23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

Hello, While traveling abroad in XXXX I inadvertently purchased a service from a merchant who delivered a fraudulent visa approval letter for XXXX. I notified chase both online, phone, and in writing and included supporting information. The low caliber personal who reviewed my claim dismissed it as invalid, even though I showed evidence I purchased the exact same visa, on the same day, from two different merchants. In any case, Chase is insisting the debt is valid even though the visa approval letter was rejected at the airport and the service was fraudulent. 

Very Best, XXXX Relevant Details Chase Bank - Chase Sapphire Reserve Account Number XXXX Claim Number : XXXX Merchant Name : XXXX XXXX  Charge {$250.00} Date XX/XX/XXXX20
Product: Checking or savings account

Money was getting transfer out my account also the bank didnt grant me money back that slI was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account numberXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Product: Credit card

Care Credit/Synchrony Bank Closed my XXXX XXXX account and significantly reduced my available credit on the Care Credit account This action adversely affected my Credit score by over XXXX pointsThis action increased my credit utilization score to over XXXX percent. This action on their part was not justified. 
I have never missed a single payment or have ever been late. 
This financial institution also charged a one time interest fee on XXXX in the amount {$1600.00} on a balance of {$1900.00} which brought the total owed up to over {$3700.00} then they changed the interest rate to a 26.99 percent APRThis was a bait and switch tactic and clearly constitutes predatory lending practicesI have all documents that prove and substantiates my statements.
Product: Checking or savings account

I am writing to lodge a formal complaint against USAA for their handling of a check deposit into my checking account and their failure to comply with Regulation CC regarding the availability of funds. My name is XXXX XXXX, and my account with USAA experienced an unwarranted delay in funds availability that has directly impacted my ability to address an urgent medical issue. 

On Sunday, XX/XX/2024, I deposited a check for {$4700.00} into my USAA checking account. Following this deposit, USAA placed a hold on these funds, informing me via a notification that the funds would not be available until Friday, XX/XX/2024. Given the urgent nature of my situationan XXXX XXXX requiring immediate dental interventionI contacted USAA customer service on XX/XX/XXXX and XXXX, XXXX, to request the early release of my funds. 

Despite my explanation and urgent need for the funds to cover medical expenses, USAA 's response was dismissive. The representatives provided vague, generalized reasons for the hold but failed to give a specific explanation for why my deposit was subjected to this delay. When pressed for a detailed reason that could justify the hold under Regulation CC, the representatives stated they were unable to provide one. This lack of specificity and refusal to accommodate an urgent medical need is not only insensitive but also appears to be in direct violation of the stipulations outlined in Regulation CC regarding the expeditious availability of deposited funds. 

This experience has caused me significant distress, not only due to the physical pain of my medical condition but also because of the financial uncertainty and lack of support from my financial institution. I believe that USAA 's actions in this instance are not compliant with Regulation CC, despite what their deposit agreement states. The refusal to provide specific reasoning for the hold, coupled with the inability to accommodate an urgent request, indicates a failure to adhere to the consumer protection standards mandated by federal law. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that USAA is held accountable for their actions and to prevent similar occurrences in the future. I believe that all consumers deserve transparency, fairness, and understanding from their financial institutions, especially in times of need. 

Thank you for taking the time to consider my complaint. I am willing to provide any further information or documentation as required. 

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

CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I filed a dispute concerning inaccurate information on my consumer report on XX/XX/year> and provided the following evidence that it was furnished incorrectly without a proper investigation. According to the FCRA, the agency which is XXXX was supposed to validate the debt and credibility with my peers, friends, family and most trusted individuals that would have knowledge of the account in question. They did not do a accurate investigation and did not validate the account with the investigating agents information or creditors information. 

Therefore, Under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exist.
Product: Debt or credit management

Me and my wife started the Debt Settlement program with the Law Firm of XXXX XXXX and our funds were being deposited into an account through Global Holdings in XXXX of XXXX. Since that time they only managed to settle one debt and have been paying them {$15.00} a month since XXXX of XXXX. No other debts have been settled. On XX/XX/XXXX of XXXX I received a notice that they had settled another debt with XXXX XXXX  and that they needed my signature to proceed with that process. I reached out to discuss that with them and was un  able to get ahold of anyone and so I signed on the XXXX of XXXX authorizing the settlement. I was never contacted on the matter again and am currently being sued by XXXX XXXX. The other 3 debts I have are also still unsettled and I have been Informed that XXXX XXXX can not settle anymore debts because they themselves are part of a big lawsuit. 

