23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX,
Product: Credit card or prepaid card

I signed up for a Citi Premier card and was supposed to receive a bonus of XXXX points. the bonus terms stated that I would not be eligible if i had opened or closed a Thank You points account in the past 2 years. I had not opened or closed any accounts, in fact I have 2 open with them apart from the one in question. I called several times and was told the issue would be investigated, and it never was. One of the issues in identifying the problem was also that I needed to change my credit card number at one point due to having lost my cards, which made the process more confusing to the representatives. Finally I spoke to a lady who seemed very knowledgeable on the issue, and she told me she believed the issue was due to me having downgraded a card to a no annual fee card. We both agreed that a product change was not a opening or closing of an account, and that the bonus should have triggered. She said she would forward the issue to a department and have it investigated. It's been several months, and the bonus was never put onto my account.

Furthermore, I also requested a new card be sent to one of my authorized users who was stuck in XXXX. I was told multiple times on multiple phone calls that the card would be sent. I gave the representatives the address in XXXX multiple times, and every time, the cards would be sent to my house, many many days later, instead of where I needed them to go.
Product: Debt collection

Is a medical deb from Phoenix financial opened on XX/XX/XXXX it says but I had never been on a er I have health insurance a what happen was I lost my personal paper birth certificate nd never find em who know were the end up this was 3 year ago maybe My concern is did some. One ever. Did find my paper cuz I know for sure I didn go to no er or what ever medical issue was charged
Product: Checking or savings account

This complaint may have to be handled by the Federal gov. This is about holds made on out of country purchases and especially the amount of time held to clear money being held. I made purchase out of country and someone took out the full amount plus charge for doing purchase then XXXX hours larer took out the actual amount and now gets to keep the first withdrawl for 10 days without paying interest and most important locks up that first withdrawl so I can not use funds for 10 days. If I had {$1000.00} in my account and bought something for {$500.00} and this practice takes out {$500.00} plus their fee to hold then when they do take out the original purchase there would only be {$490.00} in account. If a check can be cleared in XXXX hours so should debit cards. This happened with US BANK but it sounds like other banks do the same.
Product: Credit reporting or other personal consumer reports

Recently I looked at my a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 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  {$940.00} XXXX {$810.00} XXXX XXXXXXXX {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX XXXX XXXX  had agreed to remove the inquiries. I will show a picture of my transunion report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The loan agreement involves a 169.4856 % APR on a {$2500.00} installment loan from XXXX XXXXXXXX XXXX XXXX  XXXX, a Utah-based lender.

Im unsure of its legality under Florida law : 1. Usury Limit
s in Florida General cap : 18 % APR for loans {$500000.00} ( Florida Statutes 687.03 ).

Title loans : Capped at 30 % APR for the first {$2000.00} ( Florida Title Loan Act ).

Payday loans : Fees limited to 10 % of the loan amount ( 400 % APR for short-term loans ).

Your loans 169 % APR exceeds all these caps. Even under Floridas revised consumer finance loan law ( 2024 ), which allows 36 % APR for loans {$10000.00}, the rate is illegally high.

2. Governing Law Clause The contract states Utah law applies, but Floridas usury laws likely override this. Courts often enforce state consumer protection laws ( including usury caps ) regardless of choice-of-law clauses.

3. Federal Preemption Banks vs. non-banks : Utah state-chartered banks like XXXX XXXX XXXX are not exempt from Floridas usury laws under federal preemption ( unlike federally chartered banks ). 
This is the payment history and Im in debt even more than the original loan {$2600.00} after made 11 payments : Event ID Date Type Status Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XXXXXXXX XXXX XXXX I been trying to dispute a late payment on my transunion and Experian report and the credit bureau have just been giving me hard time after providing several bank statements that it was paid in XXXX and I wants late. This is becoming so fustrating my credit score dropped tremendously. I wants late the lte charge removed immediately.
Product: Vehicle loan or lease

I purchased a new Nissan Juke on XX/XX/XXXX from XXXX XXXX in XXXX XXXX, MD. I traded-in my XXXX Nissan Versa for {$7000.00} and arranged for financing through the dealer. My credit score was XXXX. I owed final payment of {$180.00} to Nissan Financing, the Versa lean holder, that I paid directly to XXXX XXXX in my contract. 

The loan officer neglected to process the purchase and financing contract for my new Juke unbeknownst to me. I received a phone call from the financing manager of XXXX XXXX in XX/XX/XXXX. He told me that I needed to provide financing for for the car I purchased six weeks before on XX/XX/XXXX. Additionally, they said that we needed to sign a new purchase contract and that I must come to the dealer immediately. I told that since it was their error they must meet me at my convenience and they agreed. 

They told me that the finance representative, who had been fired, did not process my purchase contract and loan. Expeditiously, I arranged for financing through XXXX XXXX at a rate of 3.47 % and provided payment for my Juke to XXXX. The loan arranged with XXXX on XX/XX/XXXX through dealer financing was 2.24 %. Their negligence cost me money. 

The finance manager came to my home in XXXX, MD from XXXX XXXX, MD on Friday night at XXXX to complete the purchase paperwork, which also had to be redone for no clear reason. The paperwork was profiled and backdated to show a date of XX/XX/XXXX. It was already XX/XX/XXXX. I was told that " it had to be this way and to sign. '' The finance manager and other members of the department were also subsequently fired. There may have been grave departmental issues in the finance department at this dealer. 

