23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS IS ANOTHER DEBT COLLECTION FRAUD BY AWA COLLECTIONS XXXX XXXX XXXX XXXX CA XXXX XXXX AWA COLLECTIONS THIS STATEMENT IS ADDRESS FROM THIS ADDRESS DEPT XXXX XXXX XXXX XXXX CA XXXX AND THEN THE PAYMENT ADDRESS IS TO BE SENT TO XXXX XXXX XXXX PAYMENT CODE CITY XXXX CA, THIS INFORMATION IS ALSO SENT TO FTC. THEY ARE REQUIRED BY LAW TO STOP THESE FRAUDULANT COMPANIES SENDING STATEMENTS OF DEBT THAT IS NOT OWED.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5700.00}
Product: Credit card or prepaid card

Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX  like credit and have paid them off many times. I did not realize every time I used money it was like a new loan so I have like 20 XXXX XXXX on my credit reports They are all paid in full
Product: Money transfer, virtual currency, or money service

I sold XXXX on coinbase.com and the bank transfer ( XXXX ) is still pending, it was on the XXXX of XXXX. 

Multiple people have the same problem, they just email you some generic response and nothing. It 's about XXXX XXXX, which I need to finance my house. 
Please help me.
Product: Credit reporting or other personal consumer reports

Dear Experian, You have willfully and negligently failed to comply with the FCRA requirements by continuing to report inaccurate, incomplete, or unverifiable information and failing to DELETE such information. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my Experian report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Product: Credit reporting or other personal consumer reports

My account with the XXXX  XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 inquiries listed on my XXXX  and XXXX  report that I DID NOT authorize. I called XXXX and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is committing fraud. I have an XXXX XXXX account that was flagged as bad debt back in XXXX. But previously another time in XXXX. XXXX XXXX flagged that same account again this week and Experian took another XXXX points off my score. Legally you can not blame a person for the same crime more than once so why is Experian allowed to damage my credit more than once for the same account same balance and same reason. Cfpb please document this
Product: Student loan

Good Day, I currently have student loans being serviced by Navient. 

I am being charged late fees with no explanation as to the time frame these fee were accrued. I paid XX/XX/2021 late fees as I did not want to accrue penalties, fines or risk a negative credit impact. 
I have received two email responses to this topic but have not been given answers that are detailed or specific to the issue. 
Here is the latest example of what I have received : Please note that XXXX billing statement shows another late fee, although I paid this last month. It seems to be an " on going '' late fee, irrelevant of whether it is paid or not. 
Thank you for any assistance with this problem. 

Navient Response : Thank you for reaching out to us regarding late fees. I am happy to assist you. 
A late fee is assessed on the XXXX day of delinquency. Commonly, the fee amount is 6 % of the monthly payment amount. 
The late fees will show as due until they are paid in full. 
You do not need to pay these fees at this time. 
Payments are applied to your account as follows : 1. ) Unpaid Fees ( if applicable ).

2. ) Unpaid Accrued Interest.

3. ) Unpaid Principal. 
If you have a FFELP loan in an Income-Based Repayment ( IBR ) plan, the payment goes first to Unpaid Interest, then to Unpaid Fees, and then to Unpaid Principal. 
The formula we use to calculate daily accruing interest is : ( Unpaid Principal ) x ( Interest Rate ) x ( Number of Days Accrued ) = ( Y ) ( Y ) Number of Days in the Year = Accrued Interest Best Regards, XXXX, Loan Servicing Specialist ref : XXXX : ref Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX Inquiry : XXXX XXXX, 2022 - Bank ( XXXX ) XXXX Identify theft Ive called and told them someone fraudulent open this account they said they would remove the hard inquiry 3 months ago and still havent I need it off immediately its negatively affecting my credit Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.
Product: Mortgage

my loan with XXXX XXXX XXXX  was transferred to Valon XXXX XXXX on XX/XX/year> I immediately set up automatic payment from my bank on XX/XX/XXXX valon took the payment for XXXX, on XX/XX/XXXX they took the payment for XXXX then on XX/XX/XXXX they send me a letter stating that they still needed the XXXX payment, I immediately call them and they told me that my previous lender XXXX ask them to collect the XXXX payment then I call XXXX and was told that that is simply not true they charged my bank account for the XXXX on XX/XX/XXXX but posted the account current on XX/XX/XXXX because they were doing some accounting. 
I sent this bank statements to valon to prove payment but they insist that they needed something in writing from XXXX, here I am making my payments on time and still facing this threats of damaging my credit, I spent hours on the phone with XXXX  and valon and the problem is not fix valon wants me to pay double for the month of XXXX. is this Legal???? 
please help I am under a lot of stress I feel I am defending myself against a criminal organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent pull of my credit report : Equifax inquires XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.
Product: Debt collection

