23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : The XXXX  XXXX XXXX XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Debt collection

On XX/XX/2017, I received repeated and annoying phone calls from Nissan Motor Acceptance Corporation. There were four phone calls. The phone calls occurred at XXXX, XXXX, and two calls back to back at XXXX. This is in direct violation of the fair debt collection practices act. Considering this is the second time within a two month span that I have been a victim of a violation of this act from the same company, I am led to believe that something more egregious is happening. Therefore, it may be necessary for me to involve an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX  A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US EDUXXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT EDXXXXClosed -Account # XXXX Remove Immediately I have sent several request.!!
Product: Debt collection

I was sick and missed a payment. It happens. Since the late fee is assesed I'm not in a rush to pay it because I work in finance and I know how reporting works. Comenity bank has called 7 times today in 6 hours. They started at XXXX AM MST where I live. SEVEN. I told them to not call I would pay the bill and balance due with late fee on the next due date. And one of the calls was from a restricted number, I have a family member in the hospital so I answered it because that's how their calls show up, nope it was them, and I told them not to call I would pay ... still calling ....
Product: Credit card

I was encouraged to sign up for and use a Care Credit credit card to pay for my partner 's mother 's dentures in XXXX. The woman instructed us to pay the minimum and I would not pay any interest on the fee. I set up auto pay for the minimum and made all of these payments on time. I never received any statements from the company. 

I guess this was part of a promotion that expired in XX/XX/XXXX and since that time they have been charging 26 % interest. I called the company today and raised a dispute about this interest. I had not accessed the account in a long time and I noticed that the promotional expiration notification was set to " off '' by default. I went ahead and paid the balance that was due in XXXX when the promotion ended. 

I did some searching on the internet after my call and I saw that the CFPB has already come after this company for the same thing : XXXX XXXX XXXX Can you help me fight these deceptive and predatory practices?
Product: Payday loan, title loan, or personal loan

I opened an account with American First FinanceXXXX XXXX XXXX XX/XX/XXXX. Account # XXXX. When reviewing my credit report it was brought to my attention that I had a charge-off and an amount of {$200.00} owed to American First so I logged in and paid the {$200.00} in its entirety ( confirmation # XXXX ). I contacted the company via chat to discuss with them me paying it off and the rep instructed me to contact XXXX XXXX  XXXX, a third party collection agency to which i did. There contact number is XXXX. They returned my call this morning to which I told them that I paid the account off on yesterday via the payportal for American First Finance and informed me that they did receive my account but did not accept the account so it was not in their system. I then contacted American First Finance again at XXXX on XX/XX/XXXX, and told the agent what the collection agency told me. The agent referred me to physically call XXXX XXXX customer service at XXXX to which I did. The young lady that I spoke with let me explain what the situation was. I explained to her that my credit reports were reflecting a {$200.00} balance so I paid it off on XX/XX/XXXX and contacted them to let them know, and they told me it was with XXXX XXXX  XXXX which they stated it was not. She placed me on hold and stated she would call me back on what may still be owed on my account when I told her that {$200.00} is what the credit bureaus showed and their last reporting date to the bureaus was XX/XX/XXXX. This is also the amount that was turned over to collections, when she stated that it was leasing fees that were the extra amount but if they thought it was turned over to collections why would it accrue leasing fees or interest? They had just been informed by me that the collection agency did not have my account. She told me it would have to be paid but would call me back. This company has been reporting {$200.00} as a balance on my credit every month with the last report on XX/XX/XXXX. I have paid the {$200.00} total and do not feel it is fair to throw extra fees on me after I have paid the account and that those fees should be adjusted off. I have attached the report from the credit bureau with the last reported date and amount, the receipt from American First Finance portal showing payment, and the payment that has been deducted from my bank account from American First Finance
Product: Mortgage

I had applied for a rate & term refinance with NewRez on XX/XX/XXXX. 

