23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted CBCS via certified mail requesting validation of a claim that I owe them XXXX., made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from CBCS for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if CBCS can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX  have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by XXXX XXXX XXXX which is fraud. XXXX is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XX/XX/2019.
Product: Debt collection

I had purchased a Hotspot ( model Velocity ) at the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store, in full, with the unlimited plan on XXXX for {$130.00}, found that the device had no signal where I reside and returned the device under the 14 day return policy on XXXX ( within 7 days ) and was credited {$87.00}. Please see attached copy of my credit card statement. I was assured by the XXXX XXXX XXXX store employee that if I return the product and cancel at the store within 14 days that there will be no charges. I was not even aware that there was a restocking fee, as no one informed me. Please see their website regarding the 14 return policy at : https : //www.att.com/XXXX XXXX  XXXX I returned the product to the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store asking one of the agents to cancel the account and payed the restocking fee of {$45.00}. 

In early XXXX of XXXX I received a bill for {$140.00} and a letter that the balance will be forwarded to a collection agency ( please see attached ). I have called XXXX XXXX XXXX customer service many times, each time being put on hold and transferred to countless agents whom none of which knew how to resolve the problem. Finally after investing many days and hours I finally reached someone who was able to change the cancellation code in the system. Apparently, he said, the wrong cancellation code was used by the employee at the XXXX XXXX XXXX store where I purchased. Please refer to XXXX & XXXX recorded conversation associated with this account number for clarification. 

I am now harassed by Gatestone Collections on a routine basis even though I was assured by the last XXXX XXXX XXXX customer service representative in early XXXX that the collections account will be withdrawn. Even though the phone number is in my area code ( XXXX ), after some research, I found that Gatestone HQ is located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. 

I sent a certified letter on XXXX XXXX, XXXX to retrieve the account from collections and cancel the debt to the following XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CEO XXXX XXXX. XXXX XXXX, Sr. Executive VP XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sr. Executive VP & CCO XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to formally express my concerns regarding repeated overdraft fees on my Navy Federal account. I understand the purpose of overdraft fees ; however, the frequency and accumulation of these charges have become overwhelming and financially burdensome. 

The issue stems from instances where small transactions were processed, triggering overdraft fees that far exceeded the transaction amounts. Additionally, there seems to be a lack of clarity in how transactions are prioritized and processed, as deposits appear to be delayed while pending charges are expedited, leading to avoidable overdrafts. 

Despite my efforts to resolve this issue, including contacting customer service and adjusting my account management habits, the fees have continued to accumulate. This has placed significant strain on my finances and undermined my confidence in Navy Federals ability to support its members. 

I am requesting a thorough review of my account history and an explanation of the practices leading to these repeated fees. Additionally, I would like to request a refund or reduction of the overdraft fees incurred during this period. It is my hope that Navy Federal will take the necessary steps to improve its policies and provide fair and transparent account management for its members. 

Thank you for your attention to this matter. I look forward to your response and a resolution that demonstrates Navy Federals commitment to its members. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Saturday XX/XX/XXXX my aunt sent me some money to a cash app that I understand the company informed me was not a verified account. She sent me XXXX. I called the company cash app and square up several time to inform them that this account was not mine and that they should refund her after weeks of working on this me and my aunt both called and called they informed me that she would get her money back in 10 days because the account was not verified. Here it is months later and she never received her money back and now this has caused a bad bond between family. I called and called and called they ignored me and stated that since I couldnt verify the account there is nothing they could do for. This is wrong she sent the money to the wrong cash app and they allowed someone to take her money even after she reported it to them on several occasions. They never refunded her the XXXX and now my own aunt flesh and blood no longer trust me. This has caused a lot of pain and suffering and my aunt works hard for her money. We just want to get her money back to her and hold this company responsible for making me and my family now distant. The pain and suffering I have been going through is wrong this is my moms younger sister and my mother is deceased.
Product: Debt collection

First I have looked for this judgement that was filed against me all over the internet and XXXX, XXXX XXXX XXXX XXXX XXXX pages and couldnt locate a single socket for it. There was XXXX for a magistrate in XXXX XXXX but was closed but nothing for XXXX court of common pleas. I don't have any knowledge ever signing anything regarding this judgement back in XXXX either. Recently I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ) regarding a judgement recovery. XXXX XXXX XXXX, assignee of XXXX XXXX v XXXX XXXX, XXXX XXXX court of common pleas docket no. XXXX, mentions chase bank was the original creditor and the judgement was entered on XX/XX/XXXX. It's now XXXX and this is the first I have heard about this judgement from 11 years ago. Wasn't chase suppose to stop all judgements between XXXX because they got into legal trouble? Why is this company harassing me now and threatening to sheriff sale my stuff, bank accounts, ect? I just received a paper on XX/XX/XXXX and now as of XX/XX/XXXX I already received a second paper stating praecipe to update judgement debtors address. I seriously don't even know what to do regarding this but I'm not in a position to be paying unforseen bills when it's hard enough to get by as it is. I don't own a home, a car, nothing cause life is very hard to get ahead with the XXXX and rising costs of inflation we live in and all of a sudden someone tries to get me to pay something from 12 years ago. This is insane. XXXX hoping this is something that chase just missed and can be thrown out cause I really have nothing to offer them. I have all the documents I have recently received if you need the copies of them. Thank you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX not a third party company I am sending this complaint without assistance from any one. I noticed that Capital one has been reporting Account name CAPITAL ONE Date opened XXXX a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX amt XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX unauthorized transaction never got .my credit it was XXXX dollars of my money
Product: Money transfer, virtual currency, or money service

