23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in the process of trying to settle a couple of debts that went into charge off status, once I contacted the companies I asked them for a deal of pay to delete. I was given the amount that they were willing to except and was told that once I paid the debt they would submit to the reporting credit bureaus to remove the account since they were the ones to have the debt placed. I was also told to write pay to delete on the money order or certified funds. I did all that was asked, now the companies don't even answer my calls nor do they respond to my letters
Product: Checking or savings account

Bank of America XX/XX/2023 An account was opened under my name and XXXX without verifying my identity through different documents ( photo ID, proof of address, etc.. ). The account was initially opened under my email, and did not need a confirmation code it was still able to be opened. 

The company closed the account and flagged it after I called and reported it. They also sent me a link to a guide on preventing Identity Theft. However, I am worried that this may happen again since there seems to be no precautionary action on their side to prevent someone from opening an account with just SSN and name.
Product: Credit reporting or other personal consumer reports

After calling transunion 5 times and demanding that a fraudulent item that was previously removed from my credit report be removed again. I was told by 3 representatives that the account was not showing up on my report and was in fact removed. After XXXX sending over the updated credit report, the XXXX XXXX account was the first item on the list. I asked to be transferred to a supervisor and was disconnected every time. Secondly, not only did XXXX XXXX send a letter stating that they removed the accounts from my report, they NEVER sent me a letter stating that they were reinserting the fraudulent items to my report which is violation 15 U.S.C. 1681i. The item was reinserted on XX/XX/XXXX and I was never informed as of XXXX XXXX to the point that the representatives say that its not even there. Wells Fargo has done the same. The item was removed. The account is in a totally different name XXXX XXXX and they have also reinserted a fraudulent and inaccurate account without notice on to all. Of my credit reports. XXXX has hired at home representatives that have dogs barking and babies crying in the background to handle personal and private information. They are a private entity that is handling our life altering information as if they are handing out free raffle tickets. Just their work ethic alone is a violation of FCRA laws
Product: Debt collection

My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached. 

They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file. 


Thank you, XXXX XXXX XXXX
Product: Credit card

I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. I have contacted this company for debt validation, and have also sent a notice to cease and desist of all illegal activities and communications.
Product: Credit card

XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.
Product: Credit reporting

I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX, XXXX : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX XXXX XXXXXXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for the removal of the erroneous information about my accounts that has been neglected by XXXX Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX ***** Opened XX/XX/XXXX Balance {$2600.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$12000.00} XXXX ***** Opened XX/XX/XXXX Balance {$3800.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX inquires not authorized XXXX XXXX XXXX, XXXX XXXX not my names incorrect
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Include the documentation that was used to verify the dispute. AS THIS IS MY SECOND WRITTEN REQUEST!!!! YOU ARE IN VIOLATION!!!
Product: Debt collection

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I have a credit card with Discover. I have made perfect payments since XXXX, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a bad medical situation hit a few years ago. 1. I had a XXXX XXXX and several XXXX XXXX and was XXXX. I went XXXX for a short time 2. I had numerous surgeries where my XXXXXXXX XXXX XXXX. 3. I got XXXX XXXX ( XXXX of XXXX times ) during one of the surgeries. I was on a XXXX. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over 2 years of XXXX  to build myself back up. 4. I managed to keep my job until the pandemic when they laid me off after 20 years. 14 months later my job was eliminated. And I still paid my bills on time. 5 I applied for over XXXX jobs and have been unsuccessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. 6. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself 7. My spouse emptied our retirement account. 8. Due to hacking, XXXX XXXX, Discover ( XX/XX/XXXX discover released my information during a hack ), and other credit cards and one of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. 9. Up to XX/XX/XXXX, Bills have were paid on time. 10. I called Discover the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any XXXX  XXXX programs. They said sorry we can not help you until you are late with your bills. I said im being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. DISCOVER has not replied to requests. DISCOVER has not reach out to me about this.DISCOVER this past month decided to file court action in a attempt to collect debt.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX and XXXX transaction was done on my card at a atm, i didnt realized it until almost a week later, i only used the card to make payments over the phone and i card hasnt ever been outside of my home, i have money direct deposited there for over 6 months and never used the money, once i used the card, this happened, i have been back in forth and no resolve me, i made a police report, and as well sign a notorized statement stating i knew nothing about the transaction, you cant ever get through to anyone on the phone, and if by chance you do, they cant understand anything
Product: Bank account or service