Despite this they are still taking {$290.00} a month from me and depositing into the Global  holdings account. I checked my statements from Global Holdings and was shocked to see the exorbitant fees they have been charging me each month. I checked my initial contract and these amounts were never disclosed to me. For example in XX/XX/XXXX our first draft was {$270.00}. Looking at my statement for that month they charged me for : {$10.00} monthly service charge {$100.00} retainer fee {$49.00} Admin fee {$97.00} Service fee Out of {$270.00} a month only {$12.00} remained to pay my creditors from that {$270.00} charge. That happened every month.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I was approved for a loan for XXXX for annual percentage rate of 29.91 %, Finance charge of XXXX, amount financed XXXX, total payments XXXX, number of payments 59, and a monthly payment of XXXX.All payments are due on the XXXX of every month.All payments are automatically deducted from my checking account every month.This XXXX   loan is owned by XXXX XXXX but serviced by XXXX.Every month my payment is due on the XXXX, XXXX always takes the payment out two days later which screws up my account because I have other bills due and causes fees from my bank for insufficient funds.Just recently I was charged XXXX because the ach bounced.I feel im being taken advantage and beginng to feel this loan is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$500.00} XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022
Product: Payday loan, title loan, or personal loan

Hello, This company helps to break your rent into two payments by providing a short term loan. 

Timeline : On XX/XX/2023 my apartment complex told me that my rent for XXXX would be prorated at 1125mo ( its normally about I informed Flex that this was occurring. On XX/XX/2023 they informed me that this amount had been adjusted as requested by me. I also sent them a copy of the email that my company sent. 

It was initially adjusted to only draft XXXX dollars ( approximately on the XXXX ), however, the app defaulted to the original rent amount. After telling them this occurred, they assured me my account would reflect the proper amount. Flex STILL charged me the improper amount. After asking for a refund, this company said they could not comply. I feel that this company intentionally overcharged me.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries and want them off my credit repost ASAP.
Product: Checking or savings account

As a XXXX XXXX XXXX, my business accounts were with XXXX before the merger with Wells Fargo. After 15 years with this bank, On XX/XX/XXXX, I received a notice from Wells Fargo advising we can no longer use a XXXX XXXX XXXX our mailing address and require a physical address. This is highly unlikely as many businesses utilize XXXX  for mailing purposes. We compiled, called Wells Fargo customer service on XX/XX/XXXX, spoke to a rep and updated the mailing address with a physical address. The address was updated on the account effective XX/XX/XXXX. 
On XX/XX/XXXX, I checked my Wells Fargo business account to discover Wells Fargo closed the account due to " Physical Address required. '' I called immediately to dispute that fact as the last statement reflected the physical address. We were told, we needed to enter a branch to show the proof of address change ( This was never relayed in the letter or prior communications ). Nevertheless, I took a copy of my XXXX  XXXX XXXX XXXX 's license which reflected the same physical address to the branch and was told that the account was closed, a check mailed to me ( the same mailing address in which they are questioning ) and can not be re-open. 
I have a genuine issue as this account is our primary business account utilized for direct deposit and payrolls. The inconvenience of opening a new account elsewhere potentially will cause the business undue fees and expenses. 
Please review the business practices of Wells Fargo and the impact on small businesses these unethical action causes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

I took a loan from " Green Trust Cash '' for {$350.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$370.00} and per Green Trust Cash customer service, I have an outstanding balance of {$320.00}. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$350.00} plus 6 % interest : {$21.00} Based on PA law, I have overpaid by {$4.00}.
Product: Mortgage

I accidentally scheduled two mortgage payments from my bank, XXXX, to the company that recently took over my mortgage : SLS. ( If the payment is n't there on the XXXX of the month, they call me every day. So I thought the first payment had n't gone out. ) It has caused me to be seriously overdrawn as my other automated payments come in. 
As soon as I found out, I called XXXX, and they said it was too late to cancel the paytment. I called SLS a week ago, XX/XX/2017. I was told to send a screen shot of my bank statement showing the two payments, and SLS would send me a check through the mail as soon as the payment was logged. Without the screen shot, they said they would have to wait for TWO WEEKS to see if the second payment had cleared. I sent the screen shot right away. 
It has now been a week since that call, and 13 days since they received my first payment ( XX/XX/XXXX ). I just called again to see if my check had been mailed to me. I was now told that the screenshot is n't good enough. They want me to fax them the XXXX bank statement. 
And then it seems they will MAIL me a check back. -- Supposedly, it is against their policy to transfer the money back to the bank. 

THIS IS INSANE. : - ( 1 ) Is that correct that they can require two full weeks to clear, can only mail me the check, and so on? 
2 ) I much preferred my other mortgage servicing company, but my mortgage was transferred to this company a few months ago. Is there any way that I can request another company handle my HAMP loan? 
Thank you.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint regarding Portfolio Recovery Associates , LLC 's attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit. 

Despite my efforts, Portfolio Recovery Associates , LLC continues to pursue collection of this fraudulent debt, causing undue XXXX  and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with XXXX, XXXX, and XXXX, negatively impacting my credit score and financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that Portfolio Recovery Associates , LLC ceases all collection activities related to the fraudulent Synchrony XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status. 

Thank you for your attention to this urgent issue.
Product: Checking or savings account

I deposited a check in XXXX into my account. They cleared and a week afterwards without even trying to Access the funds, chase closed the account without reason. They said it was tagged for fraudulent activity. I Deposited the check into My account Now it's been since XXXX when the check had been deposited and after 6 phones calls avg 35 minutes each and I'm still waiting for the money!