23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Account name XX/XX/XXXX Account number XXXX Account name XXXXXX/XX/XXXX Account number XXXX Account name XX/XX/XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I made a payment of {$64.00} on XX/XX/year>. I was one day late with my payment. I'm being charged a {$41.00} late fee and my total balance is less than {$750.00}. This fee seems exceedingly and unnecessarily high. This is the 2nd such fee in as many months. This is paypal credit. They have no account number, although it's through synchrony bank. I tried to screen shot the statement but I'm unable to.
Product: Credit card

capital one said this was an interest free credit card, that i got through XXXX as an employee, now they are charging me interest on the credit card
Product: Debt collection

Hi, XXXX XXXX XXXX is accusing me of a debt owed that i never opened..no knowledge of this credit card company until i received letters of owing and threats from collection agency.. 
the reporting company is reporting false/inaccurate information is LVNV Funding LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act,15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/23 my accounts were closed following a returned payment on one of my 4 American Express cards. 

That day, XXXX bank could verify, I had the money in the account to cover the transaction. 

I called immediately, and was told to bring all of my accounts current and I would have no issue getting my cards reinstated. 

I then, paid off 2/4 cards. Significantly reduced the balance on the other 2. I had to call to do so because I was unable to do so online. 

I called to have my cards reinstated and they acted like they had no idea what I meant. I finally got transferred to someone who told me to just apply for new cards. Amex has multiple programs such as XXXX, etc. nobody will tell me why I was not offered anything. I have been a good customer. I started a new business and had some payments not go through because of new bank accounts etc ( you can see I paid for years through one account, and now am from another ). 

I just want some or all of my Amex back. I have never left Amex hanging.
Product: Money transfer, virtual currency, or money service

Gemini cryptocurrency exchange [ https : //www.gemini.com/ ] offers a product named Gemini XXXX which promises redemptions to be available " ... in all cases our partners are required to return your funds to you within five business days. '' [ 1 ]. 

On XX/XX/2022 I submitted the following redemption requests : * XXXX ETH ( ethereum ) * XXXX XXXX ( XXXX ) As of XX/XX/2022 these have still not be returned to my account for withdrawal. 

I reached out to Gemini customer service and was pointed to [ XXXX ] that the company is choosing to no longer honor the XXXX business day XXXX for redemption. 


[ XXXX ] https : XXXX [ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, XXXX XXXX XXXX XXXX XXXX XXXX, which appears on my credit report. I am requesting that this collection be removed from my credit file within XXXX  days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within XXXX  days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report. 
XXXX. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, XXXX XXXXXXXX XXXX  XXXX ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA. 
XXXX. Time-Barred Debt ( State Law and FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation. 
XXXX. Failure to Notify of Debt ( FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ) Under the FDCPA, you are required to notify me in writing within XXXX  days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA. 
Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within XXXX  days of receiving this dispute. 
Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.
Product: Student loan

We secured a private educational loan in XXXX for our son, with a co-signer who had a relationship with and was invested in our son. The original loan was {$67000.00} and was with Sallie Mae, not with Navient. 

Our son died in XXXX of XXXX before completing his education. We no longer have a relationship with the co-signer, as his relationship was just with our now-deceased son. 
We requested a forbearance every year since his death and were declined every time We were offered a reduced payment plan ( which we accepted ) not realizing that it would 1 ) add to our amount owed 2 ) would forbid us from removing the cosigner from the loan Because we could not afford the nearly {$1000.00} per month loan payments required, we accepted the reduced payment plan so we could manage monthly payments without late payments that were hurting our credit scores As a result, our loan is now close to {$75000.00} and we are stuck, being refused any help by Navient, and are not permitted to remove the cosigner It is unclear to us when the loan shifted from Sallie Mae to Navient, but the ugliness began with Navient We are now almost 10 years into this loan, and owe more now than the initial loan. Navient refuses a forbearance or reduced payoff, and refuses to remove the cosigner We are now nearing retirement and this loan will outlive us. It is a serious financial strain on our lives and an emotional monthly reminder to pay for a loan for our deceased son. 