My wife and I went to our local Chase branch to discuss an issue related to fees. The brand manager became rude and unprofessional and refused to help us. I advised her of our intent to contact the CFPB and we left. A few days later the branch manger sent the police to our house and later they closed her account.
Product: Student loan

Navient told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me
Product: Debt collection

Prestige Financial calls and texts at the same time. They should either call or text. When their call comes in, it's always from a number that isn't theirs. However, as soon as they call, a text from Prestige will appear, in the middle of them calling me. When they do text, they send some long text wanting reasons why I can't pay and to set up an arrangement. They even text me two-three days before my payment is due to set up the next payment! I'm going through XXXX right now, and I'm still working. They'll get the money when they get it. Also, they call and text my husband the same information.
Product: Payday loan, title loan, or personal loan

We contracted a solar panel company, XXXX XXXX XXXX to install solar panels and finances that project through sunlight financial. Sunlight financial disbursed all the money to the contractor without verifying that the project was installed, and it was not. Sunlight financial refuses to give me any alternative options to resolve the is problem. Our first payment is due in XXXX  and we dont have the complete product we paid for.
Product: Credit reporting or other personal consumer reports

Hard inquiries on credit reports that I dont recognize. Im getting dozen of weird emails with different links from all over the place scamming is at a all time high and those false inquiries are altering me from progressing in life the way that I deserve to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is having the CFPB XXXX a valid Dispute as duplicated when this form of dispute has never been done. by law this company is required to uphold the FCRA Section 609 which they have obviously failed to do on their end, they mark it as duplicated, but have not shown one ounce of evidence how it is duplicated, they are throwing all of my disputes in the garbage, which is highly offensive, Experian claims they know the laws, but they have not shown XXXX iota of interest in abiding by them, I am resubmitting this dispute again with XXXX, XXXX, at XXXX. Under Section 609 of the Fair Credit Reporting Act, Experian is constantly refusing to send me any and all records I have a right to see, just so they can continue to violate the FCRA. They provided me with no evidence it is valid debt, they have not provided me with any explanation as to why they have not submitted any documents within the 30 day time frame as stated in the fcra, the only thing they continue to say is ' we have a right not respond to your requests " .. that's not how the bureaus are supposed to be doing business. I Have a federal Right to Dispute inaccurate information, and have it removed from my credit report. And Experian is interfering with that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Cease and Desist Demand Regarding Account # XXXX Account # XXXX Account # XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me regarding the above-referenced account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This demand includes, but is not limited to, any form of direct or indirect communication, whether by phone, mail, email, or through any third parties. 

Furthermore, I expressly assert that reporting information about this account to any credit reporting agencies constitutes a form of communication under the FDCPA. By reporting or continuing to report this debt to the credit bureaus, you are indirectly communicating with me about the alleged debt. As such, this practice must also cease immediately. 

It is important to note that the FDCPA provides clear legal protections for consumers against any form of harassment or unfair communication. This letter serves as my written notification to invoke my rights under federal law. Should you continue to report this account to credit bureaus or engage in any other form of communication, I reserve the right to pursue legal remedies for noncompliance. 

Additionally, if you believe I owe any amount in connection with this account, you are required to provide full validation of the alleged debt. Such validation must include, but is not limited to : The name and address of the original creditor. 

A detailed accounting of the alleged debt, including the date and amount of the original transaction. 

Proof that you have the legal authority to collect this debt, including a copy of any assignment or transfer agreement. 

If you fail to provide proper validation of this debt, I demand that you delete any and all references to this account from my credit reports. 

This letter is not an acknowledgment of any liability for the debt. I expressly deny all liability and dispute the validity of this debt in its entirety. Any further attempts to collect without proper validation will be considered a violation of my rights under the FDCPA and applicable state laws. 

You are hereby notified that any future communication, including but not limited to reporting to credit bureaus, will be documented as evidence of noncompliance. Should further violations occur, I will not hesitate to take all necessary legal actions to protect my rights. 

Please confirm in writing that you have complied with this demand to cease and desist all communication, including reporting to credit bureaus. 

Sincerely, XXXX XXXX