23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madame I am writing to file a complaint against for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Failure to Provide Validation Information I received a communication from TRANSWORLD stating that I owe a debt of XXXX to XXXX XXXX  XXXX XXXX. However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies. 
XXXX. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt. 
XXXX. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful. 
XXXX. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt. 
XXXX. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against XXXX This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA. Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt. Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified. Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Proof of their agreement to purchase the debt from the original creditor. Also, disputing owing any and all debt to them, revoking all rights of them communicating with me through email, text, and call. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I have XXXX XXXX XXXX. I was in the process of getting a new XXXX when I got sick. At that time I was air lifted to a facility in Ga I remained there until XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXXXXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in home health care and physical therapy and found out my XXXX had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> : Selling my bicycle over XXXX social network I became a victim of a fraud. I received official messages from XXXX, a money transfer service collaborating with my bank Chase. I was requested to make a transfer of {$300.00}, which I did through the Chase banking app. 

XX/XX/year> : Over email and phone, XXXX requested me to transfer another {$500.00}. I tried to make a transfer to the same recipient but it failed ( message that the transfer didn't go through appeared in the Chase app ). After that I tried to make a transfer of the same amount twice to two different recipient addresses provided me by a XXXX representative. Both transfers failed ( same message ). 

I recognized, that what was happening was a fraud and immediately checked the status of the payments through the online banking. The first, {$300.00} payment appeared as " processing '', the other payments did not appear at all, which seamed logical because of the error messages I was getting in the app. 

I immediately called Chase. I reported the fraud in the Chase Fraud Department and told them that the {$300.00} payment should not be processed and that the recipient is a criminal. 

XX/XX/year> : XXXXhase has processed {$300.00} payment as well as the three {$490.00} payments which appeared on the Chase app as failed transfers.

I complained to the Chase Fraud Department. I have reported them the day before that it's a fraud and that the recipient is a criminal, nonetheless they, firstly, processed two payments to the same fraudulent recipient and, secondly, processed payments that appeared as failed on their banking app. 

During the subsequent couple of days Chase Fraud Department refused my complains. A representative of the bank I've approached in person with issue escalated my complain. After that I've been contacted over phone by another Chase representative ( XX/XX/year> ) who told me that they won't be pursuing the case any further. 


XX/XX/year> : Chase credited a payment of {$300.00} to my account. However, I've never received any reimbursement of {$490.00} payment processed by Chase to the same fraudulent recipient as {$300.00} which appeared on the Chase app as failed. I also haven't received any reimbursement of the other two payments {$490.00} each to fraudulent recipients which also appeared on the Chase app as failed.

I attach : 1. email communication with XXXX XXXX. Screenshots of text communication with XXXX XXXX. Screenshots of XXXX failed payments over Chase app ( I only made screenshots for two of the three failed payments )
Product: Credit card

XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard back.
Product: Debt collection

Below is a description on my complaint. It is the text of the letter I sent to parties listed below on XX/XX/XXXX. I have received numerous billing statements from XXXX XXXX and I have not received a bill from XXXX XXXX XXXX XXXX. 
XXXX ATTN XXXX XXXX, Collection Department Manager, XX/XX/XXXX XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX XXXX XXXX - XXXX, MT. 
DBA : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX XXXX ATTN Billing Department Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX XXXX Under false pretenses, willfully and knowingly XXXX XXXX XXXX XXXX MT ( DBA XXXX XXXX ) opened a fraudulent account as reported by XXXX  and XXXX using my name and included an unsubstantiated claim for " unpaid '' in the amount of {$17.00} on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Additionally XXXX XXXX XXXX ( DBA XXXX XXXX ) continues to willfully and knowingly violate the Fair Debt Collection Practices Act ( FDCPA ) and harass me with repeated attempts to fraudulently collect money on this unsubstantiated claim. These actions are an unlawful attempt to commit fraud, extort money from me, and damage my name and credit rating. 

I have made every effort to : 1. work and coordinate with my insurer XXXX, XXXX , XXXX , XXXX , XXXX , and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( DBA XXXX XXXX ) to facilitate and expedite satisfaction and closure of this matter since XX/XX/XXXX 2. show and reiterate on numerous occasions that XXXX XXXX   XXXX XXXX XXXX XXXX XXXX did not bill my insurer for services provided on XX/XX/XXXX at XXXX XXXX XXXX in a timely manner. My insurer waited more than six months without being billed by XXXX XXXX XXXX XXXX XXXX, XXXX 3. show that once XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted and billed my insurer, all claims due were paid with no outstanding monies owed. XXXX XXXX XXXX XXXX XXXX, XXXX was provided multiple statements of remittance ( on XX/XX/XXXX and XX/XX/XXXX ) which clearly state and serve as record evidence that all claims were paid by the insurer and these records further indicate that there never has been co-payment due for the beneficiary and there is no money owed by the beneficiary to XXXX XXXX XXXX XXXX XXXX, XXXX. 

