23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a old navy visa card with XXXX XXXX. Last XXXX  Baclays took over and issued master card. I charged my card with XXXX XXXX for water filter. First charge {$6500.00} and another charge {$2400.00} total {$8900.00} from XXXX XXXX XXXX ( XXXX XXXX ) XXXX or XXXX XXXX  XXXX sent email and phone verified with credit card company that I returned everything to XXXX XXXX  XXXX and I do not owe anything to XXXXXXXX XXXX XXXXXXXX. XXXX XXXX issued credit to my account before transfer. Barclays charged my card {$8900.00}, plus interest and late fees. They refuse to give credit to my account. They closed my card and informed credit report agency. My score is very low regarding the complaint. My other credit card company lowered my balance because of that. I receive statements from barclays every month with late fees for non payment ( {$8900.00} ).
Product: Debt collection

I.c. system.inc account XXXX has violation of my consumer privacy I didn't authorize this company to have or share the alleged debt it was reported on all three consumers reporting agencies I would like it removed from all reporting agencies immediately and I would like to receive the fine that they owe me
Product: Debt collection

XX/XX/2024 got a call from IQ Data debt collector regarding a debt that I requested information about previously, in which the man decided to tell me thats not his concern and that the manager has been avoiding giving me the information requested. I stated that I will not pay a debt I dont have information on. He then stated that he will contact my employer and asked if I was bilingual. I asked what me being bilingual has to do with anything and he said that it has to do with everything and my people. I told him I dont appreciate how hes talking to me and he said its not his problem that Im soft and dont like how hes speaking. Cursed. So I hung up and contacted my leasing office.
Product: Debt collection

I am disputing the adequacy of your response to my previous requests for debt validation. Your claim that there's no legal basis for my request for your state license and other verifying information is also in dispute.

Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have the right to ask for and receive validation of the debt you claim I owe. This includes documentation verifying your authority to collect this debt in my state. The bank statement you provided does not meet the legal requirement for debt validation. It doesn't constitute documentary evidence of the original debt or your legal standing to collect it. 

The Gramm-Leach-Bliley Act ( GLBA ) requires entities involved in debt collection or reporting to ensure the privacy and protection of consumer information. This includes obligations to disclose collecting agency information when requested. Your absence from the New York State Corporation and Business Entity Search database raises questions about your compliance with state regulations and your legal authority to operate within my state. 

The case law you referenced ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) doesn't release you from your obligation under federal law to provide consumers with the requested validation and licensing information. The Federal Trade Commission 's Statements of General Policy or Interpretation Staff Commentary on the FDCPA stresses the importance of providing consumers with clear and accurate information about their debts and the identity of those collecting them.

Reporting the amount owed without proper validation is inaccurate reporting under the FCRA. This could unjustly impact my credit report and score. This misrepresentation of debt violates my rights under 15 USC 1611, which requires accurate reporting of consumer debts. 

With these points in mind, I repeat my request for the following : 1. Proper validation of the debt, as required by 15 USC 1692g, including original creditor information and detailed account statements.

2. Evidence of your authority to collect this debt in my state, including state licensing information as applicable.

3. Immediate correction of any inaccuracies reported to credit reporting agencies regarding this debt, in compliance with 15 USC 1611.

I appreciate your efforts to close the account and cease communication as requested. However, you must comply with the above-mentioned legal requirements to fully resolve this matter and protect my rights as a consumer.

Please provide the requested documentation within 30 days of receiving this letter. Failure to comply may result in further action, including complaints to regulatory authorities and consideration of legal remedies.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policies. 

I would like to request that PayPal re-investigates my case and restore my account if possible. I rely on PayPal for my business and personal financial transactions, and this limitation has caused me significant inconvenience and financial hardship. 

I would like to stress that I have always complied with PayPal policies and regulations. Therefore, I am perplexed and deeply concerned about the limitation imposed on my account. I respectfully request that PayPal reviews my account thoroughly to see that I have not breached any of your policies. 

I understand that PayPal takes fraud and abuse seriously, and I fully support the company 's commitment to protecting its users. However, I assure you that my actions have been in good faith, and I have not engaged in any fraudulent or abusive behavior. 

