23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We are disputing a charge of {$630.00} which is a Fraud from our point of view. 
XXXX XXXX is a company that we used many years ago back in 2011. 
about 1-2 years after we called XXXX when it was time to renew the service of XXXX XXXX XXXX and told them to close the account and they confirmed it is closed ( Same as you do with any other service you have in USA ) . 
Since then we have not heard back anything nor received any calls or emails from them about any debt.

about 2 weeks ago our lender ran a report and suddenly a charge of {$630.00} from XXXX appears on our report as collection ( while no one even from collection talked to us ). 
We called XXXX and told them it a fraud as we had no service with them from over 10 years and suddenly the are waking up and trying to bill us for {$630.00} after 11 years!!!!. 
They said we had to sign paperwork to close the account which we have never received. 
Also, they said since its in collection they can not wave anything. 
This is a fraud. It was very convenience of them to keep creating charges after we closed the account so many years ago. Not even sending certified email or priority email, just nothing. 
We hope this will be removed from our reports as we are NOT going to pay this Fraud transaction for a service we closed 11 years ago.
Product: Credit card or prepaid card

I purchased a exercise bike on XXXX-2021 for {$1600.00} and additional insurance for {$59.00}. I rejected delivery and returned to warehouse and have never laid eyes on this item. I filed a complaint earlier this week and was notified by the company the next day and was refunded only the insurance after being told I would receive full refund. Keep in mind that I have been disputing and trying to get a refund for almost 10 months now. I am still owed {$1600.00}. See complaint ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.
Product: Payday loan, title loan, or personal loan

Hello, My deceased parents left my brother & I several Trust Funds being managed by Wells Fargo for almost 21 years. I have terminal XXXX and since XXXX have been asking the Wells Fargo to put in writing the account numbers with the account names which will pass down to my son after I pass away. They have sent me the account names but not the account numbers! They have shown preferential treatment to my brother, because he gives them more money from XXXX XXXX XXXX XXXX  The XXXX sales person / stock broker XXXX XXXX of Wells Fargo XXXX has verbally told me that my son will get about {$1.00} XXXX from XXXX trust and about $ XXXX from another but they refuse to put this info in WRITING! My attorney, XXXX XXXX of XXXX XXXX XXXX XXXX was also unable to get this info in writing.
Product: Checking or savings account

3 nsf fees on XX/XX/XXXXXXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 2 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 1 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a fraudulent charge and they wouldnt let me dispute it. 


This bank refuses to work with us despite current financial difficulties due to my spouses employer refusing to pay due to the business being out of money. I tried to explain our situation and requested they work with us. They stated unless its a merchant or credit union error they will not work with us. I reviewed their user agreement and this is not listed anywhere. All that is listed is : What fees will I be charged if XXXX pays my overdrafts? 
No fees are associated with the transferring funds from savings or XXXX. For each Courtesy Pay transaction, there is a fee charged per transaction. There is no limit on the total fees we can charge you for overdrawing your account. 

In the past few months they have stolen hundreds of dollars in fees from our account.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. Experian was not able to provide proof or proper investigation for the accountXXXX XXXX XXXX XXXX  . It is well after the 30 day to provide said evidence, therefore the account is to be removed as it is now a violation of my FCRA rights. I didnt ask you to provide information from a data furnisher. You all have constantly submitted automated messages and a human is not reviewing or investigating. Thoroughly look through the documents and UPLOAD the documents in the CFPB portal that you have read. I will be seeking damages with an attorney/lawyer for Experian as you have constantly violated my rights and have refused to remove the account.

Again, Delete the account immediately for violating my FCRA rights as you can not provide proof. 

Account- XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been unable to withdraw my money from my Venmo account as a result of being unable to add a bank account to transfer the money to. I made multiple attempts to add 2 different bank accounts through both automatic and manual account verification methods without success. 

I requested assistance from Venmo four times and each request has been ignored, despite the automatic reply to my message from Venmo saying someone would respond to my request within 24 hours. 

The first request for assistance was made on XX/XX/2020. The second request was made on XX/XX/2020. The third request was made on XX/XX/2020. The fourth and final request was made on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX. 
Subject : Demand for Immediate Late Payment Removal To Whom It May Concern, I am writing to formally demand the immediate removal of the late payment from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA XXXX XXXX ( a ) ( XXXX ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this late payment from all credit reporting agencies.

