23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Name : XXXX, XXXX XXXX XXXX : {$280.00} Citation/Case Number : XXXX File/Citation Date : XX/XX/XXXX Linebarger Goggan Blair & Sampson LLP XXXX XXXX XXXX XXXX ) XXXX Or to pay online : http : XXXX XXXX SUSPENSION ( XXXX ) - Court Requirements Not Met Status : EFFECTIVE Description Effective Date Ticket Number County/State Court Address and Phone Number Click Here for information to resolve these effective court suspensions, court requirements not met. 
FAILED TO PAY TRAFFIC FINE ( PENALTY ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Your driving privilege has been suspended due to outstanding tickets in the counties indicated on the previous page. You will need to pay the outstanding tickets and a {$60.00} reinstatement fee.

Contact the county court ( s ) and arrange to make payment. You will have to check with the court ( s ) for the amount owed.

If the court does not collect the reinstatement fee, you can either take the D-6 clearance form from the court and a check for {$60.00} to your local driver license office or, you can mail a copy of the clearance form along with a check made out to DDL to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX mailing XXXX allow XXXX days after receipt for your record to be updated. After that time, revisit this site to verify that your record has been updated.

NOTE : If you paid the ticket ( s ) shown on the previous page prior to the Effective Date listed, click here. If you paid the ticket ( s ) on the previous page on or after the Effective Date listed, clic
Product: Credit card or prepaid card

I went into the Victoria Secret Store to purchase some items. When I went up to the counter to pay. The woman told me she had to call Customer Service about my Victoria Secret Credit Card. According to the woman, my card was restricted. And could not use. Prior to this a week, they increased my credit limit. I have been a customer with Victoria Secret since 2014. Only been late on one payment. It was embrassing, got home and called them and was told due to my credit report they can not allow me to use the card. You just increased my limit and been a customer for 3 years. Now, there going to close my account and leave a negative mark. I do n't understand how this is legal to do. I will keep making my payments, and when I call them, I get some one new every time, telling me different things. Why check after 3 years? And why give me a credit increase.
Product: Debt collection

After reviewing my latest credit report, I noticed several accounts that appear to have been added without my authorization and are inaccurate. I kindly request that these fraudulent accounts be removed and blocked from my report immediately.
Product: Checking or savings account

On XX/XX/XXXX my checking account at Truist Bank was hacked. The hacker managed to XXXX {$630.00} out of my checking account, and then on XX/XX/XXXX the hacker managed to XXXX two more transactions, one for {$200.00} and another one for {$50.00}. I called Truist at XXXX and reported all three unauthorized transactions for a grand total of {$890.00}. They filed a claim and the claim number is XXXX. I received documents in the mail which I filled out completely and dropped off at Truist at XXXX XXXX XXXX, XXXX XXXX FL XXXX. I waited in the lobby for over 30 minutes and no one even acknowledged me although bankers and branch manager were not doing anything. After a long wait, the branch manager asked what I needed and proceeded to walk me over to the teller line where they faxed above referenced documents and interoffice mailed the originals. I went in to the branch 4 other times ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ) to inquire on the status of my claim, because anytime I called the 800 number I wait a minimum of 2.5 hours and one time I waited for 3.5 hours and ended up getting disconnected. It is today XX/XX/XXXX and I still have not received a call to confirm receipt of my documents and an update on the claim.
Product: Credit reporting or other personal consumer reports

DEPT OF EDUCATION : # XXXX, XXXX XXXX  : # XX/XX/year>, has violated my rights.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Payday loan, title loan, or personal loan

XX/XX/20 Upon arriving at Cash America Pawn Shop XXXX XXXX XXXX Ohio, they were unexpectedly closed. On XX/XX/20 I called and inquired about the loans that were due to be forfeited the previous day. I let them know that I had been there to pay them but because they were closed obviously I could not. At that time they informed me that because it was not their decision that they were not going to make any exceptions so either pay XXXX $ or they would keep my items.
Product: Vehicle loan or lease

In XXXX I bought a brand new XXXX. In XXXX I got a letter in the mail that the dealership wanted my car and I could trade in my XXXX for a XXXX and no cost to me and that they would keep the same monthly payment. My monthly payment was originally XXXX in XXXX. Now its XXXX a month XXXX. I went to the dealership and asked why it was so expensive. They said they added the old loan to the new one and that they had sold my car already so I can't get it back. They said my only option was to refinance in a few years. I went to my bank and they said they wont refinance because theres negative equity. So now I'm paying for 2 cars when I only have one. My XXXX XXXX XXXX XXXX costed me XXXX. This XXXX XXXX XXXX XXXX is priced at XXXX but they combined both loans to total XXXX. I called to see how much I still owe its XXXX. I dont understand why I'm paying for both vehicles when they already sold the car and I'm only driving one. If I knew they were going to add the loan on I would have just kept the first car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is listed as doing a hard credit check XX/XX/20. I do not recognize and did not authorize this, and the phone number listed to contact them is disconnected. I do not have a small business and have not applied for any loans. I do not believe this is legitimate. If this is actually ( which I doubt ) related to the CARES act, then someone has used my information to fraudulently apply for a loan.
Product: Checking or savings account

Smile Direct club went bankrupt while in the middle of my treatment that they had previously messed up in the first place. I financed this through Health finance direct and I am still being charged for {$2600.00} Treatment plan that I will no longer get in which They had told me there was a moneyback guarantee Especially when they didnt fulfill my treatment in the first place and I was told I would get a replacement of treatment. like I said, I will no longer be able to straighten my teeth, but I am now forced to continue payment plans with threats to being sent to collection agencies and affecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Experian asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$3600.00}.
Product: Checking or savings account

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

The collection agency sent me a letter stating I owe them ( for an XXXX XXXX XXXX  debt ) XXXX from XX/XX/2011. I called to tell this agency that I do not owe anything and that it is not right to try and come after me for debt I have no way of proving I do not over from over 10 years ago. First he tried telling me that I owe over XXXX. When I told him that was not true and that the letter itself was only for XXXX he changed the total. I always pay my bills so I know I definitely do not owe XXXX XXXX XXXX anything! Especially from so very long ago. Plus- we use XXXX XXXX XXXX now and they would have told us if we had debt. I think this company is fraudulent and trying to get money from me. This company is called Radius Global Solutions. I can not say the customer service representatives names or the supervisors name because they were all of a foreign nature and I can not pronounce or spell the names.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Upon reviewing my Equifax credit report, I identified several fraudulent accounts and unauthorized inquiries that were opened without my consent. These accounts do not belong to me and should not be associated with my credit profile. I have attached my FTC Identity Theft Report ( Case # XXXX ) as supporting documentation. 
Fraudulent Accounts on Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.
Product: Checking or savings account

On XX/XX/XXXX, XXXX debited my Direct Express account for my son 's XXXX money without my authorization. Further added to the complaint was that at the time of the debits, the card was in a locked status. I called Direct Express immediately and reported these transactions as unauthorized. Direct Express then blocked the card and charged {$4.00} for a replacement card to be sent. 
Direct Express said that I would receive paperwork and temporary credits for the unauthorized transactions. I was provided with a reference number and an email address. Almost 2 weeks later, I had not received any paperwork from Direct Express so on XXXX I wrote them an email expressing my concerns and further expressing that these transactions were unauthorized. On XXXX, I also contacted them via telephone and was told that they had received the email and it was lucky because the deadline for the paperwork was XX/XX/XXXX. I was told that I would have to wait up to 45 days for any temporary credit and up to 90 days for any solution. 
On XX/XX/XXXX, Direct Express reversed the disputed transactions, which helped me a lot as this is for my severely XXXX child and provides life substaining equipment and nutrition. 
Upon checking on XX/XX/XXXX, Direct Express had redebited the money, rendering me overdrawn with them. I have been on hold with them for over an hour to attempt to get answers. 
Direct Express failed to protect government funds initially by allowing these transactions to go through when the card was locked. They then failed to provide the necessary paperwork and seem to have concluded an investigation without any evidence.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, Midland Funding LLC and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, Midland Funding or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, Midland Funding LLC 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : XXXX XXXX XXXX, Midland Funding 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ 100- {$1000.00}.

Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with XXXX XXXX XXXX, Midland Funding or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, Midland Funding and XXXX XXXX XXXX. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



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

Experian has ignored my attepet to get help i cant login on the site and they ignore my letters i told them they are reporting the wrong info they rufuse to let me see report and they dont pick up when i call i have sent 11 lettters and still no repose from XXXX now it's XXXX now
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent a validation of debt letter several times also had XXXX XXXX  assist me with the account never received anything requested also tried to dispute with credit bureau no written correspondence received.
Product: Debt collection

A company by the name of Fortiva calls my place of employment, everyday, several times a day. My supervisor became VERY upset with me b/c I was receiving the calls at work. She told them herself to please stop calling b/c it was disruptive to the school 's daily routine. She even called them back on a day I wasn't working to tell them to stop calling the school ( the school is the XXXX XXXX College and the XXXX XXXX XXXX ). I have been suspended from my job and was asked to please correct the problem before returning as well. I was informed that they called again after being told not to, just now, XX/XX/10 at XXXX XXXX. My supervisor just informed me of the call and the time. She asked them to please note AGAIN that they were not to call the number but I am not sure what else to do at this point.
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX, I have no contract with Transworld Systems Inc in regards to account XXXX XXXX The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX, XX/XX/XXXX  late payment reported to credit bureaus. ) In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.