23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed debt via USPS certified mail with tracking number # XXXX to dispute debt. I do not owe this debt. despite me disputing it, they still reported it to credit bureas on XXXX XXXX ( got Two letters back to back from XXXX XXXX XXXX XXXX Received notification from credit bureaus this week that i have a negative account on there. Called and spoke to XXXX on XX/XX/XXXX around XXXX AM EST but she insists that she is allowed to report it. Per the FDCPA, They can not dispute a disputed debt until they satisfy all components of my dispute. My dispute included for them to Verify debt, verify company, send last billing statement, original contract and all payments made regarding that contract, and to verify that they are a licensed debt collector in michigan. Despite me saying all this, she still said that wont stop them from reporting it ( I.E threatening to report to credit an unverified debt ) Didnt care to take tracking number, sent me to supervisor who did not answer. This company is acting illegally when it comes to collecting/reporting.
Product: Payday loan, title loan, personal loan, or advance loan

Please see attachment. 

Citibank sold my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I was offered to settle for a reduced amount, which I did. 

Citibank filed a cancellation of debt for XXXX  with the IRS. This account is settled and closed. 

It should not continue to be reported to XXXX, XXXX or XXXX. This has been resolved. Citibank has had information deleted in the past. I am simply asking for the same courtesy again.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I have disputed 4 times for the XXXX XXXXXXXX XXXX charge off is shows a balance is not allowed to shows a balance it keeps coming back verified with Experian It sent XXXX XXXX a VOD they did not respond EXPERIAN refuse to investigate the matter again. 
XXXX is a 3rd party medical Collection EXPERIAN say they verified this to them I sent 2 VODs to them they did not respond to me nor did they respond to the other 2 XXXX, XXXX  so they deleted it I have sent them paperwork on it and everything they will not fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in regards to a XXXX account this isn't accurate on my credit report. Experian has violation my rights as a consumer and failed to provide me any validation in regards to the account. They are also reporting a po box on my credit file that I was never affiliated with. I have mailed them a letter certified mail with a tracking number and they are stating that they never received my letter for this dispute which is another violation of my consumer rights. I can provide my tracking number which is through USPS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Mid of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. 
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. 
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? 
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit card or prepaid card

I Consumer Dye did not authorize a consumer credit transaction with between VALOR INTELLIGENT PROCESSING , LLC and myself. VALOR INTELLIGENT PROCESSING , LLC has falsely accused me of entering into a fraudulent contract with their company. VALOR INTELLIGENT PROCESSING , LLC has violated 15 U.S.C. 1692b ( 2 ) of the FDCPA multiple times as well as,15 U.S.C . 1692b ( 5 ) of the FDCPA multiple times. 15 U.S.C. 1692b ( 2 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 U.S.C. 1692b ( 5 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX, reported : XXXX XXXX, XXXX, {$480.00}, Closed/charged-off. 
XXXX XXXX, Reported : XXXX XXXX, XXXX, {$1100.00}, Closed ALCHILDSUPT, Reported : XXXX XXXX, XXXX, {$10000.00}, Closed XXXX, Last reported XX/XX/XXXX, {$840.00}, Charged off XXXX XXXX, Last reported XX/XX/XXXX, {$17000.00} I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

XX/XX/2020 XXXX XXXX contacted my family through a voice mail stating that someone was going to locate me and present me with a claim and I had been notified. I never received any voicemail from anyone I called the phone my family member gave me and was directed to XXXX XXXX. 
They asked if a " locator '' had found me yet and I said no, she said that is good news I can still help. If they had found me they could not help me. 
They proceeded to tell me all this information they have about me and that I needed to make an immediate payment to stop the locator. 
I was terrified so I paid {$180.00}. and set up a payment arrangement without seeing any documents. The woman XXXX XXXX at XXXX XXXX told me I could only see documents IF the locator had given them to me. 

I received a payment arrangement letter from a company called XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ... I XXXX  this address and no such place existed at this location. I did call a XXXX XXXX that showed it was at the address and the man I spoke to said his XXXX  XXXX is at that address and he remembers that company having a mailbox 2 to 3 yrs ago but has not seen anyone since. 

