23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXETER FINANCE for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until EXETER FINANCE provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Metropolitan Auto Lending, continues its collection efforts, I will file for litigation for actual damages caused and EXETER FINANCE be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.
Product: Credit card

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds 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 transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Since XX/XX/XXXX Ive been asking for a. Escrow analysis as Im a resident of South Carolina and have been way overpaying my escrow. Ive called the company at least 10 times and have been lied to and mislead that it was being taken care of it and as of XX/XX/XXXX no analysis has been done and they are holding over {$2000.00} of my money and Im still overpaying my mortgage. They in my estimate are committing fraud!!!!
Product: Debt collection

I have started receiving repeated phone calls, and the caller leaves a message stating that they are a debt collector and that I must call them at XXXX. I have never received any written communication from this company.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

Equifax, XXXX, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave Equifax, XXXX, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax, XXXX, and XXXX  any written instructions to report this account. Equifax, XXXX, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax, XXXX, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax, XXXX, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax, XXXX, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX  binance.us contacted me about a chargeback from my bank I was not aware the my bank had done this. They asked why I reported the charge as fraudulent which I didnt. My bank said the transfer was suspicious because my bank account had previously been compromised. I settled the funds with binance.us my account had no negative balance I believe when they closed it I had XXXX XXXX dollars in my account. Im not a rich person by any means I was investing money worked hard for so my kids can have money for there education in the future. They eventually said they closed my account because i violated terms of use. Ok closing my account is one thing but not giving me my remaining funds In my account is stealing from me. They Said to contact local law enforcement to receive the money I did that an the police had no clue as to how they could help me. I continue trying to get my money all they say is contact law enforcement. Meanwhile the price of XXXX has gone up a lot in the year an my money should probably be doubled if Im not getting the money from XXXX  then they certainly are this whole thing seems illegal on there part they close my account keep money hostage while they take in the money meanwhile Im struggling right now an can really use that money.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( 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 section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETE
D IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have sent letters to Equifax regarding this account that need to be removed from my Credit Report. Both XXXX and XXXX have deleted it from my report.
Product: Debt or credit management

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST SEND WRITTEN DISPUTES TO : XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$22000.00} Current Principal : {$22000.00} Interest Due : {$190.00} Total Due : {$22000.00}
Product: Credit card or prepaid card

I reported fraud on my account about two months ago when I noticed multiple small transactions posted on my account from an internet source. They stopped my auto payments that Ive had set up for months now to avoid late payments. They blocked my online access so now theres no way I can make a payment or access my account to see if they credited my account like they said they did when I spoke to them over the phone, I also attempted to make a payment over the phone which they were not able to do, they now reported my account as being in default so it is negatively affecting my credit score. I have spoken numerous times to 1.Customer service representatives 2. Fraud department 3. Online access specialists and none have been able to help me at least get my account back in good standing or online access. I feel taken advantage of and abused by this company.
Product: Checking or savings account

On XXXX i downloaded an app with a free trial. I downloaded, signed up and canceled the app trial all within 5 minutes. I was then charged {$160.00} instead of receiving the free trial. The company of the app told me I need to have XXXX process the refund. XXXX denied the dispute so I went to my bank. My bank is telling me they have not received anything from XXXX and It doesnt not look like I will win. XXXX is telling me they have sent the notice to my bank to process the refund. As a result of this I have spent over a month trying to deal with it and XXXX refuses to release that proof to me or reach out to my bank. I will be more than happy to reorganize and send all the documents if wanted.
Product: Vehicle loan or lease

This complaint is concerning my auto loan with Flagship Credit Acceptance. I have had my current auto loan with them since XX/XX/2022. However, I need The Consumer Financial Protection Bureau to PLEASE HELP AND INVESTIGATE their predatory lending. At the time of getting the loan, Flagship failed to clearly and accurately disclose the terms and conditions pertaining to when a payment is late. Specifically, late fees are {$20.00} per day ; which adds up quickly to being unaffordable. Upon doing further research, I've discovered that every auto loan financed with Flagship have disproportionally high fees that accrue per day. Unfortunately, as a consumer, myself and many other Flagship customers have been tricked into believing that our loans are affordable. As a consumer, this lender deceptively convinced me to agree to unfair and abusive loan terms; making it difficult for me to be late with the {$20.00} per day late fee. I've made numerous calls to Flagship concerning the late fees, but each time, they purposely change the subject.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter highlighting multiple inaccurate information on my credit report along with my drivers license and proof of address and they company sent be back a stall letter saying the don't think it's me disputing my account, which it is and I demand these accounts be removed immediately do to inaccurate reporting for a number of months now. Causing me to get denied for credit and damaging my reputation. There are seversl violations that has happened according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items being reported on my consumer reports that should not be there. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union have wrong information on my credit report i have only1 XXXX auto loan and i see 3 XXXX auto loan on my credit report and lots of wrong information i call and talk to credit bureau manager and i tell her every thing on my credit report is wrong she said i can hear you but she dont do anything about it all she said you can file complain about the trans union this will make my credit lower lower it was XXXX went down to XXXX i am tryin g to raise my credit score i am trying to raise my credit score
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had an alert for a hard inquiry which impacted my score. This is an unauthorized inquiry, which I never consented to.. I am formally disputing the inclusion of the unauthorized hard inquiry that have appeared on my credit reports. The hard inquiry was not authorized by me, and I have no knowledge. The presence of these fraudulent entry has caused significant harm to my score. There is no evidence to suggest otherwise in relation to the following account. Additionally, the following hard inquiry was unauthorized and should be removed immediately.
Product: Debt collection

I contacted Bay Area Receivables regarding a {$100.00} balance that I supposedly owed. I paid this statement on my patient portal at XXXX XXXX XXXX previously XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX who informed me that I had no balance. Bay Area Receivables is still showing this debt and will not remove it.