XXXX XXXX did not process my Versa pay off with Nissan Motor Acceptance Corp financing until XX/XX/XXXX. As a result of the delayed processing, I am showing 60 days late on my credit report from Nissan for non-payment. I discovered this when I applied for a mortgage to purchase a new home. My credit score is now XXXX. My home loan officer told me that there is preferred financing rates had my credit been higher, in fact XXXX or above! I have not had any derogatory items since the XXXX issue. I do not keep a balance on any revolving debts. 

I wrote an email to the finance manager via XXXX 's webpage Contact Us section on XX/XX/XXXX. My email went unanswered. I went to the dealer in XX/XX/XXXX to resolve this issue with them directly. They have dragged their feet and disregarded my concerns so I am contacting the CFPB. I can provide additional details for this complaint including copies of the original and duplicated purchase contracts, both financing contracts, and the Versa pay off notice. Please contact as soon as possible. 

My spouse helped me write this email. I am XXXX and my English is not strong enough for communicating a complex issue like this one, however I am quite capable in everyday English conversations. I now understand that one of forms I signed said that I would continue to make payments on my Versa loan. I did not understand that at the time since complex contracts and fast talking sales people are problematic for non native speakers.
Product: Debt collection

I am carrying a negative balance on my PayPal account and they sent me to collections. 

In the notice that I was being sent to collections, there was, as law requires, an option to say I did not want to receive further communications at that email regarding the debt from the collections agency. 

However, to access that option, you had to log into your PayPal account, which had already been locked. So, in practice, there was no realistic way for me to get them to stop emailing me, a right guaranteed to me by law. I couldn't log in to opt out because they locked me out. 

It seems to be like they are skirting the law on this one. PayPal doesn't have a stellar record with the CFPB, so I'm not shocked.
Product: Credit reporting or other personal consumer reports

I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : 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 was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

So Im trying to get a loan my credit was atleast in the 600s while I was XXXX and now its dropped tremendously and I dont know how I havent done much but I tried to apply for a loan through navy fed on XXXX and one time for XXXX I guess it affects your credit but my credit is constantly dropping and I have no clue why I havent been late on payments or nothing and need to find out and maybe have some things removed I guess
Product: Credit reporting or other personal consumer reports

Equifax has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation into disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, citing systemic failures such as neglecting to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. On XX/XX/XXXX, Equifax was fined for similar violations. These systemic issues mirror my own experience, where Equifax has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts in compliance with federal law and uphold my consumer rights. Details regarding the disputed accounts are included in the PDFs I am submitting with this correspondence. 

Additionally, I lost my job in XX/XX/year>, yet both XXXX  XXXX  and XXXX XXXX XXXX are reporting that I made payments during this period. I did not make these payments, and Equifax 's investigation into these discrepancies appears to have been fraudulent.
Product: Debt collection

I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.
Product: Credit reporting or other personal consumer reports

****************************NOT A DUPLICATE************************* Experian is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companies to seize all communications but are still communicating via credit reporting company Experian. Under the FDCPA regulation 15 US Code 1692 -C ( Ceasing communications ) Experian is violating my rights by illegally reporting the following items. XXXX. XXXX XXXX XXXX Account # XXXX Please have Experian remove these immediately as it is a violation of my FDCPA federal rights section US CODE 1692-C.
Product: Checking or savings account

I ordered a product on line from a company that used the name XXXX XXXX XXXX. 
I ordered one bottle of skin tag remover which should have been {$39.00}. They had a promotion that you would received 3 bottles for the price of one. They charged my debit card immediately for {$190.00}. I tried to cancel the order but was told it was already being processed. So I filed a dispute with my bank, Truist. The bank gave me a provisional amount for XXXX since I had agree to the {$39.00}. A few days later I received the material and immediately call the company and asked for a RMA to return for a full refund. I was given the RMA and the address where to return. I received confirmation that the material was received on XX/XX/23 at their Fulfillment Center in XXXX FL. I ordered the product on XX/XX/23. Once I knew the material was received I contacted the vendor to ask how long would it be before I received my refund. I was told since I filed a dispute with my bank that they would not refund my money until the dispute was closed. So I was told to have the bank, myself and the vendor on line to verify that the bank closed the dispute. After I was told by the bank that my dispute was closed I called the vendor and asked again when I would receive my money. Then I was told that they could not refund my money since it was over 30 days from the purchase date. The bank since denied my claim and debited back the provisional money. I went to the bank and the manager opened another claim once I explained the situation. That claim was denied and I was told to resolve with the vendor. This vendor obviously scammed me out of {$190.00} and my bank will not help me get it back.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> 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.
Product: Credit card or prepaid card

I am XXXX. Communicating by email works best. 

I have a Best Buy credit card issued by CITI. 

In the past, I noticed there are charges for 'debt protection insurance '. I did not know about this, not did I knowingly sign up or agree to anything of this nature. I called and had it removed before and informed them that I want that to cease entirely. I was told it was removed and stopped. 

I am now seeing the same charges monthly. I would like all of them removed going back to the date of opening this credit card. 

XXXX XXXX