23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against American Express for engaging in unlawful debt collection practices that violate federal law, including the XXXX statute. American Express knowingly participated in a scheme involving fraudulent debt instruments, resulting in negatively impacting my credit score. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes. Specific Allegations are 1st-Fraudulent Debt Instruments, 2nd- Reporting of Delinquency to all Major National Credit Bureaus , 3rd- Knowledge of Fraudulent Activity and 4th-Violation of XXXX Statute. Why the Debt Collection is Unlawful : 1st - Fabricated Credit Card Agreement and Lack of Lawful Consideration, 2nd- Fraudulent and Predatory Practices, 3rd- Disregard for Evidence and Federal Law and 4th-Violation of the XXXX Statute. 
See Attached Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On or around XX/XX/2021 a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to Experian. Experian received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the Experian address is correct and mailing was complete. Thus, it is presumed Experian received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to Experian the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, Experian is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, Experian is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as Experian is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XXXX/XXXX/XXXX and have progressed up to the following steps. 1, I have been given complaint number XXXX - XXXX. 2. My complaint had been received by CFPB and CITIBANK N.A. XXXX. 3. CITIBANK had submitted their response to CFPB and me 4. I have completed draft of my Feedback for The Company 's Response. However when I was sending it using the field in CFPB form, i.e. before I copy paste my draft all of a sudden the system was closed and so my complaint was closed. 

Iam now requesting a repeat for me to submit my Feedback for the same complaint I filed in XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX. There are two addresses listed that I have never lived at XXXX XXXX, & XXXX XXXX XXXX. Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they have several duplications of XXXX listed as well and XXXX.
Product: Money transfer, virtual currency, or money service

I wanted to cash out funds I was sent via Cash App to my bank acct. To do it instantaneously would incur a charge shy of {$10.00} so I opted for two day deposit which would be free, however Cash App then requires you to link your bank account to XXXX and agree to their terms which gives them access to my account and its information. This isnt required when depositing instantaneously for a fee so it seems as though they are forcing me to choose instantaneous transaction at a cost, in order to protect my accounts/information. Otherwise they are making me release my account information for the free service. If this action was indeed necessary to prevent fraud, as it statuses, why do they not make it necessary for instant transactions as well?
Product: Money transfer, virtual currency, or money service

My Paypal account based on my email " XXXX XXXX XXXX '' still remains restricted, specially for sending and receiving payments. In spite of Paypal promising me that my account would be lifted of the restrictions, that did not happen as when I login I am offered to receive an automated phone call but as my landline has changed, that is not posible at all. When I call the XXXX Call Center of Paypal, it has not either been posible to reach a solution as my current landline number differs to the original entered in my Paypal profile. 

I have to point out that after my 2 previous complaints through the CFPB, there were some advancements, however the main inconvenience, i.e,, the limitations still affecting my Paypal account do remain and that is a major problem for me as I do need a Paypal account for personal and working reasons. 

Paypal imposes non-sense and stupid restrictions, such as that a bank account can only be linked to one Paypal account and not to second one so when I attempt to open a second Paypal account under a different email address Paypal does NOT allow my XXXXct bank account to be linked to a new Paypal account. That is a XXXX and XXXX rule from Paypal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, RATEGENIUS/XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Debt collection

Portfolio Recovery has been calling my home phone multiple times per day for the last week. They have now begun calling my cell phone as well. The will call 2 or 3 times in a row. It gets so frustrating that we unplug our phone. I can see every time they call on my phone log. They never leave messages.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

About 2 weeks ago ( end of XX/XX/XXXX ). I was behind on payments but was able to make the lowed payments, but was still delinquent due to missed past payments. I was contacted ( received a call ) by a rep from sallie mae after making a payment a few days prior. I was told they have a " 3 pay program '' that could help me get caught back up to make my accounts current. How it works was as long as i make my next 3 payments on time, the account will be brought current and the delinquent payments would be added to the end of the loan. I agreed to enter this program and did the verbal verification over the phone on their recorded line and that was the end of it.

Today, I called them to verify that the payment was still scheduled and verify the amount to be paid. I was able to confirm both, but the new rep proceeded to tell me that I was not actually eligible to be in the " 3 pay program '' and that the payments I scheduled and was told would bring me current, would not. The reasoning I was told was due to already having my payments reduced and I " cant be in 2 programs at the same time '' So my complaint would be, why would they call me to tell me about a program, I agree to the terms and enroll into said program, schedule payments, and not actually be eligible from the very beginning?

The lady on the phone was nice so no issue with her, but she said she would " elevate this to a manager '' and then I was on hold for close to 30 min before I hung up. Aint nobody got time for that.
Product: Mortgage

I paid an escrow balance over the course of many months. I actually overpaid slightly, and Bank of America sent me a refund check for the overage. Two months later, Bank of America now says I have a balance and is charging me a monthly fee. I have attempted to call them numerous time and sit on hold for over an hour without an answer. I am unable to go to an office because they are closed by the time I am off work
Product: Debt collection

I was paying on a loan to a credit union called PenFed until last year when we had a death in the family and a significant loss of income. I was unable to make the payment for several months and then it was transferred to a company called XXXXXXXX XXXX. Then I began having calls from a company called XXXXXXXX XXXX XXXXXXXX working for a XXXX  to collect on the debt. They call me and every member of my family repeatedly until someone answers and then they will not take no for an answer. I believe this qualifies as harassment and I want it to stop. I also want them to provide documentation that they are authorized to collect on the debt but I have never given that authorization to them. This could be fraud as the account has changed hands so many times and they have not provided the requested documentation. Please help.
Product: Checking or savings account

Good afternoon, This is a formal report re : an unauthorized transaction XX/XX/22 involving an attempt to cash a check for {$7000.00}. 

Bank of America, the account provider, has restricted my account and begun a fraud investigation. 

Kindly be advised this is in process, and I suspect it happened because my check book was recently stolen. 

Per BofA, the long-term solution is that I close my accounts ( checking and saving ) and create new accounts.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, just days after my registered Venmo, they emailed me that my account has been frozen due to recent activity that appears to be a violation of our User Agreement. And they asked me to upload my photo ID ( and I did ), but today they said my account has been permanently deactivated! And in my account there are still {$500.00} but I can not get back to my bank account and Venmo said they can not do anything about it! And they also havent telling me why my account has been frozen. Now I dont care about the account but I just want my money back!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXXXXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX  XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accuracy of the information related to an account with your organization. After reviewing my credit report, I have identified discrepancies in the reported Date Opened and High Credit on the account in question. 

To ensure the accuracy of my credit information and to address these concerns, I am formally requesting validation of the debt associated with the account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and supporting documentation. Please provide details regarding the accuracy of the Date Opened and High Credit, and any documentation supporting this information. 

Furthermore, I would like to inquire about the status of any insurance claims filed in connection with this account. If insurance has been claimed, kindly provide details of the claim and its resolution. 

In addition, I am seeking clarification on whether a Form 1099-C, Cancellation of Debt, has been filed in relation to this account. If so, please provide documentation related to the filing and any relevant information about the canceled debt.

I would like to draw your attention to the importance of accurate credit reporting, as outlined in 15 U.S. Code 1681n. This section establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). It is crucial for creditors to ensure the accuracy of the information they report to credit bureaus, as inaccuracies can have serious consequences for consumers.

Moreover, I wish to highlight 15 U.S. Code 1692e, which prohibits false or misleading representations by debt collectors. Providing accurate and verifiable information is essential to maintaining the integrity of the debt collection process and ensuring fair treatment of consumers.
Product: Mortgage

I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.
Product: Credit card or prepaid card

I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXXXXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.