23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following  particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Product: Credit card or prepaid card

I have been harmed by Synchrony Bank. They have lowered my credit line on my JC Penney account based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on JC Penney accounts have been on time and never late except one payment that was one ( 1 ) day late due to me having internet problems. All open accounts on my credit are in good standing and paid on time.

On the JC Penney account, they lowered my credit line to {$1500.00} from  {$4500.00}. My current balance is {$1500.00}. Their action has caused my credit usage percentage to increase from 34 % to 97 %. 
I have attached my payment activity for this account.My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month. 
I feel this is an unethical practice that has had a damaging effect on my credit. I am requesting Synchrony Bank review their records and rectify this issue to restore my good credit.
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. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX  XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred him money through XXXX. I used BOA, he used Bank of America. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes. So after a hour so I waited he never responds I was buying a cellphone XXXX I just would like my money refund onto my card
Product: Credit reporting or other personal consumer reports

This account was initially charged off in XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history and charge off accounts should NOT include and active payment history. This accurate information falsely manipulates the statue of limitations. You have failed to investigate this account multiple times and are violating my rights. I am strongly demanding a immediate deletion of the following account. 

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

On XX/XX/2022 I received an email through my school email account saying that a professor was offering a research assistant position that would pay {$300.00} weekly. The email said to text the number they provided if I was interested. I texted the number and they asked for my resume and to research certain office supplies. They sent me the list of the office supplies through the professor 's email ( phished ) and told me to create a XXXX form and send it back to them. I sent them the XXXX form and they asked me to check my email for the payroll. I received another email from an individual who works at my school regarding a check. The email told me to print out and deposit the check. Then the scammer texted me asking to send them {$500.00} through XXXX  and that I would be reimbursed the next day. Reluctantly, I sent them the money after speaking to them on the phone and them saying that they will send it the following day. The following day, I looked to see that the check hadn't been processed and was on hold. So I emailed the person who sent it to me and they told me that it was a scam.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX, 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: Vehicle loan or lease

Good afternoon after 2 months trying to reach a payment arrangement with ally finance which during that time every time I called nobody gave me an answer every person said something different and I explained that I had lost my job but did not want to lose car that they would give me some time they would say that if I could get some money they could make me the payment arrangement which I found difficult because I did not have money finally they lent me XXXX and I paid them for a stay for three months which today came a letter and They only gave me a month because in that call I was mistreated for not speaking English  the person who attended me on XX/XX/2019 who made the payment arrangement told me that he will pay English classes and after I learned I made the payment arrangement I desperate I went out and I got a person who will translate me and make me repeat every word in English for me I was discriminated and now I only have one month to pay which were three m This is how I will not be able to lose the car now I ask where are the human rights I asked to speak  with a boss and nobody passed the call simply because I am XXXX and spoke XXXX  thanks for listening to me this started in XX/XX/2019 and it didn't end yet
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Lexis Nexis closed my complaint stating they can not verify me, and that have been sending me emails to verify my identity and I havent responded. That was a lie. They sent me emails to verify my email address not my identity and i have respoinded several times. I have attached a screenshot showing all the correspondence they sent. Additionally how could you not verify my identity when I sent over my passport SS card and bank statement verifying my address and Identity. Additionally the fact that I keep responding to the documentation your sending over to my address which is XXXX XXXX XXXX should also be proof this is my correct address and verify it. You also just removed address from my former complaint and had no problem verifying who I was to get that done. Stop stalling as you have given all the proof I need for litigation. Address my complaint and stop with the i can not verify you. This is my final attemp before me and my counsel proceed with our case. My initail complaint you never addressed was : Lexis Nexis stated they obtained my bankruptcy from the XXXX XXXX court which is not true the bankruptcy court does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party, they used PACER illegally to obtain my XXXX record then they furnished my information to additional credit bureaus XXXX and XXXX. XXXX LexisNexis said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. So LexisNexis is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits XXXX XXXX Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with XXXX forms of ID so that your stall letters can stop. This is affecting me and adding XXXX XXXX to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report formally. I received my on XX/XX/year> and discovered several inaccuracies reporting to my credit file. This is my SECOND time bringing awareness to your company that my credit file inaccuracies are affecting my mode of living causing massive stress. I Sent a dispute in XXXX XXXX XXXX If I continue to get ignored by your company, I have no choice but to take legal action with my counsel ESQ. XXXX XXXX XXXX. I would like to get this dispute rectified swiftly. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : XXXX. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
XXXX. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my consumer report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 
USPS Return Receipt Tracking : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.
Product: Checking or savings account

