23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I wrote to Capital One asking them to verify this debt by sending a 1099-C since the debt was charged off, A credit card company is supposed to issues a 1099-C once it believes the money will not be paid back and it will be stopping its direct collection efforts to try to get you to pay back the money. The 1099-C form is issued for debts with an outstanding balance of {$600.00} or more. Capital One responded on XX/XX/2022 saying that the debt had been sold to another company ( XXXX XXXX XXXX XXXX XXXX ). I don't understand how this is legal. Their tactics are illegal and against the law and I don't have time to keep chasing down debt collectors if they are unable to provide proof then it needs to be deleted off of my credit history. This is stopping or holding me up from filing taxes and I have very limited time also obtaining any credit.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Debt collection

Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 card

I made my payment through my bank on XX/XX/2023 and my bank shows the funds were withdrawn on XX/XX/2023. Capitol One is holding my payment until XX/XX/2023 to ensure that the funds are not returned. If my bank released the funds and I did a bank to bank transfer no check required, why are they holding my funds? Do they make interest on my money that they are holding? Just curious how they can hold my funds hostage. Thank you for your help. Capitol One representative stated that once a relationship is established with my bank then they might not hold the funds for as long ; they will still hold my funds just for a shorter time period POSSIBLY. My bank is a national bank - I would think they have a relationship with Capitol One already.
Product: Mortgage

I have paid this loan for approximately 10 years ( XXXX to current ). 

The original loan amount {$60000.00} Current balance {$49000.00} Pay down over 10 years {$11000.00} Annual principal reduction per year {$1100.00} Projected Loan Pay Off XX/XX/XXXX( I 'll be XXXX years old ) I believe that the loan is a Predatory mortgages and is unfair and abusive. The terms of this loan maximizes the lender 's profits while making it very difficult for me to repay the loan. I have little financial knowledge and minimal financial resources. 

I am uncertain if Wells Fargo has violated the federal Fair Housing Act by engaging in lending practices that favor the lender not the homeowner. This is a very bad loan for my circumstance which can result in foreclosure from a single unexpected change in my lively hood or health. 

To worsen matters, Wells Fargo has placed PMI insurance on my second mortgage even though I have an impound account with my first mortgage company. My first mortgage is and has been current. I have asked Wells Fargo to provide me documentation substantiating the additional fees yet they has not provided me any information.
Product: Vehicle loan or lease

took a loan on my car several months ago back from titlemax in XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX meet with a rep her name was XXXX XXXX # XXXX. I first told her that all I need was $ XXXX loan but she persisted & continuously suggested I take $ XXXX loan instead & would give me a great rate. well I did take that loan figuring it would be alright but with great hesitation on my mind that I should not take it! 
but after being in there for like an hour or so & XXXX continuously saying take the $ XXXX i did cause she said the rate with be a good XXXX & she already transferred the money into my account I toke the whole amount. well to this date I am still paying for this loan & after seeing what kind of rate she gave me was a complete outrageous rate that I could ever pay back, & they keep saying that there going to repossess my vehicle anyday when I don't pay on time now. I struggle to make those payments ever month. I have heard several stories about this company & all are horrifying from people taking loans that they should have never taken out from this company. 

I have repeatedly told XXXX I didn't need the $ XXXX cause it was too much money to loan for me to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BOUGHT A CAR FROM XXXX XXXX XXXX IN XXXX WV. THE DATE THAT THE CAR WAS PURCHASED WAS XXXX XXXX 2019.THIS WAS A USED CAR AND AFTER 2 WEEK I STARTED HAVING PROBLEMS WITH THE CAR. 

THE COMPANY TRIED TO FIX THE CAR BUT THE PROBLEM WAS STILL THERE. AN OFFER FOR ANOTHER CAR WAS OFFERED IN XXXX OF 2019. 

PLEASE NOTE THAT WITHOUT MY PERMISSION MY CREDIT WAS PULLED WITH SIX DIFFERENT COMPANIES. THE COMPANIES WERE XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY WERE ALL INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES WERE ALL ON EQUIFAX. 

I HAVE NOTIFIED EQUIFAX THAT I DID NOT AUTHORIZE THESE INQUIRIES. EQUIFAX RESPONDED IN 2 DAYS THAT THIS WAS FACTUAL REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for Experian is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.
Product: Payday loan, title loan, or personal loan

Affirm is reporting my installment loan as 30 Days late when I do not recall ever being late on this account with loan number XXXX. 