We will be forced to default on the loan and/or file for bankruptcy if Navient continues to refuse to negotiate.
Product: Credit reporting or other personal consumer reports

This serves as my formal complaint to EXPERIAN. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Product: Checking or savings account

Coming into this branch I already experienced several problems with XXXX the banker who opened my account. Coming into the branch on Saturday XXXX XXXX at XXXX XXXX   I came in and as always saw very friendly staff. I came and approached XXXX XXXX the teller and she informed me that my D.O.B. was wrong on my account so I had to speak with the banker who opened my account which was XXXX. I was reluctant to do so because of every experience I've had with her including one the previous week in which she called me with a nasty attitude and told me she pretty much was only calling because she had to. 
I came into her office and she never once asked me for any identification even after I tried to present it to her. I find it very unethical and illegal for a banker to access my personal records and discuss my account without properly identifying who I was or accepting my identification. She was so rude as always I still never got my account date of birth fixed and its so disheartening to know great representatives of this branch from the security staff to XXXX XXXX the branch manager, XXXX a banker, XXXX XXXX, teller and the other tellers who are so professional and courteous even to rude customers are now seemingly over shadowed by this one banker who treats customers as she wants to and still is literally acting as if she is above the law by not verifying my identification. She has got to be the rudest banking rep I've ever had to deal with in banking. Horrible service from XXXX on a regular and continuous basis. She never even greets customers with a hello or goodbye or have a nice day or anything. She is always so informal and rude and I just have literally started to hate coming into this branch do to her actions and behavior that seems to go uncorrected because she is not being held accountable for her poor customer service. 

This is in reference to the branch located at XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

I do not owe the PORTFOLIO RECOVERY charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, I have taken proper steps to report and ask for validation but nothing has been done
Product: Checking or savings account

I tried to open up another account with Wells Fargo my old account was closed out do overdraft fees and I paid off all my old overdraft fees and I'm still having problems trying to open up a new checking and savings account can you please tell me why and what's going on
Product: Credit card

I opened a secured credit card with my own money. The amount deposited was {$1000.00} which I was told would be my credit limit. Upon entering into the agreement, I inquired about the secure card being transitioned into a revolving account. I was advised as well as it was outlined in terms and agreements that once I maintained a positive payment history for a year my account would automatically transition into a revolving account. I maintained my account in great standing for over the time period allowed, how the agents kept creating unfounded claims and stipulations to push back the maturity date. Never upholding the bank policy and procedures. I was advised by Citibank credit department that my account did actually qualify. My account was never transitioned. 

In addition to failing to adhere to secured card policies, claims were not properly adjudicated and Citibank blocked my access to account to view transactions, prevented me from filing a claim and closed my account without cause or notification. 

Citibank then erroneously reported my account to the credit bureaus as a late payment account and charged off account. This is not the case. Also, the funds were my own. Citibank reported my account as a revolving account, However, I was advised by Citibank card services that this was never transferred to a revolving account. I secure card account was never in default. Citibank reported my account was charged off owing {$450.00} of the {$1000.00}. There was no possible way this is owed because the limit was only {$1000.00} and the account will not allow for transactions to process over the {$1000.00} Citibank is reporting my account fraudulently and legal action will be taken if this is not corrected with ALL credit reporting agencies.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$3700.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, Transunion, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.
Product: Checking or savings account

On my Bank account on Sunday XX/XX/year> I was charged several times for XXXX XXXX transaction to someone named XXXX XXXX. Huntington National Bank finally reached out with their Fraud prevention automated system via text to confirm the transaction which I denied the charge after 5 charges went through with this transaction prior. I am writing this compliant for the lack of security check ups that should've been texted to me after the first transaction went through and Huntington National bank having no services open on Sunday to resolve this issue. I also want to Complain to XXXX about the lack of resources on how to handle this situation
Product: Debt collection

I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3.  Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry was made fraudulent under my name. XXXX accepted the fraud dispute and delete the negative inquiry on my consumer report from all 3 credit report agencies ( Experian, XXXX, XXXX ) Experian still has not deletion up request.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX keeps telling me that my transunion credit score keeps going down 15-16 points at a time. My credit score which was in the mid 600s is now showing as a XXXX credit score. Theres no explanation for why the score keeps decreasing, in fact it keeps showing me that balances have decreased and the one negative item on there was removed. I try to view my credit report from the annual credit report website and it tells me theres an error every time but only with transunion. I try to get my credit report directly from transunion and it tells me I have to pay them {$30.00} a month to view it. All of my payments are on time, and my balances continue to go down. There is something seriously wrong with transunions reporting. My other two credit scores are XXXX points higher. Im tired of this and tired of transunion affecting my ability to have a decent credit score. They are the only credit bureau who has a score thats XXXX points lower.
Product: Money transfer, virtual currency, or money service

I am contacting you this time to get back the balance in my account ( {$3100.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account!

My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX SSN- XXXX DOB - XX/XX/ Phone - XXXX Account that need to be removed below XXXX XXXX XXXX XXXX XXXXXXXX Spoke with a representative from EQUIFAX OVER THE PHONE. Representive told me the account was verified as not mine, but dont know why its still reporting on my account so she entered another dispute over the phone because she said that the account shouldve been off
Product: Debt collection

Huntington has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.