23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I acquired a debt with XXXX XXXX XXXX XXXX for the purchase of a XXXX XXXX vehicle. In XX/XX/XXXX, I decided to voluntarily return the vehicle to XXXX XXXX XXXX XXXX. After this, I was contacted by the Alltran Financial , LP Collection Agency to make me pay the rest of the debt, which according to them was {$3100.00}. 

It is important to mention that the principal debt for the vehicle at the time of purchase was {$33000.00}. 
I paid XXXX {$10000.00} as a down payment. Then eight monthly payments of {$600.00} ( {$2600.00} to the principal debt ). The vehicle was later sold by XXXX for {$30000.00} in XX/XX/XXXX. However, I ended up paying the Alltran Financial debt collection agency an amount of {$1700.00} and they are still charging me through another collection agency called XXXX XXXX XXXX XXXX. 

Nearly {$47000.00} has already been paid for the same vehicle.
Product: Credit card

Myself and a work colleague XXXX XXXX both applied for the credit card with an advertised Apr of 23.00 %. when I recieved the cards the interest rate was 29.49 % and Chase would not tell me why
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need this collections account removed under 15.U.S.C.XXXXXXXXC. 

I demand the following accounts be verified or removed immediately. 
XXXX. SYNCB/TJX COXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

Fair Collections & Outsourcing has an account with my name, without my knowledge or consent, and they are reporting an eviction to the credit bureau agencies ( XXXX, XXXX and XXXX ) for a place I never lived in. My information was used fraudulently to obtain a home which I had no knowledge of until the debt collection showed on my credit report from Fair Collections & Outsourcing in the amount of {$1500.00}. I have not, nor ever given consent to this company to have an account in my name or to send out my information to anyone. According to my credit report this account opened in 2017.
Product: Debt collection

I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date XXXX XXXX XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023,
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to them and told them I dont owe them any money they were rude and argued with me called after hours now theyre trying to get into my credit to mess that up even though my x husband messed that up with domestic abuse. I had to get a Protection order on my x husband. Another person from the same company is trying to Get financial records proof of income proof of power of attorney which Im not, They would not listen to me so I never got it resolved they have my phone number my email my address I dont have any idea how they got that.
Product: Checking or savings account

Capital One is refusing to honor payroll checks issued to one of our employees.
Product: Checking or savings account

I had sent a XXXX electronic payment via XXXX XXXX using the US Bank Phone app to my significant other at her Credit Union on XX/XX/2018. 
After checking for the deposit over several days and it still not showing up XX/XX/XXXX I called US Bank to see why money had not been sent to the specified account even tho funds had been removed from my US Bank account on XX/XX/XXXX. 
US Bank said funds had been sent. 
After calling the credit union to check again funds show no history of transfer. 
Filed a claim with US Bank XX/XX/2018 Over the phone. On XX/XX/XXXX I received a document for signature ; on XX/XX/XXXX, I received a denial of claim from US Bank! After calling the bank and being transferred several times, I was instructed by a bank employee that I must sign the form prior to any investigation on my behalf and the missing {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an address that Ive never lived at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history with DEPT OF EDUCATION/XXXX  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. 


DEPT OF EDUCATIONXXXX 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 or other personal consumer reports

XXXX XXXX Bank has unlawfully committed identity theft by furnishing false and inaccurate information on the consumer 's credit report, specifically reporting a fraudulent debt in the amount of {$5700.00}. This false representation not only misrepresents the consumers financial standing but also constitutes a serious violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). By willfully reporting and verifying this erroneous information, despite the lack of authorization or legitimate debt obligation, XXXX XXXX has caused substantial harm to the consumers creditworthiness and financial reputation. The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and TRANSUNION violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the XXXX XXXX XXXX XXXX of 2010 by ( XXXX ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The XXXX seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. Pertaining to the INACCURATE furnished Information by XXXX, TRANSUNION and XXXX as well as DEPTEDNELNET in the amount of {$21000.00} which is false representation of inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have 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.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX violated the XXXX by selling add on products in relation to the loan. This includes debt cancellation for {$750.00}.
Product: Credit card

I received a care credit card from synchrony bank during a medical crisis with my dog. The promotion offered stated that there would be no interest charged if paid off within a year. Over the course of the medical situation we used the card a few times as well as once for an emergency dental repair for myself. At the time it was hugely helpful. The monthly statements were very limited in their information and it was impossible to find a statement with clarity re : promotion deadlines etc. I made every payment on time, often more than the listed amount. But the amount I was asked to pay was not XX/XX/12 the total required to stay within the promotional period. Apparently I did not meet the scheduled deadline. I received a bill for over {$520.00} in interest this month, I was told by the company representative it was 26.99 % the total, and there would be additional monthly interest charges of 2.24 %. I was told I could have 30 days to pay that off and the interest would be waived ( the first clear information I easily received ). When I said I would be filing a complaint with CFPB the chat screen suddenly went to a technical difficulties disconnected screen.
Product: Checking or savings account

Chase sent me a letter dated XX/XX/19 saying they're closing all of my accounts, without giving me a reason, after absolutely no wrong doing on my part. 

