23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX, 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 an 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. Account needs to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was researching my credit profile and i notice there was an error on my credit report. I do not recognize the below hard inquiry and have no association, credit, loans or accounts with the below creditor. 

Bethpage Fed Cr Union XX/XX/2021
Product: Debt collection

To Whom It May Concern : CITIZENS BANK ACCOUNT NUMBER ENDING IN XXXX Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 
However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

You will not list this debt as a settled account. 

Your company will accept this payment to satisfy the debt in full. 

Your company will not attempt to sell or transfer this debt to another creditor. 

You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX
Product: Debt collection

My credit report is showing two collection accounts, the collection company is Southwest Credit system XXXX account XXXX, Southwest Credit System XXXX account XXXX received no written notification about this debt. I had no time to dipute this debt. I am disputing these collections as well as requesting debt validation. In this debt validation I would like to see the contract I signed with the original creditor guaranteeing I pay this debt with my signature, detailed history of payments, proof that you have the chain of title to collect on this debt. Without being able to provide any of this information I am requesting these collections be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter
Product: Debt collection

XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.
Product: Credit reporting or other personal consumer reports

Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing XXXX XXXX  XXXX XXXX because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX and my Problem is me owing them XXXX XXXX  has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing XXXX XXXX XXXX XXXX XXXX XXXX and possibly my XXXX account is mixed up in it as well closing out owing them XXXX dollars because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX and XXXX XXXX and this XXXX XXXX a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed thousands of dollars but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX XXXX for an account they sent me this letter saying my XXXX XXXX XXXX is high risk
Product: Credit reporting or other personal consumer reports

I called on XX/XX/XXXX to report that my identity had been used to open or apply for an account with NetCredit. I had a hard pull on my credit for this company that I did not request. I called XXXX. They said they could see that I had an open account using my maiden name and they would send me an email including what I would need to have this issue resolved. I sent them a signed letter with my information request for removal. A FTC report and a police report where I had contacted my local police on the matter. Then on XX/XX/XXXX I received an email stating that my application had been denied. It had my maiden name but included my current address and other current information. Again I still have not applied for anything from this company. I believe that they used the information on the letter that I sent over to run an application for services that I did not request.
Product: Debt collection

Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. 
I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. 
Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My  credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. 

Today XXXX and still have not received any documentation from anyone concerning a debt I owe. 
. 
Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. 

XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. 
I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. 

XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. 
Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. 

XXXX/XXXX/XXXX, yet to receive ANY documentation. 

XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. 

As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.
Product: Credit card

I was contacted by an employee of Capital One on XXXX XXXX, the employee made a threatening voicemail stating " call me back or come back with a XXXX ''. 
After reviewing the voicemail I contacted Capital One to file a complaint and was told that upon review of their recording the agent was n't aware that he was leaving a voicemail and was having a personal conversation. I was told that he stated that there was a quarterback that XXXX however, my voicemail states something completely different. I reviewed the voicemail again and sent the recording to XXXX XXXX via email and was never contacted again. I am extremely upset that I received such a threatening voicemail and the issue has not been resolved and has been completely ignored by management.
Product: Credit card

I have been told by Navy Federal Credit Union that autopay doesn't apply for external checking accounts. They are counting on racking up late fees by forcing customer to have a checking account with them. They need to allow external checking accounts to be allowed for auto pay. Any fees that have been collected unfairly need to be paid back to customer. 

This company markets to veterans and military members, but they do not follow the same guidelines that XXXX XXXX XXXX XXXX and XXXX XXXX follow in allowing for external account auto pay.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Money transfer, virtual currency, or money service

Paypal Seller : XXXX XXXX XXXX Transaction # XXXX {$100.00} # XXXX {$100.00} Seller info : email and Cellphone # XXXX XXXX I contacted the seller and paypal and i open a case but paypal didnt approved my issue saying it wasnt an authorized deal or transaction. Seller promise me to send right away the item but never do it and never replied anymore. I just dont want this seller making scam or fraud to any fellow Americans Citizen just trying to purchased good from a scam seller. Hoping your good company will look into this even if its not a big thing deal issue. Thank you and XXXXbless you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting accounts 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was on deferment with Lincoln Automotive. A payment was processed today XX/XX/year> and yet Lincoln reported me as being delinquent! This is unfair and decepetive practices! I The report date for any company is the last day of the month!
Product: Credit card

