23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer.

We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.
Product: Debt collection

I received a letter in XX/XX/XXXX from Central Portfolio Control for a debt owned by XXXX XXXX XXXX. I asked for proof of the debt, the original owner, proof that the debt was transferred to a new owner. They provided a response in XX/XX/XXXX stating that I owe for an online payday loan taken out from a XXXX XXXX tribe. This loan is illegal in my state and it is also illegal for a new non-tribal owner to attempt to collect it. They are continuing to attempt to collect the alleged debt for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under federal law, they have thirty ( 30 ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting.

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by Spears v Brennan, 745 N.E.2d 862, 2001 Ind. App. LEXIS 509. 
* Verification by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt.

* Date of Last Activity.

* My full, complete, and correct social security number for identification purposes.

* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor.

* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company.

* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase.

Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) XXXX Collections : 1.XXXX XXXX/ account # XXXX 2. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX XXXX/Account # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Transunion Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH capital one 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 those account 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.

( CREDITOR NAME ) 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: Checking or savings account

Charged overdraft fees when I was told differently in XXXX
Product: Vehicle loan or lease

Due to required maintenance on car, I requested an extension on my car loan. It was granted in XX/XX/2023. Then I started getting alerts of a 30 day late payment on my car loan with Capital One. I contacted them and they tried to contact the credit department and couldnt reach them. So, they wouldnt provide me a direct number to the credit number and told me dispute the late payment through the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX 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: Money transfer, virtual currency, or money service

Oh man I thought I had already explained this. XXXX XXXX is when it started. It was never resolved. Sounds like this whole thing got deleted somehow and thats unfortunate. I used my cashapp card to place an order on XXXX I immediately canceled the order to which cashapp already had taken my money and never returned it after it was canceled. I tried everything and tried multiple times to retrieve my money back. I have included screenshots of the conversation that was had between me and customer service chat over the course of about a month. Which was never resolved. I didnt know this place existed or I would have filed a complaint at the time and not waited.
Product: Credit reporting or other personal consumer reports

I have a issue involving the unauthorized use of my credit report by XXXX XXXX XXXX, which has been reported on my credit file by the XXXX major credit reporting agencies : XXXX, TransUnion, and XXXX. 

I believe that XXXX XXXX XXXX has accessed and used my credit report without my consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section limits the use of a consumer 's credit report for certain purposes, including requiring entities to have a valid reason for obtaining and using a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a fraudulent account on my credit report with XXXX collection that does not belong to me. I disputed this account inXX/XX/2019and it was deleted however they reinserted this fraudulent account on my report. In addition, I was never notified by the credit bureau that the XXXX collection account would be reinserted on my report which is a violation of my consumer rights pursuant to FCRA section 611. I am starting the believe Transunion is intentionally being noncompliant and negligent. If this account is not deleted I will be filing a civil lawsuit.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found that false information continues to be reported by XXXX, Experian, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX at Discover XXXX XXXX has committed XXXX violations, placing paid payments for a few Months trying to maliciously sabotage And reset the XXXX year claim on a charge off account and has not answered to that complaint at all and he had discover card have their fake XXXX firm slash collection agency threaten me with a letter demanding over {$1000.00} more than I owe discover card and has not responded that complaint either he keeps lying and closing the cases as a duplicate.
Product: Debt collection

I Have requested items in writing by certified mail to support me owing the debt also theyre not licensed to collect in my state
Product: Debt collection

I pay it on XX/XX/2017. But it still show on my credit report. They never toll me they will put it on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by capital one bank back in XX/XX/2018 for a closed bank account. Upon contacting capital one back they said that amount was an error and that the correct amount is {$370.00}. XXXX acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but XXXX is illegally still reporting incorrect amount
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation isint applied too. 
Please provide details to investigation or delete accounts.
Product: Credit card or prepaid card

The credit card number in question is XXXX with US Bank. 
I recently received notification that they overcharged me to the tune of several XXXX dollars and they have yet to return the money that they stole from me several years ago. 
I demand they return the monies owed per their own admission.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), has violated my rights XXXX ( Experian ) XXXX ( XXXX XXXX XXXX ( XXXX ) 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 items 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 resonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I attempted to apply for a loan with XXXX XXXX. But I declined and advised the representative that I was not interested. Several days later, I received an alert that a credit inquiry was made by XXXX XXXX. I did not authorize my credit report to be accessed, because I did not want to move forward with applying for the loan.
Product: Checking or savings account

I'm writing out of sheer frustration. Its been over a month since I first tried to close my TD account, and they keep putting up unnecessary obstacles. Most recently, I started the process again on XX/XX/XXXX, waited XXXX business days with a XXXX balance, and my account is still not closed. When I called the number they provided, I found out that the account closing process was reset due to call. Now XXXX told I have to wait another XXXX business days and call back if it doesnt close. This is ridiculousIve gone through this same process XXXX times now! 

