23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company call me asking about another person try to collect all my info then report the account to the bureau knowing they have the wrong info I ask for proof Id social never provided. They have the wrong info and they are trying to make me paid for a account that is not mine
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim associated with reference number XXXX, which pertains to civil liability for negligence involving CBE Group Inc. I believe that the claim is unfounded based on the following reasons : Lack of Evidence : The claim lacks adequate evidence to support the assertion of negligence. I request that all relevant documentation, including incident reports, communications, or other pertinent materials, be provided for review. 

Request for Review : I respectfully request a thorough review of this matter and an opportunity to discuss the details further. I believe that a fair evaluation will lead to the conclusion that I am not liable for the alleged negligence. 

Please acknowledge receipt of this letter and inform me of the next steps in resolving this dispute. I look forward to your prompt response.
Product: Credit card or prepaid card

I have had a Capital One credit since XXXX. On XX/XX/XXXX I made a credit card payment electronically directly from my Capital One Checking account into my Capital One credit card account. XX/XX/XXXX I personally went to the CAPITAL ONE bank branch at XXXX XXXX XXXX XXXX XXXX and withdrew {$100.00} from the Capital One ATM inside the bank branch then went directly to the Teller window and paid the {$10000.00} toward my credit card. That was a total of {$700.00} paid on XXXX XXXX. My credit card due date for my credit card payment is the XXXX of each month. My {$700.00} a day before my schedule monthly payment date. For two { XXXX } days I saw no reflection of my two ( 2 ) credit card payments. I called the Capital One Bank and spoke with the credit card department and asked about my two ( 2 ) credit card payments totaling {$700.00} on XXXX XXXX?? the Credit card department told me on XX/XX/XXXX that I had insufficient funds and my {$600.00} electronic payment from checking account was returned. On XX/XX/XXXX I had {$2500.00} wired to my checking account. the next morning I had the {$600.00} electronically deposited into my credit card account. Capital One bank charged me interest and a late fee for XXXX, XXXX then again late fee and interest fee for XXXX. Capital One says they did not post my payment until XX/XX/XXXX. I paid my credit card ahead of schedule with more than sufficient funds in my checking account. Capital One could not have [ possibly returned my {$600.00} if I had insufficient funds that's a blatant lie they refused to acknowledge that my payment was made on XX/XX/XXXX. Capital One has extorted me for late fees and interest two ( 2 ) months, ( XXXX & XXXX ) in succession. Capital One now continually calls me about my overdue account. Capital One bank has fraudulently charged me late fees and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.
Product: Vehicle loan or lease

I, XXXX XXXX the consumer sent a Cease & Desist and a Debt Validation letter certified mail to Nissan Motor Acceptance. They have received/signed on XX/XX/2022. Please see attached.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXXc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Checking or savings account

Bank of America free checking offers checking yet I am being charged {$10.00} maintenance fee for the month of XX/XX/2022 when I should not be charged at all in the maintenance fee for this account I would like bank of America to refund {$10.00} I have a negative in my balance because of the maintenance fee with prejudice
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX. I see that this account is CLOSED and has charge-off status and yet you are reporting a past due balance. Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given, as required by the FCRA Laws. I do not believe the status of this account is ACCURATE.
Product: Credit reporting

I have been demanding to see verifiable proff ( an original consumer contract with my signature on it ) with it for MONTHS with the paperwork for XXXX card that shows up on my credit report. They have not provided physical verification of the original signed consumer contact. I have sent them several letters- certified, not certified, and also went to a notary public on some of my paperwork. I keep on getting this letter back from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in   XXXX   XXXX   and   XXXX   XXXX   financed it. I got behind in   XXXX   XXXX      XXXX   XXXX  , and   XXXX   XXXX  . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as Transunion, XXXX and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020 I hired a contractor, which ended to be a scam, and I sent him {$4000.00} dollar from my account at Bank of America through XXXX. As it resulted as fraud contractor, I called the bank to support me with fraud but they say that my transaction was like given cash. I was not aware from the bank how XXXX works. As a customer of Bank of America I felt that they dont protected me.
Product: Debt collection