XXXX  sent me to a debt collector, however I communicated w/  XXXX  multiple times and confirmed, both verbally and in writing, that the equipment was returned and I do not owe any debt. I had never been notified that I was sent to a debt collector until I looked at my credit which showed that my credit was dinged, o n 3 se parate occasions, for this equipment not being returned. It took me, on my own accord and time, to find this and reach out to the debt collector directly in order to dispute this issue.  XXXX  clearly has not handled their documentation correctly and as  a Compliance Officer thi s is a clear regulatory violation.
Product: Payday loan, title loan, or personal loan

I purchased a sofa from XXXX XXXX and was approved through American First Finance. I was not told that I had a buyout option within 100 days. I found out on XX/XX/XXXX that my balance doubled. I called American First Finance and they told me that I could pay off the balance of {$330.00} instead of the {$880.00}. I called tonight XX/XX/20 and was told that I could not pay the {$330.00} and that I would have to pay the {$880.00}. I am so upset! I work hard and was willing to pay that amount today and could not. This is not fair for hard-working people trying to do the right thing. This is false advertising. They should make every consumer aware of their terms UPFRONT. Now I am being forced to pay double the amount on a sofa. I could've gone to a rental place to pay that ridiculous. I was not expecting this. I feel that they're taking advantage of the consumer. Please advise.
Product: Credit card or prepaid card

Ive been battling Identity theft for almost 4 years now and counting, XXXX and various other accounts were opened in my name. On numerous occasions i 've tried for years now to remove XXXX this fraudulent account MY CREDIT REPORT, however to no avail. They 've refused to send any Documentation regarding these fraudulent accounts, in accordance to Fair Credit Reporting Act Section 609 theyre mandated by federal law to furnish upon request, they refuse in which violates the FCRA and my consumer rights. ( VIOLATION NUMBER # 1 Also to add more insult to injury these nordstrom customer service reps even told me they have no information on this account and the information is off, Nevertheless what truly baffles me is how this creditor can continuously rely back to the credit bureaus indicating " Verification '' of this debt being mine when they refuse to send me any correspondence after countless letters and phone calls. VIOLATION NUMBER # 2 Under section 611 ( 5 ) of the FCRA clearly indicates creditors are required to promptly delete all information that can not be verified immediately.!!!!!!!!!! VIOLATION NUMBER # 3 I  ALSO RECENTLY SENT LETTERS WITH FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT ON XXXX XXXX 2017 AND CALLED AND CALLED THEY CLAIM THEY HAVENT RECEIVED ANYTHING.
Product: Credit card

XX/XX/2024, I settled this charge off account improperly sold to XXXX XXXX third party holder thats not listed on my credit report, and paid in full the amount delinquent. I received an email verification with an updated statement of paid in full for this account. 
XX/XX/2024, I called Capital One, the original account holder, to request a balance statement update to which I was told that the account was paid and is listed as paid but will not receive a statement from Capital One until 22 viewing days have passed as I can dispute transaction with my bank. I was then transferred to XXXX XXXX to get a statement I already received from XXXX XXXX 
XX/XX/2024, I was advised by XXXX XXXX to put a verbal authorization on my account with Capital One to verify account and status for XXXX and XXXX so that I can get a rescore done in process of a home loan. That was done according to Capital One records, or so I thought. 
XX/XX/2024, I was contacted by XXXX XXXX to get told that the account I had with Capital One was placed under investigation and that no authorization was on file ; thus impeding me from receiving the required documents my loan officer required for rescore.I again, requested a verbal authorization from Capital One for XXXX and XXXX to obtain information about the account to which I was told that the only information that Capital One could disclose was that the account is in a pending status and could not supply that information to either credit bureau. 
XX/XX/2024, I have not attempted to contact Capital One again. I do not feel like Im being told the same information from any call I place. Its never the same information. Im getting passed around and getting screwed out of a house for my family because Capital One is refusing provide me with a receipt of what I paid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this inquiry from my credit report.