To whom this may concern, I am a Citi bank card holder, the type of card I have is the Citi thank you card. One of the perks of this program is that you can earn reward points for eligible spends, which can then be transferred to airline frequent flier accounts or hotels etc. In this program, family and friends have the ability to share points with each other. I had an important upcoming travel, a couple of my friends have chipped in their points, to make this travel possible for me. I logged into my Citi account to transfer the thank you points to my XXXX XXXX account. When selecting the airline I mistakenly selected XXXX XXXX. ( XXXX is an XXXX XXXX company as well, so this was completely human error. ) When I entered my XXXX program account number I did no not receive any pop-up or notification that this account number is not correct. ( I have had this mistake in the past with other companies and always received an error notification, so this is clearly an error on CITI 's end. ) When completing the transaction I was notified that points will transfer to my airline account in fourteen days. A few weeks later, I logged into my XXXX XXXX account only to notice that the points have never arrived. I then logged into my Citi account and noticed that my thank you points were not there as well. After several calls to Citi the representative has informed me, that when points are shared there is a sixty day timeframe to move the points out, or they will expire. I tried explaining to the representative that I have indeed transferred the points within the proper time frame, and followed all terms and conditions. Being that there was no indication, at the time, that the account number was not correct, I did not know that the points bounced back to the account, and that I would therefore need to transfer the points again. I called back and tried speaking with a different agent and was told that the reason why the points never showed up was because I tried transferring it to someone else 's account. When I offered to send them a screen shot of my airline account showing my name with the exact spelling as they have it, they suddenly changed the story to other excuses. I have tried calling a lot of times to explain my situation. I spoke to a supervisor, as well as I have mailed in a personal letter to one of their main offices. I was told that they will look into the matter, but eventually nobody did anything about it. I feel that being that I am a small man against a big company, they can take advantage of me. I did the transfer within the timeframe, and made a human error with the account number, I got no indication that it was wrong, and before I knew it my points were gone. I did whatever i can possibly do within my power, I am not a rich man, and I have literally cried myself to sleep, as the value of these points are equivalent to a ticket of {$5500.00}. I will sincerely and greatly appreciate it if someone can help me get my points back, and defend my rights. I thank you so much for such an amazing agency and taking the time and patients to read my long letter.
Product: Consumer Loan

I took out a personal loan with Wells Fargo XX/XX/XXXX. I have several issues with the bank, which continue to be unresolved. So I will address only one issue at this time. My monthly payment is {$210.00}. Enclosed, please find that on XXXX/XXXX/XXXX, a payment was made and the entire payment of {$210.00} was applied only to interest. In addition, the balance never decreased due to this mistake. It still appears as {$5000.00}. The bank agreed to correct the mistake, but then changed it back to the original error. I am asking for assistance with the banks error. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , XXXX  and Transunion but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting

XXXX XXXX had informed me that Equifax has a fraud alert on my credit report. I did not place it on my report and they have refused to remove it.
Product: Credit card or prepaid card

XX/XX/XXXX Called company because a late fee was applied to my account. A minimum payment of {$40.00} was due XX/XX/XXXX. I paid {$100.00} online through XXXX XXXX on XX/XX/XXXX and the payment cleared my account on XX/XX/XXXX. When I called the credit card company the customer service rep said the check was mailed by XXXX XXXX and Commenity did not post it until XX/XX/XXXX. She blamed the mail and I said I didn't believe it could take over XXXX XXXX  weeks for the payment to get from XXXX to XXXXXXXX XXXX. Therefore I was charged a {$28.00} late fee plus interest. It sounds like a scam to me. How am I supposed to feel comfortable making my payments not knowing if I am going to be charged another late fee. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never come across something like this and feel they are operating in a unethical manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I have asked in a letter, XXXX, TransUnion and XXXX to remove the bankruptcies and correct my Name, phone numbers and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Product: Credit reporting or other personal consumer reports

Under the FCRA, this account below has violated my consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt out of any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$31000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$4600.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/year> XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to report fraudulent inquiries. I never received a noticed with proof the inquiries belong to me under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Product: Credit card or prepaid card

Chase gave me an offer through their banking app for a chase slate card saying it was already approved and then declined my application after I accepted. Now I have a hard pull on my credit report and didnt even get the credit card. Chase has refused to help. They are lying to consumers in order to increase credit card application rates.
Product: Debt collection

Was threatened to be taken to court or arrested is I did not make payments on my debt