23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXX for {$100.00} and received it same day. I attached my XXXX  checking to the account and my loan was due on my next payday which was XXXX, I get paid biweekly. I wake up on XX/XX/XXXX and see they have drafted my account {$110.00}. I was NOT paid on XX/XX/XXXX and now Im short money. I called to get a resolution and they would not let me speak with a supervisor. They escalated my concern and thats all. Oddly enough, after getting the advance, they did not send an email with the repayment terms nor can I view the terms in the app.
Product: Debt collection

I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period.
Product: Credit reporting

open judgements being investagated since 2011 sill in pending stausnot completedall judgements dismissed with courts
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 B I am requesting experian, XXXX, and XXXX to show proof of transactions on my XXXX  and XXXX accounts that I was ever late. I previously disputed and requested them to validate the inaccuracy of information reporting on my account and they have failed to do so.
Product: Debt collection

On XX/XX/2022, I received a letter from Law Offices of XXXX, XXXX XXXX XXXX about an alleged debt owed to XXXX XXXXXXXX that XXXX, XXXX & XXXX were trying to collect on. I was confused on how this company XXXX XXXX XXXX XXXX, XXXX & XXXX received my information and I never did business with them. Therefore, I sent them a validation of debt letter and they responded with a letter sent out XX/XX/2022. The letter consist of XXXX XXXX statements stating that I allegedly owe them money and they are attempting to collect a debt. This caused me to panic, so I started to do some research and noticed that I was being violated my rights under the FDCPA. In there letter it stated that I allegedly owe {$660000.00}. After completing my researched I noticed several violations of my rights, in there letter sent to me 15 USC 1692 ( a ), 15 USC 1692e ( 2 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( a ), 15 USC 1692a ( 6 ) and 15 USC 1692j ( a ).
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXalance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$190.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

yes i contacted the XXXX about capital one bank about i cant afford my high card payment every month.cant make the full payment each month???? have not heard anything back from capital one bank on credit card.my paymeny XXXX a month.im XXXX years old XXXX.
Product: Vehicle loan or lease

Upon reviewing my contract there are many breaches to the contract. I was coercion into the contract, influenced by dealer with material misrepresentation. Their are also many codes violated ( United States codes ) U S C 15 1602 ( k ) - U S C 15 1662 -U S C 15 1605 - U S C 15 1609 ( A ) CODE OF FEDERAL REGULATIONS ( C F R ) 12 226.15
Product: Vehicle loan or lease

I took over payments of a truck. My friend and I did a contract between us. She bought the truck from XXXX XXXX and got it finance through Capital One Auto Finance. I give her the payments through XXXX and she gives them to Capital One.I have not paid the registration since XXXX XXXX XXXX. I don't have insurance as well because the truck was stolen months ago and I couldn't do an insurance claim because there was no insurance on the truck. I did not want to give her money for the insurance because she was not paying for it. Can she take the truck away from me for not paying the registration and not having insurance even if I have gave all payments on time? I uploaded a copy of the contract between her and I. Are these contracts even valid?
Product: Payday loan, title loan, personal loan, or advance loan

I was a manager at a location, XXXX XXXX XXXX, XXXX XXXX, XXXX. I was ordered to under explain or even just tell customers to " sign please '', when it came time to sign the ach disclosure with customers, this was in an attempt to increase collections of missed payments and unpaid loans.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX - XXXX I've called customer service in times past asking for notifications BEFORE my payment. Since I've called customer service I've not received notifications. As a good paying customer ( and I am ) please ensure I receive notifications prior to payment due date AND I need the billing statement prior to payment due date. This is a requirement of the creditor. If the creditor would work with me I would not have a late payment on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 



Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 



Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 



Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 



Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Experian is still reporting a account on my credit report that isnt mine! I have attempting Experian multiple times by phone, mail and online service to get this item removed. Ive filed multiple reports and at this point I will be contacting a lawyer. I sent mail asking for validation of this account and how Experian keeps verifying that this debt is mine! And I receive nothing! If this large debt was mine it would be on my XXXX  and XXXX   report and its not on either! The account I am referencing is XXXX XXXX for the amount of {$12000.00} opened XX/XX/2015. I have sent Experian my police report and all documentation needed to prove this isnt mine! I depend this to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX  are attacking me and forcing me to live in the streets and in XXXX   shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in 1995. When I left high school in 1995 my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Product: Credit card

In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!
Product: Credit card or prepaid card

