23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX, Capital One Bank, and CFPB, I am filing this formal complaint regarding an account with an alleged balance of {$2400.00} that appears on my credit report, which I dispute vehemently. Despite my dispute with the credit reporting agency, they confirmed the account 's validity based on your response. I have no recollection of any relationship with your collection agency or the original creditor, and I believe there are significant inaccuracies in how this account is being reported, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I demand proof of this debt, specifically the alleged contract or any document bearing my signature, as well as proof of your authority in this matter. Without such documentation, you are obligated to correct any erroneous reports of this debt under my name. 

Please provide the following information promptly : Documentation evidencing your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) regarding this alleged debt.

Explanation of the legal basis for your collection of information. 
Explanation of the legal basis for your collection of this alleged debt. 
Proof of your authorization to conduct business or operate in this state. 
Evidence of the alleged debt, including any contract or document bearing my signature. 
A complete account history, detailing all charges added for collection activities. 
I am formally complaining about violations of my consumer rights under various sections of the FCRA and FDCPA : Under FCRA 15 U.S.C. 602 ( a ), I have a right to privacy, and according to 15 U.S.C. 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. 
I demand an immediate cessation of all communication and collection activities related to this account. 
I request the immediate deletion of this account from my credit report as I have no knowledge or contractual obligation pertaining to it. 
Your actions have severely impacted my credit report and financial standing. Specifically, I allege violations of the following sections of the FDCPA : 1692d : Harassment or abuse in connection with the collection of a debt. 
1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threatening legal action that can not legally be taken or is not intended to be taken.

1692g ( b ) : Conducting collection activities that overshadow or contradict the disclosure of my right to dispute the debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt. 
I demand the immediate removal of this account from all credit reporting agencies. Your prompt attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 am writing to file a complaint against Navy Federal credit union regarding multiple over draft 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: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 USC Code 1681eb. 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 in XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

This company who represent Best Buy keeps on calling me daily or every other day, so little time away from XXXX more than once a day, even though I am making payments monthly. Theres no need to repeat calling me as they have been deducted money from my account monthly. I feel this is harassment like I try to sleep during the day as I work nights and this is quite too much and seems like the mount is not going down at all either Also says that my payments are late but they are schedule payments so its a lie and theyre bringing down my credit and this is the stop
Product: Money transfer, virtual currency, or money service

i sold an item on XXXX and paypal put a hold on the payment i recieved for the transaction and i was told by paypal to ask the buyer to once again confirm the reciept and for me to upload the tracking information and i have done both and they are still refusing me access to my money. XXXX XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth for the last few months with Equifax about this particular account and it's ridiculous. It needs to be removed ASAP. The Equifax has stated my account was properly investigated but how is that possible if the information on my XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally XXXX is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, the big bad wolf Equifax Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this institution for a list of my accounts. B/c of the fraudulent acts that this bank have made to keep from the account that have my name on it. The trust, est or saving that belongs to me. My personal information has been used fraudulent therefore collecting my account summary is important. The state and federal agencies has taken steps to block the fraud. The bank have refused my attempts to stop the fraud. 


The bank has kept me for my funds. Reps in the banks has denied several in branch attempts to provide my information. They are trying to help destroy my credit to hind the fraudulent opening accounts in my name. Protecting their employees is better than standing in their truth The account was paid, but the amounts never was credited to the balance.
Product: Credit reporting or other personal consumer reports

I sent mailed a letter through USPS on XX/XX/2023 to the address reported on Equifax Information Services website for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The certified number for this document is XXXX XXXX XXXX XXXX XXXX. The document is still available to pick up as of XX/XX/2023 which is hindering me from getting information corrected on my report. Attached here is the document again for reinvestigation of said accounts. 


