23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchases made at best buy with Citibank Best Buy card on 2 or 3 occasions. Each purchase was no interest if pain in x # of months. My card had an amount I was to pay each month. I had no idea the amount wasn't divided so each purchase would be paid off during interest free period. Total surprise to find out I had to pay the interest because I hadn't paid it off. Had I known it would have been paid. Why would a company send a bill for what was due monthly and it be less than amount to avoid interest charge. This is a scam. They can say whatever but no one at best buy ever mentioned this. It was all about " no interest if paid by ''. Then I'm told certain amount was due and I made the mistake of thinking it was divided into equal payments to avoid interest. I have another credit card that shows one amount to pay for no interest and a different amount that will cause you to pay interest. Up front explanation. NOT CITI BANK FOR BEST BUY. I truly feel like I've had the wool pulled over my eyes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of XXXX XXXX XXXX XXXX Personal Loan from Credit Reports Dear CFPB Team, I am writing to formally request the removal of a personal loan {$4200.00} from XXXX XXXX XXXX XXXX, which has been sold to XXXX XXXX, from all three of my credit reports ( XXXX, Experian, and XXXX ). The loan in question has the XXXX Reference Number : XXXX and was recorded on my credit report on XX/XX/XXXX. 

I would like to provide some context regarding my situation. Following a XXXX, I have been striving to recover both physically and mentally. During this vulnerable time, I was under the care of a caregiver who exploited my mental, emotional, and financial state. The co-signer on the loan, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX : XXXX took advantage of my condition, leading me to make decisions that I would not have otherwise considered. 

I attempted to protect myself by filing for a restraining order due to threatening communications I received from XXXX XXXX 's girlfriend. These threats suggested intentions to maliciously control my finances and living situation. I relocated from XXXXXXXX XXXX  to XXXX California in hopes of finding stability and pursuing a XXXX XXXX, but the stress caused by XXXX XXXX 's actions ultimately led to a left cerebral XXXX. 

Furthermore, XXXX XXXX has been incarcerated for over a year due to robbery charges, which has left me unable to pursue legal action against him for the financial harm he has caused. Despite presenting my temporary restraining order to creditors, they have been unyielding and have failed to recognize my status as a person with XXXX under the XXXX. This situation has significantly impacted my ability to recover and has hindered my potential business opportunities as I transition out of rehabilitation and reduce my reliance on antidepressants. 

Given these circumstances, I respectfully request that the CFPB investigate this matter and assist in the removal of the XXXX XXXX XXXX XXXX personal loan from my credit reports. This entry not only misrepresents my financial history but also exacerbates my current challenges. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I have been having to fight with them over a year now on specifically thes3 two creditors XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX XXXX. LIKEWISE THE KEEP ALLOWING UNAUTHORIZED ACCES TO MY CREDIT REPORT AND POSTING UNAUTHORIZED/non permissible purpose inquires onto my report all hurting my credit score and causing my financial stress and d3cline of credit. 

In reference to both remaining collection accounts, I have sent numerous letters XXXX XXXX XXXX and XXXX XXXX/XXXX  - validation letters and eventually lawsuit letters For violating federal law, FDCPA, numerous violations. XXXX refuses to respond. XXXX has admitted they can not find a signd agreement and have no such agreement, contract or debt signature bearing my signature and therefore can not verify or validate said accounts according per FTC guidelines oe required under law. As such both XXXX and XXXX ha e removed these from their credit reports as allegged accounts cannor be validated or properly verified per law and the FTC. Yet after telling Transunion this, communicating that these entities can not and did verify and validate these alleged accounts bor did they have the becessary documentation via signed contract or agreement bearing my signature thry continue to report this. Likewise, i sent them copies of letters i have sent via certified mail and fax to these entities as well as copies of letters to themselves and the Consumer Finance Protection Bueau complaint and responses where thry admit not being able to find an account, Transunion contiinues to post these two bogus, fraudulent entries into my report causing me credit issus and deflated credit score Another continued issue is the illegal reporting of unauthorized credit hard inquiries on my report. Not only are there ones they have been notified and inaccurate and disputed numerous times with themdling nothing, they now have allowed more as of XX/XX/2019 to occur and report that I did not authorize and that do. Not have my permission. I have called each of these once i found there by my credit monitoring and were told they can not provide me my authorization or application with my signature or approval one that did not fit but just showed up is XXXX, XXXX XXXX XXXX XXXX that I did not apply to
Product: Mortgage

I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Heavens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Cash App to send money that I cash advanced from my XXXX credit card. I disputed the transaction with XXXX on XX/XX/XXXX and then quickly cancelled the dispute 10 min later because I saw the account the money went into. ( I originally thought it went to a different bank account ). XXXX told me they cancelled it. Apparently XXXX contacted Cash App but did not cancel the dispute with them. Cash App took the money out of the account I sent it to and took it out of the bank account it went to. Cash App sent notices on my account that read they were going to credit back the card issuing bank ( XXXX ) on XX/XX/XXXX but never did. I have been calling, texting customer support and emailing but they still have my {$590.00}. None of the various phone numbers listed for Cash App let you talk to a live person. They are recordings that tell you to email or do a live chat with a representative. I have contacted XXXX and the bank it went into and then pulled back out of and they both tell me I have to contact Cash App because they told me they would credit back the XXXX card, which they have not. Please contact a higher level of management and help me get my money back. Thank you.
Product: Credit reporting or other personal consumer reports

They denied it but it's still showing hi alert on my credit report
Product: Debt collection

In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX  and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I  with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX  she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I noticed XXXX accounts that I did not authorize and have no knowledge of. I disputed these items and sent the identity theft report to the credit bureau however these items still remain- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. '' CHRYSLER CAPITAL by definition under that title. 15 USC 1681 Section 604a sec 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CHRYSLER CAPITAL the financial institution and the Consumer Reporting Agencies XXXX and XXXX do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to XXXX and XXXX, CHRYSLER CAPITAL whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( b ) ( c ) states that " A Financial Institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' CHRYSLER CAPITAL never informed me of my right to exercise my nondisclosure option. To add 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

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

The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MN XXXX To : The XXXX XXXX XXXX XXXX for RMP LLC From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX XXXX XXXX
Product: Debt collection

A third party company called XXXX XXXX XXXX has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. LVNV Funding says they are part of a collection company from XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a lXXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.