23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX  Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Transunion. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion, XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX, XXXX Transunion, XXXX XXXX. XXXX XXXX XXXX XXXX-Reported XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my XXXX, XXXX, Transunion XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. ( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. and according to XXXX XXXX XXXX are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt or credit management

We have been charged unnecessary over draft fees of a minimum of {$30.00} on both of our Navy Federal Credit Union checkings accounts dating back as far as XXXX to present. Countless and numerous times for very small amounts of items purchased. These charges total thousands of dollars.
Product: Credit card

On XX/XX/XXXX, I got a letter from Capital One saying that my card has been closed because of the activity that does not align with Capital One and to cease using the card and throw it away. 

When I called to understand why it was because of the amount of returned payments on my account, but this was a banking issue. I was selecting the wrong account to withdraw payments, thus the payment kept returning. I forgot that my bank sent me new cards and account information. 

I never got a warning that this would happen about returned payments or even a call to warn me. 

Today is XX/XX/XXXX. I have been struggling to make the payments on time so I do not get a late fee or extra interest charges. I also got a pay cut at work while I am training for a better position with increased pay. I am working to get my finances together so I called Capital One to see if there are any options but I was told due to the account status and the way that it was closed there are not any option. None at all were their exact words. This is impacting my credit which I understand why but when I try to dispute or plead my case, I am met with theres nothing we can do. The account is completely locked, and there are no options, but for you to pay it all off at once. 

I would love to work with them to get this balance, squared away which is approx. XXXX but every little {$100.00} payment that I can make does not help chip away.
Product: Credit reporting or other personal consumer reports

In accordance with th

e fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Acct name # XXXX XXXX XXXX Has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15u.s.c 1681 section 604 A. 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 reporting containing any other 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 in accurate.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX  XXXX, XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a XXXX XXXX XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that XXXX XXXX, Capital One, IN Members XXXX XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ).
Product: Debt collection

This company made an unauthorized attempt to withdraw money from my bank account for a debt that was being disputed with a property manager. They also threatened it would damage my credit if I do not pay them. After receiving notification from my bank that there was a charge of over {$4000.00} being withdrawn from my bank, I contacted Fair Collections and Outsourcing Inc. ( FCO ). They pulled the call and realized this was an unauthorized transaction. Supposedly the employee was terminated. I have been very transparent with them and always working with them to resolve the remaining debt. Now, they just give me the run around when I am try to review this situation. As if " it never happened ''. This is deceptive practice. I am sure all the calls have been recorded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Deletion of XXXX Account from My Credit Report Dear Equifax , I am writing to formally dispute the XXXX  account appearing on my credit report. Despite previous disputes regarding this account, I was informed that thorough investigations were conducted. However, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes raises significant concerns about the integrity of prior investigations. 

I want to make it explicitly clear that I have never opened an account with XXXX XXXX This account, which currently appears as closed on my credit report, is not valid. I am requesting that Equifax provide proof of its legitimacy, including original documents, agreements, or evidence linking me to this account. If this account can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I demand its immediate deletion from my credit report. 

The continued reporting of inaccurate information on my credit report is harmful and unjust. I expect Equifax to address this matter with the utmost seriousness and conduct a comprehensive review. Additionally, I request written confirmation of the outcome of this dispute, including any changes made to my credit report. 

Thank you for your prompt attention to this matter. Please respond within the 30-day timeframe mandated by the FCRA. If you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX on XX/XX/XXXX. Lease ended XX/XX/XXXX. I contacted lease company ( Hyundai Capital America d/b/a Hyundai Motor Finance Company ) and obtained the payoff to purchase my vehicle for the residual value established in the lease agreement in XX/XX/XXXX and to pay any charges or fees related to the lease and to complete the purchase. On XX/XX/XXXX, I was instructed by two ( 2 ) representatives of Hyundai Capital America ( Lease termination and purchase division ) to send a certified check, via overnight delivery, in the amount of {$21000.00}. I was told this was the total balance due to payoff vehicle, close account and obtain the title. I did as instructed and sent the certified check along with a cover letter. The certified check was received by Hyundai Capital America on XX/XX/XXXX ( per USPS tracking receipt ) and cashed on XX/XX/XXXX. 

I have called Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to determine the status of my title. Each time I called ( I kept contemporaneous notes of each call ) I was told that the account had not been processed, there was no one I could talk to except for the representative ( different each time ) that answered the generic XXXX number, they would send an email to " another department to expedite the process '', that they would call me back in no more than 5 business days with a response ( no return call ever received ) and deliver my title to me. 

As of today, no title has been received and no explanation has been provided for why they kept the money they told me was due to purchase the vehicle and have not provided the title to me in more than 108 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but Equifax has XX/XX/year> XXXX : o XXXX a balance but also a charge off at that same time. 
o A charge off would require a 1099C but I have never received one. 
XXXX o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Worst payment status has no info o Shows charge off, but never late. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but Equifax has XX/XX/year>
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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. 

