23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, {$2800.00} was withdrawn from a joint checking between myself and a former spouse at Navy Federal Credit Union. We are currently divorced but we do still have a mortgage open with the credit union, as I occupy the home with our minor daughter. 

When I phoned to find out why, I was advised the {$2800.00} was applied to a credit card charge-off from XX/XX/2012 belonging to XXXX XXXX. At this time, he had a credit card and restaurant go out of business and I know he also pursued bankruptcy. 

They shared with me the following, see Section 5 : https : //www.navyfederal.org/content/dam/nfculibs/non-search-pdfs/nfcu_573cc.pdf My question is the timing, is there no statute of limitations on credit card debt? Are they allowed to collect on this money for eternity?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notification. I was not sure what it was and requested verification but did not receive what I requested. 

In my letter that was dated XX/XX/2023, I disputed the alleged {$870.00} debt that BCA Financial is attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. 

I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract. 

I also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. 

They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, XXXX AND EXPERIAN who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Product: Credit reporting or other personal consumer reports

This company has for now 5 years falsely reported an account that I never opened on my credit. This account is from an app that provides loans to those with bad credit at a should be illegal interest rate. I have reached out to this company several times via email initially as that is all they had was an email address advising this account was opened fraudulently in my name. All they would do was respond with payment details. Payments from an account I never had. Just because payments are made on a fraud account does not mean it is a valid account. I also filed a police report for Identity Theft and sent via mail to no response. This back in XXXX. This company to whom I am on the verge of seeking legal counsel for terrible. There is not a number for customer service, they have not responded to mail request however I have confirmed that my letters have been received. I am seeking the assistance of the cfpb to remove this fraudulent account off of my credit report. If to no avail, I will seek legal counsel to sue XXXX and their terrible business practices. All someone needed was a phone and an app. No proof of my identity by drivers license or social security card, nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously complaint number XXXX XXXX XXXX stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am XXXX  with a XXXX XXXX, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, Equifax and XXXX. XXXX XXXX needs to update my credit report with XXXX, Equifax and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Money transfer, virtual currency, or money service

I USED MY JPMORGAN CHASE BANK, TRANSFER MONEY SERVICE XXXX. 
MADE A {$480.00} TRANSACTION ON XX/XX/2020, WHICH IT WAS A SCAM, I ASKED MY BANK CHASE TO HELP ME RECOVER MY FUNDS, THEY TOLD ME THE CAN'T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Capital One and XXXX  to fix this problem and restore this good standing credit line to my ( XXXX  only ) credit file. I have made all my payments on time and all they would need to do is CALL XXXX  and figure out the problem. I have since been denied a credit limit increase on this Capital One account and feel that the denial was a direct result of the account missing from my XXXX  credit file, ( Attachment 1, Capital One letter, XX/XX/XXXX ). 

On XX/XX/XXXX while monitoring my XXXX  credit report, it was reported that XXXX  added a remark to the Capital One tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, XXXX  Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment 3, Capital One credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my XXXX  credit report, the Capital One tradeline was completely removed from my XXXX  credit report. I contacted Capital One and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only XXXX  that removed the tradeline. They told me to contact XXXX. 

On XX/XX/XXXX I sent a letter to XXXX  asking them to investigate the account and explain the reason they had for removing the account from my XXXX  credit file. In my letter I also told them I had never disputed this account. The only response I received from XXXX  was Dispute Results. The results state that Capital One is NOT being reported to my XXXX  credit file, ( Attachment 4, XXXX  Results for Dispute # XXXX, XX/XX/XXXX ). 

In XXXX, XXXX, I forwarded the XXXX  dispute results to Capital One along with a letter asking them to fix this problem and restore the tradeline to my XXXX  credit report. They replied with a letter that confirmed the account is being reported to my XXXX  credit file, ( Attachment 5, Capital One letter, XX/XX/XXXX ). 

Capital One and XXXX  are giving me the run around. Please fix this problem and restore this tradeline to my ( XXXX  only ) credit file. I have made all my payments on time. Capital One PLEASE CALL XXXX  and fix this problem.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$250.00} Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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

More XXXX of XXXX - - Your Loan Has Been Approved! 












XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! 
Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 
2.Make an appointment with your local branch XXXX. 
3.Get your check as soon as today! 

What will happen at my branch appointment? 
1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 
2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 
3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. 

Thank you for choosing Springleaf! 

We look forward to helping you complete your loan request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX. XXXX XXXX XXXX # XXXX. Has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and noticed inaccurate status and late payments for Midland MTG/MIDFRIST Account Number XXXX reported as 60 days past due in XX/XX/year>. I have never been late on this account and per 15 USC 1666 ( B ) and 15 USC 1637 a ( a ) reporting a payment as late is impermissible under any circumstances. Furthermore, according to 15 USC 16819 ( B ) consent from the consumer is require before furnishing information on their behalf which to date I have not granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a security alarm account with XXXX XXXX that was sent to collections XX/XX/XXXX. The last bill I received from XXXX XXXX was XX/XX/XXXX and states that I owe {$210.00}. In XX/XX/XXXX I received a bill from Hillcrest Davidson stating that I owe {$430.00}. I called XXXX XXXX and asked them how much I owe them. I spoke with XXXX customer service reps and they both told me that I owe {$210.00}. I asked them why was the collections agency charging me {$430.00}. I was told by XXXX reps on two different occasions that the collections agency was charging me fees. I filed a complaint with the XXXX because this means that Hillcrest Davidson is charging me {$210.00} for fees. Harrison Davidson responded to my complaint and said that XXXX XXXX added fees to the account. I responded by telling them that XXXX XXXX told me that Hillcrest Davidson added the fees not them. I 'm still waiting for their response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.
Product: Mortgage

XX/XX/2019 XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES XXXX XXXX XXXX XXXX XXXX , Kansas XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX   XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES to validate the Debt , in connection of the Proof of Claim filed on regard XXXX XXXX XXXX Loans # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt.

2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Product: Checking or savings account

XXXX withdrew funds from an unauthorized account which was never authorized by myself from an account when I dont even have an account with them. I signed up for their services last year promptly cancelled services never used their services at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Finance is reporting 2 late payments on my credit report. This isn't the first time that has happened. I tried updating my payment information, however their App wasn't allowing me to nor pay the whole balance. I took screenshots of these errors. Possible Finance isn't taking any responsibility for the App issues. They don't want to be accountable. I tried updating my payment dates, which it wouldn't allow me to. I asked them several times to call which they never did. They don't want to accept the fact that their App was the problem, but instead they are painting me out to be the bad guy.
Product: Prepaid card

Received a {$50.00} gift card from prepaidgidtbalance.com. When I try to register online the website does not work and when I attempt to purchase with the card it is always declined. When I call the number in the back of the card, it does say there is {$50.00} available but I am not able to utilize the money under any circumstances
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX credit bureaus refuse to accept two police reports and one FTC Identity Theft Report in order to update my credit reports to show accurate information. The third credit bureau properly updated my information by accepting the police reports and the FTC ID theft report, as required by law. I've gone one step further and wrote a letter citing the law, and now Transunion has locked my out of my account. Since I am unable to fix the identity theft inaccuracies, many aspects of my life continue to be affected. 
I am attaching the FTC Identity Theft Report and the two police reports showing the identity theft ( that incredibly goes back many years ). For the first time with the CPA, I am attaching letters that I am attempting to submit to Transunion and XXXX. Both Transunion an XXXX do not have live operators to talk to. The third credit bureau does and does follow the law ( and I am thankful to you and that third bureau for the wonderful work on behalf of consumers ).
Product: Credit card

While I was booking a flight to XXXX XXXX on XXXX XXXX XXXX, an Ad popped up stating XXXX miles if I apply for the credit card. This miles was in addition to the statement credit of up to {$300.00}, which I have received. I applied the card, it got approved and delivered and I have also started using it. 

But when I check the credit card app from Chase, it is only showing XXXX miles awarded. This is not fair. The attached screenshot clearly shows new member bonus for only XXXX miles while the original promise shown on the advertisement was XXXX miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.