23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear BANK OF AMERICA , This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Debt collection

In the beginning of XXXX and XXXX I sent two certified letters disputing this account. The first one I didnt get a response to. However, on the second one I received mail from the company stating that they validated the debit and enclosed I could find a copy of the contract that I signed. The contract didnt belong to me it actually had someone else name on it a man who didnt even live in my city and town. This has caused me to be turned down from trying to purchase a home Ive disputed this account since the beginning Ive sent letters to them and the credit bureau for them to remove this from my credit file and they wont this is unfair and should be resolved immediately
Product: Credit reporting or other personal consumer reports

I am requesting that Westlake discontinue furnishing information for account WESTLAKE XXXX due to the account being over 7 years old. XXXX is also reporting the account as " unrated or bankruptcy '' which is further hurting my credit rating. This account was never a bankruptcy account and the Date last active as well as the close date was XXXX. I am requesting that this account be removed within 21 days due to FCRA violations and negligence. At this time, I will not be seeking litigation, but I will be moving forward with small claims court if this incorrect reporting is not updated.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Complaint Against XXXX XXXX XXXX XXXX for Deceptive Lending Practices To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX, which is offering what it claims to be a " Business Line of Credit '' but appears to be structured as a high-cost predatory loan that may violate California lending laws and federal consumer protection laws.

I contacted the lender to ask for better terms or a modification and I was refused.

Upon reviewing their loan disclosure document, I have identified multiple deceptive and potentially unlawful elements : 1. Excessively High APR ( Predatory Lending ) o The disclosed Annual Percentage Rate ( APR ) is 73.18 %, with an interest rate of 70.0 %.

o This is exorbitantly high compared to standard business
lines of credit, which typically range from 10-30 % APR.

o The finance charge alone is {$39000.00} on a {$53000.00} loan, which raises serious concerns about unfair lending practices.

2. Misrepresentation as a " Business Line of Credit '' o Traditional lines of credit allow flexible repayments and charge interest only on the amount borrowed.

o However, this product functions more like a term loan with fixed high-cost payments, misleading borrowers into believing they are receiving a revolving credit facility.

o The draw period is described as indefinite, yet the structure suggests a fixed-term 18-month repayment plan with large monthly payments ( {$5100.00} ). 
3. Potential Violations of California & Federal Lending Laws o Unfair and Deceptive Practices ( California Business & Professions Code 17200 ) The product is advertised as a business line of credit, but the fixed payment structure and high fees resemble a merchant cash advance loan, which could mislead borrowers.

The high APR may violate California usury laws, depending on licensing status and exemptions.

o Truth in Lending Act ( TILA ) Violations The disclosure fails to clearly explain whether early repayment reduces the finance charge or if it is precomputed.

The prepayment section is vague, leaving room for potential hidden penalties. 
o Potential Violation of the California Financing Law ( CFL ) If XXXX XXXX is not properly licensed under the CFL, this loan may be illegally structured under California law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius global XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. code 1666 ( b ) under the billing error category ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late- a sign of invoicing error- therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " Paid as agreed '' 15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open credit plan as late and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been placed in a lower band level due to Equifax drastically dropping my score. I recently got approved for a new credit line. About 45 points was taking as a result of this. This isn't the first time I have experience a drastic drop in my credit score with Equifax. How do you come up with how many points should be taking and what constitutes it? 
I am being discriminated against. This is defamation of character. This has ruined my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a totalled vehicle ( XXXX XXXX XXXX  ) claim paid by XXXX   XXXX  on XX/XX/XXXX, gap insurance company failed to complete processing of the remaining balance ( {$3700.00} ) with auto loan company ( Ally Financial Acct # XXXX ). While attempting to secure a mortgage in XX/XX/XXXX I discovered that the account had not been resolved resulting in two slow pays in XXXX ( a 30 and a 60 day ). This was after no contact or attempts to collect the remaining balance of the loan to my knowledge, including no additional monthly payments, from XX/XX/XXXX. I contacted them in XX/XX/XXXX and was able to complete follow up and secure payment from GAP insurance claim ( policy number XXXX ) even though original company ( XXXX XXXX ) had turned the claim over to XXXX. When the funds ( {$2700.00} ), from gap ) were received by Ally in XXXX ( XXXX ) of XXXX, Ally refused to removed slow pays from account basically saying it was not their problem so they would not work with me even after additional review. In addition there were several confusing financial adjustments ( attached in Ally account summary ) on the day that payment was processed from XXXX.
Product: Checking or savings account

