23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The credit agency listed below is falsely reporting to the three main consumer credit bureaus XXXX, XXXX and XXXX. I do not owe any money to any apartment complex or credit agency. I have disputed with RENTDEBT directly and have requested proof of documentation that clearly indicates if I owe any amount. They have refused to show any documentation that any agreement was made about extending the lease. They are claiming I extended my lease, which is not true at all. I have asked them to remove the account and derogatory remark they have made on my credit report, however RENTDEBT is refusing to do so. I have presently filed disputes as of today with XXXX, XXXX and XXXX. I am also contacting the Consumer Financial Protection Bureau ( CFPB ) to shield me from the harassments and threats made by RENTDEBT. They are demanding me to pay them {$900.00} to remove the account and derogatory remark from the three major credit bureaus. My credit score used to be XXXX, however now RENTDEBT is using my credit score as XXXX and preventing me from taking out auto and home loans to make a living, unless if I pay them their false charges of {$900.00}. THERE ARE ZERO AGREEMENTS of anything beyond my lease term, which has been paid in full and every payment on time. They have FAILED to provide proof otherwise. They are demanding money. This is unethical and unAmerican. I kindly ask the CFPB to remove this any and all charges and remarks presented by RENTDEBT from the three main consumer credit bureaus XXXX, XXXX and XXXX and from my life completely. I want this Debt Collecting agency to cease and desist from making any comments, remarks and charges concerning me. Thank you, RENTDEBT AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

As outlined in the letter I received XXXX XXXX, 2016, from the XXXX the negative trade lines were to have been removed as requested by the reporting agency. They have ignored the letter. Please help.
Product: Credit reporting or other personal consumer reports

hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. experian, XXXX and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I have had a few disputes, with Zelle particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed recovering lost funds was not possible and tracking the transactions wasnt feasible.
Product: Vehicle loan or lease

I received a letter from CAPITAL ONE AUTO FINANCE with the threat of repossession for the amount of XXXX, XXXX with the last day for payment of XXXX. A tender of payment according to UCC 3-603 was sent to CAPITAL ONE FINANCE on XXXX for the amount of XXXX, XXXX, XXXX. It was received at XXXX am on XX/XX/2022 picked up by a individual, at the postal facility. Speaking to XXXX XXXX ID XXXX from the office of the president on XX/XX/2022 at XXXX stated to me that CAPITAL ONE follows all USC AND UCC CODES. Today upon XXXX, XXXX  upon speaking to CAPITAL ONE AUTO FINANCE it was said to me that they had not received my tender of payment yet.
Product: Debt collection

Best Egg has continued communication in regards to the alleged debt after I gave notice that they cease and desist all communications with me in regards to the alleged debt pursuant to 15 USC 1692c ( c ). Best Egg has also failed to proved adequate documentation as request pursuant to 15 USC 1692g so that I can exercise my right as a consumer and accurately validate my obligation to the alleged debt, all I have received from Best Egg is copies of a loan agreement. I still have no information on who the original creditor is, there address and where the credit originated from. Pursuant to 15 USC 1681n ( a ) and 15 USC 1681o ( a ) Best Egg is noncompliant to my request to accurately validate my obligation to the alleged
Product: Debt collection

I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from XXXX XXXX XXXX XXXX XXXX regarding the alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 2. Credit Reporting : Despite not receiving the required validation letter, XXXX XXXX XXXX XXXX XXXX has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times contacting Experian via phone and online to dispute accurate info and haven't reached a live agent. Experian online disputes directs me to call Experian 's number. I'm unable to view or submit any info online to XXXX  regarding disputes. The reps at XXXX are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from XXXX  closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX XXXX mailed off documentation XX/XX/XXXX to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach Avant regarding reimbursement they owe me and I never owed a debt to the complex. 


Experian and XXXX  have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach Experian by phone or online to dispute this inaccurate info. XXXX  didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from Avant property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX am after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.
Product: Debt collection

On XX/XX/19 I sent a letter asking them VALIDATE AND VERIFY this debt that I " owe '' and all I received back is COPIES of some contract from " XXXX XXXX '' with NO SIGNATURE or ANY AGREEMENT whatsoever and something pertaining to APARTMENT XXXX not XXXX my real apartment number.. 

