23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is trying to collect a deposit that is not due as a result of their breach of contract. I never received the keys to the apartment nor did I move in, since the terms of the lease were breached before making payment so I terminated the lease prior to move in date. This was communicated to XXXX XXXXt on multiple occasions and my attorney sent a letter to them confirming this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given capital one permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).
Product: Credit card or prepaid card

I received a RelaCard from US Bank but did not file for unemployment. I closed the account with US Bank and filed a report with Unemployment Office with Colorado.
Product: Credit card or prepaid card

Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards MasterCard. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. 

Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. 
Those facts are : 1. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 

2. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was 3 weeks after the charge occurred, well within the time-frame allowed to report the fraud. 

3. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 

4. I was never sent any information on why this dispute was reversed.
Product: Debt collection

Im getting tired of this as now this is harassment. 

I have previously submitted a XXXX  Complaint to Code Red/Code XXXX XXXX XXXX  back a few years ago, and more recently XXXX, for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to XXXX XXXX. I explained the situation to XXXX years and they left me alone. Now XXXX years later, I now have XXXX harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous XXXX associates and asked repeatedly if this issue was on my credit. They said no. I have at least requested that XXXX provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. 

Now my loan has been sold to Avante or they own my debt that I have previously disputed through the CFPB in which XXXX updated my credit. 

XXXX have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. Avante XXXX is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Checking or savings account

Our Citibank Cd was renewed at the wrong rate and duration. On XX/XX/19 I called XXXX and spoke with XXXX to renew our Citibank cd at 2.5 % for 12 months which she offered. Mistakenly, it was renewed at 1.5 % for 13 months. I never got confirmation so on XX/XX/19 I called back and spoke with a very rude and incompetent banker named XXXX who would not help me or give me her supervisor 's contact information. I went to our branch and dealt with XXXX XXXX, Citibank XXXX XXXX branch manager ( XXXX ), and she just filed a dispute to investigate, case number XXXX. I tried calling her back to check on case, and no answer, and could not leave a message. So on XX/XX/19 I call the XXXX number back and am told by c/s rep. XXXX our case was cancelled. She says she will escalate it and gives me a new case number XXXX, and tells me to call back in 10 days. I call back on XX/XX/19 and speak with XXXX who is evasive and says it has been resolved, but can't tell me the results due to privacy concerns. She says I will get a letter at the latest by XX/XX/19, but I did not. They are refusing to correct their error. Also, one of their c/s reps told me that there are notes in their system showing I spoke with XXXX on XX/XX/19 regarding our cd. I was within the grace period. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed a number of Violations involving Santander reporting and need account removed from all three data furnishers immediately. 

Santander is reporting incomplete informatiion across the board to credit bureaus They were involved in class action lawsuit for predatory lending practices in which I was affected. As well as CFPB ordered the Financial instituion to report accurately therefore need to cease and desist collection efforts as each violation as a consumer im entitled to up to {$1000.00} per violation per FCRA and FDCPA below i attached the class action lawsuit. article published by CFPB that implies santander knowily reported incomplete info to CRA 's as well how it is being reported to XXXX  and XXXX  on my report. 
I am a victim of preadatory lending practices I find this account Violates, TILA, FCRA and FDCPA. 

Under Law any form of fraud voids contracts
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than XXXX days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I tired to dispute this debt with original creditor XXXX, who sold the debt to velocity investments, and now XXXX XXXXXXXX XXXX XXXX is the one handling it, but its on my report as velocity investments, Ive asked for them to remove this incorrect account from my report, it doesnt belong to me, and I would like to sue at this point. Im not even sure if they are allowed to collect on Ga debt. Its not mine and I need it taken off.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations.

Your agency is in violation!

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.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Incorrect Name : - XXXX XXXX XXXX DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 a loan with UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the collection for XXXX in full for deletion but its still showing on my credit reports
Product: Debt collection

Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.
Product: Credit card or prepaid card

On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX, one for XXXX dollars and the other for XXXX. The one done for XXXX0 was a mistake done by XXXX XXXX XXXX. The representative said she will return the funds back to me. A week later she contacted me and stated the funds wasn't release to her, therefore she was unable to return the item at this moment. Another week has gone by, so I contact them ago and the funds has still yet to be release to them. XXXX, the sales rep at XXXX XXXX XXXX, told me to contact Capital One and do a dispute for the the XXXX dollars double charge onXX/XX/XXXX. I disputed this transaction and received a credit until the investigation was completely. OnXX/XX/XXXX I see a transaction refill for XXXX dollars. I contact XXXX XXXX XXXX to see if they have received the funds and they said NO!
Product: Student loan

My student loan was managed by XXXX  and I was in a XXXX program. Then switch to Mohela that did not acknowledged my XXXX. Mohela said, they switch over to federal student loan now and I need to reapply to XXXX. I was told that they don't managed that program. I completed my XXXX  days has request through navient but the switch happen now it never rolled over. I always updated my employer under public services. 

I received a letter stating on XXXX XXXX XXXX that the transfer would not effect the aspects of my federal student loan account form XXXX XXXX to Mohela. Also stating Mohela will be the service r for borrowers in the XXXX program. But on the contrary they tell me they are not part of the program leaving me back to square one again. 

