23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i have problems they stole my identity and they opened a bank account with capital one 360 leaving a negative balance of {$2600.00} this account was fraudulently opened a few years ago and i tried to get capital one to help me and they didn't this affects me because i tried to request a product of themselves and they don't approve of me because of this negative account in their system. # XXXX
Product: Debt collection

Portfolio Recovery Associates - Reporting Fraudulent Account on Credit Report Complaint Details : I am filing a formal complaint regarding Portfolio Recovery Associates, which is inaccurately reporting a fraudulent collection account on my credit reports. The details of the account are as follows : Account Number : XXXX Creditor : XXXX XXXX ( Portfolio Recovery Associates ) Balance : {$640.00} Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> I have never applied for or authorized an account with XXXX XXXX. This account is the result of identity theft, as I am a documented victim of a credit breach. Despite my attempts to dispute the validity of this account, Portfolio Recovery Associates continues to report it to XXXX, negatively impacting my credit score. 

Additionally, their ongoing reporting and harassment violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They have not provided any proof that this debt is valid or belongs to me. 

I request the following actions : Immediate removal of this account from my XXXX credit report, and XXXX account. 
Portfolio Recovery Associates to cease all collection activity. 
A written confirmation that the account has been removed. 

This fraudulent account is causing undue stress and harm to my financial well-being. I am submitting this complaint for urgent investigation and resolution. 


Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Formal Complaint Regarding Navy FCU Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Navy FCU located at XXXX XXXX XXXX, XXXX, VA XXXX, for actions that I believe violate several federal consumer protection laws. The specific issues are as follows : 1. Fair Credit Billing Act ( FCBA ) Violation On XX/XX/XXXX, I noticed an account statement dated XX/XX/XXXX. Despite my timely written dispute sent to Navy FCU on XX/XX/XXXX, I have not received a response within the 30-day period mandated by the FCBA. This lack of response constitutes a violation of the FCBA, which requires creditors to acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles.

2. Fair Debt Collection Practices Act ( FDCPA ) Violation Subsequent to the disputed charge, I received multiple collection calls from Navy FCU, acting on behalf of Navy FCU. These calls were made before the 30-day validation period had elapsed, thereby violating the FDCPA, which prohibits debt collectors from contacting consumers before the validation period ends.

3. Fair Credit Reporting Act ( FCRA ) Violation Despite the ongoing dispute, Navy FCU reported the disputed charge as delinquent to the credit bureaus, adversely affecting my credit score. Under the FCRA, a creditor must mark an account as disputed when a consumer disputes the information, and they are prohibited from reporting information they know is inaccurate.

4. Truth in Lending Act ( TILA ) Violation The billing statement from Navy FCU failed to provide clear and conspicuous disclosure of the disputed charge, including the date and amount of the charge, as required by TILA. This lack of transparency impedes my ability to understand the terms and conditions of my credit account.

I have attempted to resolve these issues directly with Navy FCU through attempts, e.g., phone calls, emails, and written correspondence, but have not received a satisfactory response. I respectfully request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to ensure compliance with federal consumer protection laws.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

have recently reviewed my credit report and noticed you have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party ), provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) p
rotects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in error, and this matter is coIrected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( Name ), ( Address ), ( City, and State & Zip ).

If you can not substantiate I authorized the release of my medical information within 30 days. and collection activity continues ( including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt Collector
Product: Credit card

After receiving countless collection calls from Comenity Bank, customer service in a telephone interaction stated that they did not have any record of a {$100.00} cash payment made to them at the cash register location in XXXX, New York. The total balance of the account could not possible exceed {$700.00} without fees because the amount of the credit line was no more than {$700.00}. The cash payment of {$100.00} may have been misapplied as a charge to the account. The bank refused to make any type of payment agreement or settlement offer when asked. The collection calls continued after noted to the XXXX website. The company was dually notified regarding the abuses associated with collection in the current region, failing to comply with requests to stop placing phone calls to the number provided on the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I made an online payment of {$130.00} for my car loan it was meant as an extra payment as my payment is not due till XX/XX/XXXX in the amount of {$63.00} and is set on automatic payments. When the payment was made it changed my next payment being due on XX/XX/XXXX in the amount of {$63.00}, when I called to make an additional principle payment to my loan since the payment I made on the 5th did not go to principle and you can only call to make principle payments, I was told I have a balance of {$52.00} that would need to be payed before I could make any principle payments. They state their system will not allow for a principle payment due to the balance of {$52.00} showing on the account. My account isn't past due and I don't have a payment due till XX/XX/XXXX, so I do not understand why I'm unable to make a principle payment. I feel that are trying to get all the interest on the loan as they can and make it very difficult or nearly impossible to make a principle payment on my loan which is not fair practice to follow. I have never missed a payment and I'm just trying to pay my loan off early and save money.
Product: Credit card

On XX/XX/year>, I purchased a plane ticket for myself, XXXX XXXX, from XXXX XXXX for {$300.00}. I did not receive a confirmation email for this purchase, so I assumed the transaction had not gone through. As a result, I placed another purchase for two tickets to XXXX for myself and my mother, XXXX XXXX, totaling {$610.00}. Again, I did not receive a confirmation email. Concerned about whether my purchases were successful, I contacted XXXX XXXX. XXXX confirmed that both transactions had gone through and subsequently sent me the corresponding confirmation emails. The confirmation number for the first purchase is XXXX, and for the second is XXXX. 

Upon realizing that I had been charged for both purchases, I immediately requested a refund for the first transaction, as I had not intended to make duplicate purchases. XXXX denied my refund request. Consequently, I disputed the {$300.00} charge with my bank, Chase. Chase initially refunded me the amount but later reversed the refund, citing a dispute raised by XXXX. 

I contacted XXXX again to resolve the matter. XXXX claimed they had already refunded me, which was not accurate. I informed them that I had not received any refund. XXXX then stated they would submit a request to Chase for confirmation of my payment status and advised me to follow up in 90 days. After 90 days, I reached out to XXXX, but they claimed they were still waiting to hear back from Chase. I followed up again a week later, and XXXX maintained that Chase had already refunded me.

To verify, I contacted Chase directly, and they confirmed that my card had been recharged after XXXX disputed the initial refund. Chase provided me with a letter documenting this fact. I shared the letter with XXXX, but they continued to assertwithout evidencethat Chase had refunded me.

Through independent research, I discovered that other XXXX customers have experienced not receiving confirmation emails for their purchases. XXXX failure to send a confirmation email after my initial purchase caused confusion and led to the duplicate purchase, resulting in an unjust enrichment to XXXX. 

Despite my repeated efforts to resolve this matter amicably, XXXX has not acted in good faith. They have ignored clear evidence, including the letter from Chase, and continued to maintain a baseless position. I believe XXXX i

s intentionally prolonging the issue in the hope that I will abandon my claim. Request for Assistance : I respectfully request the CFPBs assistance in resolving this matter. XXXX  failure to provide confirmation emails, as required by standard practices, directly caused the duplicate purchase. I am seeking a refund of {$300.00}, which was
wrongly charged and retained b
y XXXX despite clear evidence of their error. 

Chase has informed me that they are no longer able to reopen a claim pm my behalf as the deadline, XX/XX/year>, for doing so has passed. Note that XXXX made me believe that my case was going to be resolved within 90 days only for me to realize that during those 3 months, they took no meaningful steps to resolve my claim.
Product: Debt collection

Good afternoon to whom it might concern ; I have a collection of an unknown bill that I did not take or do. Is XXXX XXXX it also says XXXX XXXX XXXX XXXX  and is for XXXX dollars. By law this company is reporting an account that was open fraudulently and I ask transition to erase it because they cant verify what I never open and by law Im trying to get a mortgage and is hurting my credit and not allowing me to get a mortgage and transunion just lost a Sue for doing This to customers and abusing and reporting wrong and fraudulent information and this is a second year that I can not get a house for transunion and the companies named above using my private information hurting me and abusing me. I will legally this time take actions because they have no rights to use fraudulent Information and placing it on my credit report without my consent.
Product: Payday loan, title loan, or personal loan

I received a payday loan from Title Max for the amount of XXXX. I got the loan near closing operation time at that point I was insured that I would only be paying back {$380.00}. The loan occurred in XXXX of XXXX  My first payment was scheduled for XXXX which I verified XXXX separate times. I spoke to a XXXX XXXX XXXX XXXX. I was repeatedly assured that {$380.00} was the entire payoff amount. Which is the only reason I agreed to the loan. My bank account was unknowingly attached to the loan without permission. I was rushed out the door after processing the loan which the details were vague. I also was not provided with a contract. When I called to request payment information the representative was vauge and informed me that they didn't know what the payments amounts were. Titlemax then started to attach predatory taxes and fees to the loan. I was then becoming harassed by ridiculous amounts of unsolicited phone calls and harassing letters in the mail. I will be sending titlemax a cease and desist notice. I feel I have been predatorily targeted. To be specific a " XXXX XXXX XXXX '' is the individual who unecessarily makes harassing phone calls using a threatening tone.
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent accounts on my consumer report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please also remove any inquiries associated with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong XXXX  shows a balance of {$4800.00} XXXX  shows {$0.00} and equifax shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.
Product: Mortgage

I had my name legally changed from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX of 2020 and Loanpal is refusing to update their records despite numerous attempts to They also attempted to lie to me about how my name was displayed on my social security card and when I called them out on that lie they attempted to try and lie to me about my name on my credit report after I made sure all 3 credit agencies. They would then claim they updated the name on my account but they still have XXXX XXXX XXXX on my statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I received alerts from XXXX about a debt consolidation loan. I finally looked into it and the loan by Prosper seemed to meet my needs. XXXX XXXX clearly states on their site that preapproval will not affect your credit, although a hard credit report may be pulled at a later time.

I clicked through to provide my basic information for preapproval. I almost immediately received a notice that they could not go any farther in the process, but to try again in 30 days. A few days later, I received a notice from my credit monitoring that I had a new hard inquiry on my credit reports. 
I reached out to Prosper and they sent me a form letter telling me that I had authorized this. I clearly told them, and am telling you now, that I did not. If they are partnering with XXXX, then they should follow the terms that XXXX promises its customers. I would not have clicked through if I had known this, as I was merely inquiring and not ready to apply. 
On the attached info from Prosper on the XXXX website, it says : " Checking your rate with not affect your credit score. ''
Product: Debt collection

I was notified on XX/XX/2020 by my credit card company ( XXXX XXXX XXXX ) that my credit score plummeted 133 point from XXXX. So I ran my credit reports to see what the issue was. Apparently, I was referred to collections ( Sequium Asset Solutions Inc. ) on XX/XX/2020 by XXXX  XXXX for {$690.00}. I have never done business with either, XXXX  XXXX  or Sequium Asset Solutions, or received any communications. 

I proceeded to call XXXX XXXX  on XX/XX/2020 to see what the issue was. They told me they had no records of me!! Then I called Sequium Asset Solutions on XX/XX/2020 and they had no records of me. 

I spoke with representatives from XXXX, XXXX  and XXXX  to file fraud complaints ( XX/XX/2020 ). To date, XXXX has restored my credit score back to XXXX. I am still waiting for resolutions from the other two credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX ( Original Creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There no bankruptcies on my XXXX and the references numbers on the transunion and XXXX are NOT the same. XXXX XXXX. I sent a letter to the courthouse asking to they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if that the case.How do the credit bureaus verify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode living is obtained through personal interviews with neighbors, friends, or associates of the consumed report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the rights to privacy.
Product: Mortgage

I called Shellpoint Mortgage on XXXX XXXX to make a payment. I informed the agent that I was only making half of the mortgage payment. He deliberately applied the total amount to the account. This has created a total mess, I have direct payments for some of my bills. This will possibly create overdrafts to my checking account. I reached out to the company immediately, I was told they would escalate reimbursement within two days. I have not received the deposit into my account. I contacted them today and was told it had not been done. I have had problems with this company since my loan was transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of of XXXX, my credit report alerted me that there was a " late payment '' blemish from my unused Spirit Airlines credit card through Bank of America. I immediately called Bank of America, because I was not informed of any charges made to my card and did not receive any subsequent statements or notices indicating charges, balance and/or delinquency. When asked to furnish proof that I was properly notified of such, the bank was unable to comply. Accordingly, the account was then placed in good standing, the late fees were waived and the credit issue was remedied. By late XXXX XXXX XXXX, the " late payment '' blemish was no longer on my credit report and my credit score was finally repaired from the error. By XXXX, my XXXX  credit score reached XXXX. Less than 15 days later, it dropped down to XXXX as a result of the erroneous " late payment '' blemish from Bank of America re-appearing on my credit report. I immediately disputed the previously remedied issue once more and did not have success. Bank of America refused to look further into the issue despite being unable to furnish proof of FCRA compliance and despite having fixed the issue initially. I have attached a timeline of my credit score to this submission for additional context.