23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX IC Systems Collections ( XXXX ) posted a notice of collection to my XX/XX/XXXX account stating that I was in collection for {$190.00} that they claimed as do to XX/XX/XXXX. I called and asked for back up information on the account and they just mailed me their invoice for the {$190.00} with no information on the origin of the debt. Then called XXXX to figure it out d try to resolve it. After several attempts to locate an account there on XX/XX/XXXX I spoke to a manager who after reviewing my file agreed that the charges were inaccurate ( they billed me for an additional month after I called to terminate service ) but claimed I owed them {$89.00} for a prorated amount that was declined by XXXX. The account was on autopay for nearly 2 years with no such incident, but I agreed t pay the {$89.00} in exchange for the promise that the collection agency would be notified, and the notice removed from my credit report. He agent informed me I could take as long as 30 days. The charge cleared my account on XX/XX/XXXX. In XX/XX/XXXX I was made aware that my XX/XX/XXXX credit report was not cleared of derogatory report. I called XXXX again on XX/XX/XXXX, and again was promised the situation was handled and that the collection agency has been informed that there is no unpaid debt to report. Since then, I have made 6 calls to XXXX with the last being XX/XX/XXXX after hearing XX/XX/XXXX had confirmed that IC Systems Collections confirmed the claim as valid on XX/XX/XXXX. The XXXX  agent confirmed that on XX/XX/XXXX the notice went to IC Systems Collections that the claim was not valid. The agent promised I would hear from someone with XXXX XXXX XXXX withing 48 hours. A week has passed, and XXXX has not contacted me by phone or by mail and to my knowledge has made no attempt to correct the situation.
Product: Debt collection

When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that XXXX XXXX claimed that it had debt from an original creditor, Citibank NA. I was unaware of any debt I may have had through Citibank. I called various numbers at Citibank, which referred me to other numbers at Citibank, none of which could find anything under my name and SS #. XXXX at Citibank told me on the phone to contact Applications. I am going around in circles, and debt buyer XXXX XXXX was unreachable. It purports to have a debt of {$500.00}, but both Citibank and I are unable to verify this alleged debt.
Product: Payday loan

I applied to a pre-approved loan. Once applied, I was approved and was told to sign ( online ) the agreement form in order to process any further. I read the loan agreement and decided not to pursue any further due to the interest rates they intend to charge. For a loan of {$250.00} they want to charge an interest rate of 865.8168 %!!! The total amount to pay back according to the agreement would be in the amount of {$1100.00}. Now again, this is for only a {$250.00} loan. 
Now they are harassing me through multiple phone calls a day and emails. I do not want to do business with them if they are trying to use me like this and I wish them to answer to their reasoning of charging such an insane interest to people who desperately need the money in order to make ends meet.
Product: Debt collection

XXXX debt collection companies, XXXX Portfolio Recovery Assoc, LLC Failed to notify credit report agencies as promised, once the Judgement was satisfied XXXX just shuttled me between operators. promising and address to send pertinent information
Product: Credit reporting or other personal consumer reports

The United States District and Bankruptcy Courts for the District of Columbia stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit card or prepaid card

I made a purchase that I immediately felt was fraudulent and cancelled right on the spot. I didn't sign anything nor received a receipt and was told by the merchant, the charge didn't go through. I went to immediately cancel on my credit card but it indicated charges pending and that a dispute wouldn't be permitted until charges went through. 

Charge is fraudulent. Vendor refuses to cooperate. Credit card finds in favor of vendor with no proof of valid services, document of swipe is the only evidence. Why did credit card not alert me to XXXX suspicious charges in XXXX and require my verification before pushing it through? It's done so on lesser suspicious charges. I feel this is a failure of the credit card to protect my consumer rights.
Product: Debt collection

I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a collection manager and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my bank. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry by CitiBank NA on XX/XX/year>.
Product: Credit card or prepaid card

I have received 4 deposits from unemployment and. i have been calling since XX/XX/XXXX to get a replacement card and there is no answe with us bank relia card. I have been on hold more than 15 times for more than 2 to 2 1/2 hours and the call is disconnected as if someone is hanging up the call. I am no longer able to check my balance with the automated system using my phkne number the card was issued initialy around XX/XX/XXXX and i have not used it since XX/XX/XXXX and i am unable to get through with a agent and or chat online to receive a replacement card. I use the option to report the card lost or stolen via the automated system and never can get through I have no online access to view my information. I am unable to chat with a virtual assistant. I am in need if my money to pay bills and live my daily life. i have called several numbers for us bank relia card and still have not bewn able to receive a replacement card. I feel that employees may be  picking up the line then transferring the calls while on hold i hear music then silence then more hold music. Please help.
Product: Checking or savings account

I am writing to file a claim with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Follow-up on Complaint Against Experian CFPB Dispute # XXXX Dear CFPB Representatives, On XX/XX/year>, I filed a complaint with the CFPB against Experian regarding inaccurate information on my credit report. As part of the dispute process, I provided all the necessary documents to verify my identity, including : A copy of my government-issued ID showing my current address. 
A copy of a recent utility bill. 
Detailed personal information, including my full name, Social Security number, date of birth, and past addresses. 

