23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a response to Complaint # XXXX. This is a response to the violations that where violated within the Auto Contract/ Consumer Transaction. This complaint is going over some of the violations and pointing out the laws that where broken. In USC Title 31 Section 3123 States that '' The Us Government has an obligation to pay 'dollar for dollar ' principal and interest in legal tender ALL DEBTS accrued by the American People '' ( which I Am an American Citizen ) My Social Security belongs to the SSA and any transaction in regards with my social security pays for whatever it is being used for which clearly it was used in the attach documents below stated in TRUTH IN LENDING 15 USC 1601. BEST XXXX XXXX XXXXCAPITAL ONE falsely misrepresented in stating that they are the Seller-Creditor. 15 USC 1602 TRUTH IN LENDING Definitions and rules of construction states " A Creditor refers only to A PERSON who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required ( which in this case was Me, I was the one who extended the credit. I ask Capital one to send a validation of debt breaking down all fees and charges. They didnt send the Finance Charge breakdown. Also XXXX XXXX XXXX XXXX CAPITAL ONE never disclose to me MY RIGHTS OF RESCISSION ( 15 U.S. Code 1635a ) which is a violation of Truth in Lending, this makes them criminally liable for willingly holding out this information and civil liable which is double the FINANCE CHARGE ( {$8000.00} ). ALSO within the first letter i sent i ask to cease all contact and for them to stop reporting to the credit bureaus until all matters are handle and they have not yet accept my wishes i still get calls text messages which is harassment and consider a civil violation as well under 15 USC 1692D!
Product: Student loan

I lost XXXX points on my credit score over a student loan that I don't have.

Firstmark service comes up with the incorrect information. My son has a student loan who is the primary owner and is still in school. Even if he is paying a little of his loan now I should not be blame or points taken away on my credit score. Please advise. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items CHILDSUPPORT XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company called Diversified Consulnts claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of child support on my credit report .Under the fair credit reporting act ( FCRA ), 15 U.S.C XXXX per XXXX XXXX  ( a ), adverse information can not be reported beyond XXXX years unless legally exempt, and all reported data must be accurate and verifiable under XXXX i, if this entry is outdated, inaccurate or unverifiable, i request immediate removal. 
XXXX. Dispute # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX.Dispute # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with Trans Union, and 3 pts with XXXX ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both XXXX and Trans Union about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.
Product: Debt collection

Haven't responded to my letter requesting Verification. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.
Product: Debt collection

XXXX/dba/XXXX/dba/XXXX  RE-AGED and RE-ADDED a UNOWED debt of {$620.00} on XXXX XXXX, placing it on my XXXX, XXXX, and XXXX XXXX XXXX  On XX/XX/2017, I, XXXX XXXX XXXX filed a complaint here with consumer finance ( see attachment ) case # XXXX. Within this complaint ( # XXXX ) the debtor sent a request to all three credit bureaus to remove the account from my credit report, in which they did. Fast-forward years later an alert from all 3 major credit bureaus of the collections placed onto my credit report. 
The debt was RE-ADDED to my credit report as a new account ( which is the same old account ), with the same debt amount. 
The debtor did not communicate with me at any time concerning re-adding this un-owed debt, including never sending written correspondence to my home address, meaning they never identified who they were, who they are collecting on behalf of, nor the balance owed.The debt collector did must advise me that the debt was going to be re-added, so that I would have the opportunity to assert my rights under The Fair Debt Collection Practices Act, which would have given me 30 days to demand as has the agreement had been violated, before placing it on my credit report. Whereby I could have reintroduced the former agreement that the debt was removed from my account years before, and the debt was not owed.
Product: Debt collection

My name is XXXX XXXX I am a natural person and a consumer, on Monday, XX/XX/2021 I received a call from XXXX at Navy Federal contacting me alledging I owed a debt. I informed XXXX that was a direct violation of the FDCPA 15 USC 1692 ( a ) ( d ) ( e ). She continued to demand that I owed on a car and loan. I questioned her and politely asked her to define loan. I then asked XXXX what did Navy Federal loan me? Was it credit or USD? She did not answer and continued to raise her voice and demand I pay and make payment. I asked her to stop alledging I owed a debt and that her continuance into violating my consumer rights would result in navy federal being fined for violation of my consumer rights. She continue to verbally assault, and emotionally assasinate me as a consumer and caused grave emotion damage. After then placing me on a extended hold a supervisor by the name of XXXX XXXX chimed in to inform me he was the supervisor and that he was in charge of collections and could call at anytime and point about their accounts I asked XXXX if he was aware of the FDCPA and XXXX responded it did not matter, I then informed XXXX he had no right to alledge I owed a debt. I submitted a remittance payment with Navy Federal on XXXX XXXX, 2021 sent certified mail.
Product: Debt collection

Continued harassment from XXXX XXXX a collection company for XXXX trying to collect on a Fraudulent account. I reported this a fraud, as this is not my account. The T-Mobile phone I had as paid in full years ago. I paid in full because I was dissatisfied with their service. They continue to post this on my Credit Report for the last 4 years causing my credit rating to drop from an Excellent to XXXX effecting housing and employment opportunities. Contacted XXXX, they said this is not on report and refuse to move this company and update my report.
Product: Vehicle loan or lease