In sum, I owe no money and never have owed any money to XXXX XXXX XXXX XXXX XXXX, XXXX. However, XXXX XXXX  XXXX XXXX ( DBA XXXX XXXX ) has violated my rights and protections under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. giving false information about me to credit reporting companies including XXXX and XXXX 2. making repeated false written statements indicating I owe money 3. conducting unfair practices in attempt to collect money from me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

XXXXXXXX XXXX XXXXXXXX Equifax-XXXXXXXX XXXX XXXXXXXXXXXX As stated in the FCRA All information contained in my report must be 100 % correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.
Product: Credit card or prepaid card

On XX/XX/2018, American Express, without warning, suddenly decreased the credit limit of my XXXX card from {$30000.00} to {$5100.00} ( while the card carried about a {$4900.00} balance ). American Express extended a special low interest offer on this card before this balance was accumulated. The offer was only accepted because of factors such as the high credit limit available, and the balance was only accumulated to that level by accounting for the resulting credit utilization. Therefore, it is believed American Express reneged on its side of the bargain after the customer accepted and took actions accordingly. This kind of unilateral agreement change can potentially destroy a customer 's credit without warning. For example, the credit utilization on this card suddenly increased from less than 20 % to nearly 100 %. This " bait and switch '' tactic appears to render AmEx 's original offer fraudulent and results in customers being thrust into a " maxed out credit card '' situation/status on their credit reports.
Product: Student loan

I was not made aware that XXXX changed their name. They stop payments on my account and then out of no where after 1-2 years began with drawing unauthorized amount from my account. They do not allow me to log into my account online or send me statements. Raised my interest. Charged me for unnecessary late fees.
Product: Debt collection

CFPB, you closed the complaint inquiry into XXXX XXXX company which I just recently filed, but the issue was not resolved. Please re-open complaint ID XXXX submitted on XX/XX/2022 as this company persist in false statements and threatening tactics. Please contact me immediately if you need any further information as I have already responded to the company 's response this morning.
Product: Debt or credit management

I am filing a complaint with Lexington Law in accordance to the class action law suit. I also need my address changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX For payment to sent there.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

In XXXX of XXXX I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) with a promotion. The requirement said you couldnt be an employee and had to have {$3000.00} in the account at the end of 90 days. If all requirements were met at the end of 90 days, they would put {$500.00} in the account. 
At the end of 90 days I had {$3000.00} in there and wasnt an employee, but they just keep telling me Im ineligible and wont be receiving the promo bonus and I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax Dispute Department for months, I have been mailing dispute forms to Equifax for months, I sent them the appropriate required letters along with the information they told me, My govt issued Identification card, My social security card, My utility bill, a cover letter, I have enclosed the FTC report each time, explaining the identity Theft that occurred on my credit profile. 

Today of ths date, XXXX the XXXX 2023 at XXXXXXXX XXXX I spoke with XXXX from the dept i was transferred to from the dispute automated system, He put me through a security step in which I was successfully verified. 

I explained to him that I have a fraudulently opened account in my name, an inquiry fraudulently attempted and my current address they are reporting is inaccurate.I also told him I sent in the documents, he placed me on hold, kept telling me the documents weren't received, then he said he sees them, then he said they weren't the correct ones, he stated that the FTC was wrong, then he said the FTC expired, he told me he honestly doesnt know whats going on, he said he doesn't know what to do, he kept suggesting I send the documents, then he stated he thinks they got them on the XXXX of XXXX, then processed them on the XXXX of XXXX, He also stated multiple times that i should I asked him what happened to my docs I already sent? 
He stated that i should send again, I asked then what's next, I aske him to report the fraud and identity theft that occurred, I told him that i sent documents multiple times the past few weeks, I told him everything on the list, then after saying he couldn't see, he told me he can see the docs I sent, and recanted, i told him how is the FTC report not complete?, he stated that it doesn't show the details, I said it shows the account number the date and a summary of what happened, he agreed, then proceeded to place me on hold, he then came back to phone saying he doesn't know what to tell me, I replied " Im calling Equifax as for assistance, he then became rude and stated we have been on for XXXXXXXX XXXX, I said but im calling as a customer of Equifax for help, he then stated he cant help and tried to conclude call without me finished or his assistance. He concluded the call he didn't honor my request to report the identity theft, he didn't take initiative to fix the inaccurate address currently reporting on my account
Product: Prepaid card

I got a vanilla gift card {$300.00} from my job on XX/XX/XXXX. I had a remaining balance on it of {$44.00}. When I tried to use this balance in the store, my gift card was declined. It showed that my balance was put on hold. Vanilla card reps could not help me with unblocking my card and did not know why my card was blocked. On XX/XX/XXXX Vanilla card rep XXXX offered me the refund in a check which I accepted. She told me that I will get my check with the refund of the remaining balance of {$44.00}. I gave her my address. I never got the check. I called XX/XX/XXXX Vanilla gift card and the rep XXXX told me that he does not know why I did not get the check. 
Please contact Vanilla gift card on my behalf and request why I did not get the check. 
They are just lazy and horrible. They couldn't explain when I will get the check.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against XXXX, collectively referred to as XXXX hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, CITIs unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, CITIs reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX, EXPERIAN, XXXX, and XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.