23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought a home in 2014. We have never misse a payment. XXXX XXXX XXXX sold our loan to another lender and is now saying we missed a payment in 2014 and have dinged us since. This was part of the loan sold and they are attempting to collect twice what they say is owed. They were never missed inthe first place.
Product: Credit card or prepaid card

I almost broke down and cried when I saw these late payments on my account for the following dates : 30 Days Late for XX/XX/XXXX and 60 Days Late for XX/XX/XXXX I dont know how this could have happened because I make my payments as soon as I receive my monthly statements. I would appreciate your help with is because I dont believe this information is accurate.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is to inform you that I sent money to the following number and email XXXX XXXX between the dates XX/XX/2022 - XX/XX/2022 amounting upto {$260.00} over a course of 5 transactions as shown in the image attached below. 

After making these transactions the beneficiary didnt receive the money into his account but only received a text message from the bank which the amount was debited to his account as shown in the image attached below. 

I filed a compliant with Bank of America, the company involved with sending and receiving the amount and they rejected my claim stating that the transaction was completed and they could not provide me with the above claim of said amount. 
Claim number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX VAXXXX XXXX Subject : Request for Debt Validation and Original Assignment of Contract Dear XXXX XXXX  I am writing in response to your recent communication regarding the alleged debt referenced under account number XXXX, which you claim I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Not to mention according to FCRA Section 605B, it is illegal to report anything on my credit without my permission. 

In accordance with my rights under the FDCPA, I request that you provide : XXXX. **The original creditor 's name and address. ** XXXX. **A detailed itemization of the debt, including the original balance, any payments made, and all interest or fees applied. ** XXXX. **Proof that you have the legal right to collect this debt, including the original assignment or sale of contract from the original creditor to your agency. ** XXXX. **Any relevant agreements or contracts I allegedly signed that create this debt. ** XXXX. **A copy of the original promissory note or contract I signed. ** Please also cease any and all collection activities, including reporting this account to the credit reporting agencies, until this debt has been properly validated as required by law. 

Failure to provide sufficient validation or to cease collection activities pending validation will constitute a violation of the Fair Debt Collection Practices Act and may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of GA. I have included the CFPB dept. by XXXX in this email in an effort to timely validate my reports. I will be printing and mailing a copy to the FTC at address XXXX XXXX XXXX, XXXX, XXXX  XXXX DC. XXXX and reporting to the reportfraud.ftc.gov should this not be handled in a timely manner. 

Response : XXXX  XXXX Wed, XX/XX/XXXX, XXXX to me Thank you for contacting XXXX XXXXXXXX XXXX XXXX XXXX ( " XXXX '' ) Digital Operations. 

I do understand your concerns, However, XXXX XXXX XXXX is currently unable to directly assist you with your validation request. For further assistance regarding the specifics of this matter, please contact XXXX directly at XXXX. 
Thank you, XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " '' XXXX '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Original Loan Amount : {$7900.00} Current balance : {$7100.00} Transact Date Principal Insterest Fees Payment Prin Bal Interest Due Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$55.00} Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$130.00} Payment XX/XX/year> {$290.00} {$0.00} {$0.00} {$290.00} {$6800.00} {$0.00} Payment XX/XX/year> {$25.00} {$270.00} {$0.00} {$300.00} {$7100.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$290.00} {$7200.00} {$0.00} Payment XX/XX/year> {$86.00} {$210.00} {$0.00} {$290.00} {$7300.00} {$0.00} Payment XX/XX/year> {$0.00} {$290.00} {$0.00} {$290.00} {$7400.00} {$81.00} Payment XX/XX/year> {$110.00} {$86.00} {$0.00} {$200.00} {$7400.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$300.00} {$7500.00} {$0.00} Payment XX/XX/year> {$250.00} {$41.00} {$0.00} {$300.00} {$7600.00} {$0.00} I have paid {$2400.00} to this account and only {$1000.00} has gone to Principal they are taking {$1400.00} in interest. That comes to a {$180.00} per month in interest payments that comes to {$6.00} per day that they are charging me. This is considered predatory lending charging high interest rates not by the month but by the day. So you would be locked into this loan long term with no end of paying it off. If XXXX payoff this loan today it would cost me 10 day payoff : {$7200.00} - valid until XX/XX/XXXX and the Original Loan Amount : {$7900.00} which means I would have only paid {$650.00} toward the principal.
Product: Credit card