After missing my closing date by 2 months, I received a closing disclosure on XX/XX/XXXX showing that I was set to close on the refinance, and the closing disclosure sent to me was completely wrong compared to what appeared on the actual closing documents. I will detail the information below : Terms I had agreed to on the original application ( Loan estimate dated XX/XX/XXXX attached ) : Loan amount : {$130000.00} with me bringing {$110.00} to closing. 
I *locked* into a rate of XXXX with XXXX points. ( Rate lock agreement attached. ) The estimated monthly payment was {$1300.00} Closing disclosure dated XX/XX/XXXX ( attached ) showed the following : Loan amount of {$140000.00} with {$1900.00} coming back to me at closing. 
Mysteriously the rate was 2.75 % with XXXX points ( no one ever told me that the rate/points had changed - and rates have gone down since I locked in so there is no reason for my rate to have gone up. ) The loan amount on the closing disclosure showed {$140000.00} with {$1900.00} coming back to me at closing after closing costs and payoff of my old loan. 
The monthly payment was to be {$1300.00} Closing was scheduled for Tuesday, XXXX, and the documents showed a completely different loan XXXX closing disclosure dated XXXX attached ) : Loan amount {$150000.00} with my second lien of {$10000.00} being paid off. It was never discussed with me that the second loan had to be paid off. This was a COMPLETE surprise at closing. I was now receiving {$24.00} at closing. 
The rate was now XXXX with XXXX points. When questioned about the change in rate/points, my processor said " I have nothing at all to do with the rate. '' I contacted my loan officer about this on XXXX with no response. I asked the processor to have him contact me, and she said she would, but it's now Monday XXXX, and I have yet to hear anything about why the rate was wrong. 
Monthly payment was now {$1400.00}. 

I have been incredibly displeased with this entire process - with missing my closing date, messing up the loan amount, lack of communication about a second lien needing to be rolled into the loan ( no one even asked me if I would like to pay it off with cash ), inaccurate closing disclosures, the interest rate and point combination changing with no explanation, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : TD Retail Card Service  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided
Product: Debt collection

I have recieved 2 calls in 24 hours on my private cell number that I have not given out as it's a work cell. I politely asked them not to call and got another call within a day 's time. They also are asking for someone who has a name close to mine or severely mispronouncing my name.
Product: Debt collection

according to 15usc 1681 under the exclusion section 2a1 the fair credit act states the company must show proof of ownership to debt i asked for original paper work to accorded debt in XX/XX/2021. i have not received any reply nor have they took off this debt that i do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 U.S.C1681. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. According to the following : 1. 15 U.S.C 1681 section 2 ( A ) States consumer has the rights to privacy 2. 15 U.S.C 1681 Section 604A section 2 It also states a consumer report agency can not furnish a account without my written instruction.

3. 15 U.S.C. 1681C ( A ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following : Terms of information any other adverse item of informed other than records of conviction of crimes which anthracite the report by more than seven years.

4. 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 accurate.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted Capitol One regarding a payment {$1200.00} that was for XXXX statement but applied to XXXX statement. Spoke to a manager that informed me how payments are allocated if paid before closing date. He was unable to move payment so he notated account of issue, waived late fee id applied and that no payment was due XX/XX/2022. He also confirmed cancellation of 3 payments scheduled on XX/XX/2022 for amounts below due to allocation concerns. 
1. XX/XX/XXXX {$100.00} 2. XX/XX/XXXX {$200.00} 3. XX/XX/XXXX {$200.00} During the call I rescheduled 2 payments for amounts below. I have been in contact with Capitol One mulitple of times requesting that canceled/unauthorized payments are refunded. Capitol One has refused to refund payments and wouldnt explained why payments were drafted after canceled and 2 payments on different dates ( 1. XX/XX/XXXX - XXXX and XX/XX/XXXX - XXXX ). On XX/XX/2022 I spoke to a manager by the name XXXX who created a ticket to have payments refunded promised to follow up with me on request on XX/XX/2022, manager never followed up. I also requested during that call that my account is reviewed for accuracy ( balance and interest ). I was advised that a different department will follow up within 7 to 10 days. I havent received no follow up. On XX/XX/2022 I contacted Capitol One again spoke to manager XXXX who advised me that request to refund unauthorized payments were denied. She was combative and refused to provide any further information and disconnected call. 
1. XX/XX/XXXX {$1500.00} 2. XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.
Product: Debt collection

I have been trying to secure a loan with a mortgage company to no avail, because a debt collection keep popping up in my credit report. I need to know the date and duration of this collection. Especially, the real nature of this collection and which company 's sent it in.
Product: Student loan

Hi, In XXXX I became unemployed and had XXXX. I filed bankruptcy and included my student loan balance in my debts. I was told it could not be discharged. 

I contacted Navient on several occasions, most recently last month to find out about any ways the loan could be discharged. 

I have been paying this loan since XXXX and presently am only paying interest on the original XXXX borrowed. It is on an income driven repayment plan. 