2. Provide written confirmation of the late payment deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXXXXXX XX/XX/XXXX {$1700.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XX/XX/2018 30 day late XX/XX/2018 60 day late Contacted them, they failed to validate the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Debt collection

Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of 143 million Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> ALLY XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Mortgage

In 2016, I applied for a XXXX  modification through Nationstar Mortgage and was required to make three trial plan payments. Nationstar misapplied my TPP, which resulted in the denial of the modification and a wrongful foreclosure action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written can called Equifax numerous time about BK of MO Accounts XXXX XXXX
Product: Debt collection

XXXX set collection company keeps calling and sending me letters. The Old Navy debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least XXXX calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.
Product: Credit reporting or other personal consumer reports

CFPB Complaint : XXXX XXXX XXXX, XXXX, Capital One, and XXXX Complainant : XXXX XXXX Date : XX/XX/year> Summary of Complaint : This complaint addresses multiple legal violations committed by XXXX XXXX XXXX, XXXX ( XXXX ), Capital One, and XXXX. XXXX XXXX has failed to validate the debt despite multiple formal requests and continues to pursue collection without proper validation. Capital One has illegally sold a charged-off debt to PRA without issuing a 1099-C form for cancellation of debt income, which is required by IRS regulations. Furthermore, XXXX continues to report inaccurate and disputed information despite no validation of the debt by XXXX. 

Violations by XXXX XXXX XXXX, XXXX ( XXXX ) : XXXX. Failure to Validate the Debt ( FDCPA Violation - 15 U.S.C. 1692g ) : XXXX did not provide any legitimate documentation or proof to validate the alleged debt after receiving a formal debt validation request. 
XXXX did not provide a copy of the original signed contract between the consumer and Capital One to substantiate the debt.

2. Continuing Collection Activity Without Validation ( FDCPA Violation - 15 U.S.C. 1692g ( b ) ) : PRA continued to report the account to credit bureaus and attempted to collect on the debt without responding to the debt validation request.

3. Misrepresentation of Debt Ownership ( FDCPA Violation - 15 U.S.C. 1692e ) : PRA falsely represented its legal right to collect on the debt without proving it had the proper assignment or legal standing to do so.

PRA failed to provide any documentation from Capital One to substantiate that the debt was legally transferred.

4. Failure to Provide Proof of Licensing in Illinois : PRA failed to show it is licensed to collect debts in the State of Illinois, violating state debt collection laws.

Violations by Capital One : 1. Failure to Issue a 1099-C Form for Cancellation of Debt Income : Capital One sold a charged-off debt to PRA, yet failed to issue a 1099-C form to the consumer for cancellation of debt income.

This is a violation of IRS regulations. According to the IRS Form 3439-A, creditors must report canceled debts over {$600.00} to the IRS and provide the debtor with a 1099-C form.

2. Improper Transfer of Debt to a Third-Party Debt Buyer : Capital One improperly transferred the alleged debt to PRA without informing the consumer of the legal implications, in violation of the Truth in Lending Act ( TILA ). 

Violations by XXXX : 1. Failure to Conduct a Reasonable Investigation ( FCRA Violation - 15 U.S.C. 1681i ) : Despite receiving multiple disputes regarding the validity of the XXXX account, XXXX failed to conduct a proper investigation to verify the accuracy of the information. 
XXXX. Reporting Inaccurate Information ( FCRA Violation - 15 U.S.C. 1681e ( b ) ) : XXXX continues to report the XXXX XXXX XXXX account, even though the debt has not been validated by XXXX. 
XXXX. Failure to Mark the Account as Disputed ( FCRA Violation - 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ) : XXXX failed to properly flag the XXXX account as disputed, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX  opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX I received a settlement letter from First Source Advantage , LLC representing XXXX XXXX for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both XXXX and FirstSource Advantage to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.
Product: Credit card

I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees. 

After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare. 

The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address. 

The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} XXXX XX/XX/XXXX XXXX - {$4400.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

My identity was involved in identity theft and several accounts do not belong to me.
Product: Credit card

Wells Fargo reported me for late payments while having an active investigation as to why I was not receiving any mail or emails from them regarding my statements or when my payments are due. Upon disputing this they informed me that I have other ways I could have found out and paid the debt, to which I informed them I could not create an online account due to bank error with not having my social on my account. Once that was corrected I was able to. Because of these they reported me to collections and now my credit score has tanked for their bank error violating my UDAP rights by treating me different then other consumers. After this I requested to speak with a manager as my case worker just told me that I was wrong and she was right and theres nothing to be done from there. I have requested 5+ manager callbacks from Wells Fargo and have never once received a call from a manager to assist me in the matter. They have also ignored numerous complaints that Ive made and just ignored me while making them.