23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

the month of XX/XX/2018, my home depot card tried to take a payment from one of my banks, it was rejected. I called and card services said they would NOT try again and I should pay be phone..which I  did from a different bank account. Mean while AFTER home depot kept trying to take from my first account ( 4 times ) racking up {$60.00} in over draft fees, final they were able to take another payment. I have called 3 times getting the run around. Now they say I must mail in copies of my bank statements, when you can see on my home depot statement the 2 payments of {$100.00} were made days apart for the same amt. I want one of my payments refunded.
Product: Debt collection

Sent a letter to XXXX XXXX XXXX in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past XXXX months. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

I am writing to officially convey my concerns about how Zelle addresses disputes, especially in light of the recent lawsuit by the CFPB that highlights significant issues with the platform. Despite my numerous uses of Zelle and reporting various discrepancies, neither my financial institution nor Zelle has adequately investigated my claims. They conveyed to me that recovering lost funds is impossible and tracking these transactions is impractical. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also permitted repeat offenders to take advantage of the system, putting users at risk of scams. This absence of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TXXXX XXXX AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HL XX/XX/XXXX XXXXXXXX XXXXS XXXX XXXX, XXXX XXXX XXXXS XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXXXXXXB H XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXN XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service wouldn't take care of it, I told them I was a victim of fraud and the Inquiries on my credit report were inaccurate and were not mine. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX   XXXX XXXX, DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX  XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information although they claim to update the information on my consumer report. The credit bureaus have not done as they stated they would, there are name variations that are incorrect and several addresses that do not belong to me. 

The only name I go by is XXXX XXXX and there should be no other name on my report it is inaccurate and causing identity theft issues because its not accurately reporting. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect and should be immediately deleted. 

Failure to comply I will immediately sue each credit bureau for lying about updates that they are not doing this is a violation of my federally protected consumer.
Product: Debt collection

I have sent Total card three certified letters disputing the two accounts that they are reporting to the credit agencies that I know are falsely being reported. They have failed to respond all three times. I have ran out of options
Product: Debt collection

In XXXX XXXX I was served at my home for a medical debt that belongs to my daughter when she was a minor which was XXXX, she is now currently serving in the XXXX XXXX. This paperwork of debt owed from CMRE was the first I had heard of this. When speaking with the representative the address they had stated they served me at was an address that I have not lived in since XXXX. Is this where my statements were going? I have told this company the amount to pay is to high. It has jumped from {$1700.00} to over {$3700.00} with what they claim are attorney fees. I have asked numerous times for an itemzed statement of what I am paying for and have now been told it is not mandatory and that I should be getting that through the courts. She did say she would send me one as a one time thing ( WHAT??!?! ) Is it hard to provide this? I have never heard os such a thing. I am on a payment arrangement in the amount of $ XXXX for THREE years ... yes THREE. Its a payment arrangement they set me up for to default. I ask can I pay online ( no ), I need to call in and speak to one of them to make sure the payment clears. I have asked if can be auto-drafted ( also no ). So you want me to remember to call you every month for three years??? No this is them setting me up to default and garnish my wages. I was also told on XX/XX/XXXX, when I called and made a payment that if I did not sign the papers from the attorney of this arrangement that they would consider it not an arrangement and would begin judgement and I should receive them in three days. This is an absolute set up for default and I am about to file a suit on them. They 're saying if I dont sign the paper after I already called and made an arrangement and made payment that they will start a judgement?!!?! Here it is XX/XX/XXXX, and no papers have been sent to me. I am a single mother and have told them this is not feasible. I can not afford for fee 's on top of fees to be added. I was not notified prior to this. I am in a nightmare. Please help, they are refusing to help me. I need fee 's removed and an arrangement I can afford for exactly what I owe. Please please help
Product: Money transfer, virtual currency, or money service

I have an account with crypto.com that I keep aout XXXX USD in. They charged me XXXX to ship a debit card I did not want. It has been over a month since they charged for the debit card and they never shipped it. I requested a refund for the XXXX USD fee since they never shipped. They refuse to issue a refund. 

Come to find out policy does not require one to order a new card and the CEO has since suspended the fee for debit cards going forward. However they will not refund the XXXX USD for my account.
Product: Student loan

Navient XXXX XXXX XXXX, reported late 90 day and 120 day late payments to all three credit reporting agencies, when I indeed was not late, my account was in deferment, on top I was never notified of any changes or payments needing to be made, spoke with Navient on numerous occasions. The representative told me if I went in deferment my credit would be updated and then my credit was never updated, they came back and said they couldn't. They are very rude and not helpful in resolving this issue at all. They do this to everyone, because they know people need student loans. This is not fair and invading rights.
Product: Debt collection

according to credit bureau account was opened with Company called Conn Appliances inc on XX/XX/2016, highest balance is {$3700.00} charged off as bad debt and loss write off, reported balance now is {$2700.00}, i have contacted conns corporate and back office team that handle accounts, we have been on the phone with them over 4/5 hrs and they have yet to find something in there systems with my name address social etc, they have no record of me owing them money, i have disputed charge multiple times and it comes back as verified and updated. this is not my account i have not done business with them at all, police wont file police report since they dont have my social on file. i want this removed and blocked from my social ending in ****
Product: Vehicle loan or lease

I have a credit card and car loan with will forgo bank expara charges
Product: Student loan