Problems sending money in my account was late paying bilsd or getting money to family members at the right time that was needed
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After 3 requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.
Product: Payday loan, title loan, or personal loan

MY account number was listed wrong on here and I called today and they told me that my account was good. Then they saw two late payments on there and the lady on the phone helped me out and got it taken care of. I made a payment on XX/XX/XXXX and I don't know what is going on. If my payments are being reversed when my account is good then I am not sure what is going on. Please help me in removing these late payments because it is not my fault and I don't want this error to haunt me for the rest of my life. I told the lady on the phone and she said its not like you weren't trying to make the payments so dispute it and we will remove the late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX XXXX XXXX this item must be deleted, or we will pursue civil action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 have disputed this account XXXX XXXX # XXXX several times because it is reporting inaccurate and I want it deleted off my consumer report. However XXXX and Trans Union says it reporting accurate but both companies reporting different things. WHICH ONE IS TRUE?? This is a violation to my consumer law rights, everything on my consumer report MUST BE FACTUALLY AND TRUE. I have also enclosed copy box report to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Experian on XX/XX/year>, and was marked as verified on XX/XX/year>. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601.

Disputed Account Information : Account Name : XXXX XXXXXXXX Report number XXXX - **Section 611XXXX : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a comment on a car loan from 10 years ago stating : Consumer Dispute - Reinvestigation in Progress. I was due to close on a new home " mortgage '' and this comment has been removed from all credit reports including my spouses except for Equifax. This dispute started on XX/XX/19 and I have been trying to tell them that I was not disputing this account and the comment needed to be removed. Conversations have been going on with them for 3 weeks now and I have received 5 confirmations telling me the dispute is complete and has been resolved. Only to find that the comment still remains on my credit report. I am now 30 days past my closing date due to them not resolving this issue. I need to have this resolved immediately. Any assistance you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is solely responsible for damage to my credit rating by -13 points from XXXX down to XXXX on XXXX XXXX. I contacted all 3 credit bureaus to find out why this drop had occurred and they all told me that Capital One was responsible for the 13 point drop. I called Capital One, and they told me on three different occasions ( one email and two phone calls ), that they decided to decrease my 14 - year credit card account ( which was in excellent standing ), credit limit from {$20000.00} to {$10000.00}. They told me that their company is restructuring their credit limits, and that they could not reverse the damage this did to my credit rating ( score ). XXXX and XXXX   disputed against Capital One on my behalf on XX/XX/2020, but Capital One still refused to reverse their decision, and repair the damage they had done to my credit score. I have put in a repeat dispute against Capital One this day, and am reporting the problem to your company, as well as the State Attorney General of my state ( South Carolina ). I have also sent in a 100 - word statement to the 3 credit reporting agencies to communicate to any credit inquiries what has transpired with my credit report. This sort of thing needs to be stopped, as credit is very important in this world, and to have it unnecessarily damaged by a credit card company is wrong. I did nothing to create this damage, and will do everything necessary to see that this damage is fixed. XXXX and XXXX has all supporting documents. Please contact me with any additional information that you may require to assist, and thank you for your assistance!
Product: Credit reporting or other personal consumer reports

I have been making monthly payments on my car loan at XXXX XXXXXXXX XXXX from my checking account at XXXX XXXX for over five years. I recently paid off my loan and have a XXXX balance. At the end of my loan, XXXX XXXXXXXX XXXX reported me to all three credit bureaus that I was 30 days late for XX/XX/year>. This is not true as I timely paid my loan and was not 30 days late. I have three items that prove my payments were timely made. I submitted them to everyone involved : XXXX XXXX, XXXX XXXX and all three credit bureaus ( XXXX, XXXX and Experian ).
Product: Credit reporting or other personal consumer reports

These item appear on my consumer report are results off identity theft. 

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

On XX/XX/XXXX, Navy Federal Credit Union received a credit report from XXXX. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus. 
I use only two credit cards and pay off the balances every month.

The only outstanding loan is my mortgage with Navy Federal with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
XXXX will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.