23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An approximately XXXX of 2023, I was informed by a company called XXXX that I owed them {$420.00} for traffic tickets I disputed I made. However in XXXX insisted I pay this amount though it was inaccurate. 

1. In less than 48 hours after notifying.me, XXXX sent this charge to a collection agency called FCR. It was not even 30 days after the debt was cited to me. 

2. FCR instantly added a {$50.00} fee after acquiring the account and immediately increased the debt to {$470.00}, giving me no time to pay the original debt as is.

3. In good faith, I began making payments to FCR to satisfy not knowing that I was being charged {$50.00} extra and above the original debt.

4. Though I have experienced hardship I made diligent payments in good faith to satisfy the original debt.

5. To date, I have paid {$480.00} on an original debt of {$420.00} ( {$53.00} more than the original debt ). 

6. However, FCR is charging me {$120.00} in additional fees for checking, plus the {$50.00} it immediately added upon acquiring the account. FCR is charging me a total of {$170.00} 00 above anf beyond the original debt. 

7. I have now paid over {$53.00} above the original debt yet FCR is saying I owe them {$110.00} more.

8. As a consumer, I am being taken advantage of by FCR 's predatory and unfair collection practices. Especially after I have advised FCR repeatedly that I was experiencing financial hardship after health injuries and involuntary unemployment. 

9. I am requesting that CFPB assist me in having FCR consider the debt as fully paid since I have already paid them over {$53.00} more than the original debt and alert XXXX the balance has been paid in full so I may continue to do business as needed.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX. I've had this card since XXXX. I received my statement by mail in XXXX and when I attempted to log in and make a payment ( like the prior 12 years ) I was unable. I called XXXX  ( Barclays ) and asked to make a payment over the phone, also said NO. Something about their system being down and the business cards are being transitioned to a different system. So, as of today ..... 

I've bee unable to log into my account online so see transactions or be notified if there is a fraudulent sale. 
I'm unable to make a payment over the phone. 
The customer service people say they can't see my account????? 
The card seems to be working but I'm very concerned Barclays will charge me late fees or interest. I never carry a balance on my cards.

Please help me push Barclays to get my online access and online payment option available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violation of Consumer Reporting Laws by Equifax Dear Sir/Madam, I am writing to formally complain about Equifaxs practices regarding consumer reporting, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

It has come to my attention that Equifax has reported information that pertains to my capacity, character, general reputation, personal characteristics, and mode of living without adhering to the permissible uses defined under 15 U.S. Code 1681b. Specifically, I am concerned about the reporting of transaction histories that do not comply with the stipulated guidelines.

According to the FCRA, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances. One such condition is outlined in Section 1681b ( 2 ), which states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. It is my belief that Equifax has failed to obtain my consent in this regard, thereby violating my rights as a consumer.

Furthermore, the regulations clearly specify that reports containing information solely pertaining to transactions or experiences between the consumer and the reporting agency should not be disclosed without appropriate consent. The reporting of such transaction history without my explicit authorization is not only unjust but also illegal.

I urge both the CFPB and the FTC to investigate this matter thoroughly and take appropriate action against Equifax for these violations. Consumer protection is paramount, and it is essential that agencies like Equifax adhere to the laws designed to safeguard individuals ' rights.

Thank you for your attention to this serious issue. I look forward to your prompt response regarding the actions that will be taken.

Sincerely,
Product: Debt collection

I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company. 

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered. 

A clear statement showing the balance due.
Product: Credit reporting or other personal consumer reports

i recently pulled my consumer credit report and i found some items that i don't recognize and they appear to be inaccurate and the items are as follows XXXX & XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX. opened XXXX, XXXX These accounts that were obtained by you were not opened, made nor authorized by me. I have been a victim of identity theft which has resulted in hard inquires and collections being filed to my consumers report.i have also attached a copy of my FTC Identity Theft Report number # XXXX
Product: Debt collection

I have disputed items with this collection agency on XX/XX/2020, XX/XX/2020, and XX/XX/2020 all sent by certified mail. LVNV funding has refused to verify this debt as being mine. They have supplied zero evidence that this account is mine and have refused to supply me with the original form of indebtedness bearing my written signature which is needed to verify this information. I have received zero response from this company since my last certified letter sent XX/XX/2020 and have given them more time than the 30 allotted days to respond and verify this information. In previous letters, they just state that the accounts are verified. How are they verified when they have not provided me any documentation that they need to supply according to the law as I requested? All my 3rd party agencies are frozen so how is this debt verified? They are illegally reporting on my credit report and this is now defamation as they refuse to verify these debts as their illegal reporting is damaging my credit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan of XXXX to pay for dental work. USAA can see all my accounts and balances on all accounts connected to my USAA account. 2 life insurance policy 1 for XXXX XXXX for XXXX. I have over XXXX in stocks XXXX in saving. Which when ever I call I get someone in Texas and I always let the ladies know that I am a XXXX XXXX man. I have been making my payment on time. I have no past due or late accounts on my credit. I a XXXX credit score. Just pulled by USAA XX/XX/2022. Only reason I see them saying no to my loan is because I am a XXXX XXXX man which I make known with ever rep who has helped. This is sad because XXXX are discriminated against by banks and we think they are willing to help us. When only thing they do is keep us form gaining any forms of happiness in America. I have been with USAA for over 3 years. I am being discriminated against for a loan because I am a XXXX XXXX man. I would like to know why and I meet all criteria for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.
Product: Debt collection

on XX/XX/2021, i sent midland funding, llc a letter requesting the validity of the alleged debt of {$400.00} that i don't owe.they are damaging my report with this inaccurate item and harassing phone calls. i haven't heard from them as of yet and i will attached a copy of the letter for the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. 

