23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. NATIONAL CREDIT SYSTEMS # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. NATIONAL CREDIT SYSTEMS. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Mortgage

I received my statement from NationStar Mortgage. After applying my payments catching up my payments, even though none were late, NationStar charge me {$89.00} in late fees on my statement. On the statement stated late fee is {$36.00}. I have no idea what this figure is. I doubt they do either. I have no idea how many late fees they have tacked on to my account, but this is ridiculous. 
NationStar also applied extra interest on my account when they misapplied the Loan Modification by waiting until a full payment paid, putting funds in unapplied funds instead of payments or principle ( see adj. Forbearance suspense where they fianally applied {$140.00} - that used to be {$180.00} plus change to principal ). They have been ripping me off left and right, extending the mortgage as long as possible.
Product: Credit card

I called XXXX for Citibank XXXX XXXX to dispute a charge. An internet company continues to charge my card monthly for products I am not receiving nor did I order. I attempted to dispute the charge and change my credit card # so this does not happen. I was asked by customer service rep in the XXXX, where the call routed to, for my credit card #, social security #, address, birthdate, security passcode and then my personal bank and checking account #. I gave all the information requested except for my bank account # and they refused to access my account. I escalated the call to supervisor and attempted 4 times to reach a United States Rep because I will not give my checking account # to any stranger on the phone and that is NOT required to access my account. I think this illegal and should be stopped. Please advise
Product: Checking or savings account

I kept getting a scam call from a scammer so I changed my phone number called the big update my phone number with the bank Citibank and they sent me a code and they verified my phone number. Everything was good on or about XXXX XXXX. I received an incoming wire transfer. I went to drop some money. I had to make a phone call. I was able to withdraw that money {$5000.00} and I went to go make an online purchase and it got denied and called the customer service for Citibank. They said that theres a block on my account they can open now they can not verify my phone number so that I would have to wait for a letter to come in the mail. I waited for that letter to come in the mail I called. I got myself verified and made an online purchase again and they blocked my account again and denied me access to my funds, tell me they were reviewing The account and they would let me know what they decide but I still havent called 34 times now and they still havent told me anything. He told me in process of closing it or about XXXX XXXX. I got a phone call saying they were definitely gon na close my account now that theyre telling me in the process of it and Ive already already had access to not had access to my money and Id become homeless Within 30 days. Im not able to do my test. Ive been waiting a year to get done for my doctors for my aneurysm can get taken care of my brain. Ive explained this to the bank so now they tell me to take up another 60 days before I can get my money nailed to me in a cashiers check. I asked him why I cant go into a branch and just withdraw the money and close my account and we both can be done with each other And they wont give me an answer. Nobody can answer that question for me.
Product: Checking or savings account

To begin, Capital One I filed a dispute in XXXX due to being scammed by a fraudulent company. On XXXX XXXX I received a denial of my dispute, and the XXXX credit for XXXX was reversed. Upon filing the dispute they on took basic information and advised me that if they needed documentation they would contact me. Before denying my claim no documentation was provided to support my case. I requested to reopen the claim and provide proof of my claim and being scammed. I emailed all documentation on XX/XX/XXXX XXXX on XX/XX/XXXX my claim was denied due to no supporting documentation. I spoke a a supervisor and he accused me of the issue is on my end. I again forwarded proof of my emails. On XX/XX/XXXX again. Per a email I received from the dispute department they said a reversal of the XXXX credit of XXXX will be done on XX/XX/XXXX. And this is when that was done and it put me in the negative. Not only that due to the nationwide outage I was not paid and my bill payments declined. No could I pay my rent that was a promise to pay. I also file a complaint with Capital One XXXX on XX/XX/XXXX. Have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no  judicial system releases information to second or third parties because its illegal and I can sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- Contacted all 3 bureaus and XXXX XXXX, Home Depot , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX XXXX XXXX XXXX XXXX ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXXXXXX Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint for information on my credit that is a violation of my rights and consumer law. 