They're telling me I need to close the checking and savings as well as the credit cards but somehow the brokerage accounts are ok? I need an answer as to why they're creating this storm for me. There is nothing at all fraudulent about my life I've been a full time employee of companies my entire career.
Product: Bank account or service

On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Bank of america card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Bank of america asking for a refund. Since then, I have n't received any meaningful communications from bank of america on when i should get a refund. I need the funds to be credited back to my account and bank of america has n't been responsive enough. I am not satisfied on how bank of america is handling my claim and the burden being caused on my finances by bank of america not immediately crediting my account while continuing their never ending investigation.
Product: Debt collection

I attempted to get verification of a contractual agreement from the company. For verification, I have received nothing for verification. I also realized that this company does not have a Debt Collector license in the state of Florida
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I called to settle my account. An agreement was made that a XXXX time payment of {$5500.00} would settle the account and the account would be closed. On XX/XX/year>, Lending point drafted my account for {$5500.00}. On XX/XX/XXXX, Lending Point then drafted another {$5500.00}. This draft was not authorized. I called Lending Point immediately ; they said to send them copies of the deductions showing the balance after the drafts from my bank account. I did, and when I called back, they acknowledged the receipt of the email with proof of the XXXX drafts. They did then acknowledge they made a mistake and would have the funds returned to me ASAP. They stated at most it would be 8 days. I am on day XXXX now. I have called 3 times now. Today they stated they did not receive the email with the drafts, then we I told the representative they had acknowledged the receipt earlier they changed the story and said it's in process and the back office is working on it and it will be refunded at some point in the future and was not able to give any timeline on when to expect the refund. I asked if that means it could be 6 months?? No response. When pressed the rep said possibly XXXX to XXXX business days. The rep refused to let me talk to a supervisor, and said he was on another call then when we asked again, she said the supervisor was in a meeting. Obviously, the supervisor doesn't know how to answer my questions.
Product: Checking or savings account

The Company i work for paydays are on XXXX i normally get paid early on XXXX  at XXXX my bank is capital and here it is XXXX XXXX on XXXX  and i have not received my money they are not communicating with me or anyone on there issue and refuse to tell us anything because of this blunder on there end someone like me that lives paycheck to paycheck has amassed more in payments not received fee then my check can cover
Product: Debt collection

At XXXX pst I missed a call from XXXX labeled Renton Collections and returned the call immediately. I was transferred to XXXX who said the number came up for XXXX. I said okay. XXXX placed me on hold without verifying any information. Then XXXX came back in the line and still without verifying any information said there was a past due medical debt for XXXX with XXXX XXXX XXXX. I asked the full name of the person owing the debt and was told XXXX XXXX. Then XXXX realized she had disclosed without verifying identity and asked me to verify who I am and my name. I terminated the call as this was a blatant violation of the FDCPA. It is illegal to disclose debts to third parties and my name was never even verified by the collector yet she happily disclosed the debt, creditor and party owing.
Product: Credit card or prepaid card

The company is Cash AppXXXXXXXX XXXX XXXX When you get direct deposit of over {$300.00} to your account, they give you what is called a Boost ( like a promotion ) and I got one Boost that was {$100.00} off ANYTHING. So I loaded {$100.00} onto my card and paid for something and they took my money and did not reimburse me. So because I did not load {$100.00} onto my Cash App card, they refuse to give me my money back. Even when you look at the stipulations for the boost, it doesnt say anything about needing to pay for something a minimum of {$100.00}. So because I didnt add one cent they wont reimburse me my money. I have all screenshots of what is going on.
Product: Debt collection

I don't have the exact dates but about a year and a half ago the collection agency out of California named Cavalry Portfolio Servic repeatedly called my mom, grandma, enployer and myself, after we all told them to stop. Also they threatened legal action regarding my debt, as well as discussed personal information about my debt with my mom, XXXX XXXX, who let me know right away. I notified them about this, requesting they remove my debt but instead they lied about all the violations in which they knowingly committed and refused to remove it. Luckily my mom was a manager at a debt collection company so she made sure to explain that what Cavalry Portfolio Servic did was unlawful and that I should file a lawsuit if they don't remove the collection from my credit report.
Product: Consumer Loan

I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l
Product: Debt collection

I filed bankruptcy in 2022 this XXXX account was included we dropped off phones, XXXX etc. now they added this as a collection on my credit reports. Amsher collection services inc has never sent me any validation letter or show where i had any new account with XXXX never had a bill for XXXX theyre trying to double dip. According to code FCRA SECTION 604 and Section 609 this shouldnt be happening. This has been wrongly reported on my credit file XXXX XXXX and XXXX and XXXX reports please help Ive also had inquiries of someone fraudulently trying to get credit cards in my name, i got a police report from my car being stolen in XX/XX/year>XXXX  had to put a credit freeze on my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account : XXXX XXXX  opened XXXX XXXX XXXX Please provide me with the following : Proof that the United States is not obligated to this debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in my state has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

This will also serve as your legal notice under the FDCPA to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
Additionally, under 15 U.S. Code 1681 ( a ) ( b ), I request verification that this debt falls under the category of an " obligation or other security of the United States. '' Compliance with these statutes is necessary to validate your claim.

All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX