23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it shall concern I reached out to carvana to correct a debt issue with them as the are a debt collector who did not give notification they were a debt collector furnishing deceptive forms to a federally protected consumer, in order to collect a debt. I entered a consumer credit transaction with an open-end credit plan and used the vehicle for household and personal use. As they are a extension of the creditor of the consumer credit transaction using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. They don't have nor can provide me with the original contract for this alleged debt using multiple names, obscene symbols and use of obscene language on the alleged contract could be indecorous to the eyes. Carvana has violated me as a federal consumer in the corporation and needs to be held legally accountable for their ambiguous actions as a debt collector they are. I am demanding the agency to work with me the federal consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth and Lending Act or else i will purse federal litigations if needing re-enforcements on the facts of Federal Law.
Product: Debt collection

I received no notice of collection but it was put on my credit report. It's also an old debt from XXXX that the company has said is from XXXX. The statute of limitations expired in XXXX to collect the debt which is from Arkansas, where I lived at the time and services were rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I saw a {$19.00} charge ( posted XX/XX/18, ref. # XXXX ) on my XXXX XXXX statement , listing TransUnion as merchant and listing toll-free no. XXXX. [ See attached detail in .pdf of credit charge from XXXX online acct. ] I called the no., but because it was a weekend, no reps. were available. I called XXXX and indicated it was an unauthorized charge, since I had not ordered or signed up for any paid service from TransUnion. ( In the last month, the only thing I did was visit TransUnion 's website to create an online acct./profile, to enable me to temporarily lift my longstanding credit freeze online at a future date, if necessary. ) XXXX credit card 's rep. promptly accepted my disputed-charge complaint and reversed TransUnion 's charge. Only the next day did I notice, when I saw my XXXX online acct., that the {$19.00} TransUnion charge was listed as " Recurring. '' Today ( XX/XX/18 ) at XXXX Pac. time, I called TransUnion 's toll-free no. and spoke with tel. rep. XXXX ( employer ID # XXXX, based in XXXX ). I told her about the unauthorized charge and she sounded as if she didn't believe me. I explained I'd registered as a user on TransUnion 's site a few weeks ago, but had not signed up for any paid services. 

I asked what documentation or other authorization TransUnion had on file to justify their charging me $ XXXXmo. XXXX tried to change the subject and said she couldn't find any credit card charge on their system -- even though I was looking at the charge from XXXX 's online access, and had already given her the ref. no. and posting date. She didn't answer my question about what authorization docs. would allow TransUnion to charge me on a monthly basis. 

Then she asked for my complete credit card information, and I told her I was uncomfortable giving her this info. She said she needed it to complete her 'investigation, ' but I declined. This sounds like a scam ( if it was not, in fact, TransUnion 's real tel. no. ), and if it was TransUnion 's no., then they are charging consumers without authorization -- she never told me what the {$19.00} mo. recurring charge was intended to cover.
Product: Credit card or prepaid card

All of my credit cards and loan accounts are set to auto payments. I have never been late for any credit card payments. 

Citicards cancelled my autopayment on one of the cards in XXXX. I did not receive a single email or phone call regarding this. I received a call 34 days after the due date regarding the late payment. I immediately made the payment and called Citicards to  clarify the matter. Citicards credited the late payment and told me that they are not reporting this as a late payment due to COVID. 

I monitor my credit score and received a notification a few days later that Citicards had indeed reported this as a 30 day late payment. I called Citicards back and went over the situation again. I finally spoke to a supervisor that understood my issue and told me that they would report this as a banking error and the late payment flag would come off in the next 30 day cycle. Unfortunately, that did not happen. 

I have raised this issue with Citicards many times since the last couple of weeks but am not having much luck. 

Citicards cancelled my autopayment without proper notification. No email, secure message or phone call. Under CFR Part 1026.10 - Payments Section 10 ( f ) -4.v, if the card issuer can not charge a late payment for 60-day period, then the payment should not mark as late either.

CFR Part 1026.10 - Payments Section 10 ( f ) -4.v v. A consumer has elected to make payments automatically to a credit card account, such as through a payroll deduction plan or a third party payor 's preauthorized payment arrangement. A card issuer changes the procedures for handling such payments and as a result, a payment is delayed and not credited to the consumer 's account before the due date. In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day period following the date on which the change took effect for a late payment on the account.
Product: Debt collection

I have sent them request for more information regarding the debt they claim I owe them but they have ignored me letters. I have finally sent them a certified letter ( XXXX ) and waiting. I have disputed it with the credit bureaus but they did not remove this debt.
Product: Credit card or prepaid card