To Whom it may concern : I am fighting 2 loans disputes a parent loan by Navient Solutions that so call being investigated when my son left after 2 months because they would n't let him in class with no financial aid. This is the 4th dispute with them not doing anything. Now Navient has purchased this loan and dong the same stating they approve my forbearance which I never spoke with them or had any contact with them other than the other loan I am disputing .This loan is over 30 years old it  was from XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX and was under XXXX XXXX which I disputed the amount XXXX and how it was processed by the school. I was told I need it graduate? But I was on a XXXX XXXX XXXX. I was in bankruptcy for 5 years since XX/XX/XXXX. This loan from Navient states repayment begin in XX/XX/XXXX which I remember sending payments to XXXX XXXX so they would attempt to take our tax refunds and they was working on investigating ( The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check ) now loan amt ( XXXX ) now unpaid balance ( XXXX ). payments of XXXX starting on XX/XX/XXXX XXXX payments and last payment XXXX to end XX/XX/XXXX total with interest XXXX, no fraud and rip off but when you contact them with your information or CFPB they give a fake response like they are looking into the matter. I need help I am XXXX years old and in XX/XX/XXXX if I live I would be XXXX XXXX XXXX .The CFPB need to go after this rip off Company. I understand there is a pending lawsuit. How many other people have been affected by this Company and their tactics and harassment.
Product: Student loan

Hello, I have XXXX private loans through Naviant equal to a little over {$100000.00}. There have been multiple times where they have mishandled my account, providing false advertisement, charging incorrect fees, and harassing me at my work place. This past incident has sent me over the edge. Back in XXXX I was in the hospital for 3 days. I had been trying to keep up with payments, and finally was able to get a case manager. I supposedly entered into a lower interest rate payment plan, which would automatically take out the amount due from my bank account each month. I was granted access into the program because of my hospital stay and the resulting bills. Fast forward to a few weeks ago. I check my balance online and it says that I owe {$3000.00} and that I 'm 2 months behind in payment. This does n't make sense because I am enrolled in the lower payment option for at least 3 months. My bank account can prove that they have been taking money from my account every month. I have tried numerous times to contact them via phone and email and mailing address. So far I have heard nothing from them and my account has not been fixed. They have been negatively reporting on my credit score, and I do n't know who else to contact. I am making payments and I am going to graduate school at the same time. I will make one last attempt to contact them and get this problem resolved tomorrow. If I do not get a solution from them, then I will be contacting my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX # # # # # XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX  XXXX .... Balance : {$63.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

At this time I want to inform you that because your office is reporting invalidated information to the 3 major Credit Bureaus this action constitutes fraud under both Federal and State Laws. Due to this fact, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character On XX/XX/2018 I opened the following case with the CFPB XXXX. This case was closed today, but the information required by law was not provided in the answer from the company. I received the original instrument, according to state law ALLY financial has to provided deficiency notices in order to report a repo on my credit report. This was not received per FCRA this has to be removed because 30 days has passed and the company has not provided the legal requirement to have the right to report this on my credit history. There have been several miss-applied payments to the account in question. Each time a call was made to ALLY financial when each misapplied payment was made. 

IN addition to this, I have disputed the information on my credit file and ALLY financial should have notice of this information as well. 

The request to provide a notarized copy of the deficiency notices mailed to the address on file has not been satisfied. Legally this would be considered fraud. I will open up a case with the FTC and file a ID theft notice and seek legal action against ALLY financial for violation of FTC up to {$1000.00} per occurrence. 



Once again in a timely manner please remove this information from my credit report
Product: Debt collection

I have a debt collection for {$9700.00} with Capstone Credit Stone & Coll. The apartments name XXXX XXXX XXXX. They located in Florida, XXXX which I never been too ever. I called the company letting them know what was going on, no help. So I filed a dispute twice with XXXX back in XXXX & XXXX. I filed a police a police back in XXXX and sent it to XXXX the debt still on my collection. So another dispute is being open XX/XX/2022 with a copy of the police report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent non-compliance. I believe XXXX and Equifax have failed in its statutory obligation to ensure the accuracy and fairness of the information included in my credit report and has demonstrated negligence in handling my prior disputes. 

Details of Complaint Negligent Reporting of Inaccurate Information : XXXX has failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in my credit report.

Ensuring maximum accuracy of consumer report information ( 15 U.S.C. 1681e ( b ) ).

Conducting a reasonable reinvestigation upon receiving a dispute ( 15 U.S.C. 1681i ).

Providing accurate results following investigations and correcting errors promptly.

Their failure to comply with these obligations has caused harm to my creditworthiness and financial well-being.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX my account was limited in XX/XX/2018 and I was advised funds will be released at 180 days. Funds as not been released yet.
Product: Mortgage

XXXX  XXXX  XXXX  XXXX  XXXX, XXXX OH, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!
Product: Checking or savings account

I opened an account with TD bank and never received the debit card in the mail... Having waited 6-8 weeks with XXXX  once recovering I called them to ask them to resend the debit card so I could access the {$10000.00} that was direct deposited into that account over the 6-8 weeks.

They couldn't generate any authentication questions to verify me, and then refused to find a resolution that didn't require me to drive an hour to a branch to rectify the issue in person.

I opened the account online, but now can no longer access any money or support for that account unless I go to a branch, which are not local. 

They refused to offer other solutions or remediate the problem, refused to generate verification questions. 

I opened the account with a promo bonus and they haven't verified that the bonus is active either. 

Very poor customer service, no ability to access my account, no trackability of my bonus.