Ally is refusing to credit  a 3 payment rollover ( {$820.00} ) from our  previous lease, that  XXXX   XXXX  took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting negative reports and affecting my basic human rights to survive as a man I am getting denied basic needs such as housing, shelter and personal needs to live. My SSN was found on the dark web.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of XXXX days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Prepaid card

On XX/XX/XXXX I sent {$1400.00} using bank to bank transfer from an online company called Money Network. Upon realizing no money was pending in my account 2 business days later, I called XXXX XXXX to see where the money was. They had never received any money to come to my account. The lady from XXXX XXXX told me ask Money Network for a 15 digit code. Money network told me and still are continuing to tell me they never had an ACH code or 15 digit code. Finally last week I put XXXX XXXX and Money network on three way with me asking them for help and to let XXXX XXXX know I was not joking around about not being able to give them the ACH number to help me. I filed a dispute with Money Network since they are the one who couldnt provide me a tracking number to even stop my funds! It is going on a month someone has spent they money probably and I STILL CAN NOT GET ANSWERS. They denied my appeal and my main dispute not even 24 hours later. That money came from the VA dependents chapter 35 to help me with my bills, I am currently behind due to money network not taking my investigation more seriously. The account number they are saying its in I have no clue where those numbers came from and the reason for my denial was because XXXX XXXX reviewed the money so they did their part.
Product: Debt collection

I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. As a result of the damage has been done I have not only been experiencing severe XXXX, but also struggles with my finances, and issues in my marriage.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit card

Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.
Product: Credit reporting

XXXX several occasion I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting XXXX XXXX XXXX credit cards, XXXX XXXX XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. On XXXX/XXXX/15 I tried to dispute the XXXX XXXX XXXX credit accounts on my credit report with Experian, and Experian said that I could not dispute the items because they are paid. So if the items are paid why are they being reported as deragatory or negative item and why I am not allow to dispute these items. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. XXXX is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit report.
Product: Money transfer, virtual currency, or money service

When contacting cashapp I was able to dispute purchases like XXXX or XXXX orders however was directed to a 24/hr support that would just tell me I cant dispute any purchases using cashapp. 

Also allowed someone send me money then DISPUTED it on their side. Meaning I was selling a watch to a buyer and after I sold the watch, you let him steal it from me by giving him his money back and taking it back from me. 

I filed many disputes with cashapp and it was rare to get a resolvement - Ive lost money which is why I started receiving money and payments with XXXX.
Product: Mortgage

Have been paying extra since the beginning of my mortgage. Company has been crediting my account as future payments instead of applying to principal balance. Listen to consumer advise program where I learned this is a method companies use to cheat the customer out of legitimate savings when paying extra, previously unaware of this practice. Went over mortgage statement and found out that is what Chase has been doing in my case.
Product: Credit card or prepaid card

Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!
Product: Debt collection

The first time I call this company a lady answer the phone and I told her I wanted to settle this debt. She told me that the city of XXXX do not settle any debt. I call another time and spoke with a guy about payment options and what I can pay on a month to month based. I did made a payment towards this account for XXXX . I am disputing because I want to settle this debt and have it removed from my credit report file. On My credit the balance is showing incorrect. 

Attached will be the photos from my XXXX XXXX account about this collection. 

XX/XX/2018 payment of XXXX $
Product: Checking or savings account

On XX/XX/2022 Navy federal transferred {$1800.00} from my savings account to another savings account within the same institution. Navy federal advised that they were able to make the transaction since I am a joint owner to the account in which they transfer my money to. I was made a joint owner by navy federal bc this is what they require when you open and account. They did not give me any prior notice to transferring money from my savings account to this other account. I'm in the middle of a housing transaction in the middle of purchasing a home!!!!! and this transaction can cause me to lose my financing. They transfer the money from my account because the other account was overdrafted due to fraud even though the transactions have already been disputed and reported. They should not have taken money from my account!! My account is not connected to this other account. Please put my money back!!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

Transunion has failed to conduct a proper investigation and correct the items in error on credit report. 

For XXXX XXXX Account status reports as Derogatory on Transunion and XXXX but still reports open on XXXX. 
Date of last activity reports as XX/XX/2020 on Transunion, XX/XX/2020 on XXXX and XX/XX/2020 on XXXX. 
Date of last payment reports XX/XX/2020 for Transunion and XXXX but reports XX/XX/2020 for XXXX. How can these be accurate when the payment history for XXXX  and XXXX shows that the last payment was made in XX/XX/2020 but shows 30 days late for XX/XX/2020? In addition, there is no payment history for Transunion on account to show proof of late or delinquent payments? How is this reporting accurately? 

For Chapter XXXX Bankruptcy Three different court names that are invalid and inaccurate are being reported for this account. According to the FCRA information being reported on a credit report must be accurate and reporting the same across all three bureaus or it must be deleted from a credit report and no longer reported.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )