23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Two years ago I was making payments to XXXX XXXX XXXX. I made four payments of {$XXXX} each. Shortly after the fourth payment, I was informed that my account was sent to collections regardless of my good standings Medicredit called and was attempting to collect the debt and I attempted to dispute it. I contact a lawyer with XXXX XXXX XXXX and they sent a letter on my behalf XX/XX/XXXX. I did not hear anything from Medicredit for two years. 

Last month, XX/XX/XXXX, they tried to call and said they were going to take legal actions if I didnt pay. But, they wouldnt tell me how much the debt was, where it came from and they refused to send me a written notice of the debt. I have a phone call recording that shows me asking for the written collection notice and it has been 5 weeks with no response. 

I have tried to figure out this debt collection with no answer or help from Medicredit nor has my lawyers office heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/20.
Product: Debt collection

BofA did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). BofA did not disclose that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. BofA agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to BofA by my signature/ autograph transmitted to BofA pursuant to UCC 3-419. The actions of BofA have been and continue to be false and misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). BofA has no interest and is not on the original contract.

BofA actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly indorsed, and you have not released the credit due me.
Product: Debt collection

I sent letter in the mail for debt validation been 3 months and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is furnishing inaccurate information related to 2 closed accounts. Here are three specific issues : 1 ) Capital One responded to previous complaint on 9/25, but did not provide any information related to my Savings Account.

2 ) I understand that Capital One can close an account for whatever reason they want but they have not addressed the Closure Status of the Account. It currently says 'Closed for Cause ' Savings account was not used with no transcations the in the last 4 months. Checking account was hardely used at all.

3 ) These are personal accounts not business accounts. Referring to this as a business checking is not correct. This is affecting the accuracy of my report as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in XXXXection 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Debt collection

I entered into a contract with Clear One Advantage ( COA ) in XXXX of XXXX. The 1st draft was XX/XX/XXXX. Based on the documentation I provided COA had me sign an agreement to settle my debt with with 53 payments in the amount of {$970.00} @ month. To date I have missed zero payments, despite being accused of missing payments. As of XXXX, XXXX, XXXX, I've made 49 payments. During the course of this time I have continually had negative information reported to the credit bureaus. Every company that was accepted into the program was allegedly companies they've worked with before and as a result assured they could settle for well below the amount owed. 3 out of 4 companies have been closed however in XX/XX/XXXX they stated that 2 of the companies settled for MORE than anticipated, this was never mentioned before or updated in the system. Now this again with the 4 and final company. In XXXX of XXXX I requested a payoff amount and nothing was provided regarding my request. According to my original documentation my agreement will be paid in full and settled in XX/XX/XXXX. However without my knowledge or consent they've extended the draft that they plan to take from my account for an additional 8 months past the agreed upon agreement. This is not acceptable and it is far beyond any reasonable approximation. Not to mention the money and expenses I've had to spend due to the impact using this company has been on credit. The fees charged for EACH account are usury in addition to a monthly administrative fee for approximately {$9.00} that at the end of 53 payment will be almost {$500.00} alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom  It May Concern,  I have an account with  XXXX   Student Loans ( Federal ) I recently had an informative phone conversation with a represent ative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX   XXXX   over 60 days after I had a payment due. As a result, the late payment was reported to my   credit score.
On top of that, my email and phone number were not update  d with  XXXX  Thus, I was not receiving any communication.  ( I have since updated both my phone number and email address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER XXXX XXXXXXXX XXXX EMPLOYER : XXXX Addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Hello, I received an offer from American Express XXXX AMEX ) to apply for the Platinum Card, which is {$450.00} a year. As part of this offer, they promised XXXX bonus points, if I charge {$20000.00} within the first three months. I accepted this offer and received the card. 

After receiving the card, I asked about this points offer, and they told me that I would not be getting it, as I 've had an AMEX Platinum in the past. Never during any of the application process was I notified of this, nor is it a stated condition on their website. AMEX imposed this condition *after* I had accepted their offer, and tolerated a hard credit pull.
AMEX must honor the offers that they make. Businesses can not make an offer, have it accepted, then reneg. This is flatly against the XXXX, and is probably illegal. 

If I had not noticed this issue, and proceeded, I would have been out {$450.00}, plus another {$600.00} or so from points I would not have received from another card. So I was on the hook for about {$1000.00}, if AMEX were to get away with this. 

They have offered no remedy at this point.
Product: Credit card

I made a purchase on XX/XX/XXXXXXXX The merchant messaged me at around XXXX that their truck broke down and that they were delivering later that night. I emailed them back that I was already in bed to deliver the next day. They responded and apologized for the delay. 

To my surprise, when I saw an email sent at around XXXX the next morning when I woke up letting me know that the items have been left at my door. There was nothing at my door when I looked at around XXXX. I immediately messaged the merchant. They did not respond. 

I filed a dispute with Sears XXXX. I followed up 30 days later, I was told that they were still working on it- to give it 60 - 90 days for resolution. I just logged into my account and noticed there was a letter dated XX/XX/XXXXXXXX  to let me know that they have closed my dispute because " I didn't respond to their inquiries ''. Which wasn't true. Nothing was sent to me. 
I reached out to them and I was rudely told that my dispute had been closed. This is not the first time they'll do this either. They're not very helpful when it comes to helping card holders.
Product: Debt collection

In XXXX I had a credit card with navy federal, but also I had a policy insurance of {$12000.00} with them ( through XXXX XXXX XXXX affiliated with Navy Federal ) to cover me in case I become unemployed or sick When I lost my job XXXX and became unemployed they denied my claim to cover me during the hard times hence I couldnt pay my credit card for quite sometimes.

The debt became overdue then they closed the account and marked charges off on my credit. From XXXX to XXXX I maintained a record with navy I was paying on time, even though I owed a lot than the policy can cover I deserved to be covered no matter.

I believe discriminated based of my origin and ethnicity hence my claim was denied, they charged me a premium for the insurance since XXXX there so they shouldnt deny my claim. 
Plus it was right after the Covid-19 pandemic everyone knows how it was difficult to get a job.


Navy federal sold a debt to a 3rd party, I dont know the new creditor they never contacted me ( which is illegal I never had opportunity to excise my rights ). The new creditor is working with court officials and collections agency behind my back so they can messed up my credit report. I will attach documentation and statements to clarify my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My fortitude is really sinking at the moment. My request has been deserted again and again. I have done this thing for how many months now? Sending dispute letters, submitting complaints to the bureaus, and here at the CFPB but still no one looks to care! What else do you need me to do for you to take action on my dispute? You keep disregarding my requests and letting this fraudulent account distress my credit score. This fraudulent item should be REMOVED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website, and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to acquire credit and it is affecting me too much emotional and financial distress because of this account that does not belong to me which is reported mistakenly. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance $ XXXX Late Dates XXXX
Product: Payday loan, title loan, or personal loan

My HEL account has been closed for year but Bank Of America never filed a Satisfaction of Mortgage. Ive been calling and calling and now Im having a problem closing on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Product: Debt collection

XX/XX/2022 Security Credit Services, acting as a collection agency for XXXX XXXX, XXXX reported me to the credit bureaus as owing {$760.00}. I do not know who Security Credit Services and XXXX XXXX, XXXX are, and have never done business with them, and do not owed {$760.00}. 

XX/XX/2022. I submitted a dispute of their claim to all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Chase Bank regarding a missing international wire transfer of approximately {$38000.00} USD that was sent to my Chase account. 

Details of the Issue : On XX/XX/XXXX, a global payment was initiated to my Chase account. The sending bank confirmed that the funds were successfully sent to Chase on XX/XX/XXXX. They provided a transaction number ( XXXX ) for tracking the payment and confirmed that the account number provided was correct.

Despite this, it has been over two weeks, and I have not received the funds in my Chase account. I have contacted Chase Bank over five times regarding this issue, seeking assistance and clarification on the whereabouts of my funds. Unfortunately, I have not received any helpful information or resolution from Chase. In fact, during one of my attempts to resolve this, my call was abruptly disconnected by a Chase representative.
Product: Payday loan, title loan, personal loan, or advance loan

my account was withdrawn the amount of XXXX which was suppose to be every other payday, the loan was approved on the XX/XX/2023 and next pay period is suppose to be on the XX/XX/2023, they withdrawn on the XX/XX/2023 which was one week later. 

documents upload was previous loans and shows payment dates every two weeks from effective date. 

# XXXX # XXXX both paid in full the next pay period they need to be investigate this was not a mistake.
Product: Credit card or prepaid card

In XX/XX/2022XXXX XXXX XXXXXXXX XXXX XXXX changed the terms of credit without notice. They drastically reduced credit limits across the board to your at the time balance which my balance was {$110.00}. My credit limit prior to this change was {$750.00}. This reduction has significant impact to my credit report and score because this skyrockets my credit utilization to 100 %. It was only until after they had already implemented this change that they sent out a notice to us. My account has always been in good standing, with no late payments ever so they had no reason to reduce my credit limit whatsoever. This is bad business practice that shouldn't be allowed.
Product: Payday loan, title loan, or personal loan

Affirm was financing, at 0 % my XXXX tread. On XX/XX/XXXX the tread was picked up by XXXX according to their recall process. On XX/XX/XXXX affirm issued a partial refund back to my bank account where payments were debited from. When I did not receive a full refund I checked their FAQs and found that any payment made greater than 180 days ago would be issued by check. It did not quote a timeframe so I tried to find a phone number to contact them with my address change, and get an eta for the check. There was no phone number and when I tried to utilize their online portal, it just kept looping to canned responses about waiting for my refund. I had to comment via social media to get their attention. I was contacted via XXXX on instagram. I had several conversations there, and since I was provided a phone number, I also contacted them to change my address. Then again to inquire about the status of my refund when I did not receive it timely. I will attach screenshots of our conversations.
Product: Student loan

My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.
Product: Credit reporting or other personal consumer reports

Your company Experian is furnishing inaccurate and incorrect information to the consumer report. The report of such inaccurate information has cause severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/2022 and noticed that my whole Self tradeline account has been removed from my credit report of XXXX, XXXX, and XXXX. In Self 's  XXXX XXXX XXXX complaint case number XXXX reply, Self stated that the tradeline was removed due to a request being sent to remove the tradeline from my credit report, but I never requested for the whole tradeline account to be removed. In CFPB Complaint Case Number XXXX, XXXX stated that an investigation was initiated due to the Self Financial/ Lead Bank account being furnished fraudulently, and in response Self deleted the tradeline account from my credit report. I understand that confusion was present during this investigation concerning this matter. I never stated that this account was furnished due to fraud or that the account itself was fraudulent. I requested that all late payments that are on the tradeline to be deleted and updated to paid as agreed and a deletion of those late payments, not the tradeline account, be submitted to all credit reporting agencies.