I recently found out that money borrowed beyond the cost of the tuition can be discharged in bankruptcy and I wanted to find out if I qualified for this at the time of my filing. 

I still owe XXXX on this loan. 

Thanks for your time and consideration.
Product: Credit reporting or other personal consumer reports

In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : XXXX : XX/XX/XXXX CAPITAL ONE BANK : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report, I have found an account that I have never applied for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on EXPERIAN website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on XXXX several times in past and to EXPERIAN AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
Product: Credit reporting

TransUnion is reporting a tax lien from the XXXX of Georgia in error. The XXXX of Georgia shows I do not have a tax debt listed with them. The TransUnion report shows a lien placed in 2007, however I did not live in Georgia that year. I filed a complaint that the lien was placed in error but TransUnion said it was validated without offering any proof as to how they validated with the XXXX of Georgia in a few days investigation. The Georgia revenue office says they do not validate debts with credit bureaus and do not report anything to credit reporting agencies. I would like this public record removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured Loan opened at XXXXXXXX XXXX XXXX Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX XXXXXXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Secured Loan opened at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

So essentially, google pay has had some kind of bug or issues where they cant seem to verify my account They have been withholding {$720.00} from me and refuse to give it back. I have sent in numerous complaints and done everything i could and am running out of patience. 

I need my money sent to me in check form asap or the account needs to be closed so I can claim my funds via the XXXX.
Product: Credit reporting or other personal consumer reports

I never had an auto loan with USAA. Some how when i paid off my XXXX XXXX XXXX XXXX USAA ended up with the title. I never filled out or signed for an auto loan with USAA. They corrected the matter and sent me a letter stating that the lien has been removed and title would be sent out. They proceeded to put a fraudulent account onto my credit report and claim I owe {$66000.00}. I have the title for my truck, a letter from usaa stating they removed the lien that was incorrectly put on the truck and a video recording of a phone call ( with usaas phone number visible during the phone call ) stating that I never had any kind of loan with USAA. Also this has been deleted over a dozen times and continues to show back up.
Product: Student loan

My automatic debits for Wells Fargo are set for the XXXX of every month which typically take a couple days to show up on my bank account as expected. 

OnXX/XX/XXXX ( Wednesday ) two debits of the monthly payment were taken out. This caused an overdraft of my bank account of {$36.00}. 

My bank can't refund the overdraft fee until Wells Fargo submits the refund. I had called Wells Fargo onXX/XX/XXXX ( Thursday ) to get that amount refunded. After going back and forth ( stating that I needed the refund to clear the overdraft fee versus not having it a charge for next month ) with the customer service representative that I needed the amount refunded they agreed to do so. 

It was also explained that this was a glitch in their system and that it would be taken care of. I was then asked if I would like to be added to the new system. I stated " Please keep me on the normal payment schedule and refund the extra charge ''. Again there was a lot of back and forth on if I would like to be put on the new system so that my payments would be auto-drafted as they were before. 

I kept saying " Please keep me on the normal payment schedule and refund the extra charge ''. Finally I thought I had gotten through to the representative until I received the attached letter. From my understanding, this letter states that it's OK for Wells Fargo to charge me up to three times the monthly amount before they notify me.
Product: Debt collection

I sent Complete Credit Solutions a Validation of Debt in XXXX, that was delivered to XXXX, TX on XXXX XXXX by certified mail. The company has yet to respond and it has been over the 30 days for investigation, which is a violation of the FCRA. The letter asked for proof of debt belonging to me as well as their license to collect a debt in my state of resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX XXXX XXXX AND ITS LEGAL COUNSEL AND AGENTS ARE LLYING AGAIN! AUTO LOAN NO. XXXX AS WELL AS XXXX, AND EXPERIAN ARE IN COLLUSION AND ARE CHRONIC DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. THEY AGREED TO UPDATE UNDER FAIR CREDIT BILLING ACT ( F.C.BA.-T.I.L.A OR BE DELETED BY ALL CREDIT BUREAUS, AS OF TODAY XXXX REFLECTS RECENT BALANCE {$17.00}, XXXX, STATUS ACCOUNT CHARGED OFF {$17.00}, XXXX, the date of status was XX/XX/2018 and a recent payment of {$17.00}, XXXX, this is the same info on EXPERIAN . XXXX AND XXXX   ALREADY DONE SO 3 MONTHS AGO.
Product: Credit reporting or other personal consumer reports

Dear XXXX  Please freeze my credit report or anything pertaining to me Thank you XXXX XXXX XXXX