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!
Product: Money transfer, virtual currency, or money service

This is related to claim # XXXX that I submitted against XXXX XXXX. 

I posted a bed on XXXX to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX, at XXXX XXXX XXXX, XXXX, PA XXXX. It arrived on Monday XX/XX/XXXX. It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my XXXX Mobile app, by taking a picture. XXXX then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, XXXX, uses XXXX for XXXX XXXX XXXX, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then XXXX put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to XXXX to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX XXXX/ Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX and XXXX XXXX 3. Emails : XXXX, XXXX 4. USPS Tracking # : XXXX 5. Bank : XXXX XXXX XXXX, XXXX, XXXX
Product: Mortgage

My home loan got sold again ( 4th time in less than 3 years ). My current provider is Ditech and was sold to XXXX XXXX. Per notification laws, I am to be notified 15 days prior to loan change. The letter dated XXXX XXXX, 2016, was not recieved until XXXX XXXX, 2016. This leads to only a 9 day notification. Mortgage companies should be required to account for delivery of letters.
Product: Checking or savings account

Earlier this year I opened a complaint against USAA with the CFPB. Complaint number XXXX. I was notified by email on the XXXX of XX/XX/2022 that i would be contacted by XXXX XXXX XXXX regarding the resolution by USAA. On the XXXX XXXX XXXX called me approximately XXXX or XXXX minutes after XXXX central time. I was informed that I would be receiving a reimbursement for the fraudulently endorsed and deposited checks, totaling {$2200.00}, and that it would post to my savings account within XXXX business days. I called XXXX XXXX and USAA again the XXXX of XXXX recieving conflicting information from the bank 's representatives. Some said that i was getting nothing and to forget matter. Others when shown the answer from USAA to the CFPB stating that they were going to reimburse me as i had obviously never seen nor signed nor had anything to do with the checks that were stolen and fraudulently endorsed and deposited by my estranged wife and her family. I am now being told by USAA that I am not going to be receiving any money for the fraudulent check endorsements and deposits. Despite them telling me and the CFPB they are making me whole they are infact trying to make themselves look good and then reversing their decision in the most dishonorable and dishonest way imaginable. They are already 5 days past due with the deposit i was notified would be no later than the XXXX. As a result of their failure to keep their word i have been rendered homeless and my phone is cut off. I have expended an additional $ XXXX in moving and lodging expenses because of their shameful and dishonest actions involving my reimbursement. I wish them to make good on their stated intention to reimburse me the {$2200.00} as well as the other moneies expended by me resultant to their failure to keep their word.
Product: Credit reporting or other personal consumer reports

Please delete accounts found in FTC report within 4 business days due to them being non compliant of the FCRA of fraudulent information on a credit report
Product: Vehicle loan or lease

I have spoken to several representatives at Bridgecrest informing them about the discrepancy they have on the XXXX XXXXXXXX XXXX that I purchased in XX/XX/XXXX. They charged me an outrageous interest amount that is on heard of ( {$26000.00} ) minus the actual vehicle amount of {$29000.00}. The car had XXXX miles on at time of purchase. The dealer specifically asked me how much per month I wanted my car note to be. I said specifically no more than {$400.00} per month because that is around the pice range my previous vehicles were in previous years. I never had an interest rate cost more than the car is worth. I contacted Bridgecrest a few months ago and informed them that my hours dropped at my job. They told me that cant do anything because I signed the contract and they can modify it due to my signature. They said I can refinance the car. I inform them that I will not consider that option at all because they should have given me two brand new cars at a price of {$55000.00}. That is {$21000.00} over my annual income. Bridgecrest is damaging my credit significantly due to their error. They do not want to do anything to correct it and make things right with the consumer. Consumers sign paperwork all the time. They are unaware that they will fall victim of being overcharged and the company dont want to do anything about it. I told them from the beginning I could not afford a {$350.00} by weekly car note. They are fully aware of my circumstances and fail to comply with my obligations such as rent, utilities, car insurance, food, and medical needs. Please someone help me out of this dilemma. When I contact them they do not honor anything I tell them which is the Gods honest truth. Please review they procedures and policies because they do not comply with consumer credit protection rights. Thank you for your time. 

Sincerely, XXXX XXXX Unsatisfied customer
Product: Vehicle loan or lease

IN XXXX I brought a vehicle from Credit Acceptance Corporation, XXXX XXXX XXXX MI. ( XXXX ) XXXX a pay here buy here place, I put XXXX dollars down on the vehicle. I was then given a vehicle from a family member, I called the Car place to return the truck, it wasn't even a week .They came and got the truck. I received letters months later, that the truck was sold at an auction for XXXX dollars. It was a balance they say I owe of XXXX. I am not agreeing with this balance after I turned the truck back to them. I am trying to get this repossession off my credit .It was not an repossession. When I reached to the company on XX/XX/XXXX they want me to settle for XXXX cents.I would not take that.Im trying to purchase a home.