23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom This May Concern, SOUTHWEST CREDIT SYS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( SOUTHWEST CREDIT SYS ) communicating with me through email/text/calls. I would also like to request the purchase agreement between SOUTHWEST CREDIT SYS and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt.
Product: Vehicle loan or lease

It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally, it was reported that I had two 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally, there were a 30, 60, 90 day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposedly late payment and is further damaging my credit report. Please delete immediately.
Product: Money transfer, virtual currency, or money service

Alright, so I met this guy online named XXXX. He said he was from XXXX and had this whole story about how he was moving to the U.S. We started talking every day, and honestly, I thought this was real. He knew exactly what to say, made me feel like we were building something. 

Then things changed. He started talking about how his money was tied up overseas. He couldnt get to it and said he needed help covering stuff like travel, legal fees, and other things so he could move here faster. He promised over and over hed pay me back once he got here. 

I believed him. I mean, I really thought this was legit. I sent money to a few different people he said were helping him out : {$2700.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX At first, he was super thankful and kept reassuring me everything was fine. But then, the messages started slowing down. Hed make excuses about why he couldnt call or text as much. Then out of nowhere boom. He ghosted me. 

Thats when I realized Id been scammed. Those names? Probably fake. Those emergencies? All lies. He played on my emotions, made me feel like I was helping someone I cared about, it was all just a setup to steal my money. 

Looking back now, its so obvious, but in the moment, I didnt see it. If someone youve never met starts asking for money, dont fall for it. I wish Id known better, but now Im telling you dont let this happen to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF XXXX : XX/XX/2021 XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as Experian, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Product: Credit card

I realized recently that Big Lots Credit Card ( Comenity Bank ) charged me XXXX late fees with fees ranging $ XXXX {$41.00}. I only have late fees because when I would try to log in and make payments there were error message etc, which would prevent me from making the payment at the time. Many times it would not accept my password asking me to change my password which required a huge process and long delay in the responding information. I shouldn't have to make so many attempts to pay a bill. Furthermore, I do not think they are permitted to charge such high late fees. It has just felt like a scam the entire process. I only used the card initially because it was 0 % interest. Well that didn't last very long by their design in making it difficult to make payments. I purchased a XXXX tree at 0 % interest for {$160.00}. One year later I owe {$190.00}. I always pay bills on time. I owe {$260.00} dollars in late fees. I called today when I was able to see my transactions and realized for the first time I had late fees. They told me they could only wave {$15.00}. I went through several tiers of management with the same solution even after I told them the website had issues and I was unable to log in. I also questioned the excessive amount of late fees. They offered no solutions. I offered to pay off the balance if they would wave all the late fees. They declined. So frustrating and this has definitely impacted my credit as well.
Product: Debt collection

XX/XX/XXXX STATEMENT all credits are from merchants. NO USAA CREDITS. Please let this complaint provide vaiid proof usaa is not zero liability. Furthermore USAA holds consumers liable for unauthorized transactions. see attatched CFPB RESPONSE XXXX XX/XX/XXXX XXXX XXXX. OF OUR STAFF CONFIRMS " USAA HELD YOU LIABLE THE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS OF {$470.00}. see attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS CONFIRMED AFTER INVESTIGATION. Kindly Note XX/XX/XXXX STATEMENT PROOVES NO USAA CREDITS AND USAA STAFF MS XXXX CONFIRMED XX/XX/XXXX USAA HELD ME LIABLE FOR THE {$470.00}. 
WHY??? AND THEY TRY TO COLLECT WHAT IS NOT OWED. USAA DESTROYED MY CREDIT.
Product: Vehicle loan or lease

On XX/XX/year>, I received an adverse action notice from Bank of America denying my credit application ( XXXX XXXX. XXXX ). 

The denial was based on alleged insufficient income, delinquency, and credit factors, but Bank of America failed to provide a proper opportunity to cure the decision. 

I exercised my right under Federal Reserve Act Section 16 and the Bill of Exchange Act by tendering my credit application as a security collateral per UCC Articles 3 & 9.

