23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XX/XX/2022, {$590.00} worth of fraudulent charges were made on my TD Bank Visa card. No verification attempt was made by the recipient ( XXXX AA ), as the name given was not the name that goes with the card. I disputed the fraudulent charges and received a waiver of the charges on XX/XX/2022 ( attached ). But then they reversed that decision arbitrarily, based on no evidence. Furthermore, I have used this XXXX for well over a decade with zero history of anything but complete honesty ; I don't know how could have been any more of a model customer. TD Bank arbitrarily decided to steal that {$590.00} from me. 

Furthermore, when I spent a couple of hours on the phone attempting to get some kind of answers, they resubmitted it to investigation with the promise that I would get an answer within 6 months. No answer came and I called again, going through another 45 min. on the phone to get someone to promise I would get an answer within 10 days. That answer never came either. TD Bank has been horrible to deal with, both in terms of dishonesty and difficulty of finding anyone to talk to. It took me a half hour on the phone today to cancel the card.
Product: Credit card

I called Capital One customer service on XXXX to pay {$50.00} which was the balance owed. The due date was XX/XX/XXXX. I checked my online banking today and saw it had not been taken out. I then called customer service today to check why it hadn't been taken out. They said there was an error in my information. I know I gave all the correct info and I gave it to her twice. I guess it was denied by the bank. I asked to have the {$29.00} late fee waived but was told no. I then went online and paid the {$50.00} and will now check everyday to make sure it is taken out. Today is XX/XX/XXXX so I would be 1 day late through no fault of mine. Also, I have a XXXX XXXX and the person I spoke with had an accent which made communication extremely difficult. 
I never use this card except to pay the {$50.00} membership for XXXX. Also, I did not receive a phone call about any problem with the payment. I have an answering machine and there were no messages from Capital One or the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reporting act 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Student loan

XXXX, XXXX XXXX XXXX with Navient has contacted my employer and has attempted to harass me and my employer. He wants my employer to call him and to send him personal information on me. In an attempt to get them to put pressure on me or possibly fire me. This tactic is unprofessional and unethical. Please stop Navient from using these bullying techniques on Alabama employers and employees. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX  A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums
Product: Debt collection

I am not disputing the debts that I owe ; I am disputing that the following accounts on my credit XXXX XXXX ( XXXX ) and Express Collections ( XXXX ) XXXX {$3500.00} ( XXXX XXXX XXXX XXXX ) had negatively impacted my score in XXXX. The collection companies have added the debts back to my credit report as of XXXX. This impacted my credit score negatively again. The collection accounts were added as if they were new accounts. I have been working hard on getting my credit back on track, my score went down by XXXX points once this was done. I have written all 3 credit bureaus and I have stated the rules about reaging accounts. They keep responding by saying the debt is valid, I am not disputing the validity of the debt. Please explain to me if this a good practice as I researched and per regulations this is not. I need someone to assist me on this. They credit bureau takes XXXX when you are late or fall behind, but they add XXXX points when you are back on track and making on time payments and this is not fair!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report shows : " Paid. Closed. '' XXXX This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, XXXX ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX  XXXX XXXX M Th XXXX XXXX   XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

Debt was sold to a debt collector with out my permission. The debt collector has personal information that I did not give. Under the law 15 USC 1692g. And under the 777 rule they contacted me multiple times through via phone and emails. This debt is no longer owed due to original creditors went bankrupt
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

I observed an unknown and unauthorize transaction on my Capital One card ending for {$60.00}. The transaction took place at on XXXX at XXXX at " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. As soon as I became aware of the issue, I contracted Captial One. I also stopped by the store where the purchase was made and talked to the store owner. I discovered the store was not even open for customers during the time the charge was made, and the store owner had no receipts for the charge in question and I was able to view the store surveillance video for XX/XX/22 and XX/XX/22 and there was no transaction made by me and no receipts found for a {$60.00} transaction. The store owner even looked at the video surveillance and reported it directly to Captial One with my approval, the conversation was recorded by a Captial One Rep and they still would not provide me with a permanent credit for the charge that is in dispute. I also obtained a police report of the incident because I did make or authorize this transaction. I'm requesting a full credit of {$60.00}.
Product: Debt collection

Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.
Product: Debt collection

I am filing this formal complaint against Self Financial concerning my account with them, identified by account number XXXX. I urgently seek debt validation and request essential documentation regarding the alleged debt. 

