23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, I replied to an email sent to me by Compass Recovery Group. They claim to be trying to collect a debt for XXXX XXXX XXXX, another debt collector. Who claims they purchased my debt in XXXX of XXXX. 
I requested proof of ORIGINAL CONTRACT WITH WET SIGNATURE and payment history. As well as requesting for them to cease emailing me. 
Today, XX/XX/XXXX, I received a copy of a contract, a payment history, a letter that they claimed was sent on XXXX XXXX, and a copy of an old driver 's license of mine. 


There are several things wrong here, that go against consumer law and my rights as a consumer. 
Starting with the contract provided me, the amount of debt is inaccurate, as well as the computerized signature. Reading the top left corner of the contract, it states that I initiated this loan over the phone. I do admit that I did initiate a loan with the original creditor in XX/XX/XXXX, IN PERSON, in which I made payments on. This is the original contract I requested. I do not know where this new contract came from. I didn't request to extend the loan by {$500.00} over the phone, as stated. The number of total payments increased, and the overall interest payment is also inaccurate. 
The information provided on the application has been added through running a credit report, not by my giving the information. As the real estate information is inaccurate as well as other information. 
My rights to privacy were also violated by this collection agency sending a copy of my driver 's license via mail, as I have been a victim of identity theft and have noted this, in previous complaints. 

When it comes to collection practices, it appears that there are 3 different collections agencies trying to collect this inaccurate debt. I have received emails from another company, by the name of XXXX XXXX XXXX XXXX, that initiated the emails in XXXX of this year. So, I am uncertain how COMPASS RECOVERY GROUP acquired this account from XXXX XXXX XXXX, who claims they purchased the account in XXXX of XXXX. 

Last but not least, I did not receive initial written notice that my original debt with sold to anyone. According to the law, I am to be notified at least five days before ; in writing. 

It sems impossible to receive accurate information, as there appears to be 3 collections agencies trying to collect different amounts, none of which are what I signed a contract agreeing to.
Product: Debt collection

According to the FCRA, credit reporting agencies are required to complete investigations within XXXX  days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional XXXX  days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 


I kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.
Product: Credit card

A collections account with XXXX XXXX XXXX about a Fortiva credit card for {$480.00}, that I have never owned. The account Is currently under dispute, but they continue to send me mail about an account that I have no knowledge of in an attempt to collect.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my deep concern and frustration upon discovering that TransUnion and XXXX have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.
Product: Credit reporting or other personal consumer reports

On my report it states that I had a XXXX account which was abused. This was identity theft which I reported
Product: Debt or credit management

They removed it from one credit bureau account of mine but not the other two.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : RE XXXX XXXX XXXX I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the XXXX XXXX XXXX. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit card or prepaid card

Basics ; Synchrony Bank, credit card issued, at store, for furniture purchase. Within XXXX  months of purchase, furniture was breaking, Synchrony bank was advised on phone call asking if they had contact information for store I purchased from as they are out of business and my furniture was falling apart. I was told to contact the merchant, to which I replied, that's why I was contacting them, again because THEY ARE OUT OF BUSINESS, with no contact information. Complaint filed, resolution was in favor of Merchant? But there is no contact information for merchant, how were they contacted? No one contacted me asking for more information. XXXX, resolution, in favor of merchant, because merchant is out of business and Synchrony has no way of being reimbursed for money they paid merchant for my falling apart furniture. Out of the reclining sofa, love seat and chair, the only unbroken, working item is the chair. Other than submitting in writing, which no one mentioned, I've contacted Synchrony, telling them I don't feel like I should have to finish paying for an item that didn't last a year, {$1800.00} for something that needed replaced within XXXX  months. 

I will state, after reading fine print, that XXXX of the major requirements is that the item is not paid off, so I quit making payments. Not the wisest choice but I have now taken pictures of furniture and will be sending that in writing, yes, also stated in fine print, which I failed to read. That's on me, not being told that speaking with a representative did not satisfy the requirements for stating that you have tried to resolve with merchant, even contacting Synchrony for that information, and do not feel like you should have to finish paying for an item you have to replace because what you bought from them was faulty, craftsmanship was faulty it is falling apart.
Product: Mortgage

On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.
Product: Debt collection

Initial contact XXXX XXXX XXXX, an employee of XXXX XXXX contacted me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued. 
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful. 
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning. 
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this 'debt ', and no written letter from them to collect this debt.
Product: Checking or savings account

