23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

[ Rod ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt Collectors Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : 1. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision.

2. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect.

3. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately. 


Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : 1. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies.

2. Correction of Credit Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks.

3. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account. 

I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX
Product: Debt collection

tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies
Product: Debt collection

I don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019 to XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

-XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I made two payments of {$8400.00} from my XXXX XXXX business checking account ending with XXXX respectively on XX/XX/XXXX, and XX/XX/XXXX. 
1. The {$8400.00} payment on XX/XX/XXXX failed and the money was returned to my XXXX XXXX checking account. 
2. The {$8400.00} payment on XX/XX/XXXX was successful, XXXX XXXX payment confirmation ( attached here ) shows that the money was successfully paid to American Express. However, American Express did not credit this payment to my American Express credit card, the payment activities ( as of XX/XX/XXXX ) in the online Payment Center of American Express ( attached here ) show that this payment failed and was returned. 
3. Based on the wrong records of American Express online Payment Center showing that the {$8400.00} payment on XX/XX/XXXX failed, American Express marked my credit card account as past due, repeatedly hired different collection agencies to harass me ( which had caused severe emotional damages to me ), and added delinquency record to my credit profile. 
4. On XX/XX/XXXX, American Express sent me fraud monthly statements showing that they did credit the {$8400.00} payment on XX/XX/XXXX to my credit card, which conflicted with the payment activities I got from American Express online Payment Center on XX/XX/XXXX. Also, American Express did not affirm whether they sent me the monthly statements in the year XXXX, and did not affirm whether the monthly statements they provided on XX/XX/XXXX were exactly the same they provided to me in the year XXXX ( if they did ). 
Therefore, I hope the CFPB to penalize American Express for providing fraudulent monthly statements, wrongly missing my payment, harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Product: Mortgage

I am Unable to log in to their website to make a payment ( XXXX ) Tried to call support on XXXX and XXXX and never get to talk to a Human. The automated system does not recognize my loan number or social security number, so I am not able to go further in the process to make a payment. I also sent a email and have not heard back yet either. Payment is due on the 1st and it is very frustrating that I am unable to to get ahold of the company to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card or prepaid card

I filed a complaint with your office several weeks ago for the second time this is the third complaint on the same problem. last complaint file # XXXX they promised to once again activate my venture card if I send them personal information which I have done now 17 different times. read the last response they sent to you, that you sent back to me. it says to fax them over a copy of both sides of my driver license, social security card, and a utility bill for past 60 days. I did all of this via XXXX XXXX XXXX  company on XX/XX/2020 at XXXX e.s.t.and got a fax return confirmation from XXXX.the letter said my card would be activated up to 7-10 buisness days. well today is 10 buisness days and my card once again is not activated. I been telling you that they keep taking my personal information and not activating the card. WHAT IS GOING ON!!!! I DEMAND THIS BE INVESTIGATED.
Product: Credit card or prepaid card

I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late payment.
Product: Mortgage

Your questions do not apply! XX/XX/XXXX last year I had a fire at my home, in XXXX XXXX, at XXXX XXXX. While in the XXXX, XXXX XXXX sent a group of XXXXXXXX XXXX, off XXXX XXXX XXXX, XXXX XXXX. This company did not have employees and contacted XXXX XXXX XXXX XXXXXXXX. They had No employees, so they picked a band of XXXX unsupervised XXXX, not bonded, and they destroyed my home. 

The water from the fire department was left to warp all the wood floors and created mold. 
XXXX XXXX sent the checks to repair the home. Shellpoint is a wantabe Bank/Collection company. The mortgage was with XXXX and XXXX sold the mortgage. My friend at XXXX XXXX stated it is illegal to with hold money for their own self centered reasons. 

Shellpoint told my son ; 'We are waiting for your Dad to not pay us. We will resell the house and keep your Dad 's {$33000.00} for repairs. ' I have a XXXX XXXXXXXX. I have Nowhere to live and a home I can not repair or live in. I have sent Attorney General XXXX XXXX information on this. Retained Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX is next. Open for ideas with these manipulating XXXX. They told my son, they want ME to pay off the loan and them what with the repairs? 
Contact me at ( XXXX ) XXXX text first/call, E-mail to XXXX, XXXX XXXX XXXX attorney at law, this hotel on XXXX XXXX XXXX XXXX XXXX XXXX. Good Luck working with thieves! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach. I am writing this complaint against Westlake Financial Services for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not opened, made, or initiated any accounts with Westlake Financial Services, but it was updated to a closed account on my consumer credit report. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) with Westlake Financial Services. 

When I reviewed my credit report on XX/XX/year>, Westlake Financial Services reported to XXXX as an opened account, with a balance of {$15000.00}. To XXXX, Westlake Financial Services reported as an opened account, with the balance of {$11000.00}. As of today, XX/XX/year>, XXXX has reported to both XXXX XXXX XXXX as closed accounts, with a balance of {$15000.00}. 

Furthermore, 15 U.S.C 1681 section 602 A, states that I have privacy.

According to 15 U.S.C 1681 section A, it states a consumer reporting agency can not furnish a account without my written permission.

I have not giving any written instructions to Westlake Financial Services, nor to any credit bureaus to furnish any information on my consumer credit report. Because I do not have any affiliation with Westlake Financial Services.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I request this account to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases
Product: Debt collection

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Midland Funding LLC Date opened XX/XX/2017 Balance {$1400.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$460.00}.
Product: Checking or savings account

On XX/XX/2023 I made an online purchase for {$200.00}. The merchant immediately reversed the charges. I was told by the merchant the money would be back in my acct within XXXX to 5 days. They provided proof they reversed the charges which I submitted to Chime. Chime states the pending hold will fall off within 7 days. Today is the XXXX day. Chime has not returned the money to my account. They lie and state the hold will fall off by the XXXX day but it has not. They just tell me to contact the merchant again. I've contacted the merchant 3 times and have provided proof to Chime, including the transaction number which verifies the reversal, 3 times. Nothing has been done. Chime refuses to give me a temporary credit, refuses to contact the merchant for me, and when I tell them it's the XXXX day and I need the money, refuse to provide a practical solution other than to tell me to contact the merchant.
Product: Credit card or prepaid card

Today I received an automated phone call about my Amazon XXXX credit card. The automated voice said someone had charged a XXXX pro computer laptop to my card and they wanted me to push a button to connect with someone who could talk to me. 
The phone number was local to me XXXX and they called me at XXXX pm. I hung up the phone because I had not used my Amazon XXXX recently and I checked my account online and it was ok. I did not attempt to call the number back. 
This was a scam and I just wanted to report it.
Product: Credit reporting or other personal consumer reports

XX/XX/ COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and XXXX believes it is my account info when it is not. Capital one over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXXt. 
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already 88 days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

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

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX XXXX, 2017 @ XXXX informing them of the fraudulent inquiries on my credit report due to a computer glitch that was Transunion problem caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them being re added. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for 42 minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Transunion. I asked that the CFPB help me stop Transunion from victimizing me.
Product: Debt collection

I never received notice of this debt, I pay all my cards on time and never had an issue until one day I look at my credit and see this and I have not to be informed by phone or through email or regular mail.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$340.00} & XXXX XXXX  XXXX Balance : {$2700.00}
Product: Credit card or prepaid card

On XX/XX/22 Bank of America zeroed my unemployment account by withdrawing {$810.00}. I complained, on phone for hours on multiple days. Response was it was authorized and sent to checking or savings account. BUT they will not say to what checking or savings accounts. I dont have a B of A checking or savings account! I checked the ones I do have and that {$810.00} was not transferred in. 

This occurred after about a month of weird appearances and then disappearances of funds from my B od A account. Each time I questioned them I was told to report a lost debit card. I did this 4 or 5 times, given new cards each time and money reapplied to my account. I gave up and asked the California EDD to sent checks directly to me. They have and that part is fine. The {$810.00} has not been accounted for. There is something very wrong at the Bank of America. 

If this is not resolved I feel I must contact the AG to force an accounting. 

Previously documented as complaint # XXXX