I intend to call and cancel this payment arrangement and ask for my money back Phone numbers I have for this company XXXX XXXX XXXX
Product: Checking or savings account

XXXX bank specifically replied that zelle was to initiate fraud on the account # XXXX, for XXXX XXXX XXXX had you close my request for refund and issues with this matter stating to take it up with zelle. We did this and for the record zelle states that XXXX bank since it was an app through there bank needs to resolve my credit for XXXX. 
XXXX bank is impossible to deal with and reach. Constantly referred to department and department. 
No resolve to this issue and XXXX keeps passing the buck on resolution of this matter for over a year. 
There bank even referred this to check systems after I reported it. UNACCEPTABLE> Please help with resolution
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Product: Checking or savings account

I opened this new business account and fulfilled the requirements for the XXXX dollars bonus. I followed up with the bonus criteria the entire time and was told I was on track only to be denied the bonus when it was time for it to be paid. That was so annoying, and in that state of mind I asked that the account should be closed citing the discrepancy they showed not meeting their part of the agreement. Then I received a message from the bank representative called XXXX on XX/XX/year>, who expressed understanding for my frustration and went ahead to review my account, and wrote that it has been rectified and the bonus of {$300.00} will be paid to my account on XX/XX/year>. He then told me the steps I should take to close the account after I receive the cash bonus. Reading the message that the issue has been rectified, I replied stating my appreciation for resolving the issue and mentioned that I will be keeping the account open, and there would be no need closing it rather they should tell me how to avoid any monthly fees. What happened next shocked me, as I never received the XXXX dollars cash bonus and the account was closed after I wrote it should not be closed. See attached the correspondence where the bank representative said the bonus will be paid on XX/XX/year>.
Product: Credit card

Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXXXXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Checking or savings account

On XX/XX/year> @ XXXX a XXXX XXXX for {$60.00} from XXXX XXXX was sent to my Navy Federal Credit Union Checking account registered to XXXX. I received an email from NFCU stating that they were unable to deposit the money into my account, they returned the money back to XXXX XXXX 's account. Being as though the transaction failed, on XX/XX/year> @ XXXX I sent a money request to XXXX XXXX XXXX account. She accepted the request, and the money was deposited into my account. On XX/XX/year> I tried to login into my online banking app and could not access my account. 
It said that I had to contact them via phone to fix this issue. I received an email @ XXXX saying that my email registered to my XXXX account was deactivated and could not be used to send or receive money. I called NFCU and they informed me that XXXX flagged my account for suspicious activity and due to that my account is closed indefinitely. I appealed the decision and was denied.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I submitted the final payment to the Upgrade Loan Company to payoff an installment loan. The payment was for {$460.00} for the outstanding balance. The original loan for {$2500.00} was paid in full. 

On XX/XX/2021, Upgrade charged my checking account an additional {$100.00} for the loan. Upon making contact with Upgrade 's customer service center, I was advised that they had no record of the deduction and that I should contact my bank for verification. They were advised that the deduction was made by Upgrade and documented in my account. Upgrade requested that I provide them with a copy of my checking account statement showing the aforementioned deduction.

It should be noted that there are no options to provide such documentation of the Upgrade website. 

I have requested the return of the excess {$100.00} to no avail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 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. XXXX XXXX XXXX  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, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me XXXX COLLECTION SERVIC XXXX The account does not belong to me XXXX XXXXXXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXXXXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an 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 XXXX 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, credit repair services, or other personal consumer reports

I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. 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 In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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
Product: Credit reporting or other personal consumer reports

On the first due date of my purchase, I made an online payment for my account via phone, then subsequently set up auto-pay via the online portal. Both of which I was told went through successfully. However, after noticing that the payment did not go through, I contacted your customer service department, and a representative informed me that the issue was on Honda Financial Services end. The representative assured me that the late fees would be waived and apologized for the inconvenience. Upon going back into my account, it appears as a payment reversal. 
Despite this, the issue persisted, and I made a third attempt to resolve the payment problem. At that time, the agent recommended I use a credit card instead, as their system was having trouble processing my payment via banking information. I assure you that this was not due to a lack of funds in the account, as the payment is relatively insignificant. Unfortunately, despite my best efforts to resolve this situation, a late payment mark was still added to my credit report. 
Since the failed payments were due to technical difficulties on Honda Financial Services end, I kindly request that the late payment mark be removed from my credit report as it does not accurately reflect my payment history or my commitment to meeting my financial obligations in a timely manner. I would greatly appreciate your prompt assistance in this matter. Please confirm the removal of the late payment mark at your earliest convenience. Should you require any further information, feel free to contact me via email or phone. 

I have filed these complaints with the XXXX  multiple times now with zero success. I will take legal action if this is not resolved before the end of XXXX.
Product: Checking or savings account

DAVE Inc. keeps taking money from my checking account even though I dont have any business with them. When I attempt to call because I dont have a valid card number I cant reach anyone. I get no response from their customer service support online I keep having to dispute the charges with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom  It May C oncern, I have an account with  XXXX   XXXX    XXXX    ( Federal ) I  recently had an informative phone conversation with a representative 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    2015, ove r 60 days after I had a payment due. As a result, the late payment was reported to m y credit score.      On top of that, my email and phone number were not updated with  XXXX  Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).