I just want my account closed at TD Bank. They have the worst banking experience, charging outrageous fees and providing incredibly frustrating customer service.
Product: Student loan

I have been paying my private student loans since XXXX but I thought enrolling in a lower interest program was helping me but what was happening was the capitalized interest was simply being added to balance. I have tried consolidating these loans but because they are private they do not qualify. And other lenders are not will to give me a {$60000.00} loan for these. Basically even with my payments all these years my balances have not gone down very much and most of them say estimated payoff dates of year XXXX and XXXX. I have also applied for discharge for schools that are no longer accredited ( XXXX and XXXX ), which many of these loans are from, and of course they never qualify. I feel like I am being robbed and will never pay these off. I wish I had never gotten these loans and the truth is I don't even think any of the classes were credited towards my degree. I have reached out to the servicer and all they do is tell me my payment history and federal student aid refers me back to the servicer. I never thought these loans would be this terrible and never ending. Aside from that the interest has risen up to 8 % and even 10 %. 

I am providing a loan detail sheet from the servicer from XX/XX/XXXX and then one from XX/XX/XXXX and you will see how little the balance has gone down. It also has the whole payment history for your review. 

I am also including the discharge applications and denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming suicidal due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. Transunion, XXXX, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALY PROTECTED CONSUMER AND I KNOW I HAVE FEDERAL RIGHTS. XXXX XXXX XXXX XXXX XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by XXXX, XXXX can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority does XXXX have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID AND UNENFORCEABLE. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which XXXX enacted in XXXX which is still LAW AND IN EFFECT STATES THAT LATE PAYMENTS SHOULD NOT BE PUT ON CREDIT REPORTS WHEN CONSUMER INFORMS INSTITUTIONS THE NEED FOR ACCOMODATION DUE TO THE GLOBAL PANDEMIC CRISIS WHICH I I HAVE BEEN EFFECTED AND I FIRST REACHED OUT AND ASKED FOR ACCOMODATION IN XX/XX/XXXX WHICH XXXX DENIED ME, AND CONTINUED TO REPORT LATE PAYMENTS ON MY CREDIT REPORTS WITH NO ACCOMODATION NO PROTECTION PER THE CARES ACT. I SHOULD HAVE BEEN PROTECTED AND RECIEVED ACCOMODATIONS PER THE CARES ACT due to my situation. And Since there is no law under the Fair Credit Reporting Act requiring this financial institution to report negative information to consumer reporting agencies, XXXX APPEARS to knowingly be reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act and the CFPB has been investigating and taking action against institutions and companies. Like recently CFPB XXXX XXXX MORTGAGE SERVICES who did not implement protection under the CARES ACT on behalf of the consumers. RBFCU companys policy does not supersede XXXX XXXX. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to all credit reporting agencies immediately to prevent my consumer credit reputation from further harm and stopping me from extending credit in commerce which is my right due to XXXX 'S not complying with the CARES ACT which is still LAWFUL I understand that Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Notice of Garnishment on XX/XX/XXXX for XXXX for a judgment amount of {$1800.00}. I hired a lawyer to stop garnishment and received the money garnished back. My attorney then commenced a FDCPA case but XXXX sold my case to XXXX XXXX XXXX. My case was won for {$15000.00} in US District Court XXXX District of NY in XX/XX/XXXX. Experian is reporting false information of {$2100.00} written off. XXXX  and XXXX   does not have this entry listed on my credit report. I do not owe XXXX any money. Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.
Product: Debt collection

My recent credit report shows several accounts that appear to have been added without my consent and are incorrect. Please block and remove these fraudulent accounts from my report immediately.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove false debt collections that's reporting on my credit report. Both of these companies are showing inaccurate information on my credit report that I know nothing of. I will share documents below to show the letters I sent to the credit bureaus of the inaccurate information and its still reporting to this day. I also sent letters to XXXX XXXX XXXX and XXXX XXXX of proof of validation and haven't received an respond back on their part. These debt are negatively affecting my report which is affecting my life in many ways. I also provided screenshots of how its showing on my credit reports. All reporting different information. I am a victim of identity theft and I'm writing this to dispute information in my file resulting from the crime. Please remove these collections off my credit report for fraud and inaccurate reporting information as soon as possible. I reported the theft to the Federal Trade Commission and also attached the identity theft affidavit. 

- XXXX XXXX XXXX Account number- XXXX Date opened- XX/XX/XXXX Balance - {$6000.00} ( a month ago it was {$5900.00}. How is a balance still going up for an closed account? ) - XXXX XXXX Account Number- XXXX Date open- XX/XX/XXXX Balance- {$16000.00}