23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Approx back in XX/XX/2019 / some time towards the end of the year. I spoke with a representative at Regional Acceptance in regards to my account. I advised the representative to cease all communication with the other party on the loan because she is my mom and she is older and this is not her vehicle. The representative confirmed the phone number and advised me that they would cease communication. I even verified that it was marked as cease communication. Fast forward to Wednesday XX/XX/XXXX and I receive a text from my mother saying that RAC had contacted her. An individual by the name of XXXX XXXX called her and not only did he call her after being told not to. He misinformed her on the amount owed and she was advised that the XXXX PMT was owed. When I contacted the company I spoke with another female who said she saw on the account that there was a cease communication on the number and she also mentioned it was called. She was also baffled as to why they called and offered an apology. This representative also misinformed me about what was owed and tried to tell me that we owe for XXXX. When the website clearly shows XXXX. We then called back and spoke with another representative who gave us the correct information on what was owed. We also questioned her about the cease communication that was placed on the account and she advised it was marked as no dialer calls. I advised her that was incorrect and requested a manager. She transferred me to a Supervisor Lead by the name of XXXX. Who tried to tell me that Im not allowed to place a cease communication on a phone number that is not mine. When we tried to advise that information is incorrect he no longer had an answer. We asked to speak with another manager and we were advised we need to leave a voicemail and get a call back. I know for a fact when an individual regardless of who it is asks for communication to a certain phone number that the communication needs to cease.
Product: Vehicle loan or lease

Gm financial has been reporting late payments on my credit. I didnt give them authorization to release my personal information This has impacted me tremendously and my ability to progress in life. I know that As per FCRA the late payments are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 US Code 168la ( ) ( a ) ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.

I feel as though In accordance with the Fair Credit Reporting act GM FINANCIA
L act XXXX XXXXXXXX has violated my Rights. 15 U.S.C 1681 section 602 A states i have the rights to privacy 15 u.s.c 1681 Section 604 A section 2 : it also states a consumer reporting agency can not not furnish an account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer plan as late for ANY REASON 15 U.S.C. 1681 section ( a ) Accuracy and fairness of credit reporting The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. U.S. Code 1666b - Timing of 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. These laws are governed to protect the rights of the consumer.Im sending this letter out demanding that you either remove all late payments from reporting with all CRA or remove the account from all CRA from reporting inaccurate information. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of and informing me of the actions taken to address this issue. Additionally, I request an accurate copy of my credit report once the corrections have been made.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the persistent delays in correcting the late open accounts and the removal of public records from my financial records, despite numerous attempts to rectify these issues. 

It has come to my attention that there are inaccuracies in my financial records, specifically related to late open accounts and public records that have been erroneously reported. Despite my repeated efforts to address these discrepancies and provide supporting documentation, the necessary corrections have not been made. 

These inaccuracies have had a significant impact on my financial standing and creditworthiness. As a responsible consumer, I have diligently maintained my accounts and fulfilled all financial obligations. However, the presence of these inaccuracies unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct these errors and ensure that my financial records accurately reflect my financial history. It is imperative that the late open accounts are rectified, and any public records inaccurately reported are promptly removed from my records. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers facing similar issues. 

Failure to take immediate action to resolve these matters will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. 

Thank you for your attention to this urgent matter. I trust that you will act swiftly to address my concerns and restore the accuracy of my financial records. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit card

I am filing a complaint regarding an XXXX transaction dispute with Capital One, where I returned an item within the required return policy window but have not received the full refund amount. I initially purchased an item from XXXX for {$440.00}, and upon deciding to return it, I was provided a deadline of XXXX XXXX, 2024, by XXXX to send the item back. I returned the item via XXXX on XX/XX/scrub> 2024, with tracking number XXXX, which confirms that XXXX received the package on XX/XX/XXXX, 2024well within the allowed return period. However, despite returning the item in a timely manner, XXXX has only refunded me {$120.00} out of the {$440.00} that I paid, leaving an outstanding balance of {$310.00} that is yet to be refunded. I reached out to XXXX customer service multiple times and was informed that my return is stuck in processing. Despite my efforts to resolve the issue, XXXX has not provided the remaining refund amount. I am seeking assistance from the CFPB to have XXXX refund the outstanding balance of {$310.00}. I have attached supporting documentation, including a dispute letter from Capital One detailing the temporary credit issued, XXXX account screenshots showing the status of the return process and estimated refund, and the XXXX tracking information that confirms XXXX received the item on XX/XX/year>2024. Given that I followed Amazons return instructions precisely and returned the item on time, I believe the remaining refund is due to me as per their return policy, and I kindly request the CFPBs help in obtaining it.
Product: Bank account or service

XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right now.
Product: Checking or savings account

I made a complaint with the XXXX in XXXX and was told after several responses back and forth from chime that I needed to file another dispute for the claim in regards to providing more information so I did. Not even 24 hours later from the time I submitted the claim an email being denied the dispute yet again. I didn't even get a chance to submit my documents or anything. I know they did not have the opportunity to even investigate the claim as they are suppose to do. I received an email today with the " documents '' they stated they used in order to determine the outcome to my dispute and they didn't even use anything as they are suppose to contact merchant and get other type of information in order to settle. I've attached the documents of the only thing they've seemed to use the items attached to the email they provided me stating that these are the documents they used to determine my claim. The customer service representative also that took my call filing my claim over the phone also provided false information as to asking questions in regards to filing this claim stating I didn't have no documents for proof. They also haven't actually looked at the documents that I've provided every time I file this dispute over the charges because they will see that not only does the account linked to my chime account is not my account that I provided proof from. Also the fact that when I got access to my chime account again they didn't see that I had to change the phone number address and email associated with my account since it wasn't correct. I've never had another address than the address I have now. Also attached is the linked bank account as well as proof it isn't my account.
Product: Debt collection

Name : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. 
NOR THEREFORE ANY SUCH DEBT : The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. XXXX protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection. 


