23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a summons/lawsuit letter on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates. I requested validation of debt/section 609 of the FCRA requires that Portfolio Recovery Associates provide me with a contract bearing my signature and to please forward me all signed documentation on this account and verifiable proof of this account belonging to me. I also requested itemization of this account. ( see CFPB complaint : XXXX ) Specifically, Portfolio failed to produce full verification/validation of a debt- at my request, which IS an FDCPA violation. 1. The original creditor XXXX  has responded ( on XX/XX/22 ) this complaint does not belong to them. 2. Failed to produce : Original contract bearing my personal signature/verifiable proof that this account belongs to me. Failed to produce : Itemization of the amount and age of the debt as requested. including : If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate IS in violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. ( which, I am allowed under the FDCPA ). First notice from Portfolio received XX/XX/22 in the form of a summons letter. This inaccurate information must be deleted from my credit file immediately. Contact the credit agencies you have reported it to and remove this information from my credit profile. Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Capital one and was told that If i brought my account current that Id be able to have my account reinstated. On XX/XX/XXXX, I paid the remaining balance of {$99.00} dollars which in return put my account in good standing. On XX/XX/XXXX, I mailed out a goodwill letter asking for forgiveness because I faced financial hardship during the months I couldn't make payment. I lost my job XXXX XXXX XXXX XXXX XXXX that was deathly ill. I ended up losing everything, and suffered from XXXX because of it. Once I got back on my feet I made sure to pay my Capital one bill because they were the only ones who were nice enough to work with me considering my situation. Or so I thought. The representatives were obviously selling me a fairytale story -- saying my account would be reinstated knowing that it wouldn't. After sending my goodwill letter and not hearing anything back from Capital one, I emailed the CEO ( XXXX XXXX ) hoping to get through to someone that could help. I sent the email on XX/XX/XXXX ( Pictures attached ) and haven't heard anything since. They did send me a refund for {$1.00} ( pictures attached ) but didn't bother to respond to a customer who honestly valued their services. 

At this point I've accepted that my account may never be reinstated, so I'm asking Capital one to please remove the late payments from my credit report, so that I'm able to buy a house for my family. Removing the late payments would raise my score drastically. As a person trying to get back on their feet after facing so much turmoil, I ask that you please consider this option.
Product: Debt collection

Dynamics recovery solutions keeps calling my employer and my office asking other employees and my employer about me. My employer and myself have asked them several times not to call and they continue to call. This is against the law and I'd like something to be done.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXXXXXX : XXXX, Account name : # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 have been greatly affected by the incorrect credit score reporting by all XXXX bureaus, XXXX, XXXX and Transunion. It shows that I was past due on an account from XXXX when this is incorrect. I have mailed XXXX letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Clarity Services Inc., a subsidiary of XXXX, for their failure to place a security freeze on my credit report despite my direct request and the submission of proper identification. This failure to act has resulted in my privacy being subjected to potential fraud, and a completely irresponsible disregard for my privacy rights. 

This failure to properly place a security freeze on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission 's ( FTC ) regulations, specifically 15 U.S.C. 1681c-1 ( c ) and 16 C.F.R. 603.2. These provisions require consumer reporting agencies to place a security freeze on a consumer 's credit report within one business day of receiving the proper identification and request from the consumer.

In violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-1 ( d ), Clarity Services Inc. has failed to place a security freeze on my credit report upon my request and the submission of my full name, social security number, a copy of the back and front of my driver 's license, and current address. 

According to 15 U.S.C. 1681c-1 ( a ) ( 1 ), consumers have the right to place a security freeze on their credit report in order to protect against identity theft and fraud. Additionally, 15 U.S.C. 1681c-1 ( d ) states that a consumer reporting agency shall comply with a request for a security freeze within three business days of receiving proper identification. Clarity Services Inc. failed to comply with these provisions of the FCRA, resulting in a violation of my privacy and exposing my personal information to potential fraud. 