1. Debt Validation : I formally request validation of the debt, specifically a copy of the 1099-C filed when the alleged debt was charged off. The lack of proper notification concerning the cancellation of this debt raises substantial concerns regarding transparency and consumer rights. 
2. Notification of Debt Cancellation : In accordance with federal and state laws, especially those specific to XXXX, I assert my right to be promptly and properly notified of the cancellation of this debt. The indication that the debt has been written off via 1099-C heightens my concern, and I must be informed and relieved of all responsibilities related to this debt. 
3. Debt Collector License : Being a resident of XXXX, where it is legally mandatory for debt collectors to be licensed, I demand immediate proof of Self Financials debt collector license. This is vital to ensure compliance with applicable state regulations. 
4. Full Accounting Ledger : I insist on the provision of the full accounting ledger associated with my account. While Self Financial is the original creditor, it is imperative to emphasize that the Fair Debt Collection Practices Act ( FDCPA ) applies universally, encompassing anyone attempting to collect a debt. 
5. FDCPA Application : I emphasize that the FDCPA is applicable regardless of Self Financials role as the original creditor. Compliance with the FDCPA is mandatory in handling this matter, and I request strict adherence to its provisions. 

Relevant Laws : FDCPA ( 15 U.S.C. 1692 et seq. ) 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 ) 6. Laws Regarding 1099 Cancellation of Debts : I urge Self Financial to provide documentation and information elucidating how the 1099-C cancellation of debts affects my obligations. Relevant federal laws include : Internal Revenue Code, Title 26, Section 6050P 7. Consideration of Litigation : Understanding that litigation can be a protracted and expensive process for both parties, I propose that the most judicious resolution would be the deletion of the debt from my records. This aligns with the best interests of all parties involved and mitigates the need for prolonged legal proceedings. 

This letter also serves as a formal written dispute, requiring Self Financial to immediately CEASE all debt collection attempts and DELETE this item from my consumer credit report throughout the duration of the investigation. Any information provided by Self Financial in response to this complaint may be used in court proceedings related to this matter. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, ensuring strict adherence to both federal and state laws governing debt collection practices. 

Thank you for your immediate attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous account.
Product: Mortgage

After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.
Product: Vehicle loan or lease

I am clear that those rights have been violated. Please see the list of violations that occurred during my consumer credit transaction to purchase the XXXX XXXX XXXX noted below. 

It is a fact that I provided a cash down payment in the amount of {$2300.00}, however per 15 USC 1605a no cash down payment can be collected when there is a finance charge. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. 

It is a fact that in the Retail Agreement It States that I have given the Dealership XXXX XXXX XXXX security interest. 15 U.S. Code 1667 ( 5 ) The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 

It is a fact that I understand pursuant to 15 USC 1605, that the finance charge is the sum of all charges. On the 1st page of the contract the finance charge is misrepresented to be only {$10000.00} when in fact the sum of all charges would be {$27000.00}. 

This is a violation of 15 USC 1692e ( 2 ) ( A ). I am the Creditor. It is a Fact that I exercised my right to extend my credit. It is a Fact that I understand that Pursuant to 15 USC 1602 ( I ) ( M ) ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

( M ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 

Once you obtained my SSN you accepted my ( Credit Card ) as payment. SSN belongs to the SSA And anything purchased with that identifier number Is an obligation of the United States. It is a Fact that the Pursuant of 18 U.S.C. 8 Means that your are in Violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. On the 1st page of the contract the finance charge is misrepresented to be only {$10000.00} when in fact the sum of all charges would be {$27000.00}. 
This is a violation of 15 USC 1692e ( 2 ) ( A ) Credit Acceptance has engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of XXXX ( the CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), by obscuring the cost of credit for auto loans and taking unreasonable advantage of My lack of understanding of the risk of default and the severity of the consequences, as well as my inability to protect my interests. 
I was forced to obtain insurance misrepresenting the voluntary nature of add-on products. 

The members of XXXX XXXX XXXX staff did not even disclose that insurance was to be included with the finance charge, they just called XXXX insurance company on my behalf and made me contract with them separately. This is a violation of what is written in this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I reached out to the original creditor FORTIVA on XX/XX/year>. I asked if we could settle our debt. We came to an agreement that I would pay XXXX and our debt would be settled. Although we settled, Fortiva still turned my account over to a collection agency. The collection agency is XXXX associates. I provided proof of payment to XXXX. Fortiva also confirmed that we settled and XXXX still reported in accurate information to my credit report.
Product: Checking or savings account

I lost with Discover about XXXX XXXX +. Told them that lost the card with backpack and phone in there. Now they don't wan na give money back because transaction with pin and chip. 
Of course it easy to find out with laptop pin and use my smartphone to make purchases and atm. Back back was stiolen in subway. Report to police do you think it is going to help? Discover always said XXXX liability on their card. But its not
Product: Credit card

I have been charged interest on purchases during an XXXX month interest free period. I have spent countless hours trying to resolve this issue with American Express, but they are giving me the run around and not reversing all the charges. At this point, XXXX months of interest charges have been reversed, but XXXX months still remain. On my statements APR is still listed at 14.99 % with a purchase balance that they are charging interest on. This should be 0 % APR until XXXX 2016, which is also clearly listed on each statement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is TransUnion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX  XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4XXXX XXXX  # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.