23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX, XXXX, and Equifax Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Product: Vehicle loan or lease

I purchased a vehicle with VIN # ending in XXXX from XXXX and opted for financing through Bridgecrest. 
My very first payment was due on XX/XX/2021 which was paid via card online on XX/XX/2021. On XX/XX/2021, I received an email stating that I'd missed my payment. I immediately made contact with Bridgecrest via text message. The representative informed me that my payment had been applied to " my previous account ''. I informed her I only had one account. She stated that her manager would be applying the payment accordingly on said date and apologized for the inconvenience. That was an hour long ordeal. As such, I continued to check my account daily and there were no updates. But I was not getting anymore emails and notifications so I presumed it was in process. Then on XX/XX/2021, I received a letter via USPS mail entitled " Notice of Right to Cure and Intent to Repossess '' and dated XX/XX/2021. This letter was demanding payment of the past due amount by XX/XX/2021. I immediately called Bridgecrest and asked for the contact information for their general counsel office. I was told that their General Counsel does not converse with customers. I let her know I didn't want to converse with them either. I just needed to have my attorney send them their paperwork. This representative also made mention of " the other account ''. But she added that it existed because I'd originally had a different vehicle ( same make and model ... different VIN ... which I swapped out for the vehicle currently in my possession ) from XXXX. I informed her that the payment for that vehicle was a totally different amount AND I never signed up for Bridgecrest until long after the swap took place. She claimed to be escalating my call to someone who could assist. The next individual verified all that is stated above and said she needed to contact yet another department and would return my call that day. I still have not heard from anyone and my payment remains misapplied. The current acct # ends in XXXX and is reflecting as past due. The payment was applied to acct ending in XXXX  and was the sole account available on XX/XX/2021. The {$540.00} payment was made, they got their money, and now they want the property back when they have no grounds? Bridgecrest and XXXX are a fraudulent union and need to be investigated from the date they were incorporated.
Product: Debt collection

There is a charge off account on my XXXX XXXX and XXXX credit report and I have not received any verification or information regarding this account that is in my name.
Product: Credit card or prepaid card

On XX/XX/23 at XXXX AM EST, I received a notification from Capital One indicating that my Platinum credit card was over its {$20000.00} limit due to a charge for {$20000.00} to the merchant XXXX XXXX dba Hawk Marketplace Giftcard. I immediately called Capital One to notify them that the transaction was unauthorized and fraudulent. Capital One indicated that my card would be cancelled and a new card would be sent to me and that I would be temporarily credited in the amount of the disputed charge while the fraud investigation took place. Despite the unusual amount and timing of the charge, Capital One approved the charge without requesting any secondary authorization from me, as was their typical practice when unusual transactions were attempted. After speaking with Capital One, a second charge for {$20000.00} to XXXX XXXX was attempted and apparently posted to my account. On XX/XX/23 I received a letter ( see attached ) from Capital One indicating, inter alia, that for disputed charges made less than 180 days ago, my account would be credited for the unauthorized charges while the investigation was conducted. Despite this, my account had not been credited. On XX/XX/23 I called Capital One to request information regarding when my account would be credited so that I could use my card during the investigation. I was informed by a Capital One XXXX that I could expect the account to be credited within 72 hours or by XX/XX/23. After the call my account changed to show a " purchase adjustment '' for {$20000.00} credit back to my account, yet my available credit remained at {$0.00}. On XX/XX/23 I called Capital One to ask again when I could expect my credit to become available to me again. The manager I spoke to, XXXX, indicated that I would not be given any available credit while the fraud investigation was ongoing, which could take up to 90 days. I expressed to XXXX my reliance on the credit card to transact my daily life, including paying bills and purchasing prescriptions. Additionally, I noted that the Capital One website indicates that " A temporary credit will typically be granted within XXXX business days so that you have use of the funds while the investigation is ongoing. '' https : //www.capitalone.com/help-center/fraud-disputes/get-refund-for-claim/ I also indicated that the Capital One manager that I had spoke to on XX/XX/23 had represented the same to me and that I would have use of the temporary credit by XX/XX/23, and that I had relied on those representations by Capital One. Nevertheless, XXXX indicated that I would not be given available credit and would have to wait until resolution of the fraud investigation. Credit card issuers such as Capital One should be open and transparent with their consumers and the disparity between the Capital One website, verbal representations made to me, and Capital One policy is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to freedom debt relief after paying my credit cards half on my cards and even paying some in full only to find out my estrand husband ran all my credit cards up behind my back so i reach out to freedom debt relief was in program 21 months they took XXXX dollars from me only to find out they had done nothing but. took my money my check started get garnish i started getting judgements now im about to be homless
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1995 Dear CFPB, I am writing to bring to your attention several violations of federal credit reporting laws and regulations that have profoundly affected my life and financial well-being. I kindly request your intervention and enforcement of my legal rights in this matter. 