This debt is INVALID and not VERIFIED NOR VERIFIED whatsoever.
Product: Checking or savings account

This is the second time I have submitted a complaint through cfpb, the first time Bank of America agreed to respond and never did on XX/XX/22 and a stranger company made a transaction from my account to another account that I don't know whose it is for the total of XXXX XXXX dollars and since then I have been talking to the bank of america to give me my money back but they do not want to give me back the money
Product: Student loan

At the time I borrowed the money the company was XXXX XXXX. I was told over the phone that when I borrowed the money it would not accrue any interest until after I graduated college. Just as long as I did n't be out of class for no more than 6 months. At the young and vunlerable age of XXXX, I did n't know any better. After graduating in XXXX of XXXX ( in school from XXXX XXXX XXXX ) I was unemployed and unable to find work, so I joined the XXXX at XXXX in XXXX of XXXX. Right about the time my previous loans were coming due. I was told I could put them in forbearance for a period of time without getting into trouble for a certain amount of time ( I ca n't remember how long they said ). At this time, I took out an additional student loan to put myself through the XXXX because frankly I did n't have any money. Fastforwarding to graduation of the XXXX in XXXX of XXXX, I was again told I had 6 months until my loan payments were due. In XXXX or XXXX of XXXX, when I finally looked into repayment of my loans, they had been accruing interest of ungodly amounts. My {$13000.00} or so of principle balance had grown to over {$30000.00}. This was devastating news to me. At times, I asked for lowering my payment and they said they could, but by this time I had learned my lesson of not to trust them. After investing, all I would be paying was straight 100 % interest. My principle would not be reduced at all. So I kept toughing it out. In the past 3 1/2 years I have paid almost {$15000.00} and I still owe {$22000.00}. As a matter of fact, I paid {$3500.00} on XXXX loan of 13.675 % today. Please help me and many like me. 

Regards, XXXX
Product: Credit card or prepaid card

I hired XXXX XXXX XXXX to move my belongings from XXXX  to XXXX  in XXXX of XXXX. When my belongings were shipped the container leaked. I received them in XXXX of XXXX and notified XXXX XXXX XXXX when I noticed the damage. They had me fill out a form and take pictures. The claim process took 90 days and it was denied because I didnt take pictures of the containers they were shipped in, which were already off of my property by the time I noticed the damage after unpacking. I called my credit card at that point and asked to file a dispute on a portion of the charge due to not receiving my property in the same condition it was shipped in. The phone rep put me on hold while she talked to someone else then came back on the line and told me I could not file a dispute because I still received all of my belongings. I dont feel I should have to pay for a service where I paid {$7000.00} to have everything I own shipped across the country to have multiple things I own have water damage. If a customer wants to file a dispute on a charge they should be allowed. Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a police report from the XXXX Police Department in regards to fraudulent and unauthorized checking accounts and credit inquiries listed on my Chex Systems Consumer Report. The following checking accounts was open fraudulently, are fraudulent checking accounts and not my accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of the credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, Experian, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Experian )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 months that are reported late 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 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Credit reporting, credit repair services, or other personal consumer reports

remove late payments, payments never late XXXX/XXXX/XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX , IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XXXX type Apartment complex
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting.
Product: Money transfer, virtual currency, or money service

I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. 
In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. 
I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX  XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance.

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Product: Credit card or prepaid card

I had a group of invalid transactions for which the merchant owed me full refund. Capitalone recovered these amounts through the XXXX Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account had a credit balance of XXXX. On XX/XX/2021 the credit balance was zeroed from my account to be mailed back for the credit balance refund. This refund was never received and was placed in some uncollected funds account pending for approval to assure the dispute cases were fully expired. This has been pending since for 9 months, and still as of today the my credit balance refund has not been received. 
- I previously filed a complaint about this under Capital One XXXX : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. 
- Since XX/XX/XXXX, 2 additional months have passed without resolution. 
- Respectfully, I would think that within these 2 months you should have long completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been chargedback and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. 

Thank you,