23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against NET CREDIT regarding their failure to provide proof of debt and their negative reporting on my credit reports. Below are the details of the issue : Background : Alleged Original Creditor : NET CREDIT Alleged Creditor Account Number : XXXX Alleged Balance : {$9400.00} Issue : I sent a formal dispute letter to NET CREDIT, requesting validation of the alleged debt by the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or proof of debt from them. 

Negative Reporting : NET CREDIT has been reporting this alleged debt negatively on my credit reports, adversely affecting my credit score and financial standing. This negative reporting persists despite the lack of validation and proof of the debt.

Enclosed Documents : For your reference, I have enclosed a copy of the current dispute letter I sent to NET CREDIT, which outlines my request for debt validation and the lack of response from their side.

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against NET CREDIT for their non-compliance with debt validation requirements and for reporting unvalidated debt to credit bureaus. I also seek the removal of this unvalidated debt from my credit reports to rectify its negative impact on my credit standing. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am continuosly being sent letters from debt resolution comapnies saying I owe thousands of $ on different credit cards/companies. I also receive calls saying I owe this and that and that apparently, at some point, I paid on these debts and that I must pay these debts. I did not have these credit cards! I have filled out numerous fraudulant papers because these are not my debts/charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately the previous month I have been working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove an account from my Trans-Union Credit Report. Today 9/24/2017, approximately XXXX CST, I called the customer service line for transunion. Initially I spoke with a gentleman who identified himself as " XXXX '' an alias used by the XXXX, XXXX Call Center for Transunion/XXXX. XXXX transferred me to " XXXX XXXX '' another alias working in the country of XXXX as well. XXXX refused to provide an operator ID, Refused to identify which city the call center is located within XXXX, refused to answer basic question about the company or Transunion as a corporation. When XXXX got on the line she said only, " this is XXXX, I 'm a supervisor ... '' I asked what company she was employed by, and XXXX refused to even identify her employer. Based on Transunion 's website the information should have been : TransUnion XXXX XXXX ( Formerly : XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX.
But the operator refused to identify any information. XXXX also advised she could not transfer me to a U.S. based call-center. My call was originally about the mis-reporting of a closed account by Transunion but has now, following my interaction with the third party call-center for Transunion, makes me concerned the alleged representative may have ill-intent. With the current climate and the bureaus breaching the trust of millions of individuals the idea of speaking with anyone who can not answer generally searchable information about their alleged company makes seems like a major red flag.
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 15 USC 1681. XXXX XXXX XXXX XXXX blance {$4600.00}, XXXX  XXXX etc. There are 12 of these accounts open. This letter is addressing all 12 accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Checking or savings account

I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. 

On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur any additional fees since the same 4 transactions that were pending on XX/XX/XXXX were still pending on XX/XX/XXXX and no new transactions had taken place. I was advised that one of the 4 transactions ( a {$29.00} annual auto renew subscription from XXXX ) would result in a {$35.00} overdraft fee. 

It is unfair, deceitful, and possibly illegal for Bank of America to factor in all pending transactions when determining the " available balance '' that is used as the basis for determining which posted transactions trigger an overdraft fee. It is fraudulent to then charge a customer an overdraft fee on the pending transactions when they finally do post since they were already factored into the historical balance used to determine overdraft fees. If pending transactions were excluded from the overdraft assessment, then I would not have incurred any overdraft fees on XX/XX/XXXX, but they were. Bank of America can then not treat them as newly incurred overdraft incurring transactions when they do post. 

I remember the days when banks would manipulate the order in which same day transactions posted to an account in order to maximize the overdraft fees they could charge ( regardless of the timing of when those transactions actually occurred during that day at the retail terminals ). This practice is now illegal. 

I have uncovered a new way in which Bank of America is manipulating the way in which they double count pending transactions against a customer to incur overdraft fees. They are manipulating pending transactions ( both while pending and again on the very same transactions when they post ) in calculating the balance used to assess overdraft fees. 

This is fraud, deceit, unfair and possibly illegal.
Product: Vehicle loan or lease

I am a victim of predatory lending. I took out a Capital One auto loan on XX/XX/year> for {$21000.00}. The interest rate is 18.24 % and the loan term is 88 months. I am a resident if Florida. To date, i have paid XXXX XXXX in principal and XXXX XXXXXXXX in interest. I have paid for the car already and would have paid for the car 2xs by the time of loan maturity.
Product: Credit card

There was fraud reported on my Transunion credit report. I have no knowledge of the accounts nor did I consent to have them. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. This needs to be removed from my credit report. This is considered fraud.
Product: Debt collection

Received a warrant in debt on my doorstep without being properly served which is illegal in this state. Further, I have no one to speak with regarding this other than the collection agency, which is also illegal. Midland Credit Management is not listing the legally required information for the lawyer representing them in this case, as required by law. Further, they combined two separate accounts into one to file a lawsuit for a warrant in debt, I can not be served for two separate accounts under the same lawsuit.
Product: Debt collection

I applied for a loan with money lion XX/XX/2023 for XXXX I was approved but never received funds and then on XX/XX/XXXX they claim I am behind on my repayment by XXXX. Please help
Product: Debt collection

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Midland Funding, LLC or the original creditor. I have also requested that this subterfuge be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/
Product: Credit card or prepaid card

Through my Credit Karma, I have received several emails stating I'm pre-approved for several Credit card offers with great approval odds & received a few lists of these companies. I'm trying to rebuild my credit, so I started reviewing some of them. Well after I decided to apply, I was denied and then seen there were several hard inquiries made to my credit report which made my credit score drop dramatically. One of those third party companies also required a deposit which I attempted to make but my bank had stopped the transaction as I have identity theft protection on my credit reports, I received a few follow ups regarding my deposit but I figured it was not meant to be and didn't reapply. 
My credit score is now suffering, and I never got approved after they said the odds of my approval are 100 %. This is very misleading and does significant damage to credit reports. I would also like this complaint to also be filed with the FTC as they have started filings on this.
Product: Debt collection

This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.
Product: Checking or savings account

id theft happen to my account cra violation inaccurate information with XXXX had issues with accounts that caused all kinds of overdraft that was not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}
Product: Debt collection

They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude
Product: Credit card

In 2022, I followed the procedure outlined on the Federal Trade Commission website to stop prescreened credit and insurance offers. However, I recently received a mailed solicitation for the XXXX XXXX American Express XXXX. American Express is the company that will not stop mailing me solicitations. It was the annoying amount of mail from American Express that drove me to stop prescreened offers to begin with. At some point, a company that will not stop sending offers, whether direct or via XXXX, is harassing the consumer. The piece of recent mail that I received appears to be from XXXX XXXX. When I visited their website, there is no way to stop mail. When I contacted their customer service, they could not understand the difference between physical mail and email, and they could not explain how to stop mail. ( 1 ) I think American Express is using XXXX XXXX as a guise to get around the consumer 's wish to stop prescreened offers, and ( 2 ) I think XXXX XXXX and is playing games to confuse their customers by not making it clear how to stop mail. It should not be this difficult to stop mail from any company. I do not want my personal information floating around in the mail. I have been the victim of identity theft, and I believe that it's pieces of mail like this that will continue to put me at risk. I'm putting in a complaint about both of these companies because I think that consumers should complain when companies take advantage of technicalities at the consumers expense.
Product: Credit reporting

I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's seems TransUnion and XXXX continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 Try XXXX XXXX credit-XXXX-image Instantly XXXX Your FICO Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
Based on your credit report, we found 6 things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX & reg ; XXXX  Visa & reg ; for Rebuilding Credit XXXX, you're pre-approved for an offer from our partner XXXX XXXX XXXX. 
About 90 % odds of approval, subject to final checks
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of the late payment entry from my credit report as the above company violates the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) states the consumer report does not include the report containing information solely as to transactions or experiences between the consumer and the person making the report, U.S.C 1666 ( B ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason and U.S.C 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a complaint with the XXXX regarding this matter also, This company is reporting incorrect information on all 3 of my credit reports stating I owe them, I currently have XXXX XXXX lights in my name, the only way to have a open account is if the past due is paid in full, I paid this balance over 2 years ago Ive asked the reporting company to provide proof that I owe the balance or immediately permanently remove from all XXXX of my credit report and they have failed to do so, I have provided proof of a updated bill thats currently in my name from XXXX XXXX meaning I dont owe a balance to them, they will not allow you to have service until a balance is paid in full I need someone to please investigate this listed account throughly and have it permanently removed immediately are {$1000.00} fine should be paid for reporting incorrect information to the credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized letter on XXXX by certified mail with USPS return receipt required. Transunion did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Transunion on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Transunion has ignored all four letters. In the letter of XX/XX/XXXX, I demanded that Transunion provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Transunion has neither removed the debts from the credit report nor have they sent me written proof of the debts they report.
Product: Checking or savings account

Bank auto charged XXXX dollars from my debit card to my credit card even without sufficient funds causing an overdraft fee. I didnt notice this till about a month or two later causing XXXX  balance of XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXXXXXX XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX Credit Report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Debt collection

On XX/XX/year> I called customer service to regarding a debt of about XXXX XXXX  which I don't recognize showing in my credit score, after talking with them I told them I do not recognize the names of the people and that I have never lived there. I was told the conversation was being recorded and I verbally asked for a debt confirmation or any paperwork regarding the debt. Then on XX/XX/XXXX I sent an email regarding the situation and I attached a debt validation letter to the email. After no response i sent another email regarding the situation as it has not being removed from my credit report i threaten with filling a report and taking legal action if not fixed as of today i have yet to receive any information regarding my request. As a member of the armed forces this can hurt my career and prevent me to advance and get higher security clearance in the future. I work hard to keep my credit score in top shape and this is affecting me and causing unnecessary stress.
Product: Checking or savings account

XX/XX/2021 Date Account opened through fraud with PNC Bank Unemployment started and checks received from the unemployment Department