23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally submit a new complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a debt collection agency, concerning their practices as it pertains to the Fair Debt Collection Practices Act ( FDCPA ). 
Background : My previous complaint was closed by the CFPB without a thorough investigation or consideration of my claims regarding the applicability of the FDCPA to the alleged debts being being addressed for collection. Specifically, the company claims that the collection of fines imposed by the XXXX XXXX XXXX XXXX XXXX XXXX is exempt from the provisions of the FDCPA. However, this interpretation is both misleading and lacks the necessary legal basis. 
Regulatory claims : XXXX. Applicability of the FDCPA : The company contends that the FDCPA does not apply to the collection of court-imposed fines. In fact that this is not supported by a proper legal analysis. The FDCPA broadly encompasses any actions taken to collect a " debt, '' which is defined under 15 U.S.C. 1692a ( 5 ). The assertion that fines collected on behalf of a governmental entity are not subject to the FDCPA has been challenged in legal settings, and the specifics of each case should dictate applicability. The lack of clear evidence that these fines are exempt from the FDCPA must be carefully reviewed. 
XXXX. Lack of Documentation : While XXXX provided a citation related to the alleged violations, they have not sufficiently validated their claims as required under the FDCPA. I have formally requested documentation supporting the legality and legitimacy of the alleged debt, including proof of the authority to collect such fines and the details of any alleged contractual obligation. They have failed to fulfill these requirements, which violates my rights under the FDCPA. 
XXXX. Contractual Validity : XXXX asserts that they have been hired by the county to collect these fines. However, in fact such contract is void under the law. The terms of their contract do not comply with applicable statutory requirements set by law, and therefore the agency lacks the legal standing to pursue this debt collection. Therefore, this assertion further calls into question the validity of their claims and their authority to act on behalf of the county. 
XXXX. Continued Collection Efforts : Despite my requests for validation, XXXX has indicated an intention to continue collection efforts. Such actions without proper verification of the alleged debt contravene the FDCPA as it explicitly protects consumers from being pursued for debts that are not clearly substantiated considering the validity that their contract with the county is in fact rendered void by law.
Product: Checking or savings account

XX/XX/XXXX - Opened a XXXX Savings Account XX/XX/XXXX - XXXX in funding to XXXX from XXXXXXXX XXXX XX/XX/XXXX - XXXX in funding to XXXX  from XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX transfer from XXXX XXXX account to XXXX declined. 

XX/XX/XXXX - XXXX transfer from XXXX XXXX  account to milli declined XX/XX/XXXX - Account Restricted. Unable to withdraw any funds. Receive email from XXXX support saying account restricted. They say to contact customer support through in app chat to resolve. 

XX/XX/XXXX - Contact support via in app chat. They say I will get a response in 1-2 business days. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX- Contact CFPB in an attempt to get access to the funds in my account as no updates are being provided by XXXX of when my account will be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious Inaccurate regarding alleged late payments an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have Never missed a payment on the following account ( 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 ). 
I DEMAND an Immediate and Thorough investigation into these blatant discrepancies within FOUR DAYS, as mandated by the ( FCRA ). You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments FAILURE to furnish such proof within the specified 4-days time frame will lead to my INSISTENCE that these payments be corrected to reflect their accurate. ON TIME STATUS, In rigorous adherence to FCRA SECTION 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and Will NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get a credit builder account
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a letter to Citi Bank by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " CBNA '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " Citi Cards CBNA '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Took out schools, when I couldn't pay the amount they offered no solution, ruined my credit and left me homeless.

I was forced to refinance the loan with a credit union and pay 2x the amount in interest.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2019, I contacted Spotloan on their main number XXXX XXXX XXXX XXXX to schedule a payoff of a loan I had taken for XXXX XX/XX/2019. Before I hung up the phone, I asked the agent if they would be taking the monies from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2019, I received a notice from XXXX XXXX XXXX XXXX that Spotloan had tried to take the money from this account, and that they are charging me {$29.00} for non-sufficient funds. I contacted Spotloan on XXXX XX/XX/2019 to find out why. They told me that they would call me back, and never received a phone call. I called Spotloan on XXXX XX/XX/2019 to figure out what happened. First the agent tells me that my phone isn't receiving incoming calls, but I never received a call, and I have no need to block them. Then the agent got my information to verify. They put me on hold to review the account. After a couples of minutes, the agent came back on to say that they reviewed the call and they wouldn't help me because I didn't specify the difference in banks. The agent told me that the bank on file and the bank I wanted the money to come from were the same because they were both credit unions. The agent stated that since I didn't specify the bank that they will not help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In XXXX of XXXX XXXX with Account Recovery Solutions contacted me at work and got through the front desk. I work at XXXX XXXX attorneys office and these calls are not allowed to be solicited. On XX/XX/XXXX she attempted to contact me TWICE within seconds of each call and then contacted my work at the front desk to reach me, after I asked her not to and provided my cell phone was the best means of communication during our first communication. This is harassment and completely unacceptable. Account Recovery Solutions was notified by Progressive Debt Relief that I am working with a debt relief program and they sent over the power of attorney paperwork. XXXX has also continuously contacted me by phone and calls repeatedly back to back. This is harassment and illegal to contact the place of work when she had attempted to call me minutes prior. I am a full time employee and if I dont answer my phone or contact the company back within my working hours, it is harassment to continuously try within so many minutes. This is inappropriate and unacceptable behavior.
Product: Checking or savings account

On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number. 
After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX  and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.
Product: Credit reporting or other personal consumer reports

I am receiving derogatory marks on my credit report from Kikoff. The company is reporting a balance owed to them when I have never used a credit card with them. I feel very mislead as I reached out to the company for credit repair thinking that it was a $ XXXX program to monitor credit and offer tips on how to build it. After finding out that their services were not what I was looking for, I decided to unenroll from the program. Now they are unfairly reporting a balance due to credit bureaus and indicating that I am past due on these payments. This is unethical and incredibly inaccurate information. I need this corrected immediately as I have never used a credit card with them nor have I accrued a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian failed to provided any copies of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Experian failed to delete the UNVERIFIED items. 
XXXX XXXX XXXX XXXXXXXX -- 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  -- XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I received a letter from Barclays regarding a card called XXXX, alerting me that there was an issue with my card/account and I should contact the company immediately. 

I never signed up for such a card, nor do a possess a physical card by that name with the account number ending in XXXX. I sent Barclays a letter dated XX/XX/2019 letting them know that I never signed up for their XXXX card and that I suspected my information was illegally transferred from a previous account I had through XXXX XXXX/Barclays. XXXX changed service providers and that account was closed. In my letter I stated that I would be submitting a complaint to CFPB if they did not send me something in writing saying that this fraudulent account would cease and desist. 

Barclays has continued to send me letters about this account and also continued to make claims that I did not pay an annual fee for the card. I recently received such a letter dated XX/XX/2019. 

I am concerned that this fraudulent activity being committed by Barclays may be negatively affecting my credit. They are impossible to speak with by phone as their agents seemed to be trained on how to continue with company endorsed fraud. Please help.
Product: Vehicle loan or lease

On my credit report it states that my last payment for the vehicle was XX/XX/XXXX... yet it states the date of loan was closed on XX/XX/XXXX ... .its with Santander . I didn't have a job nor money to make a payment in XXXX. I believe this could be an attempt to hold the loan longer than necessary. I would like to request a look into there practice and confirmation from them verify when exact last payment was made. This is hurting my credit longer than the 7 year period. As I have been making attempts to fix my credit as my situation has improved, and. While paying off the account would not help, this account should fall off sooner than they are reporting. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out disputes to XXXX, experian and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XXXX was a generic letter telling me to contact the creditor from XXXX XXXX removed two inquires but nothing else on the others, experian sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
Product: Credit reporting or other personal consumer reports

My account with the DEPT OF EDUCATIONXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 2020 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.

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

I have requested proof that this information was mailed or delivered 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

Dear Sir/Madam, I am writing to address the erroneous reporting of accounts in my consumer report. I want to emphasize that I never provided written consent for the inclusion of these accounts. Consequently, I firmly believe that my rights under 15 USC 1681b have been violated. This breach pertains to safeguarding consumer information and the necessity of obtaining consent before its reporting. 

I have previously lodged a complaint with the Federal Trade Commission ( FTC ) and have been allocated a reference number : XXXX. Despite my efforts to have these items removed from my report, I have received unsolicited documents from the creditor, indicating a lack of cooperation. My grievance is specifically directed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are obligated to swiftly block the reporting of any information that consumers identify as originating from suspected identity theft. I respectfully urge you to adhere to this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Original Creditors : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX I expect these accounts to be removed in accordance with the timeframe mandated by law, no later than four business days following your receipt of this letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.