Bank of america charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit card

I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.
Product: Prepaid card

On XX/XX/XXXX, my sister purchased a Vanilla Gift card at a XXXX XXXX and loaded {$300.00} on it. In XX/XX/XXXX, my daughter received the Vanilla gift card for XXXX. Planning to use the card for college expenses ( textbooks, etc.. ) we called the number on the card to verify its balance in XX/XX/XXXX and found that the funds had been depleted. I called XXXX around XX/XX/XXXX, and was told the funds had been depleted on XX/XX/XXXX or XXXX, XXXX in California. I filed a dispute form with XXXX on XX/XX/XXXX. I received a reply from XXXX dated XX/XX/XXXX informing me that my claim was denied as we had not filed with XXXX within XXXX days of the unauthorized transaction that occurred XXXX XXXX. I responded that I wished to appeal their decision on XX/XX/XXXX. 

It is reasonable for a credit card company who provides monthly statements to its customers for the charges that are made so that the customer can confirm they are accurate. However, the XXXX is a gift card with no monthly statements issued. According to their policy, the burden is on the consumer to take repeated proactive steps to confirm the balance which is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
Product: Debt collection

XXXX XXXX XXXX has called me repeatedly regarding a family member 's debt ( dates below ). I sent the company a certified letter telling them that the phone numbers they were calling were not the correct numbers for the person whom they were trying to reach and to stop calling, and also to confirm receipt of my letter in writing within two weeks or I would submit complaints to the CFPB and the CA Attorney General 's office. The XXXX record shows the company received my letter but the calls have continued. 

Calls received on : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( two calls on this day ) XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt. However, their information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.
Product: Debt collection

Hello, there is a company that has been reporting on my credit an account that is not mine! This credit collection has been on my credit in the past and has been removed due to results of the investigation and proven the account is fraudulent. The company recently reported that account on my credit again cause more damage to my report! It is very very frustrating and unfair. It should be illegal the way this debt collector company conduct their business! I have brought it to multiple peoples attention, as well as the credit bureaus. I need this account removed immediately!
Product: Checking or savings account

I was charged twice through XXXX last XXXX and this XXXX. I have not had a working XXXX in almost 2 years and no longer am able to access my account. I tried calling, XXXX messenger and email to get credit back on XXXX charges. I disputed through chime to be told claim denied by they never contacted merchant at all and only had the information i provided them
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited {$120.00} at my Robinhood account with intention to send XXXX to my other wallet to trade Once I deposited the money I tried to send them and got an error message, that account is restricted and under reviews, that will be finished until XX/XX/XXXX XX/XX/XXXX I checked if my account been reactivated but they just postpone the date until XXXX XX/XX/XXXX Same they just postpone until XXXX They do not answer on my messages They requested bank statements, photo and even SSN! I sent them everything through the Robinhood app. But I got no answer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to XXXX, XXXX and Equifax. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 and Section 605B, 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, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX, and Account # XXXX has failed to provide a valid wet signature or 1099 form from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 reports under the following circumstances and no other : ( 2 ) 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 accounts listed IMMEDIATELY! 

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 accounts listed IMMEDIATELY! 

This process through CFPB has documentation proving that XXXX, XXXX and Equifax have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX  to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

I want to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

I keep getting phone calls and letters. I paid the debt off to the original creditor XXXX XXXX. They are purposely damaging my credit.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have formally requested the closure of my Capital One 360 account since XXXX. However, despite the passage of XXXX years, the account remains active. I seek your assistance in expediting the resolution of this matter. This week, I made XXXX new requests to close the account and remove it from my online profile. I was informed that the account couldn't be closed because it was negative, but that is untrue. The attached statement shows this account as XXXX balance since XXXX Today, I spoke with XXXX in the management team, and here is the request number : XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.