I called them again today and they refused again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that there was a hard inquiry on XX/XX/, 2019 from American Express. I did not apply for a card or any loan if any kind
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : SUNRISECRED ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$3300.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Capital One Auto Finan which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an addition to complaint # XXXX The public records data from LexisNexis does not comply with the National Consumer Assistance Plan ( NCAP ). I've been iterating the fact that inaccuracies exist in my report.

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of LexisNexis document.

The data from LexisNexis only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report.

According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from LexisNexis reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here LexisNexis claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to LexisNexis, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore LexisNexis is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by the credit bureaus, XXXX and XXXX which cite LexisNexis as their " source. ''
Product: Debt collection

This collection just hit my credit and IT IS NOT MINE! NOR was I ever informed or even had the chance to dispute and receive validation from this company. This is again NOT mine. Please help, they should have contacted me and I would advised them this is NOT mine please help
Product: Checking or savings account

I have a savings account with Marcus by Goldman Sachs. In this account I have {$3500.00}. I was sent an email at XXXX on Tuesday XX/XX/XXXX, alerting me that another bank account had been added to my account even though I had not done so. I saw the email at XXXX and went into my account and saw {$3000.00} had been withdrawn out of my account into a XXXX XXXX account. I have a XXXX XXXX account and also did not add a XXXX XXXX account. I called Marcus by Goldman Sachs and alerted them of the issue and they said they were opening an investigation and would have more information in 7-10 business days. However, I asked for the funds to be placed back into my account by Goldman Sachs given that they allowed for my money to be taken. They alerted me this was not possible until after the investigation but this does not seem customary when someone's account is hacked and money is withdrawn. I am sending this complaint to ensure that I do get all the money that was stolen back into my account so I can transfer it into my bank and cancel my account with Marcus by Goldman Sachs.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXXXXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I had XXXX $ in a cash app debit account. I tried to buy XXXX black coffee for {$2.00}. Transaction was immediately declined. No wait or lag on the terminal that was new and in good working order. I knew I had XXXX $ in the account so I tried again. Transaction completed the second time without issue. When I texted support to inquire about what just happened, they told me it was a connection error. It was not a connection error. The card was declined. Something can't be declined if it didn't connect. I tried again, and the second transaction was cleared immediately. It didn't take even a second to connect. There was a good connection. It was declined. Support was also outright hostile and was answering irrelevant questions that I didn't even ask. I asked for documentation supporting the claim this was caused by a connection error. I experienced similar behavior right before XXXX blew up, where cards with " cash in the account '' were being declined. This is symptomatic of bank failure. I highly suspect that cash app is involved in the ongoing fraud that brought down XXXX, as I'm a creditor and I've tracked the ongoing fraud to multiple institutions that are still committing it to this day. I requested the metadata that they used to determine it was a connection error. It is like speaking to a wall though. Only law enforcement can stop this ....
Product: Credit reporting, credit repair services, or other personal consumer reports

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from XXXX XXXX XXXX accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all three bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. SMITH, COHEN & ROSENBERG/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Amount {$220.00}
Product: Student loan

This complaint involves EVERY person who has loans through XXXX. XXXX is making a tremendous amount of extra money, and it is costing ALL borrowers. With XXXX 's payment system, if you are scheduled to have a monthly payment, the payment is always delayed 1-2 days, sometimes even up to 5 days if it occurs prior to a weekend with a holiday. This delay in processing a regular, recurring payment to student loans allows the interest to continue to accumulate over those next couple days. 
So this may be a common practice. My mortgage company does the same. However, this same practice occurs even when trying to make an unscheduled, 1-time payment, as if you were trying to pay down a loan. For example, if you have a smaller loan, of say {$2000.00} you have been saving money on and would like to pay it off, you can not simply select the loan of $ XXXX and pay it off at that amount. You have to request a payoff amount, which would be the {$2000.00} plus the interest it builds over the course of 2-3 days. That may amount to the price of a XXXX coffee for one person 's $ XXXX loan. But if you consider how many clients, the amount of student loans there are in the U.S. and consider the amount of time ( in years ) borrows take to pay off their loans, the amount of extra money XXXX makes on this lag-time interest is incalculable. If I want to make an extra payment on a credit card, my house, or a car, in order to pay it off early, those extra payments are deducted off my principle immediately. This is not so with XXXX. Once an extra payment is made to the principle, that balance continues to grow over the course of 2-3 days and then the payment is processed. 
XXXX is making a tremendous amount of money off borrowers due to this.