I contacted my bank to find out why a cancelled transaction of {$28.00} from a retailer had not been re-applied to my checking account. The agent to which I spoke told me my bank had not yet received the refund. When I then contacted the retailer, I discovered from them that they had immediately sent the refund authorization to the bank, and that the bank was holding the refund from my account, while often not admitting that fact to the account holder. 
Upon recontacting the bank I let them know what the retailer revealed and thereby forced them to admit their 'customer service ' had lied about not receiving the refund. 
However, the bank representative held firm on holding up my refund for up to 7 days before returning it to my account. 
Why are banks allowed to hold up funds owed to me and also allowed to lie about that fact?
Product: Credit reporting or other personal consumer reports

On XXXX I received notification from XXXX that a collection was added to my credit file. Upon checking it showed an account by a collection agency called XXXX XXXX XXXX The information contained in this account is not anything that I am familiar with. I have never received communication from XXXX XXXX XXXX in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, XXXX XXXX XXXX proceeded to then add it to my Transunion credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to XXXX, Transunion and XXXX XXXX weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, XXXX, Experian and XXXX to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against Experian that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that XXXX, Experian and XXXX place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.
Product: Debt collection

I first contacted XXXX XXXX company regarding my move and asked if they could turn off the gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the bill to their name. I was under the impression that the current residents did such thing as I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that i did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that i called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time period. Pleas remove All credit and financial obligations as I did not reside at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and informed the company that DID NOT and DO NOT live at the property.
Product: Checking or savings account

I contacted Wells Fargo on XXXX XXXX because the agent told me they had the overdraft is enabled and it allows transactions to go through and Ive been charged {$35.00} over 5 times. 

XXXX XXXX - XXXX overdraft fees XXXX XXXX - XXXX overdraft fees I asked Wells Fargo to stop allowing transactions because theyre profiting off the overdraft fees and never allowed them to approve these transactions if theres no funds inside the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiries on my credit report, XXXX ( XXXX ) to be exact. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard enquiries on XXXX that need removed are the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In accordance with the Fair Credit Reporting act. The list above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602A. Statesi have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 otheradverseitem of information, other than records of convictions of crimes whichantedates thereportby more than seven ( 7 ) 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there are multiple errors. According to FCRA these items should be removed if innacurate
Product: Debt collection

A company by the name of Integrated Services contacted me as soon as I asked them to put me on a do not call list the caller referred to me as a " XXXX '' After telling them to not call me again I hung up thinking I was done. I later received a recorded message on my voice mail from the same company saying they were looking for my ex wife. I called them back and informed them I did n't know how to get a hold of them and to stop calling me. They instantly became belligerent, so I hung up and filed this report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account and they are reporting late payments for XX/XX/2024 According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This a
ccount is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. 
" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Student loan

I made my first payment to Nelnet in XXXX, XXXX. To get ahead of the curve, I did a large payment of {$3000.00}. Since then, I have been paying roughly {$300.00} every month, which is a little bit more than my monthly payment. 

Due to the first bulk payment, all of my loan group payment due dates were pushed up considerably. I kept paying since this doesn't stop interest from accruing. I always chose the " account payment '' option rather than the " pay by group '' option as I figured Nelnet would distribute the money in the most reasonable manner to pay off the loans across the various loan groups and their respective interest rates. 

My last payment ( XX/XX/XXXX ), I noticed that suddenly my {$300.00} went completely to interest. I found this highly suspect and called the company. According to a representative, a Dept. of Education policy change in XXXX dictated that early payments would always go to the loan group with the highest interest rate if the " account payment '' option was chosen. Therefore, until the pushed up due date from my original bulk payment was finally reached, all of my payments were only going to one loan group ( since roughly XX/XX/XXXX ). 

While this sounds nice on paper, I don't know if this actually would help me, and I may have in fact lost money due to the accruing interest on the other loan groups that Nelnet didn't even distribute ANY money to over this period. While they allegedly were following DOE policy, I was never informed of this policy change by email or on the Nelnet website. I would NOT have continued to choose the " pay by account '' option had I known this is how my money would be distributed. 

I feel as though Nelnet ( or any student loan collection agency ) must be liable for notifying borrowers for any change in payment policies. I don't understand how I was supposed to be aware of a minor policy change that affects such a specific group of people if my lender/collector didn't notify me.