I would appreciate your kind consideration of this matter, and I am grateful for any assistance you can provide in resolving this issue. Thank you for your time and attention to my appeal. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Credit card

i have an us bank credit card and i have been charged excessive fees on my account and tried to settle the account due to a family crisis and called US BANK to get som assistance with payment options and was informed that i could n't get help this account has ruined my credit and have n't helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus equifax, XXXX and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :
Product: Debt collection

Sectio  n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
When I went to   XXXX   XXXX   XXXX    searched they name and DBA name it came up No records found : Please check your fields and try again.       They call and call and have no Bond to collect in Texas ...     Under  Credit Control Service DBA Credit Collection Service Bond Numbers   XXXX  and  XXXX  is Not Bonded to collect in Texas Amount they trying to collect is $  XXXX  not know this Company
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wronXXXX 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: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, a credit card with XXXX  XXXX was added to my report. This account was opened on XX/XX/XXXX. 
I did not open this account and I was not aware of this account until I was notified that 105 % of credit card usage was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my credit file from XX/XX/XXXX showing a paid out XXXX XXXX account that I have. The account number is listed as XXXX and the high balance was {$15000.00}. This account was paid out in XXXX of XXXX as noted. I disputed the 60 day late payments during XXXX because I believe them to be incorrect. 

Equifax has now changed the historical delinquency to read that this account WITH A XXXX BALANCE SINCE XXXX, was 60 days late in XXXX and XXXX OF THIS YEAR. I have attached copies of the file from XX/XX/XXXX and XX/XX/XXXX. HOW CAN AN ACCOUNT THAT WAS PAID OFF IN XXXX BE 60 DAYS LATE IN XXXX? 

Someone has clearly changed this historical data AT EQUIFAX. I know it is Equifax and not at XXXX XXXX because the identical trade line on XXXX XXXX and XXXX   still shows the two delinquencies from XXXX and certainly not XXXX. 

This major error has dropped my score more than 30 points. This is clearly WILLFUL NON-COMPLIANCE with the FCRA and is likely subject to punitive damages in a court of law. The damage to my financial position and the costs for credit will all be part of such an action should I file it.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Check n go, is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking these accounts do not belong to me, per my consumer rights Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. Demand these accounts be removed as there has been no proof that these belong to me.
Product: Credit card or prepaid card

My name is XXXX XXXX, and a card linked to my Paypal card number ending in XXXX that I don't know about Paypal told me is under my name and under XXXX Bank. Still, I want y'all to verify if it is under my name and under that bank or tell me the person 's name and what bank it is under ; my PayPal account email is XXXX.
Product: Checking or savings account

I ask them about the fees and overdraft when this whole time I thought I had protection on my account and I keep getting overdraft fees. And random chargers I know nothing about.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed many hard inquiries that occurred at one time that I was not aware of nor did I authorize any companies to run my credit. Please remove these fraudulent inquiries from my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am also attaching my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In about XX/XX/2020, I closed a credit card with XXXX XXXX XXXX. Apparently, it was never closed. I have statements and proof of all payments ( even of them charging me for a prorated yearly fee, after I closed the account ) and statements until the end of 2020, which show a XXXX balance, including their mobile app, which STILL shows a XXXX balance. I never carried a balance of more than a few dollars on this account. Today, I was notified by Experian that I had a derogatory account with them, and they did a chargeback for {$340.00}. Not only was there XXXX correspondence about a debt I might owe, there was nothing at all on their mobile app that I owed money. To this day, it says I have a XXXX balance. I have spoken to 3 people, including 2 supervisors at XXXX XXXX, and they could not tell me about any charges or fees I neglected to pay. I have statements to prove it. Yet, they sent my closed account to a collection agency, severely damaging my credit, and my good name. I have gotten nowhere with them, despite legitimately trying to resolve the issue. This is fraudulent! I pay my bills, and they are wrong! I respectfully ask that you resolve this issue, and severely penalize this terrible company, who Ive found out has thousands of complaints like mine with the XXXX XXXX XXXX. Please help me! Also, please inform the 3 credit bureaus ( XXXX, XXXX XXXX, Experian ) that I am in good standing
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

submitted a debt validation request to XXXX regarding a collection account reported by FAIR COLLECTIONS & OUT ( Account Number : XXXX ). Under FCRA 609, I requested documentation verifying the debt, including the original creditors information, a signed agreement, and proof of legal collection authority. XXXX failed to provide any of the requested documentation but continues to report this debt. 

