23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Date : XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Follow-up on FDCPA Debt Validation Request Account Number : XXXX from XXXXXXXX XXXX  Dear Portfolio Recovery Associates , LLC Representative XXXX I am writing in response to the letter I received from you stating that the XXXX XXXX account XXXX XXXX XXXX XXXX XXXX by your agency on XX/XX/XXXX. However, your response does not meet the debt validation requirements set forth by the Fair Debt Collection Practices Act ( FDCPA ), specifically under XXXX U.S.C. XXXX. Please allow me to outline below the reasons why I believe you have not provided full validation : XXXX. Lack of Specific Documentation : The documentation provided does not include a copy of the original contract signed between the original creditor XXXX XXXX XXXX  ) and myself. Without this proof, it has not been proven that I have agreed to pay this debt on the terms you mention. 
XXXX. Lack of XXXX XXXX : Your response mentions a balance of {$2300.00} at the time of the account purchase. However, you have not provided a detailed breakdown of the amount owed, including fees, interest, and any payments applied to the account. 
XXXX. Evidence of Transfer of XXXX : There is no clear evidence of the transfer of the debt from the original creditor to Portfolio Recovery Associates. I request that I be provided with a copy of the purchase agreement between XXXX and XXXX Bank showing the assignment of the right to collect this debt. 
XXXX. Debt Collection License : No proof has been provided that Portfolio Recovery Associates , LLC is duly licensed to act as a debt collection agency in my state of residence. I request a copy of the license authorizing your agency to operate in my state, along with the contact details of the relevant regulatory authority. 
Since my request for debt validation has not been fully and lawfully complied with, I reiterate that all collection activities must cease immediately until proper validation is provided as stipulated by the FDCPA. I also remind you that any negative reporting that continues to be reflected on my credit reports during this process could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
I look forward to your prompt response and give you XXXX  days from receipt of this letter to provide me with complete documentation supporting the validity of this debt. If I do not receive a satisfactory response, I reserve the right to file a formal complaint with the Federal Trade Commission ( FTC ). 
Please send all correspondence to the address listed at the beginning of this letter. 
Sincerely, XXXX XXXX
Product: Credit card

Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my bank of america cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to BoA associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




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

I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Product: Checking or savings account

on XX/XX/XXXX I reached out to Wells Fargo regarding charges that were showing on my bank account from XXXX XXXX XXXX. I did speak with XXXX first and was directed to contact my bank as they were not able to see the charges from my account. I explained to wells that my card had been previously missing I just did not assume it was lost. I advised them of a charge for XXXX with a XXXX XXXX XXXX, {$170.00} through XXXX & another for XXXX. After submitting the dispute wells took the money back on XX/XX/XXXX. On XX/XX/XXXX I spoke with the disputes department in which I brought on a rep from XXXX named XXXX in which she confirmed the last XXXX of my XXXX account and confirmed with Wells that the payments were not on my account. After a few more calls I was advised to reach out to the other vendor on XXXXregarding the {$600.00} charge and was spoken to rudely by her stating " she did not charge me directly just charged a card that was given to her and she did not look at the details. '' I followed up with well Fargo and was advised to fax the documents over to the, docs were faxed on XX/XX/XXXX and when I reached out on XX/XX/XXXX the claims rep was very rude asking if I had spoken with the wells rep and the XXXX rep why is it that no one reopened my claim. she wouldn't allow me to speak as if she was too busy to talk with me. I asked if they received my fax and she told me they did but that the claim was denied once more because XXXX  stated that they were my charges on my account. I have faxed Wells Fargo my billing statements from XXXX  and everything that I have from the XXXX rep and still no assistance. This has placed me in a financial bind one that I should not have to go through. I have also reached out to XXXX multiple times without any resolve as I keep being instructed to contact Wells Fargo. I also tried to file a dispute through XXXX as instructed by Wells in which I am being advices by XXXX  that wells has to file the dispute and they never did.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received the attached promotion from the merchant for an American Express Gold Delta Card. I applied for and was approved for the card on the same day. The business confirmed that I would need to spend {$2000.00} by XX/XX/XXXX, to receive the XXXX bonus miles. 

On XX/XX/XXXX, I noticed a credit in the amount of {$300.00} on my account. When contacting the business, it informed me that a different promotion was honored but it would open an inquiry to cure the issue. I received XXXX instead of XXXX bonus miles from the business after meeting my spend threshold. 

In followup, I contacted the business on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each time I was given a myriad of explanations and told that the inquiry was still unresolved. On XX/XX/XXXX, I submitted copies of the promotional offer to the business to support my open case. On XX/XX/XXXX, after threatening to get the CFPB involved and/or institute proceedings to close my account, I was informed that the resolution is it would not honor the original promotion.
Product: Debt collection

Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.
Product: Money transfer, virtual currency, or money service

Charge from XXXX thru PayPal was reversed due to show cancellation. PayPal claimed to to return the money but never did so. After inquiring, PayPal representative told me I needed to dispute the charge thru the credit card company ( XXXX ), which I did. XXXX claims the charge was valid and will not refund the money - leaving it in PayPal 's hands. This situation is understandably complicated by the 3 year gap between the ticket sale and show cancellation due to the pandemic.
Product: Debt collection

I currently have a collection in the amount of {$1800.00} I was not made aware of until XXXXXXXX XXXX XXXX when I went to look on my credit report and seen a collection agency I didnt recognize. I was not given notice by this agency nor the original lender as my ex spouse was responsible for this debt. I have called numerous times to settle this debt with the collector to no avail. I know by law 15 usc 1692 ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my credit report in XX/XX/2020 Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XX/XX/XXXX, and XX/XX/XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting Act ( account name & number #, ) has violated several of my rights. 