REQUEST FOR REINVESTIGATION I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX  veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran
Product: Credit reporting 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 the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

BANK OF AMERICA/ XXXX TRANSFERRED THE MONEY TO A WRONG RECIPIENT On XX/XX/XXXX, I sent {$2500.00} to XXXX XXXX . The $ left my personal checking account but never got to his account ; I used his cell number and full name to make the transfer. The XXXX transfer confirmation # for the transaction is XXXX o On XX/XX/XXXX, I initiated a dispute ( claim number XXXX ) with Bank of America to get the XXXX back. 2 weeks later, BOFA sent me a letter closing the case saying that the investigation was closed and there was nothing else i could do to receive the $ back. They said anyone can attach their phone number to anyones account ... makes no sense! where is the anti-fraud protection? I called BOFA several times, i went to the branch and no one can help. 
XXXX was also contacted with no help. They blame BOFA and vice versa. No one takes the responsibility to pay their client back the money that was never delivered. 
What can be done? I find hard to believe that being as big as XXXX is ( and it is owned by banks ), the services can be so unreliable. PS : I saw the bank statement from XXXX XXXX and i verified the money was never received by him. 
Thanks for your help, i hope there is something we can do to get the $ back from them. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

A man named XXXX XXXX sent me a copy of a " contract '' that I had never seen. It had amounts for interest and principal that are completely foreign to me. 

I have used this firm before and the agreement that I made previously was carried out exactly as agreed. 

This time, they overcharged me in a most predatory fashion. In addition, the contract that XXXX XXXX emailed to me had an interest rate of 29+ percent. I would NEVER agree to a contract interest rate higher than 12 %!!
Product: Credit reporting or other personal consumer reports

I have submitted disputes for years & I havent received the accurate results that I deserve. 

No right to accuracy on my report due to payment history dates reported!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA XXXX did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.
Product: Payday loan, title loan, or personal loan

Used affirm to purchase event tickets for XXXX XXXX  - event was cancelled. Put through my disputes with my credit card & they took the money from affirm. Affirm then said they were going send that to collections & charged off, I paid {$580.00} more to not have it be charged off & not affect my credit. The event didnt happen so I shouldve never had to pay them the money again anyways as the services were not provided. I did contact affirm but they did not seem to care.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation, and the debt collector has not provided sufficient documentation to substantiate their claim.

2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with the original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate.

3. INACCURATE REPORTING : The balance, dates, and account status being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt.

LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information.

2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report.

DEMAND FOR ACTION : 1. Conduct a thorough investigation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees.

This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of this matter.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for falling to properly investigate my dispute regarding inaccurate in my credit report.Despite my submissions, equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a throrough investigation. The practice violates the fair credit reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX which mandates a resasonable investigation of disputes.Furthermore, XXXX actions may also contravene the consumer financial protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.
Product: Credit reporting or other personal consumer reports

I had self prepaid credit builder account. My credit score started at XXXX and I built it up to XXXX. After two years of paying self, i paid off a XXXX dollar loan which was not actually a loan because Im using my own money. Finally when I got it down to a XXXX balance and wanted to close my account it dropped my credit score back to XXXX. Where I started from. I was deceive thinking it will build my credit and when I finally closed my account down it took my credit score below XXXX. 
I spent 2 years paying self for no reason and I even asked a self representative, A XXXX lady from the XXXX if my credit score would drop and she said for sure NO. I was lied to and did all of this work for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was Paid miss communication and spoke with them it states wrong information I paid off the remaining balance mypay stop the allotment and I didn't know.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CHILD SU XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Mortgage

Since XX/XX/XXXX I had my FHA mortgage with XXXX XXXX XXXX. In the middle of XX/XX/XXXX, whilst I was in the middle of a VA mortgage refinance with XXXX XXXX, unbeknownst to me XXXX XXXX XXXX, transferred my loan to Nation Star effective XX/XX/XXXX. XXXX XXXX paid off Nation Star on XX/XX/XXXX, before my first mortgage payment with them was due. However Nation Star has not refunded the balance in my escrow account and said that on XX/XX/XXXX they sent this money to XXXX XXXX XXXX to pay a Corporate Advance for an appraisal & I needed to call them. XXXX XXXX XXXX has told me they did not require any money, they did not request any money and they have not received any money ; that my loan was paid in full. I have spoken to at least XXXX different Nation Star Customer Service Agents and XXXX people in their Escrow Department and no one can tell me where my money is and why it has not been refunded.