23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX5 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX rented a car for me from XXXX as XXXX did not have a part in stock to repair my car. The rental was returned to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX charged my credit card {$100.00}. stating that it was the unpaid balance. I immediately disputed the charge after a promise of a call back from the branch manager XXXX didn't occur when trying to settle the matter. XXXX submitted and invoice showing XXXX XXXX XXXX paid {$3700.00} and XXXX paid {$170.00}. Capital One ruled in XXXX 's favor. I opened a CFPB complaint and Capital One refunded my account " as a courtesy ''. At the time, I clearly indicated that I did not agree to pay ANYTHING to XXXX  for this rental. On XXXX XXXX, XXXX, XXXX charged my account {$3700.00}. When I asked Capital One how they're allowing XXXX to charge me when they previously sent documentation stating that this amount was to be billed to XXXX, their response was that they could not use the merchant 's statements against them. I forwarded the conversation between XXXX XXXX and XXXX XXXX  between XX/XX/XXXX and XX/XX/XXXX showing that XXXX  acknowledges their error that I do not owe this amount and should never have been charged. XXXX also maintains they are unable to refund my card. However, on XX/XX/XXXX, XXXX refunded my card $ XXXX the amount of the previous dispute. Capital One responded that I have the burden of proof to show that XXXX was paid for the transaction even if I never agreed to pay it. I contacted Transaction Support. The agent agreed that it's clear I should have never been charged and the merchant knew something was wrong, but the person who created the claim classified it as " Paid by other means '' instead of " Merchant billed more than agreed '' and offered to transfer me to a supervisor, which I accepted. I spoke to XXXX and explained. I directed her attention to the documents I submitted which shows I checked " Merchant billed more than agreed '' which was {$0.00}. She conceded that she clearly sees I should have never been billed, but suggested I should demand the money from XXXX since they promised me the rental and that they perhaps gave XXXX  my credit card information, which is not true. I would need to get a proof of payment from XXXX and submit proof they paid their bill. She told me she would not assist me further and pushed to end the conversation.
Product: Credit card or prepaid card

Capital One is my problem. I authorize Capital One to automatically take money out of my account to make sure that I am not late at all. I notice on my account that they have me late XXXX  times. I have tried to speak to them about the late pays ; they told me that I need to make a dispute to clean them up. I told them that I already pay my car and house and have not been lat in over 10 years. 

I authorized them to take their money out on the day I get my money that has changed the date and have been making me late and keep putting late fees on my account so I will never be able to pay the card down. I have told them to take the money at the time I receive my money ( fixed income ) they have been stealing from me taking money before my money comes and keep charging me late fees. I want those late pay deleted off of my credit and those ( XXXX ) years removed off of my credit since they were in the wrong and has been. I thought I was paying my bill every month on time but they were charging my account when they knew I didn't have money in it. I've been paying a bill that will never get paid off. THEY ARE WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to Experian XXXX and XXXX all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( Experian, XXXX or XXXX ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite RadioXXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Product: Credit reporting or other personal consumer reports

I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, XXXX, XXXX and TransUnion have violated 15 USC 1681i.
Product: Debt collection

- XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the XXXX. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the first invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a second invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency Transworld Systems Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX XXXX XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about 20 min losing the call at the end with no respond.
Product: Payday loan, title loan, or personal loan

First off I am not very good on computers nor dealing with online situations. My sister is helping me file this complaint with you. 
XX/XX/XXXX - I applied for a loan through Rise Credit for {$2000.00}. My son actually found the website for Rise and completed 95 % of the Rise Application for me but I was sitting with him while completed the online application. 
Once submitted, Rise came back and said would let me know if I was approved for the loan. 
I then forgot all about it and several days later when reviewing my checking account I found that they had already placed {$2000.00} into my account.I was not sent nor given the details of the loan ie ... the interest rate of 238.36 % for the loan until after the money was placed into my account. I would have rejected/not accepted the loan if I had realized it was a 238.36 % interest rate. They set up ACH installment payments of {$410.00} a month which I can not afford. I did not give the loan much thought until after XXXX and I had used all of the money for XXXX and bills. On XX/XX/XXXX the first payment was pulled from my checking account {$410.00}. I thought the payment would be {$220.00} for the month at most. I did not realize it was {$220.00} biweekly if I chose a biweekly payment. When they took {$410.00} out of my checking, I called them to discuss the loan and terms of loan repayment. They said the best they could do is split the payment in half and have me pay twice a month. 
I am on Social Security XXXX ( Fixed income ) with limited resources. I would NEVER have agreed to a 238.36 % interest rate nor payments of {$410.00} a month. I can't afford this. I can't believe that this is legal-this is more like loan sharking and preying on people who are not able to defend themselves. I am more than willing to pay the {$2000.00} back at a reasonable interest rate and reasonable monthly payments of {$200.00} a month ( ie ... a credit card rate for people with limited resources perhaps 25-28 %? ) not 238.36 % how can this even be legal? 
I need your help.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX is the creditor company that consistently calls me. When I answer the phone its an automated message and I can not contact anyone to describe what the expense is. They call at least every other day. I dont believe I owe any of this debt. I never got a detailed expense where its from or what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated my right under the FCRA Accounts # XXXX XXXX Amount {$1400.00} Opened XX/XX/2021 Accounts # XXXX XXXX Amount {$1700.00} Opened XX/XX/2021 The above listed accounts were Charged-Off, however XXXX failed to provide me with 1099-C form for tax purposes. Secondly, they are reporting a balance amount on a charged off account that should be XXXX balance. 
These two accounts were over 75 % paid off before XXXX XXXX XXXX XXXX XXXX i infomed the company of my situation, they agreed to give me more time but didn't, the continued to bill my bank account until there was no more money then they charged off the account for over 400 % of the remaining balance. 
this is evil, unethical and illegal in my judgement. 
This is indirect violation of my rights under the law. Please help me, this is destroying my life and hurting my family. Thank you..
Product: Credit card