According to 15 U.S. Code 1601, the Truth in Lending Act mandates that lenders provide clear and accurate information regarding credit transactions. The information reported on my credit report does not comply with these requirements, as [ explain why the information is inaccurate, e.g., " the account was paid in full '' or " I was not properly notified of the charge-off. '' ] I request that you conduct an investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ), and provide me with the results of your findings. If the information can not be verified, I ask that it be removed from my credit report.

Please delete the items as soon as possible. 

Account : XXXX. XXXX XXXX XXXX XXXX  : XXXX  Amount : XXXX XXXX. XXXX XXXX  Account : XXXX Amount : XXXX XXXX. XXXX  XXXX bank Inquiries : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Product: Debt collection

An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit UNION refused to except my " promissory note, '' as an  ( security ) , as LEGAL TENDER, under current statutorial law. pursuant to the HOUSE  JOINT RESOLUTION 192 and public law 73-10, this credit union can not req uire an payment complaintant to pay neither GOLD, COIN, or any particular kind of currency of FEDERAL RESERVE NOTES, BANK NOTES, CERTIFICATES etc. as declared to be against PUBLIC POLICY ... Also the denial of my promissory note as LEGEAL TENDER, under Uniform Commercial Code and securities law clearly demands this authority. this credit union refused to except the payment of legal tender as law requires.   see titl e 31 USC s. 5118 ( d ) 2 ). title 31 s. 463 9728    XXXX   XXXX   XXXX   XXXX   XXXX  . This whole procedural is fraudulent. THUS putting this information on my credit information and social security information ....     Date :  XXXX / XXXX / XXXX  Amount : {$540.00} NAVY FEDERAL CREDIT UNION  XXXX   XXXX   XXXX   XXXX   XXXX , VIRGINIA  XXXX
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America, outlining a series of grave concerns and grievances that have not been adequately addressed by the bank. Despite numerous attempts to resolve the matter directly with Bank of America 's customer service, the lack of response, investigation, assistance, urgency, and security regarding a wire recall request has left me with no alternative but to seek your intervention.
Product: Money transfer, virtual currency, or money service

Hello, Monetary Authority, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you
Product: Credit reporting or other personal consumer reports

When I created my equifax account on line XXXX places a typo in my social security number. 
I did not realize it but equifax allowed the account to be created. When I log on I see my name but someone else 's information. I have contacted the company 's support by phone. Wait times are like XXXX minutes.The last time was onXX/XX/2024.I also created XXXX disputes online with them. They reviewed the disputes closed them but didn't resolve the issue. 

I can't see my credit information but I can see someone else 's. Including the XXXX #. This is a major security issue with the way their accounts are created. 

Case # XXXX Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Product: Student loan

I saved up {$35000.00} to pay off the remainder of my student loan in full in XX/XX/XXXX. They said they would send me a statement that my loan had been repaid in full. Now that it 's tax season ( XX/XX/XXXX ), I logged back into my profile page to find the XXXX. It was nowhere to be found. I called and after a fifteen minute wait, XXXX answered my call. I asked why my neither my XXXX nor my loan payment statement from when I 'd paid it off had been mailed to me. She claimed that both had been mailed to the correct address and that my online profile would n't display any pertinent information because I 'd had the gall and audacity to pay off my loan and my online features were now blocked ... We confirmed and reconfirmed my address. Every other account and employer has been able to get me my documents via the mail except for this institution. It 's highly improbable that BOTH documents would 've gotten lost in the mail. Because I never received the paper in my hand stating that my loan was satisfied, I have anxiety to this day that there is still some kind of unsatisfied balance floating out there with accruing interest. And because they 're unable to get me a XXXX in either the physical or electronic form, my taxes may suffer. This is an official complaint against COLLEGE FOUNDATION OF NORTH CAROLINA for their incompetence, sloppiness and mistreatment of patrons who are in good standing.
Product: Debt collection

Diversified consultants is reporting they harmful listing on my credit reports for a debt I do not owe. I disputed the debt with the credit bureau but they still still are reporting a debt that I know nothing of. I also realize that the debt they are reporting has not been validated and that it is a violation of the FDCPA and FCRA to collect and report debt that has not been validated. They have not and can not provide a contract signed by me taking ownership of the said debt or itemized bill showing how the charges came about. I will not pay these people that I do n't even know for a debt I do n't even owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters datedXX/XX/2018, XX/XX/2018,XX/XX/2018 andXX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.