23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or around XX/XX/XXXX I received a deposit of funds for the amount of {$1100.00} into my banking account. I began paying bills and the rest of the money I had left over from my available balance was {$810.00} which sent directly to my XXXX XXXX. I have proof that the available balance was transferred the same exact day. A few days later, I check my bank account and notice my account is overdrawn. There was an amount processing for {$410.00} that was allowed to overdraw my account. The funds I transferred to my XXXX XXXX had been allowed to sit pending and done processing on XX/XX/XXXX. The amount of {$410.00} was said to had been processed and cleared XX/XX/XXXX. I also have two returned check fees as well as a {$20.00} overdraft fee from Navy Federal. When I called Navy federal to speak to them about the manner I was told I had to verify my identify in either by mail, in person, or by email. I did what was asked of me allowed some hrs to pass by and called Navy federal back to see if they had gotten my information that I emailed to them. They said that they received the email with no attachments and that I could send it via text and I would have to wait all over again to see if they had gotten. I send the information by email with the attachment and proof that it was an attachment to the email. I call back the next day, talk to a rep for Navy Federal to be told that they did not receive the information yet again. So I send it a third time. She places me on hold and tells me they finally got it and that I would have to wait two business days before I could even have them take a look at my account to why it is in overdraft and what we could do to resolve this issue because my account does not have overdraft protection and if that would have to still fall on me be cause of their mishaps and mess up. My account is now overdrawn almost {$500.00}.
Product: Debt collection

I am not liable for this debt with FIRSTPOINT COLL RESOURCES. I do not nor have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Product: Debt collection

Jefferson Capital says I have a debt with XXXX XXXX for {$390.00}. I haven't had an account with XXXX since 2012 and cancelled the account in good standing. This is the first that someone has attempted to collect anything.
Product: Debt collection

This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.
Product: Credit reporting or other personal consumer reports

this Wells Fargo credit account has been charged off. so this means that Wells Fargo has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX
Product: Debt collection

Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX in XXXX ha but getting a call from California the very next day being threatened
Product: Credit card or prepaid card

Fortiva credit card. Tried resolve with prior. Harassing only. Doesn't seem an American run business not aware if correct. 

Paid day before due and they billed anyways next day which was returned because I am in hardship. 

Fees above on purpose because I paid day before and account should be even but above balance due to double billing to gain fees. 

I paid before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer have come to the understanding that TransUnion is in violation of my rights to privacy and did not give Transunion the written instructions to furnish such information on my consumer report. ( PLEASE SEE ATTACHMENTS )
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate, Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Payday loan, title loan, or personal loan

My wife and I have gotten into a nasty cycle of payday lenders. We currently have two loans with Blue Trust Loans, aka Hummingbird Funds , LLC, one for my wife and one for myself. 

My loan was originally for {$2000.00}. The paperwork states that the APR is 406.57 % and that by the time I have repaid the loan, I will have paid {$7100.00}. When I make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. I have only made the initial payment at this point, at the end of XXXX, for {$520.00}, with {$37.00} going to principal and {$480.00} going to interest. 

My wife 's loan was originally for {$400.00}. The paperwork states that the APR is 732.74 % and that by the time we have repaid the loan, we will have paid {$1400.00}. When we make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. We have two payments remaining. We have paid {$890.00} so far.

This is, as you might imagine, unsustainable. It has also come to my attention that these interest rates are far higher than what is legal in the State of Colorado, as well as the fact that they are not licensed to do business in the State of Colorado. 

I have put a stop payment on these payments until I can get something figured out, but I was advised to contact your office. This is very time-sensitive, as the screenshots I will send you indicate that they plan to submit the full balance of the loans to our bank at the end of the month, and those payment amounts are not covered by the stop payments we authorized with our bank. Please help.
Product: Debt collection

My issue is with a XXXX XXXX credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the XXXX XXXX website and would not accept payments over the telephone. I was contacted by ARS national Services and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from ARS in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from ARS, to XXXX according to the ARS representative I spoke with today. My last communication with this company was XX/XX/2015.
Product: Debt collection

I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.
Product: Credit reporting or other personal consumer reports

I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the Federal Trade Commission ( FTC ) and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : XX/XX/XXXX
Product: Debt collection

they contacted me XX/XX/2020 through email saying i owed my previous landlord an unpaid amount of XXXX it went on to say that i owed unpaid rent of XXXX or so as well as a late fee pf XXXX or so and a clean up fee for my wife smoking in the apartment of XXXX dollars. I then told them that I did not owe him anything, they replied by saying that they asked him for verification of the debt they then sent me an encrypted message containing my old lease agreement. I thanked them for the information but asked why do you think that I owe my landlord money there response was to report it as a debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Experian, XXXX and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Product: Credit card or prepaid card