Violation 3 : Duplicate Reporting - DPT TREASURY ( Account Number : XXXX ) Violation of FCRA : Section 1681s-2 : Responsibilities of furnishers of credit information. 
I have never had any business relationship with DPT TREASURY, and there is no way that this account belongs to me. This unknown account has been erroneously reported on my credit report, causing significant distress and affecting my financial reputation. 

I implore the CFPB to understand the personal toll these violations have taken on my life. The impact is not merely financial ; it extends to my ability to provide a stable and secure future for my family. I have endured countless sleepless nights, endless stress, and the emotional burden of not being able to achieve my financial goals due to these violations. 

The uncertainty and hardship I face have strained my relationships, affected my mental health, and led to moments of despair. The weight of these inaccuracies on my credit report feels unbearable, and I am reaching out to you, the CFPB, as my last hope for justice. 

I beseech the CFPB to enforce the legal rights and protections afforded to consumers like me under the Fair Credit Reporting Act ( FCRA ) and related regulations. I respectfully request that you investigate these violations promptly and take the necessary actions to compel the creditors in question to : Remove the unverified accounts from my credit report.

Correct any inaccuracies and ensure the accurate reporting of my credit information. 
Provide evidence of their compliance with the FCRA and related laws. 
I thank you for your attention to this matter and your dedication to ensuring fairness in the consumer credit reporting system. I eagerly await your response and hope that it brings the resolution I so desperately need to rebuild my life and secure a brighter future for my family. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.
Product: Debt collection

Been trying to get this situation fix and removed from my credit report. They took the car and resold it fast without my knowledge and understanding.
Product: Payday loan, title loan, personal loan, or advance loan

I went into Wells Fargo, XX/XX/year>XXXX and attempted to cash in a promissory note that I created for XXXX. This is 100 percent legal per ucc code article 3-104. They told me I have to go through their loan department which isnt true maybe they arent familiar with certain laws. Or maybe Im mistaken but I dont believe so.. the bill of exchange act of 1882 is still in place
Product: Bank account or service

On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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. 1681s-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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 a account without my written instructions
Product: Checking or savings account

These people answering my wells fargo complaint. Still refuses to understand anything. Wells fargo didn't use their cause that they can close my account until XXXX XXXX lied about me falsely accusing me of harassing her. They failed to look at the security footage that last day I was in the bank. I was being made to travel back and forth to the bank, because they refused to open me a new checking account over the phone. But this was a set up for XXXX XXXX to falsely accuse me of harassing her. Wells fargo has never statated how I have harassed her because she harassed me and falsely accused me. All these managers keep saying to me is that the bank had a right to close my account. Well they weren't exericing their right until XXXX XXXX lied to them that I was harassing her. But they refused to look at the security footage which would had proved I didn't harass her. The police didn't do nothing to me either, because they saw I was talking to my own banker that day. I never harassed XXXX XXXX, she harassed me. They just need to be shut down as a bank for their continued criminal behavior. 

This is why they had me going back and forth to the bank. So they could do this dirty thing for me and get rid of me. So XXXX XXXX put herself at the bank to falsely lie about harassing her. Wells fargo refuses to do anything or compensate me for their actions of their employee XXXX XXXX. 

The police didn't even back XXXX XXXX that I harassed her that day. But wells fargo wants to back her up and be against me. I am sick of being treated this way.
Product: Mortgage

Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off.
Product: Credit reporting or other personal consumer reports

My Only name and My Only address is what's listed on this complaint.

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Vehicle loan or lease

On XXXX XXXX a check amount of {$2200.00} was mailed out and to be applied for XXXX and XX/XX/2018 payment making me paid up for 2 payments in advance.Unfortunately, it wasnt applied to my account XXXX XXXX. Resulting me to be reported late with the credit bureaus profile as being 30 days late twice on XXXX and XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform dispute Zelle, numerous of times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately they informed me that lost funds was impossible and tracking these funds was unfeasted I would cfpb to look into it this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : 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

XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX/XX/XX/2016 and then again in XXXX/XXXX/XX/XX/2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My wife states she did visit a website called XXXX. She states she did click the free 7 day trial membership. But, before even leaving the website - she informed me that she tried many times to terminate the free trial. As I have stated to Sam 's Club, XXXX is a foreign website that has big security problems. Both XXXX XXXX browser and XXXX XXXX stop and warn that, " Attackers might be trying to steal your information from XXXX. '' So contacting them is almost impossible - unless you want an even bigger problem! 
Basically, XXXX has successfully charged our Sam 's Club MasterCard twice. Currently, Sam 's Club has authorized a provisional credit for both charges of {$34.00} for the months of XXXX and XXXX. In conclusion, upon seeing the first charge of {$34.00} - I contacted Synchrony Bank on XX/XX/XXXX and filed a dispute. XXXX  submitted another charge on XX/XX/XXXX. and I tried contacting Sam 's Club customer service again - only to be connected to a bad experience from abroad customer service. I did get US support the following business day and hopefully problem is at least stopped from further charges.
Product: Student loan

XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX