23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I took out a {$3000.00} personal loan from Upgrade. Somehow, my payments got linked to my XXXX daughter 's debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, Upgrade retracted the sale of my debt but I was not notified, so I continued paying XXXX. 

On XX/XX/XXXX, I received a letter from Upgrade that my account had been closed again and charged off and that I owed {$3.00}, XXXX. 

I have called Upgrade many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. 

I have called XXXX many times. They said they transferred the debt to XXXX XXXX but that my obligation was completed. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to Upgrade but they said it didn't matter because they still didn't have the money. 

I have called XXXX and they say that they sent payment to Upgrade and that there is nothing else they can do.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX  per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through PayPal friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from PayPal. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted PayPal and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through XXXX XXXX XXXX due to that being the credit card I used. XXXX XXXX XXXX stated that they could not do anything for me either due to PayPals policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.
Product: Debt collection

1. Capital One charged off my account with no warning and no time for me to prevent it. They say XX/XX/2019 but I had no idea until XX/XX/XXXX when a statement showed up. There was nothing on the statement that said the account went to a " Firm '' or which one it  went to or any contact information. I had to go online to their website when I was able and see it was XXXX XXXX XXXX. I made a complaint to them because I had no idea what was going on. They wrote back and said they'd had it since XX/XX/XXXX ( the day I knew ). I told them about the repeated harassing phone calls from Capital One and they sent me back a note saying that the issue was " Closed '' and sent back to Capital One. That was dated XX/XX/XXXX. I thought and was led to believe this was closed. 
2. XX/XX/XXXX I get a letter out of the blue from XXXX and XXXX XXXX. dated XX/XX/XXXX. It was such a shock because I was led to believe it was closed. They told me that if I was to dispute I was supposed to send them a letter within 30 days and then they would send me proof that I owed it. 

3. I sent them a letter on XX/XX/XXXX, disputing the entire amount because of the letter from XXXX XXXX XXXX. I got a response from " XXXX '' at Capital One on the XXXX to the CFPB complaints. Then a letter from XXXX and XXXX telling me the dispute was " Invalid ''. No explanation. I'm just going with what THEY said in their letter. It's the law! They never sent me an explanation or proof. They are supposed to give me an explanation. Just a " Invalid '' and the amount THEY say I owe. And I'm supposed to call their XXXX number for a payment plan.Nothing else. Nothing that was mentioned they would do in the 1st letter. 

4. Neither Capital One, XXXX and XXXX XXXX, or XXXX and XXXX XXXX sent me any proof of anything or any explanations why anything occurred. I never even got the 30-day dispute letter from XXXX XXXX XXXX. 
This does not mean that any of these people have any right to send me 20 pounds of paper in a manila envelope in the mail. This has happened before with Capital One and it was hideous and a complete waste of their money, time and of natural resources. 
If they must send me page after page do it through the complaint electronically. 
5. These people have tortured me with their complete lack of communication and I am petrified what they will try next.

6. They are breaking the law now to get me into deeper trouble.
Product: Student loan

On XX/XX/2020 at XXXX I called my student loan provider, Navient, to discuss options to lower my private student loan payment. I explained that I needed relief for just this one month of XXXX because my pay had been reduced by the airline I fly for due to COVID-19. 

I was first told by the representative that I had ONE option, and that was to enroll in a reduced interest/payment plan for 6 months ( there was a second longer term that I forgot. ) She took my income information and the told me the new payment in the program would be XXXX cents, which was higher than the amount of the payment posted online for XXXX, XXXX. I then explained again that I am unable to make the XXXX cent payment. 

The representative then simply said 'No, there is nothing else we can do. '' I then explained that I would go insolvent on my bills and would not be able to make the payment. 

THEN, after making that statement, the representative explained that there was the other option of using a forbearance to delay my payment for another 30 days. 


This is one of several times I have been brazenly lied to on the phone about my options for delaying/reducing payments by Navient. Their customer service representatives will lie to you in order to make it seem as though you have no options, and then after the fact present ANOTHER option that was not mentioned before. How do they get away with this?
Product: Vehicle loan or lease

Mid Atlantic credit union continues to report this as late payment after bankruptcy was filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

Hello, On or about XX/XX/2023 I deposited a claims check from XXXX via the XXXX, Texas ATM Branch. Since then, I've made contact with corporate via phone. Specifically, corresponding with a supervisor named XXXX and she stated the check was " endorsed improperly. '' Ironically, the office was unable to fulfill my request for a detailed explanation because they have yet to upload an image of the check. Additionally, I'm not receiving any updates regarding its status. At your convenience, would you help me earn reassurance with the institution? 

US Veteran, XXXX XXXX
Product: Debt collection

I filed a complaint already on this, this is unknown and I believe does n't belong to me, please help XXXX prior complaint The account shows as Aargon Agency XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has incorrectly reported my payment, balance, and status incorrectly and has failed to resolve these issues after multiple attempts to remedy. 

From XXXX to XXXX my credit report shows multiple inaccuracies in terms of payments made, balance owed, and the late statuses. See attached account information detailing history and corresponding payments made. 

On XX/XX/XXXX, I spoke with a representative whereby we agreed to settle the balance for {$2000.00}, at which time I paid that amount which cleared my bank on XX/XX/XXXX. 

On XX/XX/XXXX they reported an account balance showing due ( per XXXX ). 

On XX/XX/XXXX I received a call from a BofA representative requesting I pay an additional {$9200.00}. 

These reporting errors have caused significant damage to my credit history resulting in loss of other creditors and employment damages due to FICO reductions that triggering closures and improper representation of my efforts to bring the account current, and to settle in good faith. 

They are careless, negligent, and lacking any coherence in their customer service processes which lead to significant and materially damaging consequences to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, Experian, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account NamXXXX 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 XXXXXXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Hello, i look to my credit report and find out that i have fraudulent account, that just ruined all my credit report, i would like to dispute it and i hope you will help me to fix this problem and bring my credit report in good shape again. Thats very shocked me that i been victim of identify theft. 
XXXX opened : XX/XX/year> XXXX : Account number XXXX XXXX : Fraudulent Charges XXXX $
Product: Credit card or prepaid card

Company stated that I was responsible for the charges and I asked the company to send me a copy of my signature so that I can see when I applied for this card up to today I havent received that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to a previous case. 

Capital One Case : XXXX CFPB Case : XXXX In XX/XX/XXXX, you helped me obtain a resolution concerning a pair of accounts ( ending in XXXX and XXXX ) that Capital One reopened against my wishes. Their justification for doing so was that the joint owner of the account requested it be reopened. I had paid off the account in XXXX for the specific purpose of closing the account - the joint owner had no income and used the account without my knowledge. 

As a result of COVID and being out of the country, I lost track of the account that wasnt paid off in XX/XX/XXXX. Though they considered me joint owner, I received no statements, had no online access, and received no phone calls, letters, or other notification regarding the balance. 

On XX/XX/XXXX, Capital One reported a late payment on my credit report, reducing my credit score by 40 points. I am in the middle of applying for financing for my new business, have an automobile lease renewal coming up, and am preparing to apply for student loans for my child. The negative impact of their reporting is substantial. 

The day after I received notification of the late payment reporting, I called Capital One and paid the balance in full, over {$1000.00}. I asked why I was wasnt notified of a balance. They said that I was not the PRIMARY cardholder. How can I be a JOINT cardholder, held responsible for someone elses actions, yet I dont qualify to be notified when there is an issue with the account?
Product: Debt collection

I was contacted by phone on XXXX by XXXX XXXX XXXX XXXX XXXX about a medical debt from XXXX XXXX, XXXX in the amount of {$510.00}. I declined to verify information and requested a written validation of debt. 
I sent a dispute letter on XX/XX/XXXX after I noticed that XXXX XXXX XXXX had reported this debt to the credit bureaus and I had not received written validation from the XXXX XXXX XXXX 
On XX/XX/XXXX, I received the validation letter that stated the DOS was XX/XX/XXXX with XXXX XXXX in the amount of XXXX. 
I investigated the date of service referenced ( XX/XX/XXXX ) with XXXX, and this was a XXXX 's XXXX  case that should have never been billed to me as I was XXXX XXXX XXXX 
I never received any further correspondence from XXXX XXXX, but they did remove the debt from the credit bureaus, and I am now being contacted by a different debt collector, Debt Recovery Solutions , LLC for the same debt by email on XX/XX/XXXX. I will be responding with another dispute letter to this company.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate and unauthorized collections being reported on my credit report by TransUnion. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I had previously instructed the debt collectors responsible for these accounts to cease communication with me. However, despite this request, these collectors are still reporting the accounts to TransUnion, effectively using this as a form of communication that negatively affects my credit score and financial reputation. This ongoing reporting violates the Fair Credit Reporting Act ( FCRA ), as the information is not only inaccurate but also continues to be reported even after I disputed it.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications. 

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, Equifax and XXXX credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.
Product: Payday loan, title loan, or personal loan

I am writing to report a violation of the Truth in Lending Act ( TILA ) by [ Loan Servicer 's Name ], regarding my recent loan account with their institution. I seek your assistance in addressing this matter and ensuring that my rights as a consumer are protected. 

On XX/XX/2023, I initiated the process to pay off my loan with ACIMA. The original principal balance of the loan was {$330.00}, and I expected the final payoff amount to be consistent with this principal balance. However, to my surprise, the payoff balance quoted by the company amounted to {$730.00}. 

Upon inquiry, I discovered that the inflated payoff amount included exorbitant Non-Sufficient Funds ( NSF ) fees that were added to the balance. These NSF fees were levied due to a failed attempt to debit my account for the payment. I contend that the inclusion of these NSF fees as part of the payoff balance violates the TILA and consumer protection laws as I never ever received a billing statement by mail to advise of such charges being added to the principle balance. 

Subsequently, I contacted ACIMA to request a refund of the {$340.00} in NSF fees, which were wrongfully included in the payoff balance. In response, the company stated that these fees could be treated as part of the payment and added to the payoff balance. This assertion contradicts the TILA and is an unfair and deceptive practice.
Product: Money transfer, virtual currency, or money service

I signed up for moneylion app, was referred to loan options who were advertised to be legitimate, and those loan options ended up selling my information to fraudulant scam emails and texts for loans that are fraudulant and or scams. So i have been recieving a lot of emails and texts from those fraudulant accounts that noe have my information and that i know are scams, they all sound the same or similar, they all come from random made up names for companies and or institutions and and they all claim to have signrd me up and just need me to sign for various different amounts for each one email and or text.