An item covered by an extended warranty protection benefit that was purchased with my Chase card was deemed defective and in need of repair. Since I found out from the manufacturer it was indeed out of warranty, I decided to submit a claim through my extended warranty benefit. After trying to submit my claim for online several times over a few weeks from XXXX XXXX XX/XX/XXXX ( website malfunctioning due to increased traffic and nearly 2 hour hold times when I called ), I finally got a live person from this company on the line on day 90 to request assistance with filing a claim. Later my claim was denied and when I reached out for an explanation I was told that my claim was in fact not truly reported that day, but on the following .... day 91. I explained to the representative that I am an essential front-line worker during the pandemic and was unable to get in touch with the furniture store during their hours of business ( they store and manufacturer were closed for a month to the public ) to get the estimate. I also asked for a supervisor but was told on multiple occasions the supervisor would contact me in 5 business days. I never received a call back from a supervisor the past two times ( XX/XX/20, XX/XX/20 ) I called to follow up. I am prepared to take this to small claims court if this is not resolved immediately. I am appalled at the business practices of this company! Especially that I have been working on the front-line and it having been a pandemic. One representative I spoke with told me ( XXXX? ) that this should be approved due to my having contacted them to report it on day 90,  especially since I had been trying to submit the claim online for weeks and asked for help with that. I submitted all documentation and went overboard to get a repairman to my home, which took weeks due to Covid restrictions causing the business to be closed, for an estimate.
Product: Debt collection

RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF TATE & KIRLIN FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
Product: Consumer Loan

I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.
Product: Debt collection

I am writing to file a formal complaint against Cavalry Portfolio Services , LLC, a company that has been attempting to collect a debt of {$2900.00} from me without the requisite licensing and bonding required by the State of New York. This unauthorized activity has not only violated state and federal regulations but has also caused me considerable personal and financial hardship. 

Complaint Details : Unlicensed Debt Collection : Cavalry Portfolio Services , LLC does not possess the necessary license to collect debts in New York, as mandated by state law. Their continued efforts to collect debts without this requisite licensing constitute a direct violation of New York State law and the Fair Debt Collection Practices Act ( FDCPA ). 
Impact on Credit and Personal Distress : The company has reported this debt to credit bureaus, negatively affecting my credit score and causing significant emotional and financial distress. This has led to numerous encumbrances in my personal and financial life. 
Non-Compliance and Lack of Response : In response to my inquiries and demands for debt validation, Cavalry Portfolio Services has failed to provide any proof of their authorization to collect debts or the legitimacy of the debt itself, which further suggests non-compliance with the FDCPA.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX  - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$14000.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$9000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.
Product: Debt collection

I contacted the company explained it wasnt mine they refused to remove it. I was told if I settled it ( paid it ) they would remove it, when I settled the debt they didnt remove the account from my credit file
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the numerous unsuccessful attempts to remove charge-off accounts from my credit file. Despite multiple efforts to rectify this matter, the unresolved charge-off entries continue to negatively impact my credit report, hindering my ability to obtain credit and financial opportunities. 

I have made persistent efforts to address and rectify these issues by submitting disputes, providing supporting documentation, and communicating with your representatives. Unfortunately, these attempts have not resulted in the removal or correction of the charge-off accounts, and they persist on my credit report. 

The prolonged presence of these charge-offs has had a detrimental impact on my creditworthiness, making it challenging to secure favorable interest rates, obtain credit, and negatively influencing my overall financial standing. 

I request a thorough and immediate investigation into the matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the charge-off accounts. 

If the necessary actions are not taken promptly, I may be forced to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to XXXX! ) 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.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding a late payment reported on my credit report for my XXXX XXXX credit card. According to my credit bureau reports, there is a late payment reflected on my account. However, when I contacted XXXX XXXX, I was informed that there is no record of a late payment associated with my credit card. 
Despite my efforts to dispute this late payment with the credit bureau, the issue remains unresolved. I kindly request a thorough review of the matter, as the reported late payment does not accurately reflect the status of my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most recent personal credit report, I discovered that fraudulent items are still present on my Experian credit report. I had previously requested an investigation into the following items to identify the party responsible for their unauthorized reporting in my credit file. Following the completion of your investigation and the confirmation of my claims, I request the removal of these items and the provision of an updated credit report to my specified address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act, Section 605B ( a ), you are obligated to eliminate any items opened without my knowledge, consent, or authority within four business days, provided that you receive ( 1 ) valid proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me affirming that the information does not pertain to any transactions made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mine i gave contact XXXX the company many times and they keep selling this account and putting it back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies listed below, has violated my rights. 

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 an account without my written instructions XXXX  ( Acc # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX would like to also add that XXXX XXXX XXXX and XXXX XXXX are reporting from the same creditor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.