I sent a follow-up dispute, yet XXXX still has not provided proper validation. All I received was a printout of my credit report, Under the Fair Credit Reporting Act, if a debt can not be verified, it must be removed from my credit report. XXXX continued reporting of an unverifiable debt is a direct violation of FCRA guidelines. 

Furthermore, this account is being reported and potentially collected in violation of 15 U.S. Code 1692f ( 1 ), which prohibits the attempt to collect any amount unless it is expressly authorized by the original agreement or permitted by law. Since FAIR COLLECTIONS & OUT has not provided proof of the original contract, account history, or legal authority to collect, their actions constitute unfair and deceptive debt collection practices. 

The CFPB has previously sued XXXX for failing to properly investigate consumer disputes and misleading consumers about their credit reports ( CFPB v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ) XXXX This demonstrates a pattern of non-compliance with federal consumer protection laws. 

Given these violations, I request the CFPB to investigate this matter and require XXXX to delete the unverified account from my credit report immediately. If this issue is not resolved, I will pursue further legal remedies.
Product: Debt collection

XXXX XXXX XXXX is harassing & calling me about a XXXX XXXX XXXX credit card that is paid & closed. I Disputed with them to cease & desist calling me from various numbers out of the country & that I have no further business with them.
Product: Credit card or prepaid card

I, XXXX XXXX, consumer, a natural person ( 15 U.S. Code 1602 ( e ) ) who is alive, and dated on XX/XX/2022 am filing a complaint against Navy Federal Credit Union for the advertising of Down Payment pursuant to 15 U.S. Code 1662, Navy Federal is in violation. 
I, XXXX XXXX, did a consumer credit transaction with Navy Federal Credit Union dated on XX/XX/2022 and had to use my Credit Card ( 15 U.S. Code 1602 ( l ) ) aka my Social Security Card, along with a {$300.00} deposit for me to get a Secured Credit Card this is also a violation of The Truth In Lending Act. 
This transaction should be Cash OR Credit, not both within one transaction. 
I am demanding a refund of my {$300.00}, and zero out the balance, update my account to an UnSecured Credit Card with an extension of {$30000.00} credit limits. 
I, XXXX XXXX, consumer, expressing, and exercising my rights and in good faith and I feel an secured credit card is discrimination pursuant to The Equal Credit Opportunity Act ( 15 U.S. Code 1691 ). 
I, XXXX XXXX, consumer deserve a Unsecured Credit Credit Card the same way that other consumers has as well. There should NOT be any discrimination whatsoever. Navy Federal Credit Union needs to in good faith comply with requirements mentioned above pursuant to 15 U.S. Code 1681n ( a ) ( A ). 
Best Regards. Without prejudice.
Product: Checking or savings account

Fraud for {$70.00} on XX/XX/20, {$100.00} on XX/XX/20 and {$100.00} for XXXX are all Fraud wrongfully denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXXXXXX XXXX XXXX XXXX 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, XXXX  school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia XXXX XXXX interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/20XXXX XXXX XXXX XXXXXXXX : Balance {$7000.00} Last report date : XX/XX/2XXXX XXXX XXXX XXXXXXXX : Balance {$10000.00} Last report date : XX/XX/2XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX : Balance {$5600.00} Last report date : XX/XX/2023 XXXX : Balance {$19000.00} Last report date : XX/XX/2XXXX XXXX
Product: Debt collection

Got an alert from credit monitoring for a new collection account Midwest Recovery Systems for a supposed payday loan account that I never took out for {$760.00}. I received no debt validation in the mail and do not know who this is or what it 's for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX XXXX  Balance Owed : {$380.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.