23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : DISCOVER BANK Account Number : XXXX
Product: Checking or savings account

There was fraudulent transfers and withdrawals which were made on me and my daughter 's account ( my name is on her account ) on XX/XX/18. I notified TD Bank immediately. These were coming from a XXXX, NY location. I reside and CT. The total amount that was taken was approx. {$8000.00} ( around {$5000.00} from my account and around {$3000.00} from hers. ) I did file a claim and did give the Bank a police report, called SS to freeze my SS # and called Credit Bureaus. I had to keep calling constantly to see what the status was and was told to call the fraud dept. I never was able to speak to the same person nor the actual person doing the investigation. After the 10-day business investigation period, I was told that we were not going to receive our money and that our claim was denied. At one point, I was told that it had to do with an ATM debit card transaction and then I was told that it was from an IP address and was asked if I gave it to someone. I wouldn't even know where to locate it. I totally feel that this Bank is trying to make it my fault and are making me feel like I am the criminal. I asked them to send me the investigation report and give me a case # and the IP # they were referring to so that I can have it checked by an IT person. They told me that the only thing I was going to receive was the letter from the Bank denying my claim and that the IP # was confidential. Was my information confidential to this criminal. I can't believe that is how they treat a customer that has been with them for years. Thank you for any assistance that you give.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.
Product: Debt collection

I have sent letters requesting company to validate not verify this account and i have recieved no response.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX & XXXX XXXX  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 in 60 days 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, 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain once again about Toyota Motor Credit. Below you will find my original complaint and their response. I feel that their response is still unjust and I will continue to file complaints until they take proper action. The fact that they can damage my credit report negatively for 7 years over one written attempt which I did NOT receive is absurd. As the co-signer on a lease with Toyota Motor Credit how can it even remotely be a fair practice to collect a debt through one letter and ZERO phone calls if that letter was not acknowledged. Now i'm left with a damaged credit report thanks to their lack of due diligence. I am right in the process of home buying and this is basically killed that. I want Toyota to take responsibility for their lack of attempt at collecting this debt and REMOVE this unfair charge-off report from my credit report. They claim they are are required by law to report accurate information and I would hardly describe their attempts as and this " Charge Off '' as accurate. You have the power to remove this do so! Otherwise, i will continue to complain, and even seek legal representation if need be for such unjust business practices and reporting. Hardly the intent of the FDCPA to say the very least.
Product: Checking or savings account

I faxed the information requested by my bank to verify my identity on XX/XX/2021. I was told it wook take 5 business days to have access to my account. I called back on XX/XX/2021 and was told that the documents were grainy and that I would have to refax them. I called the bank regularly and was not told of this issue until today. I am now being told that it could be 48 hours to another 5 business days before I might have access to my account. I have never been informed by the bank as to when I would have access to my funds. They claim that they do not have the phone number to the department that authorizes the release of my funds. I need access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX XXXX Account # XXXX, 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
Product: Checking or savings account

Ever since XXXXXXXX XXXX Citizens Bank has XXXX stopped processing my transactions as they happen in real time. EVERY MONTH my account goes into a unnecessary overdraft ( yes I know when I commit MY own overdraft ) They literally are doing what they got sued for and lost and paid almost a XXXX dollars to handle. XXXX my transactions late ALWAYS the biggest transaction first doesn't matter how big the purchase is. The app is buggy the website doesn't show updates to the account either
Product: Mortgage

A complaint was filed with your bureau. 

The lender stated the error was theirs, however, they refuse to refund my account the amount of money they overpaid the PMI vendor until the PMI vendor repays them. 

XXXX made the error and XXXX needs to refund my money now regardless of their awaiting money for an error they made.
Product: Credit reporting or other personal consumer reports

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not allowing me to lift the freeze on my credit reporting. They asked for a security pin they claim was emailed which I did not receive. Will not even entertain my phone calls because they claim they need to get the security pin they sent that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that I am reporting inaccurate and an incomplete credit information on my report. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts and inquiries that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts I demand to see verifiable proof ( Original Signed Contract ) that you have on file for the account listed Below inquiry ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these Account has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed and if unable to provide me a copy of verifiable proof you must remove the account listed below I Demand that the following Account to be removed immediately I do not have any responsibility for the Account youre trying to collect review of account information showed several redacted pieces of information as well as information not belonging to me I have been a victim of identity theft in the past this is on going if you have reason to believe Im responsible for this debt mail me the documents that make you believe that. stop all other communication with me with this address and record that I dispute having any obligation for this Account if you forward or return it to another company please indicate that this account is being disputed In addition please remove all non-account holding inquiries over 30 days old have Submitted documents and other required information to confirm that this Account does not belong to me Under federal law you have 30 days to complete your reinvestigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is herby requested as well, to be provided within 15 days of the completion of your re-investigation below i have also attached a copy of my identity theft report
Product: Debt collection

I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.
Product: Debt collection

American Student Assistance unlawfully garnished my income tax return. I am not liable to any debts owed to American Student Assistance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXX  Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, 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 15 U.S. C 168Tc. ( 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

According to the FCRA the account named, JEFFERSON CAPITAL SYSTEMS LLC has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the d
ebt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXXXXXX XXXX XXXX  + Finance/Personal XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Banks XXXX Inquiry : XXXX. XXXXXXXX XXXX  + Banks XXXX Inquiry : XXXX. XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX + Automotive XXXX Inquiry : XXXXXXXX XXXX XXXX + Travel/Entertainment
Product: Bank account or service

When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX XXXX. Have been unfairly reporting my credit. All 3 have been misusing my personal information. I am aware of what's going on with the lawsuit and want to join in on it. I need all 3 credit scores fixed somehow. I am a XXXX veteran and am on the rebound rebuilding. I am trying to buy my wife and I a house but can't unless the lies of my reports are cleaned up. It seems they're always on the side of the reporter and not us the consumer leaving our scores lower than they should be.