23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by someone who name is either XXXX or XXXX I think not sure but she say she is with D2 management and they have an old debt for me from 2015 that was through my bridge provider. I just want to know if its a valid debt because its too many scams going around. They say I owe {$600.00}. Then told me I only had a 7 day grace period to pay or setup a pay plan and they still cant guarantee my file will be in office in 7 days. When I asked for an address all she said was look it up they are XXXX  accredited and information should come up about them online. Even if I do look it up that doesnt mean its the real company calling so I s, wanting to just verify this is real debt.
Product: Payday loan, title loan, personal loan, or advance loan

Moneylion/XXXX has been providing credit builder plus loans to their members based on charging a $ XXXX fee They advertise that once you pay off the loan you can immediately re-apply and re-borrow. 

On XXXX I made a monthly payment of {$83.00} and a payoff amount of {$400.00} based on the advertising of re-borrowing. I was unable and through multiple requests I was notified they changed their policy and no longer allow their own bank account to be used for this service, I requested updated verbiage and advised they advertise the previous. They refused to help. When I advised I needed to have the {$400.00} refunded because I paid it off under false advertising they advised the payment was valid and are refusing to refund the pay off amount and have refused to acknowledge their advertising as attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1976, 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 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 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 XXXX 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: Student loan

I previously applied for autopay and now loan XXXX is REMOVED from autopay and I had to REAPPLY on XXXX, see original response from Aidvantage that confirmed all loans were in autopay : Per your request, we have reviewed your account and confirmed your initial Auto Pay application from XX/XX/2023 was processed on loan XXXX only, which was in its own billing group, and not on the remaining loans. On XX/XX/2023 you called and spoke with an agent after submitting a second request to be enrolled in Auto Pay. The agent confirmed your Auto Pay was due to be processed prior to your first monthly payment due date on XX/XX/2023. We have confirmed that all your loans were enrolled in Auto Pay on XX/XX/2023. We have updated the 0.25 percent interest rate reduction incentive to be effective XX/XX/2023, the date the original application was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : - XXXX CO DA XXXX Balance : {$0.00} DEPARTMENT OF CHILD XXXX Balance : {$940.00} DEPARTMENT OF CHILD XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  bank I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Transunion to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following account is not mine, I did not open it, and I am not a debtor : XXXX XXXX XXXX ( XXXX ).
Product: Checking or savings account

They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do. 

Even though they say the check has been sent the money shows in the account and I never receive anything. 

I email regularly agreeing to may what ever fees they want me to, I just want my money.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ; Transunion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I submitted an online application for a secured credit card through US bank. Application required checking account and routing numbers in order to complete application. After submitting the application the site informed me that I was not approved for a card at that time and would be sent a letter in 7-10 business days explaining why. Roughly 6 weeks later in XXXX XXXX {$300.00} was withdrawn from my bank account to US Bank for the deposit with no notification of a new secured card account opened. I immediately Contacted US Bank to close the account and issue a full refund of {$300.00}, as I was not aware of any approval on my application. US Bank refused to do either. Was told I had to wait a minimum of 60 days to ensure there was no activity on the account. The account has since been closed due to overdue balance on a card that was never activated and account was never used. I was charged an annual fee along with late fees and interest. That 60 day wait was to charge fees and interest on an account that should NOT have been opened in the first place! They are now requesting an additional payment of {$110.00} in order to issue a refund. They are now negatively reporting to the credit bureaus after stealing not only my {$300.00}. But now want an extra {$110.00}! After multiple calls made to US Bank this has still not been resolved. I just want my {$300.00} back and all negative marks removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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. ''
Product: Debt collection

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
Company Name : Wells Fargo, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name XXXX XXXX XXXX XXXX ( original Creditor XXXX XXXX  ), the account was last updated in the sum of {$540.00} on XX/XX/2021.
Product: Debt collection

On Thursday XX/XX/2021 at approximately XXXX hours I was contacted by a female who claimed to be an investigator with XXXX County ( the current county where I reside ). She claimed that she had been to my residence to obtain a signature on documents that are being filed with the Court which include criminal charges. She refused to provide her name or give me any specifics but instead transfered me to another individual. This individual gave me his name which is XXXX XXXX who claims he is with a company names XXXX. Mr. XXXX told me that they were contacting me regarding a defaulted loan that was taken out by me from a company called Check n Go. They claim at the time I was banking with a bank by the name of XXXX XXXX. I do not recognize the loan company nor the bank they say this was drawn on. I told Mr. XXXX I had no known knowledge of this debt and he suggested identity fraud but told me the simplest way to rectify this would be to pay him {$510.00} today which is the original loan amount of {$350.00} plus the agreed repayment amount. He said if not paid that they would file the charges against me for attempting to defraud a financial organization and several other charges. Mr. XXXX also stated that if he did not get my signature on documents he had that there would be a warrant issued for my arrest. Mr. XXXX gave me the contact information for his company with a direct extension to reach him back I will include this below. 
Collection Company : XXXX Phone : XXXX ext. XXXX Case Number : XXXX Company they claim they are collecting for Name : CNG ( check n go ) Loan amount : {$350.00} Payback amount : {$510.00} My contact information XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Ive attempted to send a digital dispute to XXXX regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. XXXX XXXX  website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

My application was denied for the AAdvantage Platinum Select card, and I would like my application reconsidered. I have contacted Citi and they seem to say that they are unable to overturn applications, which I find hard to believe. The only reason for denial is Limited credit history. However, the rest of my credit is phenomenal and I dont believe over one year of credit history is limited.
Product: Money transfer, virtual currency, or money service

The zelle app wasn't able to stop transactions or replace money that was sent to wrong person.
Product: Credit card

My XXXX credit card issued by Synchrony Bank was closed on XX/XX/year> overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a manger XXXX from the XXXX  told me the bank forfeited my {$290.00} cash back and that makes perfect sense.
Product: Debt collection

I was reviewing my credit report and this medical debt was on my credit report.
I have not been to the Dr or hospital to have any debts reported on my credit report.
I have not been notified or any bills regarding past due balances or debts owed.
This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect.
I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling.
I want this removed from all 3 credit bureaus on my credit report.
Product: Debt collection

I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns. Regarding the handling of Zelle transfers and disputes. particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's 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 card

I am filing this complaint against Capital One due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : XXXX. Lack of Initial Privacy Notice : According to 15 U.S. Code 6803, [ Company Name ] is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with [ Company Name ]. 

XXXX. Violation of Federal Privacy Laws : The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

XXXX. Improper Information Sharing : Due to the lack of the required privacy notice, I was not informed about Capital One 's policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section XXXX ( XXXX ). As a result, Captial One has shared my personal information without providing me with adequate notice.
Product: Vehicle loan or lease

I was denied for a vehicle loan with America First. I I wanted to use my application as collateral for the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name variations on my consumer report if it is it is incorrect and should be deleted immediately. My address is XXXX XXXX XXXX XXXX, IL XXXX any other address is not correct and causing me not to have my mail delivered in a timely fashion due to the numerous incorrect addresses on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX was claims of debt owed ; however, no mention of interest that should be accruing to the balance owed. original creditor overpaid time without notification when no claims were requested for the time paid.