23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX  with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Student loan

I was informed that if I consolidate my loan I will be eligible for Student loan forgiveness. I was XXXX payments away from my XXXX yr mark. I followed their advice and consolidated. Now my payments have restarted at the beginning at 1.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX account which starts with XXXXand ends in XXXX is reported closed on Experian and XXXX. This account is currently open and XXXX XXXX also confirms that. However, it is showing closed status on both credit bureaus and I have disputed this twice but the outcome still shows that the account is closed. This account is currently open and I use the card for groceries and other purchases with regular payments to keep my credit usage low. Please kindly help me fix this thing. I dont know why there are differences in my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Product: Credit card

XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

15 Us code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATLY!

These account should not be furnished on my consumer report as they are VIOLATION! Under, 15 U.S code 1681-b Permissible purpose of a consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT!. As a consumer I am demanding deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to XXXX  and Equifax.
Product: Money transfer, virtual currency, or money service

crypto.com has not allowed me access to my funds. They cut me off from my funds now for a month. They have not given me a reason for this other than saying suspicious activity. I have provided them with video of myself holding my drivers license or anything else they asked for. They just keep telling me they will update me on the status. I have messaged with over 25 people from their company and absolutely nothing has happened. They have over {$3000.00} of my funds frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My parents are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They did a refinance on home XX/XX/XXXX. There was almost $ XXXX in fees. The house is going through foreclosure now. I can't get assistance from anyone. Also They refinanced 3 or 4 times the loan is always placed with XXXX XXXX My father passed away XXXX of XXXX I sent the bank everything about 3 or 4 times. I thought the mortgage had life insurance on it They said no. The loan is now with specialized loan servicing account number XXXX I tried to report a problem with the closing and they said that there wasn't one. My mother just passed 3 months ago. I am the personal representative and executor of the estate. I need assistance from you. Please call XXXX XXXX XXXX. My address is XXXX XXXX XXXX  XXXX fl XXXX. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft 2 years ago. I sent 3 certified letters to Equifax requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as XXXX and XXXX about data breaches 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX company performed a XXXX XXXX XXXX service for us between XX/XX/XXXX in connection with a home and office move. They sent a single invoice via email on Sunday XX/XX/XXXX. Shortly after the service was performed we moved. XXXX  never sent another email, letter or other communication about the invoice or payment. The next communication we received was on approximately XX/XX/XXXX from A.R.M. Solutions, on behalf of XXXX a debt collection service saying that the bill was overdue and in collections. I immediately calledXX/XX/XXXXto advise them that I was not even aware that the invoice had not been paid as we never receive any followup communication. I paid the invoice immediately via credit card. XXXX responded via email with a confirmation that the payment had been made. They also indicated that A.R.M. Solutions would be notified. The next communication was on approximately XX/XX/XXXX from A.R.M. saying the invoice was outstanding. I notified A.R.M. that it had been paid and demanded an end to the unjustified collection attempts. I also notified XXXX  The next communication from A.R.M. was on approximately XX/XX/XXXX making the same false and damaging claim. I called both XXXX and A.R.M. again with the same demand to cease the unjustified collection attempts. With XXXX  I spoke to a billing supervisor who said she has emailed her counterpart at A.R.M. to advise the invoice had been paid and was going to be sent the confirmation letter issued back on XXXX, XXXX, XXXX. I received yet another letter from A.R.M. dated XX/XX/XXXX making the same false and damaging statement that the invoice was still outstanding. These communications are harassing, disturbing and damaging to my business and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX  XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over 65 XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information.

This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Debt collection

I received a letter from XXXX. XXXX  XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite have sufficient funds at the same time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situations mirrors the recent findings by the CFBP regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting or other personal consumer reports

I was in a accident on XX/XX/XXXX. I had a loan financed though Capital One Auto finance which was declared a total loss by the insurance company. 

On XX/XX/XXXX I received a letter from Capital One ( attached ) stating that my account was paid in full. XXXX XXXXXX/XX/XXXX my credit dropped drastically because Capital One reported that I missed XXXX months of payments from XX/XX/XXXX until XX/XX/XXXX. 

I have not had the vehicle since XXXX. I have not made a payment since the car was wrecked because I was informed by Capital One Auto Finance that I had a XXXX balance. I contacted the company and they are telling me that I have to pay them or they won't update me XXXX XXXX. I never made a late payment during the life of the loan. In addition, Capital One gave me another car loan in XXXX. If I had a balance from XXXX why did they extend me additional credit? 

In addition, I am the owner of XXXX Capital One credit cards. I am also pre approved for another car loan through them. 

This company informed me in writing I did not owe them anything and my loan was satisfied. Now that I am in the process of purchasing a home they purposely dinged my credit without notice. I feel as though they are targeting me for money I do not owe.
Product: Credit reporting or other personal consumer reports

I sent Experian and identity theft report from the FTC and proof of identity which is my ID with my current address on it and my Social Security card.. and they are saying the report isnt valid and the same about my proof of identity.. im gon na send you guys exactly what I sent them
Product: Vehicle loan or lease

I held a lease with Audi Financial XXXX VW Credit and the lease was cut short six months early because of a vehicle accident in which the XXXX XXXX was totaled. Instead of acting fairly with me in the event of this accident, the company did not offer me to get a vehicle swap after the accident ( despite that being part of my lease ), nor did it give back a car payment made one day before the accident date at a prorated amount. It kept the entire payment on the grounds that it was my contractual obligation to pay them even without use of the car. The company offered no legal reason for keeping that car payment. It also kept more than {$10000.00} in overage fees paid by my insurance carrier, despite a clause in the vehicle lease that states I would be entitled to the overage payment in the event of a total loss. The company said they are the owners of the car and therefore get to benefit from any overage, so they in essence profited from my accident. The company 's own salespeople were shocked by this treatment. 

In addition, the company said that it could not take my bank off its autopayment service, so I would have to keep making payments for the car even though it was paid off in full for the car by my insurance carrier. Instead, it referred me to its web site to stop the autopayment function. Yet it's web site did not work and there was no way to unhook from its financial autopayments on the site. A woman at Audi Financial said she would mail me a form to get off autopayment and that form took two weeks to arrive ( past the date of the next scheduled payment for a car I no longer used ), so the company is doing everything in its power to keep cashing checks instead of looking out for its customers. When I asked for a number to complain to the company, a representative gave me a special number. When I called, there was a XXXX hour wait to reach a human.