Bank of America refused to recognize the instrument as a valid security, violating 15 USC 1691 ( a ) ( Equal Credit Opportunity Act ) and 12 CFR 1002.6 ( Regulation B rules for credit evaluation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within XXXX of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 consumer reporting agency can not furnish a account without my written consent. 
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.

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

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXX of 2019, the accounts are reported as being paid on time, however, in XXXX of 2019, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. XXXX is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also XXXX of these violation of the FCRA
Product: Money transfer, virtual currency, or money service

Hello, I accidentally transferred money to the wrong account for my rent payment in the amount of {$1200.00}. Once my property management company informed me that they had not received I contacted the bank to dispute and was told that there was no error and my request was denied. The account was from XXXX to a private owner I rented from and have sense moved in XXXX of XXXX. The transfer was made on XX/XX/XXXX and was another USAA account.
Product: Student loan

I am submitting a complaint regarding my student loans with Navient. My student loans were switched from XXXX XXXX to Navient several years ago. My student loans stem all the way back to 2005 when I began my educational training for XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX OH. My education was put on hold do to financial difficulties and within no time, I was being billed for the classes I had completed. XXXX XXXX made it very difficult to work out a convenient payment plan. I fell behind and my credit began to drop. Without notification, my loans were switched to Navient. Again, Navient made no attempt to work with me on setting up a reasonable payment plan. Instead, I was under the impression forbearance would be the best option. During this time, I began trying to register for classes at XXXX XXXX to complete the program and receive my degree. XXXX XXXX XXXX has since closed all it locations and I am now stuck with student loans for a degree I do n't have. 
I do not know who to talk to regarding this issue. 
I been unsure of who to contact regarding my complaint. I am paying a high amount for a degree I have not received. I am struggling to pay for student loans that have built interest while in forbearance and now the XXXX is no longer in service.
Product: Bank account or service

I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).
Product: Prepaid card

On XX/XX/XXXX I ordered something I did not receive it on time and the XXXX did not provide a clear photo after making a police report ups took blame and the merchant company attempted 2 refunds they were both declined. They suggested I do a charge back via the disputes team I did that and the merchant company confirmed the chargeback was completed and sent to coinbase on XX/XX/XXXX they told me it was still pending investigation. On XXXX they said the dispute was won in my favor and to keep the provisional credit they gave me except they never gave me one they reopened the dispute and said I was no longer eligible for a provisional credit people on chat and over the phone keep telling me to reply to this email. This email says do not reply to this email and for all questions call the XXXX number. I'm tired of the games and the shadyness if coinbase revieved my money back on XX/XX/XXXX what's the hold up In returning my money or at least getting someone on a phone that's not an automated email responses and that take days to weeks to hear a response from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete hard inquiries for me bc I didnt request anything from them
Product: Debt collection

XX/XX/year> identification is verified by application, and a negative zero dollar balance prevents use of open credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.
Product: Credit reporting or other personal consumer reports

Earlier this year I took an overall look at my consumer report and noticed information and several accounts that doesn't belong to me. In XXXX I then notified Transunion regarding the information that's being reported asking them to do an investigation. They replied that the information listed in my dispute letter was verified accurate in which they're not. In accordance of 15 U.S. Code 1681- Congressional findings and statement of purpose, Transunion must report accurate information to my consumer report. I am aware that anything that is either inaccurate or unverifiable must be removed from a consumer 's report immediately. When I asked Transunion to investigate the information I asked them to include any documentation with my signatures or agreements to authorize them to report in which they failed to send me any form of verification. I also reached out to the creditors asking them to verify any debt in which they haven't. By them reporting these inaccurate accounts my credit score is being negatively impacted impairing my ability to obtain relationships with any potential lenders or housing situations needed for the daily living. The creditors have been calling my phone constantly seeking a debt that doesn't belong to me which i'm aware is against the law pursuant 15 U.S. Code 1692c - Communication in connection with debt collection.

Violations committed by Transunion & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX to the XXXX  for potential tax fraud using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXXXXXX XXXX per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.