23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call in XX/XX/XXXX from a company called Summitt Receivables. They are a debt collector hired by XXXX. Despite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of XXXX for a debt that was XXXX. I agreed to pay back the amount of XXXX in 3  installments of XXXX. I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was XXXX. I called the company to inquire about this and was directed to a man named XXXX. He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the " XXXX XXXX. '' He wanted to know who signed the letter and I said it was only signed Summitt Receivables but it was sent by XXXX XXXX. He then forwarded my call to XXXX XXXX. XXXX XXXX was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took XXXX. She said it 's not valid and you have to make payments in the amount of XXXX. I said I could n't afford that, especially in the summer months as I am a XXXX and do n't get paid in those months. She accused me of bouncing a check to XXXX and threatened that I may very well be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called XXXX and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this XXXX XXXX uses often. This is a horrible company and should be shut down. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX  XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus .

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

The Original Account belongs to XXXX & XXXX I never used the service. they started billing me even i refused to start the service. i returned the phones because the company XXXX XXXX XXXX mailed me after misrepresentation. It was afraid from the company representative who met me in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  The phone 2 in quantity never opened or used. those were returned and accepted by the company. I call the customer service XXXX i was told you wont be paying anything. They took another {$82.00} which is still not returned. they send me notice for paying {$280.00}. I never owe the amount i never used the service, i returned the phones because XXXX rep tried to sell me with misrepresentation. Now they send my account to collection agency who calls me and threats me. i have excellent credit. XXXX has damaged my credit and reputation. please take action against the XXXX and Collection agency Thanks XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

In XXXX of 2017, I financed a XXXX through " Care Credit ''. I was told this was a special card to help cover medical expenses. I was told the balance would be divided up into the number of months within the promotional period ( in my case I requested 24 months ) and that as long as the payments were made on time, and no other charges were made, the balance would be paid by the end of the 2 years and no interest would be charged. As soon as I opened the card I registered for an online account so that I could set up auto pay so there would be no risk of violating the rules of the promotion. I also signed up for email alerts so I would receive notification that a payment was due and that payment was made. This month, when I received notice that payment was due, I realized I had already made 25 payments so the balance should have been cleared by now. I logged into my account and found that I somehow still had a {$12000.00} despite already having paid back the {$10000.00} that I had originally financed. I started looking through all the online statements ( which I had not been looking at since I had set up auto pay and was not charging any additional purchases to the card ) and I noticed that I had been charged a {$160.00} " security service fee '' every month. I don't know what this service is and I certainly never authorized it. I would have no need for any additional security services on a card which was opened only used to finance a single charge. 

Since {$160.00} of my monthly payments were going towards this fee, and not the balance, after the 24 months, I still carried a balance and therefore seem to have been disqualified from the promotion. The monthly statements are so vague it's impossible for me to understand how the current balance is possible. I see no explanation of the promotion rules, the promotion period or of the additional service charge. 

This is a scam designed to disqualify anyone from actually receiving the advertised promotion and causing even a consumer who has never made a late payment to be penalized with an absurdly high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. Russell v. Stephens, 191 Wash. 314, 71 P.2d 30, 31. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. Abdallah , Inc. v. Martin, 242 Minn. 416, 65 N.W.2d 641, 644. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit reporting agency after attaining my credit report and seeing inquiries that I did not authorize. I did send a letter to the reporting agencies to no avail. They have been non respondent in my attempts to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

please send me proof and a signed contract, this is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX XXXX XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Called experian about a dispute that was open unbeknownst to me. Agent became angry and sat on the phone for XXXX plus minutes after running me in circles. I'm currently on the phone and will end the call at XXXX edt if I'm not disconnected by agent. Who I requested to contact creditor and request for them to update my account details balance and payment history
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMEX, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that AMEX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for AMEX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that AMEX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMEX into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that AMEX will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ), along with my signature ) served as a financial asset, promissory note and security ( registered, fixed income, marketable ) which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtedness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice, if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full forensic audit of the accounts. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Notes/Floating Rate Notes is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( c ) and you assume civil liability pursuant to 15 U.S Code 1691 ( k ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned laws, statutes and codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my accounts. You meaning TOYOTA FINANCIAL SERVICES, TOYOTA MOTOR CREDIT CORPORATION and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding errors on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found inconsistencies related to the reporting of charge-off dates for two separate accounts. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Charge-Off Date : [ State the incorrect date reported ] These errors are inaccurate and misleading, causing harm to my creditworthiness. Under the FCRA, I have the right to an accurate credit report, and these discrepancies warrant immediate correction. 

I have taken steps to dispute these errors directly with the credit reporting agencies and the creditors involved, but I have not received adequate resolution. Enclosed are copies of my credit report highlighting the errors, along with any correspondence related to my dispute. 

Charge off dates are inaccurate between the two credit companies. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies and creditors comply with federal law. The charge-off dates must be accurately reflected, or the information should be removed from my credit report if it can not be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Product: Credit card

On XX/XX/2023, I used my Capital One Mastercard to make a purchase on the XXXX XXXX from a seller that accepts payment through XXXX. 

When I went online today to make my monthly Capital One payment ( following the deposit of my Social Security XXXX Income ), I found what I believed to be an incorrect assessment of a {$10.00} " cash advance fee ''. 

I called Capital One for clarification, and was informed that any purchases through XXXX are considered a " cash advance '' and- in addition to the {$10.00} fee ( or 3 % of the amount, whichever is the greater ) - an interest rate in excess of 30 % would apply, which continues to accrue until the cash advance is paid. 

When I asked if there was an avenue to specifically pay the " cash advance '' amount, I was told there was no way to do so except to pay off the entire credit card balance of {$4900.00} ( out of a {$5000.00} limit ) .. and that the 30 % + interest would also be charged and continue to accrue ON THE {$10.00} CASH ADVANCE FEE itself! 

I requested to speak with a supervisor, and asked that - as I subsist on a social security XXXX income - perhaps Capital One might extend a one-time compassionate consideration and at least waive the {$10.00} cash advance fee ( since I was unaware that processing a Capital One charge through XXXX was considered a " cash advance '', nor that I would incur such outrageous fees and interest charge ), I was advised that they " had no way '' to do so, and was summarily dismissed. 

I will never again use my Capital One credit card for ANYTHING " cash-advance '' related, and will do everything within my ability to pay down the entire balance without incurring any further charges, and ultimately reserve this account solely for emergency situations, or close it altogether.
Product: Credit card

1st I called them as to why I wasnt getting any statements in XXXX of 2023 and the told me I was paid off I said that wasnt true I still owed approx XXXX. They would not allow any payments. I was no longer getting any statements. About 4 months later Bloomingdales reported me to the credit bureau without every resolving the problem or sending statements. As far as theyll were concern, I didnt owe anything. I wasnt too happy about it, complained and they denied everything. I was later allowed to start paying the money that I owed. I was bothered that they reported me after not allowing me to pay what I owed, in the 1 st place. so I closed the account. I am paying with a current balance of {$5300.00}. Last week out of nowhere the added {$5000.00} and cant give me an explanation as to why my balance is now {$10000.00}.