First, I received a txt alert that XXXX was trying to charge {$650.00} to my USBank Credit card. 

The charge was declined by their system once or twice. My credit card was also Locked in my account, meaning, no charges should have gotten through. I disputed the transaction with a written letter mailed via XXXX as instructed by an chat agent, and explained exactly why. 

First, the charge should have never been charged to my card, given the steps in place. 
Second, I cancelled the XXXX subscription a few days after the charge and XXXX had a popup that informed me that I was outside the 14 Day refund window ( completely wrong, it was 2 or 3 days after the charge/autorenewal I and neither my wife never agreed to ). 

I disputed the charge with USBank and received a provisional credit. Beginning of XXXX, I received a letter asking for more information. This letter was delayed in transit to me via XXXX and left me with 3 Days left to the deadline. I was fast and dropped it in the mail on a sunday with 2 days left. I included, that there is a case against XXXX by the UNITED STATES OF AMERICA and the FTC. XXXX is being sued for exactly what I had disputed. 

I then received a letter on XX/XX/XXXX ( XXXX XX/XX/XXXX ), stating that the credit is being reversed as I did not provide the additional information. I have provided it, or at least mailed it before the deadline with the included business envelope. What XXXX does and how fast they deliver letters is completely out of my control as a consumer, I can just say that it was put into a blue mailbox on time before the deadline. I have a witness that saw me fill it out and drove me to the post office to drop it off. I also have the txt alerts that the charge was being declined initially. 

This charge is actually partially USBanks fault for being let through when my card was locked and now the fraudulent charge is back on my card causing me interest and a higher credit card utilization that negatively effects my credit score. I need USBank to do some proper research on this XXXX case and give the credit back. They also had my email and phone number and could have followed up. 

See : XXXX XXXX XXXX
Product: Debt collection

Conns has called me times a day for a week straight from different numbers trying to collect a dept i agreed to pay this past Friday. But now in at the point ive been harassed by them and dont believe i owe them anything now.
Product: Debt collection

Dear Sir/ Madam, The reason for this complaint against PRA ( Portfolio Recovery Associates LLC is not the original creditor. They never show any proof of ownership as the original owner. They never provide me chain of titles, bill of sales, etc. They never proof they have license to collect debt. In addition, this old debt already passed/expired statute of limitation. 

Also, and very important, after they were informed to stop and desist, they still sending letters which is a violation under The Fair Debt Collection Practices Act ( FDCPA ). 

I may take legal action against them if this continue. 

In the time I am collecting all evidence on my end. 

And YES, I am aware all of the public complaints against them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks. 

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

I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by XXXX XXXX despite my efforts to provide evidence proving the inaccuracy. 

Disputed Information : On XX/XX/2024, I submitted a formal dispute to XXXX XXXX regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX. 

Verification Without Investigation : Despite the evidence provided, XXXX XXXX has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. 

Request for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that XXXX XXXX fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against XXXX XXXX for its failure to comply with regulatory requirements. 

Enclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with XXXX XXXX. I request that you investigate this matter promptly and inform me of the results of your investigation. I want Portfolio Recovery/Original Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # Portfolio Recovery XXXX Original Creditor XXXXXXXX XXXX. Account # XXXX Portfolio Recovery Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have no purpose to be on my credit report.
Product: Vehicle loan or lease

This is the letter that I wrote to Toyota Financial XX/XX/XXXX I am writing this letter in hopes of getting a better deal for what I am paying for. I have a XX/XX/XXXX Toyota XXXX. I first got the vehicle in XX/XX/XXXX. I have never missed a payment since having this car. I also had a XX/XX/XXXX Toyota XXXX XXXX   before this car and the payment was over 500 dollars but I never missed a payment. I have been paying a very large large amount for the product that I have. My payments have been over 500 dollars a month on both cars ever since I got them. Why do I have to continue pay such a large amount? Is that fair? both of these are used cars. and this last one why do I have to keep paying for 84 months? I know that I did sign both contracts but I really thought that this was because of my credit issues and I did really need a car desperately. I did try to give the last car back but it was past the 3 day limit and they said that they would not take it back. Since I have been paying faithfully and have not missed a payment. I just want a better deal. By the way since when did 84 months of paying a car start. Can't say that I ever knew about this trap that Toyota put me in but I hope that they will have some empathy and cut me a new deal that is reasonable for what I have been paying for. thank you. my account number is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX in XXXX XXXX California. ( XXXX ) XXXX