What Can I do?
Product: Checking or savings account

use citi bank promo bonus {$700.00} if i open account and deposit {$50000.00} and hold this funds for requre time.On due date my bonus wont appear on my account. Customer service agree that i met all terms, but they dont have authority to make decision.I feel betrade, played and disapointed that huge bank like this used my hard earn money to enrich themselves and not to keep theiroffer contract
Product: Debt collection

This debt shows as a collection account on my credit report. It is reporting that I opened the account with them In XXXX of 2024. I have never made a payment to Portfolio Recovery Assosciates. I have never enetered into a credit card agreement with them either. I would never have opened an account in 2024 as I fell on a serious financial crisis at that time. 
They are saying I owe them XXXX. They list themselves as the original creditor from XXXX XXXX. These are all false. I dispute it and they say dispute settled. Then they wrote on my credit report that the consumer disagrees!!! Yes I disagree because it is false. Show me the proof!! This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I became aware that the Credit Bureaus are reporting one Credit Score to the consumer and a lower Credit Score to the Banks. I recently ran my Credit Score on Experian and it was reported to me on line as XXXX. However I was turned down for a business loan by a local regional bank because they told me the Experian score came back at XXXX. Since the score was below XXXX I was declined for the loan. It is obvious what is happening here, Experian is either issuing artificially high scores to the consumer or artificially low score to the banks. As you know credit scores affect so many financial areas including loan approvals, interest rates, etc ... This practice should be illegal!
Product: Payday loan, title loan, or personal loan

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
Product: Money transfer, virtual currency, or money service

I never authorized anyone to transfer funds from my account using Zelle. 
On XX/XX/2020 two transactions were made. Two different people. 
One in the amount of XXXX and the other in {$1200.00} I am being scammed, never authorized the funds to be sent. And both my bank and zelle refuse to take on liability.
Product: Debt collection

I have new and updated information regarding case number XXXX with Goldman Sachs Bank . On XX/XX/XXXX, a validation of debt letter and cease & desist letter was delivered to Goldman Sachs Bank regarding an alleged debt, that they have fraudulently been attempting to collect. After ten days following the delivery of both of these letters, the company, Goldman Sachs failed to validate the debt by not sending any of the requested documentation I asked for in the letter. Not only was this after the ten day period I gave them, but they have yet to comply to my request to validate the debt. Following the delivery of the cease and desist letter, Goldman Sachs has failed to comply my request by harassing me on numerous accounts in connection with attempting to collect this debt. This company has called me, on my days of ritual and in the middle of my workday. Instead of validating the debt, this company has only sent me a paper statement fraudulently attempting to collect on this debt. On XX/XX/XXXX, my list of facts and statements of truth were sent in an affidavit of truth, consisting of several exhibits as clear proof for my case. On XX/XX/XXXX, a full bill of particulars was also delivered in demand of remedy for all violations of my consumer rights that Goldman Sachs Bank has made against me.
Product: Debt collection

XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
Product: Credit reporting or other personal consumer reports

I am not and can not be held liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I do not have a contract, nor was I ever made signatory with XXXX XXXX XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I was never provided with a copy of the original contract as I requested multiple times. I have never settled with XXXX in any monetary amount, thereby having no official dealing with this company. The Items are listed as XXXX  separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This account ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. This is a clear violation of FCRA as this activity is not accurate, or complete, but frivolously reported and furnished with no definitive proof of its accuracy, which is less than adequate and immediately detrimental to the individual consumer. I have attempted to give the furnisher of this inaccurate information the benefit of due diligence expecting nothing less than immediate deletion as a professional standard, but this CRA stands nothing to gain by deletion, even if the information in question is, in fact, inaccurate/incomplete. I am demanding a proper investigation, not a reinvestigation, because I believe the disputed information was never adequately investigated in the first place, but rather verified as accurate and updated through an XXXXXXXX  system, prematurely sold to the consumer as credible determinations. That is a clear violation of the FCRA and the law. 15 U.S. code 1681i. ( a ) ( 6 ) ( B ) ( iii ) would require by law the means to investigate/reinvestigation methods to be made available to the consumer in a timely fashion. Subsequent response without any real evidence showing how the CRA conducted their investigation other than trivial correspondence stating disputed information has been verified as accurate should not suffice and violates the law. To stall and ask for other identifying information when such information is already on file should not be tolerated internally through the CRA 's office of professional standards if you are a professional credit reporting agency. I have full faith in confidence that the CFPB will investigate you by my determination to get this inaccurate information removed from my good name. My family and I have suffered enough. 15 U.S.C 1681 section 602 A. would indicate my inherent right to privacy and especially if the information is inaccurate 15 U.S.C. 1681s-2 ( A ) ( 1 ). Again, I would ask for a copy of the original contract of, which I have requested on several occasions but was never provided. If the furnisher of the aforementioned accounts if unable to do so, I would ask the CFPB to intervene within their official capacity.
Product: Credit reporting or other personal consumer reports

I have requested Experian remove 2 late payments on my consumer credit account : Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), I never gave anyone permission to report this information. I have asked Experian to provide the details of their investigation & to date I have not been give a proper investigation.