I was in XXXX XXXX jail from XX/XX/XXXX to XX/XX/2021 and my card was used without my permission. When I got out of jail I contested the purchases that were not approved. My account was credited only for some of the purchases and Credit Karma froze my account and will not let access my funds that were credited back to my card and will not perform an investigation on the other money stolen. They also refuse to close my account and have a paper check mailed to my residence.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX DATE OF INQUIRY : XX/XX/2022
Product: Money transfer, virtual currency, or money service

paypal is refusing me service based on my race, ethnicity and origin. In XXXX I tried to add money to my paypal account and the transaction was not allowed by paypal. so I called paypal the same day and asked why my attempt to add {$500.00} using the add cash at a store feature via XXXX. the customer service rep, whom was not in the US, stated we flagged your account because XXXX people in the US normally don't send as much money as you have recently. In response, I said I wanted to speak to a supervisor in the US and was refused. Today, I again tried to add money at a XXXX and the transaction was not honored. Paypal outsources its customer service to foreign countries which agents make racist remarks and engages in practices that are aimed at depriving US citizens access to its services based on an individuals race. For the last 30 days I have tried to add money to my paypal account at a XXXX and paypal has refused my transactions atleast 15 times, including today XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 XXXX removed an inquiry ( XXXX XXXX ) because they could not find any evidence that this inquiry belongs to me and because XXXX XXXX did not respond to my dispute in a timely matter. I sent a letter to Equifax that they received on XX/XX/2023 asking them to remove the inquiry because according to the FCRA since XXXX removed it they must remove it as well. Equifax claims that their investigation shows that the inquiry is factual. This is FALSE. Equifax has failed to do a proper investigation and is violation of my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing violations of consumer protection laws and statutes by TransUnion, LLC, regarding the handling of my credit report dispute. 

Despite multiple good-faith attempts to dispute inaccurate information, TransUnion has failed to conduct a meaningful investigation as required by law. On XX/XX/2024, I initiated a dispute through TransUnion 's online portal, providing detailed documentation from the creditor, XXXX, confirming the disputed charge was a billing error. This dispute was closed on XX/XX/2024, without any substantive action taken by TransUnion. 

Upon contacting TransUnion directly, I was instructed to resubmit the dispute, which I did on XX/XX/2024. Yet again, TransUnion issued an automated response and closed the investigation on XX/XX/2024, claiming the information was verified. This is patently false, as the evidence clearly demonstrates the charge is erroneous. It is impossible for a reinvestigation to be completed within a single day, especially when the dispute involves multiple parties and requires gathering information from external sources. 

TransUnion 's repeated failure to conduct a reasonable investigation, as well as their reliance on automated responses and form letters, constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection statutes. Specifically, TransUnion has violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable investigation after receiving notice of a dispute from me.

15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports.

15 U.S.C. 1681i ( f ) by failing to provide me with a summary of the results of the reinvestigation.
Product: Debt collection

In reference to Complaint # XXXX, and XXXX, XXXX remains dishonest and does fail to provide any of the documentation requested. PRA is ignoring relevant facts, and continues to harass me, causing an immense amount of emotional distress in my life, ever since they started with this unproven debt back in XXXXXXXX XXXX XXXX BLANK STATEMENTS do not proof that I owe a debt, I have made that as clear as possible, and yet PRA continues to send BLANK STATEMENTS. In a debt collection case, the plaintiff ( PRA in this case ) must prove they own the debt they're attempting to collect. Merely presenting bank statements showing transactions related to the debt does not necessarily establish legal ownership of the debt. The plaintiff typically needs : A valid contract or assignment agreement showing the transfer of debt ownership. A chain of title for the debt, particularly if it has been sold multiple times. AT ALL TIMES REUQUESTED PRA HAS FAILED TO PROVIDE THIS DOCUMENTATION. PRA continues to blatantly lie and continues to violate the FCRA and FCDPA. Legal action is imminent if PRA does not comply and provide the requested documentation.
Product: Debt collection

LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.
Product: Debt collection

Asset recovery solutions has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.
Product: Checking or savings account

I am looking to transfer my HSA balance from XXXX to a new HSA provider. The XXXX website does have a form to easily transfer funds into XXXX, but no form for transferring funds out of XXXX to another HSA provider. 

I have made three ( 3 ) separate calls to their customer support line, each one ( 1 ) hour in duration, and was unable to reach a customer service representative. Additionally, I sent a message through their web portal three ( 3 ) weeks ago and have received no response. I have made several reasonable attempts to reach a customer service representative regarding transferring my HSA funds to another provider, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. Experian has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while XXXX XXXX XXXX XXXX reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. XXXX XXXX XXXX XXXX is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. Experian is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. XXXX XXXX XXXX XXXX has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2012, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$0.00},
Product: Credit reporting or other personal consumer reports

There is so many incorrect information in my credit report that i don recognize as mine, the credit bureaus is reporting a wrong personal information, not mine ... I formally request that the following inaccurate items be immediately investigated.

They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.