Furthermore, the company 's continued unauthorized exposure of my personal information is continuously leading to unauthorized promotional and account review inquiries to my credit report account without my explicit written or oral consent, which is a violation of the FCRA 15 U.S.C. 1681b ( c ) ( 1 ) ( B ), that prohibits credit reporting agencies from releasing consumer credit information for any purpose other than those specified in the FCRA. This failure to place a security freeze on my credit report has resulted in the potential exposure of my personal and sensitive information to fraud. This is a violation of my privacy rights as protected by the FCRA and the FTC regulations. 

Additionally, these violations have hindered my ability to utilize the banking system fairly, exposed me to potential fraud, and stymied my financial success. As such, I request that the Consumer Financial Protection Bureau take action to ensure Clarity Services Inc. is in compliance with the FCRA and that my rights as a consumer are protected. I request that Clarity Services Inc. be held accountable for their failure to comply with the law and that they take immediate action to place a security freeze on my credit report. Additionally, I request that any necessary steps be taken to ensure that my personal and sensitive information is protected against fraud. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged 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 XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I signed up for an Ally Savings account with a promotional link that would give me {$100.00} for making three transfers in three months in a row. I made the transfers in XX/XX/year>, XX/XX/year>, and XX/XX/year>. I reached out to a service representative to confirm that I met the requirement in XX/XX/year>. The rep confirmed that I was eligible to receive the bonus and just needed to wait 30 days. It is now 60 days after said interaction and I have reached out on multiple occasions and this institution has not fulfilled their requirement per the new account sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon meticulous examination, it is abundantly clear that Capital One is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law.

This egregious violation not only questions Capital One 's commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Capital One, especially regarding late payments.

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Capital One was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights.

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Capital One 's failure to meet these obligations further compounds the severity of these violations.

This correspondence serves as an unequivocal notice of Capital One 's egregious violations of federal law. Immediate action is imperative to rectify these infractions, and I expect a comprehensive response detailing the steps Capital One will take to correct these issues.

Thank you for your understanding of the gravity of these issues and your commitment to rectifying these violations promptly.

Done in good faith.
Product: Money transfer, virtual currency, or money service

I transferred money from my bank account to the crypto exchange XXXX. I have recently tried to transfer my crypto to another wallet but XXXX  has locked my account. I gave them all the information that they asked for in order for them to unlock my account. I even submitted my pay stub to show where I got the money to buy the crypto on the exchange. I've been emailing XXXX  for 1 month every day and they will not respond to my emails and they will not unlock my account in order for me to transfer my crypto.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to missing information or disclosures from PayPal. We have tried numerous times to solicit an answer to the following issues to no avail.

1. What should be done when a customer sends a payment through PayPal and notes the incorrect delivery address on their invoice?

For instance, customer " x '' says they want an order delivered to " Y '' address which is their business address but, on the invoice, they put " z '' address which is their home address.

This creates an issue because, especially with regards to large orders a. the merchant can not issue a full refund due to the fact that PayPal takes out transaction fees and does not return them when transactions are refunded. If the merchant refunds the full amount, the merchant is losing the transaction fee that PayPal is keeping.

b. the merchant can not change the delivery address on the invoice afterwards to correspond to the address where the client actually wants the items delivered.

c. If the merchant delivers to the address which the client wants to deliver to but which is NOT on the invoice, the merchant loses seller protection for that order.

d. If the merchant delivers the order to the address which is on the invoice in order to ensure the seller protection, the customer may reject the order, file disputes etc. due to their irritation of where the order was delivered.

Our company needs clear, written guidance for this matter.

2. What should be done if and when an incorrect amount is sent or an any amount is sent by accident?

For instance, customer " x '' intends to send {$12.00} but sends {$1200.00}.

This raises the same issue where, if the merchant gives a full refund, the merchant loses 3 % of the transaction amount and, if the merchant issues a refund which has the transaction fee taken out ( since the merchant did not get this transaction fee in their net payment ) the customer is upset and files disputes etc.

As a seller, we can not return what we did not net ; especially if it was someone else 's mistake.

We have tried numerous times to obtain guidance on this issue directly from PayPal. Please advise.