However, on XX/XX/year>, I received a response from Experian stating that they can not process my request unless I resend the same documentation. This is an unjustified attempt to delay the resolution of my dispute and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as Experian is obstructing my right to have inaccurate information corrected on my credit report.

I am resubmitting the documents that were already provided with my initial dispute
Product: Checking or savings account

was promised {$75.00} for getting a direct deposit, got a direct deposit of {$500.00} on XX/XX/2020 yet bonus never credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Reported Bal : {$750.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation based on new evidence regarding an XXXX XXXX account reported on my TransUnion credit report. Recent updates to the account have introduced several inconsistencies and incomplete information that raise serious concerns about its accuracy. Specifically, the account is listed as a charge-off with an outstanding balance of {$1400.00}. This inconsistency between the charge-off designation and the presence of an outstanding balance is misleading and may negatively impact my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information on my credit report. I request that TransUnion conduct a thorough re-investigation of this XXXX XXXX account to verify its accuracy. If TransUnion decides to maintain this account on my report, please provide me with a detailed description of the procedures used to verify the accuracy and completeness of the information, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This should include copies of all records from XXXX XXXX that support the current reporting status, including any evidence of payment history, charge-off details, and the reason for reporting an outstanding balance despite the charge-off designation. If the information can not be verified or corrected to accurately reflect my account history, I ask that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period as stipulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my signature giving the following companies permission to view my consumer report. 

Company name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Car reported stolen XXXX/XXXX/XXXX. Case # XXXX XXXX XXXX Police Department Detective XXXX XXXX - XXXX XXXX declared a " TOTAL LOSS '' XXXX/XXXX/XXXX. ALLY FINANCIAL is the lien holder for the XXXX XXXX XXXX in question. XXXX XXXX declared total Loss but ALLY FINANCIAL is still taking my payments? 

I went to trade the vehicle in AFTER XXXX XXXX & ALLY FINANCIAL made me recover the FOUND stolen vehicle in California - for which XXXX OR Ally Financial have attained a SALVAGE Title unbeknownst to me. 

The car was declared " Total Loss '' in XXXX. I HAVE GAP Insurance and ALLY FINANCIAL IS AWARE of that fact and has NOT ACTIVATED GAP despite my requests or questions ; as I was n't sure about GAP until recently. 

I want to complain and bring charges against BOTH entities for fraud. 

The XXXX XXXX XXXX XXXX XXXX XXXX AND ALLY FINANCIAL ARE NOT IN COMPLIANCE WITH GA LAW. Please advise. 

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

I am submitting this because XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX and XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXXXXXX XXXX 
Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
My recent XXXX, XXXX, and Transunion consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 
Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX  in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXXXXXX XXXX XXXX 
However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, XXXX, and Transunion, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXXXXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount in the billing error notice may have increased since the date of the notice but does not change the fact that my account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed.
Product: Vehicle loan or lease

I have called JPM Chase 3 times in the past 3 months looking to update our car loan with them. My deceased wife was the owner of the loan and each time I've called Chase they have put me in touch with a problem resolution team who say they will mail me a letter and this has never occurred. I want to in good faith continue paying the loan and also retitle the loan to myself, yet they have been of zero assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Equifax, dated XX/XX/XXXX, sent via certified mail ( receipt number XXXX XXXX XXXX XXXX XXXX ). It is now XXXX XXXX, XXXX, I have not received a response to my initial dispute. In that letter, I disputed the accuracy of the information reported on my credit file regarding the account with XXXX XXXX XXXX ( Account Number : XXXX ). Specifically, the report inaccurately states that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. Given that there are only 30 days in a month, this reporting is clearly erroneous. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. Equifax failed to undertake reasonable procedures to ensure maximum possible accuracy, Equifax has failed to follow ( FCRA ) procedures Additionally, per FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ), Equifax is obligated to mark the account as in dispute during the investigation period. Your failure to do so constitutes a violation of the FCRA, and each violation is subject to statutory damages of up to {$1000.00} under 15 U.S.C. 1681n. 
To resolve this matter, I respectfully request the following documentation : 1. All statements and payment transaction records from the creditor substantiate the claim that my payments were not submitted on time.

2. Proof of mailing or delivery of each periodic statement at least 21 days before the payment due date, as required by law.

According to FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified within 30 days, it must be deleted from the consumers file. Equifax has already depleted the maximum time frame the law requires to complete a dispute. 
Considering these violations, I request that Equifax update the account status to Paid as Agreed, Never Late immediately.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate personal information as they are reporting an address that I have never lived at. 

XXXX XXXX XXXX, XXXX, Alabama XXXX. 

I have sent numerous requests to have this inaccurate information removed.
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 OF XXXX Account XXXX has violated my rights. Or a 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.