23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM XXXX, EQUIFAX, XXXX AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) {$1700.00} AMOUNT XX/XX/XXXX DATE XXXX ACCOUNT NUMBER XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) {$1000.00} AMOUNT XX/XX/XXXX XXXX ACCOUNT NUMBER
Product: Credit reporting or other personal consumer reports

These late payments arent in line with my typical payment record.
Product: Credit card

We had loss of work do to a bad car repair asked Citi for forebearance to catch my breath and requested for my insurance on card to help been paying {$27.00} dollars a month for it no help mean while Citi added lots of new fees almost a {$1000.00} in interest and not much to principle I want them to be investigated for predatory lending
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX for their failure to properly investigate disputes regarding inaccuracies on my credit report. Despite my numerous submissions, XXXX consistently responds within XXXX hours asserting that the account is accurate, but they fail to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as indicated in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
These are the accounts that I marked as inaccurate. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I urge the CFPB to take action to ensure that XXXX complies with federal law and provides consumers with the necessary proof of their investigations. It is vital for consumer protection and the integrity of our financial information.
Product: Debt collection

Capital One admitted in writing in response to my previous complaint they have no contract because they are alleging I signed up via telephone which is a false statement. No contract means no consent. No consent is fraud. Also where is the recording of this alleged transaction? It doesnt exist because it never happened. Intentionally lying on me is defamation of character. They are currently garnishing my pay leaving me no money to pay my bills and get my medication. This is causing me injury. They put a judgement against me although I was never properly notified or given a chance to dispute the validity of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent in letters to the credit bureaus informing them that they have been reporting inaccurate and unverifiable information to my consumer report. I've waited over 30 days and have yet to receive a response from them. They're not only in violation of the FCRA but they're violating my rights as a consumer by reporting these items. I feel like I am being taken advantage of and my problems aren't being addressed. If these accounts aren't removed immediately I will be forced to file for litigation. Please help me with this. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : 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 ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I reached out to Ally 's fraud department on XXXX and spoke with XXXX and XXXX. They tried to say the debt an auto loan from XX/XX/XXXX belonged to me. I asked for pictures, video, and documents showing the account belonged to me. The gentlemen said the information ( proof ) was sent by mail back in XXXX. I have never received anything in the mail. The company has tried to scheme payments through a collection agency as well. I was told to contact XXXX who was not very much help but referred me to this department.
Product: Credit card

I paid the balance of this credit card on XX/XX/2023. I have called XXXX multiple times to get these fees and interest reversed. I was told that the account is closed and the fees and interest cant be reversed. The last representative that I spoke to said XXXX dispute resolution department would reach out. I have heard nothing.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by TransUnion XXXX I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
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  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

My mother and her ex friend received a call and I have no clue as to how their number was obtained
Product: Debt collection

My wages were garnished for the full amount of the judgement with proof on pay stubs and my employers payroll department producing proof of payment only for them to say that every payment received was forged and NSF. They turned around and put it right back on my credit report. Im not the only one they have done this to. Nobody is stopping them from this scam.
Product: Consumer Loan

I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. 

Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus. 

I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings. 

I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every month.
Product: Checking or savings account

Citi bank blocked my account since XX/XX/XXXX with XXXX $ and they closed my account with no explanation I called them 100 time send email and even went personal top the branch but no one is telling me the reason why my account was closed or where is my money. I called again today and they told me my money was sent to a XXXX and then hang up on me. it's been 94 day since they blocked my account and no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ( XXXX ) aM a victim of identity theft. I already contacted the police, the creditors, and I filed a FTC REPORT # XXXX. I sent each credit reporting agency a statement letting them know that these accounts were fraudulent on XX/XX/2021, and they completely ignored my request and consumer rights. Please remove immediately under 15 USC 1681c-2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.
Product: Mortgage

My wife XXXX XXXX XXXX and I closed on a new mortgage loan with XXXX XXXX on XX/XX/XXXX. Per the rate environment, we entered into a XXXX XXXX of the same date. Said Agreement allowed for the reduction of the interest rate for the next XXXX ( XXXX ) years. Based upon the rate and term, the XXXX payment was {$XXXX}. By letter dated XX/XX/XXXX, we were advised by XXXX XXXX that said loan was being transferred to XXXX Mortgage effective with the XX/XX/XXXX payment. On XX/XX/XXXX, we recevied a letter dated XX/XX/XXXX from XXXX announcing the transfer from XXXX XXXX. We tried to make the payment online yet that did not work. So we contacted the XXXXXXXX XXXX XXXX number to be advised they had the loan yet it was not setup on their system, therefore, they asked we call back another time. When we called back days later, ( before any late charge date ) they advised us the payment amount was {$XXXX}. I spoke with a Customer Service rep who advised us that was the payment in their system and same could not be changed. I asked if they access to the loan documents as the rep responded " I can review ''. We held on the phone while they did a review. He came back on the phone and agreed with the paymet amount we had given him yet he said he must have this reviewed by another deppartment. Again, the process continued. Without resolution, we received a " Welcome to Chase '' letter dated XX/XX/XXXX. This letter stated they are now the owner of our mortgage and payments are to begin coming to them on XX/XX/XXXX. My wife contacted Chase by phone to be not well recieved. The call was supposedly recorded. The rep was very rude and condescending. She provided, still, the incorrect payment information. We have never been late and are most assuredly current. By letter dated XX/XX/XXXX from Chase, they asked if we were experiencing difficulties with our mortgage also providing the wrong payment amount. Having been in this business in excess of XXXX  years, the way this has been handled by both XXXX and Chase have been disgusting. The transfer process should never be this cumbersome, rude and most assuredly inept.
Product: Debt collection

Nothing happened. I did request a copy of the original contract that has not been released to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX  Transunion and XXXX  are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report to Equifax that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. XXXX is reporting activity dates to Equifax but Equifax does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

sending me bogus letters about a debt that I do not owe David a fernandez pc  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I switched payor accounts for one of my Capital One credit card accounts. My credit union gave me the incorrect account number to use for my checking account. The payment was returned due to the incorrect account number. After speaking with Capital One, I was reminded that this happened once before in XXXX of XXXX, same situation. I hadn't remembered this but when reminded I do recall. It never seemed like a big deal at the time nor did they alert me that this was a big deal. It was an error at the credit and I wasn't even past due. I figured, no harm, no foul, fix it and move on which I did at the time. 

Well after this recent mixup on XX/XX/XXXX, Capital One closed the account due to too many bank returns. I spoke to XXXX and Customer Service Leader XXXX at the XXXX offices who both told me there is nothing that can be done. They have no grace period or process to correct a simple error. On top of that they closed my other account with them and again, have no process to reverse this action other than the advice they gave me to just open another account. Again, both accounts have ALWAYS been up to date and paid as agreed. 

Well the BIG problem here is I am rebuilding my credit and the fact is that two closed credit card accounts are going to have a negative affect on my credit. Applying for new cards will negatively affect me as well and I am not sure I would even qualify. 

My complaint is that Capital One can single handedly with no regard or recourse for a consumer, are allowed to make decisions that will have such a negative affect on a consumer. With that said, I am sure in their " fine print '' I would find that they can do whatever they want whenever they want but the bottom line is this, what that did to me is unethical and will cause me harm. The harm is that my credit rating is going to take a hit costing me more money. I most likely will have a difficult time getting another card and all of my direct pay accounts attached to this card are going to be useless causing me further hardship as I have lost a necessary tool to manage my cash flow needs. 

In my opinion, consumers need protection from this type of unfair business practice.
Product: Credit reporting or other personal consumer reports

I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

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

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/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.