23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice from Coast Professional , IncXXXX dated XX/XX/2023. They are attempting to collect a debt, which they also placed as delinquent on my credit report. Their notice said that I had until XX/XX/2023 to write to them to dispute the debt. Their notice said to send the dispute to their email " XXXX '' I sent them a letter on XX/XX/2023 explaining that I was disputing the debt and requested verification of the debt, fees and the name and address of the original creditor. 
They have not responded to my request. 
Furthermore, they have continued to send me letters demanding payment, and also continued to call me on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. The FBI and the police have cleared me from what the fraudster that stole my social security number and date of birth did with those identifiers. The fraudster, XXXX XXXX, was arrested and he used my identifiers when arrested. He was given a bond with him using my info, as they thought i might be using an alias. The fraudster never showed up in the future, so the authorities chased the identifiers. I claimed i never did any of the acts the fraudster committed. The police said they hear it all the time. I demanded the police check my fingerprints. When they compared them my prints did NOT match the fraudters. I was released. The FBI said in court that anyone can claim a different name, change addresses, states, hair color and styles, but no one can change fingerprints. I was not the fraudster. Santander ignored all the facts and denied my id theft claim. Harmful and wrong.
Product: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX New XXXX XXXX XXXX XXXX XXXX BSMT Washington, XXXX XXXX Thanks, XXXX XXXX XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$780.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX Account name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX name : XXXX Consumer Amount Opened XXXX XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX XXXX : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened XXXX XX/XX/XXXX XXXX name : XXXX Auto Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : Market XXXX XXXX XXXX  Amount Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations.
Product: Credit reporting or other personal consumer reports

I'm requesting a complete & full certification process of the public record listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was furloughed from my job that I held for XXXX XXXX at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about XXXX negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, I cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.
Product: Vehicle loan or lease

A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the  missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks
Product: Credit reporting or other personal consumer reports

The account was a collection. It already removed on my account. Know the add it on my profile has in open account
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I am writing to file a complaint against 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, credit repair services, or other personal consumer reports

I have been disputing the lates on my mortgage account with Nations Direct since XX/XX/XXXX which was when I noticed the negative credit reporting. 

I was marked 30 days late on XXXX, XXXX and XX/XX/XXXX when I was in an active, approved Forbearance plan which they have clear records of. I have notified them of this and they stated XX/XX/XXXX that they would be requesting the removal of these lates and nothing has been done. 

On XXXX and XX/XX/XXXX I was also marked 30 days late for both months and both payments were NOT 30 days. 
XXXX was received on XX/XX/XXXX and XXXX was received XX/XX/XXXX. My due date is the XXXX of the month and I have up to the XXXX of the month to make the payment without negative credit reporting. 

Because of the numerous FCRA and FDCPA violations I would like this account completely removed from my credit or for these lates to be removed before I pursue legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Correct the account 's information NOW : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft : XXXXXXXX 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

My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an alleged account. I have disputed this account on numerous occasions. Equifax keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. Equifax is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Product: Money transfer, virtual currency, or money service

it seems that PayPal has closed my account for no apparent reason. Not sure if this is a mistake because i have been trying to get a hold of PayPal but no answer, which seems to be them not doing their job. i remembered that i am able to file and get this resolved because i feel like they arent doing their job and its effecting my income i have a large amount of money held in my PayPal which were sent by customers to pay for items. which doesnt seem right. my email linked to my PayPal is XXXX XXXX
Product: Debt collection

XXXX I sold a car to a private party for {$790.00}. I have a signed Vehicle Report of Sale dated XXXX XXXX I attempted to file the sale with the DOL electronically. The sale occurred on a Saturday. The DOL offices were closed. I did not know there was a server issue with DOL, therefore the sale was not filed with DOL. I have a copy of my server history showing where I accessed the DOL online and a copy of an email from my credit card explaining that an attempt was posted to my credit card. 
XXXX Received letter from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX labeled DOL Vehicle Impound Notice informing me that I am responsible for the towing and impound of the XXXX XXXX. Impound/recovery/tow charge {$240.00} and Daily storage rate {$65.00}. On that same day I called XXXX and notified them that I sold the car. It was at that time I was noticed that the car sales was not filed with DOL and title transferred. 
XXXX I phoned XXXX and notified them that I sold the car. I gave them the new owner 's name and address as recorded on the Vehicle Report of Sale. I was verbally informed at that time that if I did not pay the towing fees and daily storage rates, XXXX would report me to a collection agency. 
XXXX Sale of Vehicle was recorded with the XXXX. Date of sale was recorded as XXXX. 
XXXX Received second letter from XXXX labeled DOL Custody and Sale of Abandoned Vehicle Notice informing me that I owe a total of {$650.00} for impound/recovery/towing and daily storage rate. The vehicle will be auctioned XXXX at XXXX. 
XXXX Phone call to XXXX informing them that the sale of the car has been transferred and filed with DOL. Mailed a certified letter to XXXX  including a copy of the Vehicle Report of Sale showing the sale date as XXXX XXXX Second Certified letter to XXXX  including copy of my computer server showing that I accessed the DOL and the case number showing that the new owner was in possession of the car and was arrested. 
XXXX Received letter from Accelerated Collection Services ( known as ACS ), XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Letter was dated XX/XX/XXXX. Reference number XXXX. As of XX/XX/XXXX I owe {$540.00}. Between XX/XX/XXXX and today I am charged {$25.00} in interest for a total debt of {$570.00}. 
XXXX Phone call to ACS XXXX XXXX and was informed I can contact them in writing to dispute the debt. 
XXXX Certified letter to ACS informing them that this is not my debt.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( 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 when such an action is a clear violation of my consumer rights in accordance with the FCRA XXXX! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,