I had a debit card account for direct deposit of my XXXX, and Social security checks.i was constantly being overcharged by wells fargo, for months/years for overdraft protections to the amounts of XXXX was never told why, and never overdrew, but eventually had to close accounts after years of being a good customer due to this.i was mistreated by customer service reps in banks, both in XXXX, and XXXX XXXX ... .i was taken advantage of, and i feel i was mistreated due to my XXXX.
Product: Checking or savings account

The CFPB alleges that Capital One promised consumers that its flagship XXXX XXXX account provided XXXX of the nations best and highest interest rates, but the bank froze the interest rate at a low level while rates XXXX nationwide. Around the same time, Capital One created a virtually identical product, XXXX XXXX XXXX, that differed from XXXX Savings only in that it paid out substantially more in interestat XXXX point more than XXXX times the XXXX XXXX rate. Capital One did not specifically notify XXXX XXXX accountholders about the new product, and instead worked to keep them in the dark about these better-paying accounts. The CFPB alleges that Capital One obscured the new product from its XXXX XXXX accountholders and cost millions of consumers more than {$2.00} XXXX in lost interest payments.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. 


I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, 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, per the Fair Credit Reporting Act section 611.

I have attached my driver 's license, social security card, utility bill, and identity theft report.
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 these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX Transunion : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Product: Credit card

I called Citibank on XX/XX/year>. It was brought to my attention my access to banking online has been closed and/or purged. However, I still have an outstanding balance in my Citibank credit card. Im also enrolled in paperless billing. Due to XXXX unlawful action, I can no longer see my billing statements, balance, payments due, etc. This causes consumer harm. This is an Unfair, Deceptive, Or Abusive Acts Or Practice. I seek to hold Citibank accountable for its egregious behavior. Please restore my online banking access forthwith, otherwise, I will retain an attorney and file a legal action.
Product: Credit reporting or other personal consumer reports

According to your letter dated XX/XX/XXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX. 
According to IRS Publication 4681, charged off debt is considered income and income can not be reported to a consumer report in accordance with the Privacy act of XXXX which prohibits disclosure of personal information. 

Additionally, my vehicle had been repossessed on XX/XX/XXXX. On page XXXX of Publication XXXX XXXX  XXXX Foreclosures and Repossessions, it states, If you dont make payments you owe on a loan secured property, therepossession is treated as a sale from which you XXXX realize gain or loss.. If the outstanding loan balance was more than the XXXX of the property and the lender cancels all or part of the remaining loan balance ( which the letter dated XX/XX/XXXX stated occurred ) you must also realize ordinary income from the cancellation of debt. You must report this income on your return. 
COFA also failed to send the 1099c copy b that was used to charge off the debt so I could report this income to the IRS. 
Again, INCOME of an individual that is to be reported to the IRS can not be reported to a CONSUMER REPORT. Violation of the privacy act. 


Furthermore, COFAs record of payment history is incorrect. Each statement ( bond/coupon ) that XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was properly stamped and endorsed in accordance with CFR. 328.6, 330.3, 330.4, 330.5, 330.6, 330.7, and returned to COFA via registered mail. Under UCC 3-603 ( b ) Tender of payment ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

This law goes in conjunction with 18 USC 8.

Therefore, the history of reported payments are inaccurate and should be immediately removed.
Product: Credit card or prepaid card

I disputed a charge with citi bank for the amount XXXX in XX/XX/2018. The merchant was supposed to fix my card but they NEVER fixed it and did not provided any services to me. So i disputed the charged for the services not provided with Citibank. Till XX/XX/2018 I have received zero communications from CITI bank. On XX/XX/XXXX I received an incomplete irrelevant letter that Citi bank investigated the dispute and according to the merchant 's provided documentation they were closing the dispute in the merchants favor. The funny thing is that Citi bank is telling me to review the merchant 's documentation and if i still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of my dispute but CITI never attached ANY SUPPORTING DOCUMENTATION FROM MERCHANT THAT THEY HAVE PROVIDED ANY SERVICE TO ME. The letter they sent to me is unprofessional and unreasonable. After receiving this letter i tried to call the dispute department several times but they were never available and responded my calls. I have sent 3 emails to Citi bank billing disputes department but nobody replied to me. It is ridiculous and bad service from Citi bank. 
I want CITI bank to finalize the dispute in my favor as the merchant according to Citi bank provided documentation provided zero proofs showing that they provided any services to me and citi bank did nothing to recover my funds. I want all my funds to recovered within 24 hours. This type of customer service in unacceptable from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and registration E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.