XXXX5 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Product: Money transfer, virtual currency, or money service

Im a regular customer of WesternUnion. On XX/XX/2018 I sent two separate transactions overseas. The reasons I did two transactions was the auto fill from previous transactions. 

I sent {$70.00} and then {$30.00} to the same person. However, WesternUnion cancelled the transaction for the {$70.00} and the {$30.00} available.

I wasnt notified by WesternUnion that they canceled the transaction. I didnt know whats going until the receiver went to WesternUnion XX/XX/XXXX after going for consecutive days. WesternUnion overseas told I took the money back. On XX/XX/2018 I called WesternUnion and was told by two different representatives that they cant access the transfer, but I should call back in 15-20 minutes two times. Finally, I was told that they canceled my transaction because I sent separate transactions. Nobody seems to know whats the real problem. I called back WesternUnion representative again and asked if I send another transaction on XX/XX/XXXX if the person would be able to get the money. I was reassured by the representative yes. I was taken aback when WesternUnion again canceled-suspended the transaction again. I had to asked for a refund. 
After numerous calls I called back XX/XX/XXXX and asked for the department that placed restrictions on my transactions and was give this email XXXX for help. I sent an email and I havent received an email or phone call from WesternUnion about this inconvenience. I must say this situation was handled unprofessional and without regards or thoughtfulness of all party involved. Im very disappointed with WesternUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.
Product: Vehicle loan or lease

I am submitting a complaint against Chase Auto Finance concerning my lease account number XXXX for unfairly charging me for a XXXX XXXXeplacement that I had already completed as part of my lease return conditions, and for their subsequent threats to negatively impact my XXXX XXXX if I do not pay this erroneous charge. 

On XX/XX/year>, during a pre-return inspection conducted by Chase on my leased vehicle, it was noted that a tire needed to be replaced. Complying with this requirement, I replaced the XXXX  at XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, before officially returning the vehicle. Despite providing Chase with clear documentation from the dealership confirming the XXXX  replacement, issued by XXXX XXXX from the service department, Chase has consistently refused to acknowledge this proof. They have declined to send an inspector to verify the replacement or to contact the dealership directly, even though the vehicle was verifiably still at the dealership and not at auction as they claimed. 

To further substantiate my claim, on XX/XX/year>, I visited the dealership and took video evidence of the new tire installed on the vehicle. However, Chase has outright refused to even accept this video evidence, continuing to ignore all substantiation provided. XXXX XXXX has explicitly stated his willingness to confirm the tire replacement directly with Chase XXXX, providing a direct line of communication to verify the validity of my claim. 

Throughout this process, I have communicated multiple times with Chase XXXX XXXX XXXX XXXX I have spoken with representatives XXXX ( ID XXXX ), XXXX ( ID XXXX ), Memory ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ), all to no avail. Despite faxing the required work order on XX/XX/year>, and even sending a written authorization to allow Chase to speak directly with XXXX XXXX at the dealership on XX/XX/year>, Chase continues to deny the validity of my claims. The representatives have stated that they either did not receive the subsequent documentation, or they simply refuse to process it. 

This unresolved charge of {$530.00} for the tire replacement and associated taxes, not including the undisputed {$490.00} disposition fee, not only lacks validity but is also a clear example of unfair billing practices. Chases threats to report this as delinquent to credit agencies if not paid can unjustly damage my credit standing, which I find coercive and unethical. 

I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and to assist in rectifying this dispute in a fair manner, ensuring that my credit rating and financial integrity are not unjustly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

On XX/XX/XXXX I disputed several transactions totaling {$6400.00} that took place in XXXX while I was incarcerated in the state of XXXX. Apparently transactions show that my roommate was able to log into my account collect unemployment and then make transfers to her cash app account. She also changed my contact information, my address, my phone number, and even was able to get a debit card sent to her house. Also she forwarded my mail from my mailing address to her house and was able to get a US government check a stimulus in the amount of {$1400.00} in my name forge my signature and cash that check using Chime. All of this money was either spent using the debit card or transferred to her cash app account and chime did nothing but accept all of this and allow it. I was released from incarceration XX/XX/XXXX at which time I noticed all of this fraudulent behavior and contacted Chime and started disputing it over the course of the next few months presenting documents proving that I was incarcerated and they continue to deny my claim. I do not understand how it is possible that someone is incarcerated and unable to access bank account yet they allow all kinds of fraud to go on and not return my money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681.

2 ). Experian is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed.

3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Experian written permission to furnish these accounts. 

Accounts : A ). XXXX XXXX XXXX XXXXXXXX B ). XXXX XXXX OF XXXX : XXXX C ). XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have good credit scores. I recently applied for a home mortgage loan with several mortgage companies. I have a good job. I should be approved for a credit card application. My application ID is XXXX. Capital One N.A. is located in XXXX XXXX XXXX, UT XXXX.
Product: Debt collection

I wrote to XXXX XXXX  in regards to an alledged charge off debt observed on my credit report and I got a response from Northstar Location Services , LLc with an invoice with incorrect and confusing information. 
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is 72 months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. 
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 
15 U.S. Code 1692b section 5 states collection agencies can 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 ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( Northstar Location Services , LLc ) violated my rights in this regards. 
both XXXX and XXXX have violated me.
Product: Credit reporting or other personal consumer reports

These two accounts are reporting a past due balance and there in charge off status wruten off by thier company. Yet, I never authorized these accounts to begin with I have requested something showing where, when we're they opened they just send letters that say verified. This is so unfair. XXXX and XXXX XXXX are not professional
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My XXXX XXXX has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from TRANSUNION ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.