Transunion responded and did not correct this on XX/XX/XXXX. They are willfully non compliant and violating and this is my last attempt before litigation to have this resolved They are reporting the account XXXX With a late payment for XXXX. This is a billing error under 15 USC 1666b. 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 days a consumer agency cant report without my written consent or permission The XX/XX/XXXX payment needs to be corrected to show current
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/XXXX.
Product: Checking or savings account

I never opened this account and the company will not close it and has it posting negative on my credit bureau. This company is a scam the more I investigate. I filed a complaint with the AG office
Product: Credit card or prepaid card

I contacted XXXX XXXX on a matter of an account, now 6 months ago and I send a dispute with the credit bureau on XX/XX/2020. and as of now Experian, XXXX, and XXXX. The FDCPA states that all debt must verify in 30days.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc ) they failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Debt collection

My aunt used my credit information while living with me and she eventually passed away ( XXXX XXXX ) is her name because she was alway there at the house I never would see most of the mail. So she was able to open several accounts in my name, the account in question was discover months after her death, all the other account were removed but this one was sent to collections I called NCB to explain what happe ; however they would not help me, they stated if I paid a portion of the debt it would be removed from my credit. Several years later they have not removed this from my credit file, they keep telling me to allow 90 days but tears have past and it still effecting my livelihood.
Product: Credit card

{$690.00} was fraudulently charged to my credit card through the merchant XXXX. I contacted the credit card company and XXXX when I got a notification that my card purchased tickets. Apple/goldman Sachss did their apparent investigation and denied my request and charged it back to my account. I requested them to investigate 3 times now and have evidence that there was no possible way I made the purchase. I have my card physically, I provided my card company with the written investigation from the merchant which deemed it fraud, the IP address was in New York when I was physically in Oregon, and NO CVV number was used. I have never purchased anything with this card through that merchant either. Apple/goldman Sachs/mastercard will not remove the charge even though I have provided sufficient evidence that I did not make the purchase, and it is my right to be protected from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED THE ATTACHED LETTER IN THE MAIL FROM EQUIFAX. I DID NOT REQUEST A FREEZE PUT ON MY CREDIT REPORT NOR DO I WANT ONE. REMOVE ASAP. SEE ATTACHED.
Product: Credit card

Barclays has repeatedly refused to investigate and resolve the disputed charges related to XXXX XXXX and XXXX XXXX XXXX. Despite multiple CFPB complaints and direct disputes, Barclays has maintained that the transactions were valid, failing to conduct a reasonable investigation in compliance with federal consumer protection laws. Barclays ' most recent responses, dated XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, indicate a refusal to acknowledge any new evidence or requests. Additionally : Barclays ' dispute team closed claims due to alleged non-responsiveness, despite clear documentation that the disputes were actively pursued. 
Barclays refused to reverse the charges despite evidence that XXXX XXXX and XXXX XXXX XXXX did not fulfill their contractual obligations. 
Barclays failed to provide any merchant agreements, transaction logs, signed receipts, or proof of service/product delivery for the disputed amounts. 
Barclays ' reporting of these transactions to the CRAs ( despite pending disputes ) constitutes a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate information.

Legal Violations & Leverageable Laws Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 Requires a creditor to investigate billing disputes and provide evidence supporting the validity of a charge.

Barclays has failed to provide contractual proof, service completion proof, or any other required documentation.

Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ) Prohibits furnishers of credit information from reporting disputed debts as valid without investigation.

Barclays failed to conduct a reasonable reinvestigation as required by the FCRA.

Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 A credit card issuer must ensure that transactions were authorized and that the merchant fulfilled their obligation before denying a dispute.

Barclays failed to verify service fulfillment before denying your claims.

Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits unfair, deceptive, or abusive acts by financial institutions.

Barclays ' refusal to investigate and arbitrary closing of disputes without merit violates CFPA.

Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 Requires financial institutions to provide consumers with clear documentation and verification of disputed transactions.

Barclays has not provided adequate documentation proving the legitimacy of the disputed charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
Product: Credit card or prepaid card

1.I have never had an account with this company WF/DILLARD XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.