I was traveling across the country on XX/XX/XXXX when my card was used in my hometown at an ATM to withdrawal {$300.00}. I had the physical card with me in a completely different state almost 3000 miles away. Capital One let the charge go through and also charged me a {$10.00} ATM fee. I have been a Capital One customer for 15 years and I have never used cash advance and do not even have a PIN associated with my account. I called Capital One and they reversed the charges. It is now XX/XX/XXXX and they have reinstated the charges, claiming it was not fraud. I spent 2.5 hours on the phone with the company and was transferred to several supposed Account " managers '' all with common names like XXXX and XXXX. They claimed that I requested a new card the day before I left for vacation, which I explained this is my only credit card and that makes no sense that I would request a card to be sent to my home address when I am 3000 miles away with no other form of payment. Also, this is the first time I had heard that " I '' requested a new card and have no email notifications or account notifications from CapitalOne of this request. I also stated I never received this supposed card and they flat-out told me that I did receive the card, which is essentially calling a loyal 15-year customer a liar. I filed a police report about the fraud and informed capital one, and they said there's nothing they could do about it. I asked to be transferred to their legal department. They put me on a 20 minute hold and came back and said they could not transfer me. I work for a XXXX XXXX and have now sent a certified letter to the president of Capital One. I am simply asking for {$310.00} fraudulent charges to be erased from my account, and am in-turn being called a liar and being told there is nothing the company can do. I have sent proof that I was in a different state and have filed a report with the FTC and alerted the credit bureaus. Capital One is refusing to do anything about the fraudulent withdrawal, the ATM fee, and the card they supposedly sent to me that I did not request.
Product: Checking or savings account

On XX/XX/XXXX, robinhood said that my account will be closing and that they will return the funds to my bank account or have it available for withdrawal. 

From Robinhood... 
" Funds will be credited back to the account they were debited from or you will be notified of when theyre ready for you to withdraw. '' XX/XX/XXXX account was closed. 

Funds were not returned to my bank account nor do I have the option to request a withdrawal from my robinhood account to my bank account.
Product: Checking or savings account

I had fraud transaction and was denied my credit back for unauthorized XXXX XXXX  payments to a person I never heard of for XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. 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. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

The interest rate is 396 % and impossible to pay back. We borrowed {$2200.00} and will be paying back {$12000.00}. We have already paid {$2000.00} and have barely touched the principle. We make a {$340.00} payment every 2 weeks. Is there a way you can help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Product: Credit card

I explained to portfolio recovery to take my number off and to contact me only by mail and the representative tried to argue about taking my number off and I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX both have a debt listed on my credit report as " DEBT RECOVERY SOLUTIONS '' or " DRS ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items XXXX XXXXorrectly removed the debts, but XXXX XXXX XXXX both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!
Product: Debt collection

XXXX XXXX XXXX sent my bill to CDI AFFILIATED services for {$51.00}. I have a co-pay every time I see the dr and that MUST be paid before I see the dr . They schedule extra services " after '' insurance is verified that I will not have an out of pocket expense. The Dr. changed insurance payment and I never received an invoice. I continue to see the Dr. and was never advised I had a past due amount. I called their office and they advised since the changed insurance payment carriers they have no record. I looked at all my EOB and there is not one statement that shows I might have an out of pocket expense. Why would I go to a dr. and not pay the amount I owe? This appeared on my credit with no notice, no letter, no phone call XXXX 2015. I only came to realize this when I attempted to refinance my house and was denied.
Product: Mortgage

Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I filed a dispute with Transunion credit reporting agency requesting them to reinvestigate some information that I believe is being reported inaccurately under this account by the name of XXXXXXXX XXXX If you look at the documentation that I uploaded with this complaint of the dispute results from Transunion. You will clearly see this account was charged off by XXXXXXXX XXXX with a past due balance owed in the amount of {$1200.00}. Which the balance should show as {$0.00} because the company cancelled the debt and written it off on their business taxes for profit with the Internal Revenue Service ( IRS ). Which is also now considered to be individual gross or ordinary income for me as the consumer according to federal tax laws. And income does not supposed to be reported on any consumer reports according to the Fair Credit Reporting Act laws.
Product: Credit card or prepaid card

Someone tried to open a credit card under my name using XXXX XXXX. My identity was stolen
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I moved from XXXX to XXXX and attempted to title and register my car in XXXX. XXXX DMV asked me for title. I reached out to BOA for assistance, but they did not take any action.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The agency is attempting to collect {$2800.00} after the dismissal of a successfully completed Chapter XXXX.
Product: Credit reporting or other personal consumer reports

For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have a Mortgage with JP Morgan Chase Bank NA for my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 
Account No XXXX. 
My insurance expired on XXXX i have email/ mailed/ faxed them my current insurance invoice numerous times. They never paid that invoice and have taken a very higher amount insurance on my property, which will raise my monthly payment very high. 

I called there number it all machine no live person to explain the situation. 

I need help to solve this problem i can not afford higher payment. 

XXXX XXXX