationship with this bank having joined with my spouse in XXXX of XXXX. My XXXX adult daughters also hold accounts in the same branch. 

At no time was I ever given any indication that there would be problems with the account. Indeed, that day, we deposited {$5000.00} into it. On XX/XX/XXXX, I received a letter from the bank indicating the account had been closed. No explanation given. 

I have called the indicated number. The bank does not answer the line with a live person. In fact, they do not return calls. So I wrote a letter which I will attach. 

Today, I have received a phone call. Pure and simple, it is what I expected : the bank has the right to close your account at any time and for whatever reason " just the same way you can close your account at any time and for whatever reason ''. 

I find this disappointing and also, a poor commercial practice. For one month the bank was happy to keep our money until they decided, for an unknown reason, to sever the relationship. We could have and probably will select another bank that can cater to our situation ( e.g., a US citizen that wishes to open a joint account with non-resident relatives ). 

The only account closed was the joint account with my brother and sister in law. I suspect there is nothing in the law that can help me redress with the bank but I wish to nonetheless file notice with CFPB this is one problem that needs to be fixed. At the very least, banks should be able to explain why the took action to close and also, they should be able to explain their policies for opening accounts with non-residents.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been applied to my account. Despite having sufficient funds at the time transactions were authorized, I was charged fees due to delays in the posting of charges and credits. This situation mirrors the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions were processed in a manner that resulted in insufficient balances, despite initial availability of funds. I believe these practices are unfair, and I request a thorough investigation into the transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

S
tep 1 : What is this complaint about? Regarding recent Equifax security breach. Step 2 : What type of problem are you having? My name/SSN is on the list of potential victims impacted. Step 3 : What happened? Equifax reported " cyberattack '' /security breach. Equifax created website to check if name/SSN is or is not a potential victim. Upon checking my information comes back as potentially impacted. Step 4 : What company is this complaint about? Equifax. Step 5 : Who are the people involved? Myself ( & 143 million Americans ).
Product: Debt collection

I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX   has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Debt collection

I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.
Product: Payday loan, title loan, or personal loan

I took out a payday loan for real I recall maybe three I kept getting harassing emails that I was going to go to jail if I didnt pay right now Im paying a total of 11 loans every two weeks ranging from $ 100-  {$50.00} I want to know is there a way I could find out how many loans I have outstanding as I dont Recall and in drowning in debt I have a husband is disabled and I cant remember ever having 10 loans please assist if you can
Product: Credit reporting or other personal consumer reports

am formally disputing fraudulent charges reported by XXXX  XXXX XXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX XXXXXXXX XXXX XXXX a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 2. The name and contact details of the entity that verified the disputed charges. 3. Copies of any documentation relied upon for verification. If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Enclosed, I have included copies of police report. Please provide your response in writing. Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of having my information released to the public via the XXXX XXXX XXXX as well as the XXXX XXXX XXXX. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital management service is try to collect my debt and they keep call and I spoken XXXX XXXX already
Product: Checking or savings account

My sister made a deposits to her accounts via phone on Monday XXXX XXXX to her personal checking account. Since then her account, my mothers, my mothers boyfriend account and my own account have been frozen! I cant make deposits, make payments or anything related to my account, its frozen!! How can they do this? If there was an issue the Chase bank should have frozen the deposit but not the whole account and not other accounts that have nothing to do with each other but being family members!! 
Today we are a chase bank branch. They have told us they need to verify the checks. Ok, we asked them to tell us what checks need to verify so we can contact them and have them verify. But chase is making mistakes with phone numbers and checks. As in, they call one number and ask for the wrong person! Ok, we asked what else can be done. They said to stop the checks. So we told them people to stop the checks. But they money has already been taken out of their accounts so they cant seem to stop the checks. We can not wait 10 days without access to our accounts! I need to pay bills, buy groceries, pay for my girls school and It didnt even involve my account!!! Why is my account frozen??