From the period XX/XX/2021 till approximately XX/XX/2021 XXXX XXXX XXXX, UT made a series of unauthorized charges to my Citi ThankYou Credit card in excess of {$5000.00} dollars. XX/XX/2021 a payment of {$570.00} was made by me to Citi which included charges made by XXXX. This is reflective of fraudulent charges XXXX made in XX/XX/2021. To my dismay I did not initially catch these fraudulent charges. In the next months billing cycle I realized what was happening and immediately reported XXXX 's fraud to Citi. The Citi credit card ending in XXXX was canceled at that time. A new card ( ending XXXX ) was issued. The fraudulent charges were rolled over into the new this new credit card. My first call to Citi resulted in the statement, " We know about XXXX we will fix this ''. Since that time I have attempted to work with Citi fraud and billing to get these charges reversed. To Citi 's credit this has largely been accomplished. Unfortunately, I believe XXXX charges ( documentation ) were paid to XXXX by Citi in the amount of {$640.00} ( listed as reversed charge and a XXXX in the amount {$150.00} ( statement without a date of the charge reversed ). These fraudulent charges have now been passed to me through Citi. This appears as reversed or added charges in my statements. It is difficult to tell from Citi 's cryptic statements which of the fraudulent charges have been refunded by XXXX but I believe this to be remaining paid to XXXX by Citi which has not been refunded to my credit card account. In addition to not clearing ALL the XXXX charges Citi has charged late fees/interest related to these fraudulent charges. This is patently unfair. SINCE I HAVE RECEIVED NO GOODS OR SERVICES FROM XXXX EVER ALL PAYMENTS TO XXXX ARE FRAUDULENT AND SHOULD BE REFUNDED TO MY CITI CREDIT CARD ACCOUNT. The last legitimate charge on this account ( ending XXXX or XXXX ) was in fact XX/XX/2021. I have made multiple calls to Citi fraud and billing by phone to attempt to get these final items corrected. I am repeatedly assured that it will be handled. They have not been handled but in fact made worse. These calls been fruitless largely due to Citi outsourcing their customer service/fraud operations overseas to English as second language speakers. In addition to XXXX charges which remain on the account there are late fees and interest charges accruing. Since these late fees and charges are directly related to XXXX they should be held responsible for these charges as well or these fees should be waived by Citi. It is indisputable that prior to XXXX charges appearing on my account I had a small credit ( excess payment XX/XX/2021 ). My standing on principle till XXXX has been held accountable has affected my credit rating as Citi has made negative reporting to the major credit monitoring agencies ( documentation ). Since Citi seems incapable of rectifying this situation I have filed consumer complaints to the State of Utah Attorney General 's office and The Utah XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXXI received a call from XXXX  teller number XXXX my single point of contact from XXXX Mortgage. I told her that I was concerned about the Default letter that was dated XX/XX/XXXXdemanding all past due payments by XX/XX/. I have already made a payment on XX/XX/ XXXX. I turned in a loss mitigation packet and I explained to her that I will not be able to pay all past due payments by the XX/XX/XXXX. I told her that I will receive a profit sharing check on XX/XX/XXXXwhere I could catch up on all payments past due totaling XXXX. She responded that they sent a another Default letter onXX/XX/XXXX giving me until XX/XX/. I have not received that letter as of todays dateXX/XX/XXXXXX/XX/XXXXShe also said my loss mitigation packet is complete and under review as of XX/XX/XXXX My concern is I DON'T have any documentation stating what I'm being told. I afraid this company is going to foreclose on my property. I have talked to several reps and I am getting told different things. Please can I get some straight answers because it seems that my last resort is going to be filing bankruptcy. This is not what I want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXXXXXX XXXX XXXX - XXXX XXXX Bank - XXXX LATE PAYMENTS XXXX XXXX Late Payments 30 day XXXX 60 day - XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX # XXXX XXXX  ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX  ACC # XXXX XXXX  ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX  Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I received a bill from XXXX XXXX in the amount of {$47.00}. They are collecting on behalf of XXXX XXXX  XXXX. This debt is not owed. This debt has been taking care of all communication from XXXX XXXX should cease and desist. 

Thank You. 
XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices
Product: Credit card or prepaid card

On XX/XX/2018 my Wellsfargo XXXX card was charged without my permission to purchase four tickets from the XXXX. When I noticed the activity I immediately contacted XXXX and cancelled the flights and I was assured by XXXX that I'll receive a full refund. I also filed a dispute with Wellfargo in order to ensure that I'll be protected. It has been over 2 months now but I never received credit from The XXXX or Wellsfargo. I'm  highly disappointed since I never made the purchase plus I had cancelled the flights after noticing the activity. Total amount charged to my credit card was {$1100.00}. Please help me to get my money back. 

Thank you, XXXX XXXX