Furthermore they are charging 26.36 % APR. Per Florida Stature 687.07 Usury is the charging of interest on loans at a rate that is higher than is permitted by state law. In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid.The lender can recover only the principal loaned.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Our original goal was to update my spouse 's name on her Citibank Costco Anywhere Visa Credit Card from Citibank. We have had this credit card since XXXX. 
Per Citibank & Costco, we were to go into our local Costco, update her name there first then contact Citibank to receive a replacement card. We went to our local Costco at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and quickly updated their information with the updated last name. 
The same day, I requested a replacement card from Citibank through their automated service. This takes 5-7 business days. 
After two weeks/10 business days, we did not receive a replacement card. 
I attempted to use their automated service 3-4 more times before calling them on/around XX/XX/XXXX to speak with someone to issue a new card. 
The person I spoke to put a rush delivery of 1-2 business days on this request. Unfortunately, it never arrived and I have then chatted with Citibank via their online support through Citi.com numerous times to request a replacement/new card with the most recent times on Friday XX/XX/XXXX and Thursday XX/XX/XXXX. 
After every contact, they verify my address, answer a few questions as to why this is taking 1, 2 and now 3 months for a replacement card and " send '' a replacement card with either rush delivery or normal delivery but has never arrived. 

Separate from this, an address update request was unfortunately automatically & incorrectly updated by USPS to Citibank on/around XX/XX/XXXX. This was due to my father in law moving out early in XXXX, putting a notice into USPS and because his last name and my spouse 's maiden name are the same, they incorrectly thought her mail should go to XXXX and notified Citibank of this. I don't believe this is still a problem, but could have been an issue on our first request. This was updated around XX/XX/XXXX on Citibank 's website so all addresses on our account with Citi are the correct mailing address going forward to today.
Product: Credit card or prepaid card

Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. 

While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. 

I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. 

I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4  times ).
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

This collection agency is suing me and I haven't received any copies or any information about the debt they claim I owed them. They sued me and sent me a letter with index number XXXX the letter doesn't state how much money I owe and it doesn't state what company is suing me. I can't take days off to go to court as I'm working and I'm a single parent only one income not enough to cover my bills. I need to find out if I owe this debt first so that I can see what to do next. I've also checked my credit report and there's no account for Velocity investments.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request thatyou take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.
Product: Payday loan, title loan, or personal loan

Please note this company is violating the law and operating illegally. They have broken the following laws mentioned below : 2C:21-19 Wrongful credit practices and related offenses.

17:15A-47 Prohibitions for licensees. 

As a New Jersey resident, these laws need to be followed. This company is unlicensed to operate in Alaska and NJ. They are also operating as an illegal rent a tribe company which is a common scheme amongst tribal loan companies. In New Jersey, the 30 % usury limit is well within an affordable range for most consumers, making the traditional payday lending trap illegal. MINTO MONEYS loan agreement is unenforceable in state courts, including New Jerseys. They need a specific lending license to operate in each state, and this tribal lender doesnt have a license to operate in the state of NJ. As a result, they cant sue me in a court that has any authority to garnish my wages or force me to pay. MINTO MONEY is illegally charging me 701.59 % in interest which I did not agree to. The max cap is 30 % which they did not abide by. 

NJ enforces the statutes that protect consumers against predatory lenders. The New Jersey payday loan / tribal loan laws are much more restrictive than the regulations in other parts of the country. Theyre one of only 16 states that have banned the practice outright via reasonable rate caps. Fortunately, there are laws aimed at protecting borrowers against loan sharks and other predatory lenders. 

These laws cap interest rates, ban discriminatory practices, and even outlaw some types of lending. New Jersey notes that tribal lenders are not exempt from state laws relative to lending including rate caps and that any exemption for tribal sovereignty only governs loans issued on tribal land, rather than loans issued over the internet. They take advantage of people like me in desperation for financial assistance. 

I also never gave them authorization to take debit card payments from my account or ACH. I would call in the payments and they proceeded to charge my debit card without my consent. 


Link to MINTO LOAN class action lawsuit : XXXX XXXX XXXX  The faux tribal payday lending model has always been based on the mistaken belief that payday lenders could evade state laws by hiding behind Native American tribes. The Supreme Court has long made clear that tribes must obey state law when they operate off reservation, and that is true of online tribal payday lenders as well. This decision follows the path laid out by the Supreme Court in a 2014 decision showing how to enforce state law against purportedly tribal entities. 


There is a class action suit against them for A. not being licensed in AK, B. not being licensed ANYWHERE, and C. lying about even being affiliated with a tribe. They should be ashamed of themselves for lying and stealing from desperate people who need money to make ends meet.