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and I noticed a derogatory mark from XXXX XXXX XXXX. This account is involved in ligation. I disputed this with Equifax and with XXXX XXXX XXXX. I was not notified on the outcome of this investigation. It has been 30 days.
Product: Credit reporting

There is a judgment against me from XXXX XXXX. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account 30 days ago and the collection agency states they have no response from XXXX XXXX. I contacted XXXX XXXX yesterday and they would give me absolutely no information and kept telling me to contact the collection agency again. When I was married my ex husband had a XXXX XXXX card but I was never even an authorized user. I am not sure how his debt got put in my name. I have also disputed this matter on Experian and they did not remove from credit report. I have disputed with XXXX as well but they have until XXXX/XXXX/16 to complete investigation. Please help!!!! Thanks
Product: Debt collection

I had an account with XXXX XXXX  I paid the XXXX settled the account was closed a year later this company portfolio recovery was on my credit report and said I owed them XXXX recovering a debt from XXXX XXXX  witch is confusing because I paid and closed out the account a year prior I asked portfolio recovery for them to prove I have an account with them with my address and signed signature and they have not sent this. I dispute it off my credit report and it gets removed but then I go back on my credit and it appears again I asked the credit bureau why this is happening they said is because they have my information and keep putting it back in my credit report and thats going against my fair consumer reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Money transfer, virtual currency, or money service

I had an account with payPal and was using it for XXXX  transaction. I sold my PC and received {$380.00}. Paypal shut down my account without any explanation and freezed my money. There is no any help from them and any explanations. I can not get my money for PC.
Product: Student loan

My issue is with them with holding my official transcripts. 
My account has already gone to collections. 
I owed XXXX personally on top of my student loads and they are with holding my offical transcript from XXXX. 

I paid up until XXXX and I can't afford to pay any longer. 

I know that a law XXXX XXXX and won. 
I just want my transcripts and my student loans reduced. 

I asked for reduction twice in XXXX and was told I could no longer have XXXX by the finacial aid department. I don't have names or phone numbers anymore and I'm no long able to access my email account with XXXX even though we were told as XXXX 's that we would still have access. We I tried contacting IT back in XXXX I was told they could no longer XXXX me access to my account even though I was an XXXX. 

That is not what was told to me by counceler when I tried to contact them they were fired. 

Again I just want my transcripts and a reduction of student loan fees. 

Its bad enough that I have NOW been defrauded by XXXX colleges, XXXX, XXXX XXXX and Now XXXX. My loans should be wiped but its NOT. 

Only XXXX college was ligit and that was XXXX XXXX XXXX. 

That really is a shame but then again I'm XXXX and the SCOUTS no longer care about that.
Product: Credit reporting or other personal consumer reports

See attached IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Credit reporting or other personal consumer reports

I have had someone try to open several credit card accounts. I was advised it was through Credit Karma. When i tried to get into my CK account that i have had for years i couldnt. I found out today that someone changed my email address. When i did a live chat the rep said she could close the account so i asked her to do so. I wanted to open a new account. She said i have to send two documents such as drivers license and birth certificate. I told her they allowed someone to change my email address without proof and now i need to send proof. I refuse to send these documents. If someone stole my info already what will keep someone from getting access to these documents. I had to freeze my credit statements with the 3 reporting agencies and call credit card companies to report fraud. They are obviously not a safe site to do business with.
Product: Debt collection

I would like for the NAVY FEDERAL CR UNION to show proof of verification that I owe them {$3.00}, XXXX with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 
In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have never had an account with Fifth Third Bank. I have tried multiple times to have the item removed, and the bank refuses to do so. I have also submitted multiple FTC.GOV ID THEFT reports. Nothing has helped. 

I would like the item removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Status Paid, Closed. {$42000.00} written off. 
Status updated XX/XX/2022 Original balance {$40000.00} Monthly payment - Last payment date XX/XX/2022 Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor-
Product: Credit reporting or other personal consumer reports

Recently, I looked in a copy of my credit report and I noticed several of inaccuracies in this account. This account is hurting my ability of obtain credit. It is my understanding that you guys will investigate these terms for to ensure accuracy. 
Her is the item that I'm asking you to verify as accurate. 
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: Credit reporting or other personal consumer reports

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.