23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX on XX/XX/2023 stating that I owe a debt to PayPal in the amount of {$110.00} I have never taken part in any transaction via PayPal for {$110.00}. Additionally, there is no proof of any transaction for that amount in my PayPal history. This is a fraudulent claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

Please be advised that I am requesting that the account # XXXX with Comenity/ Victoria 's Secret was sold to XXXX. XXXX advised the debt was settled/ paid in full and any negative remark or tradeline with their name would be removed. However, when contacting Victoria Secret they will not remove the trade line from the credit report services. They also advised that I would have to wait to see if it can be reviewed. I asked XXXX if they can send them a letter indicating that the debt was satisfied and the associate stated that they could not and that conversations would have to be held with the original creditor in order to get everything updated and displayed accurately on credit report. 

Please note that a letter has been sent to comenity bank at the following address : XXXX XXXX XXXX XXXX OH XXXX and the phone number given was XXXX. Please note when a verification letter was sent to victoria secret they advised that the account was sold any questions comments or concerns regarding the removal of that account off of credit report would have to be taken up with XXXX XXXX XXXX XXXX. Please note that an email was sent on XX/XX/2020 was sent for an email copy of this request to XXXX. In that email it outlines the request for a copy of the release of debt letter so it can be forwarded to the original creditor who advised they no longer own the debt but still shown as a tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXXXXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Checking or savings account

In XXXX XXXX/XXXX/XXXX I opened a checking account at Webster Bank XXXX University brunch located on XXXX XXXX in XXXX. The terms offered by the branch manager XXXX were a {$350.00} dollars bonus after 4 months on the deposit of {$10000.00} dollars. I made a deposit of {$15000.00} dollars. 

After I checked with the bank in a few months I was told that the information was incorrect and XXXX made a mistake. The terms actually were 6 months. I checked the terms that I received in the day of the original deposit and it said the bonus will be credited to my account on XXXX XXXX, XXXX. 

After I waited another two months Webster bank did not issue a credit on XXXX XXXX, XXXX. After I contacted the bank I was told by the service representative that there is no bonus and I will not be getting anything. 

In a last two weeks I had been trying to resolve this with Webster bank through numerous attempts to contact anyone from branch manager to their upper management. The new branch manager in the location where the account was opened is not answering my calls and not returning my calls. A few times I spoke to him I was told that there was some kind of the mistake and it will be resolved shortly, but it has been two weeks. 

I was able to get a hold of a market manager for the XXXX market. I believe his name is XXXX XXXX and his number is ( XXXX ) XXXX. He was very rude, but promised to resolve the situation. It has been 10 days and nothing has been addressed. He is no longer answers my phone calls. 

I also reached out to the corporate office for Webster banks and spoke to XXXX XXXX XXXXenior vice president of Corporate Communications and Public Affairs XXXXXXXXXXXX. She asked me to email her the information and promised to get back to me right away. It has been more than 10 days and she is not answering her phone, not returning my phone calls, and not replied to my email. 

I tried to address the situation with Webster Bank phone customer service multiple times and they are not aware of anything and refer me to the branch where the account was opened. 

I contacted the Webster Bank headquarters and XXXX CT. The bank official I spoke to took my information and also promised to resolve the situation. I have not heard back from him either in more than 10 days. 

I do not know what to do at this point. As of today, XXXX XXXX, XXXX, I still has not received anything ... I opened an account and made a large deposit to Webster Bank on the consideration of the bonus. This now clearly became a fraud on part of Webster Bank. The bank is using my money for more than seven months and not fulfilling their obligation. Management ignores me and does not care. It I close the account I will certainly not get the bonus from them. Even if I get the bonus at some point this is not what the banks advertised and promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 auto loans with the same company. All loans were paid and closed in 2013. The date of last action on my credit report should be between X/2013 and XX/2013 however i just got notice from Experian that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
Product: Credit reporting or other personal consumer reports

Company wont properly verify a debt they say i owe. Wont provide me proof of debt. Just sends me interest rates and not my original contract
Product: Credit reporting, credit repair services, or other personal consumer reports

When our state closed down my business was force to close and I had no income, I contacted all my debtors and notified them that I would pay what is owed when our state opens back up. All agreed and followed through except one who I contacted two weeks in beginning of XXXX. I called and told them and they said it was ok and to just get caught up when we reopened. I told them this was not my fault. When I called the call center was backed up and and they were trying to rush through my call. The business was XXXX XXXX. In 90 days I totally paid off the account in whole and they did not close it as requested on the phone while making the payment. They then reported me 90 days late and delinquent. It has not updated. In months and I requested a investigation to clear their error and they have not done so. This is the only company now refusing to change my credit account rating on XXXX XXXX which is ruining my credit rating for any future credit. I only carry two credit cards and both are paid off monthly and I have one car loan. They refuse to admit their error when they told me they would not ding my credit due to COVID 19 shutdowns. I just want them to show on the report it was paid and that I did call for assistance on time to pay.
Product: Bank account or service

American Express reported a collection account on my personal credit report even though the collection account is not my personal account. The borrower on the subject American Express account is a corporation which is " XXXX XXXX XXXX XXXX XXXX, XXXX '' and has a corporate tax id # of XXXX. Thus, this corporation, and not me individually, is the borrower. Because I am not personally the borrower the reporting information has no reason to reflect on my personal credit report ( My social security number is XXXX ). The corporation is the borrower, not me, and is a separate and distinct legal entity under Florida and Federal law. ( the corporation is a Florida corporation ). The account number that is being reported that belongs tot he corporation is XXXX XXXX XXXX XXXX. For whatever reason the account number that is reflected on the attached statement is different but notice the amount that is stated on the credit report {$30000.00}, is the same exact amount as on the attached statement. It is in fact the same account.
Product: Credit reporting or other personal consumer reports

A data breach has accure an i have zero recollection of thing on credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Attached is a debt validation letter addressed to Jefferson Capital Systems , LLC. 
This was furnished on my credit report without my written consent and was not validated according to my consumer rights found in 15 usc 1692g. It also states in 15 usc 1692g ( c ), that the failure to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I also received a debt collection letter with multiple FDCPA violations which are listed. Each violation is up to {$1000.00} fine per violation according to 15 usc 1692k ( A ) ( 2 ) ( A ). My federally protected consumer rights have been violated on multiple occasions.

15 usc 1692b ( 5 ) 15 usc 1692f ( 8 ) 15 usc 1692g ( c ) 15 usc 1692e ( 10 ) 15 usc 1692b 15 usc 1692e ( 11 ) 15 usc 1692e ( 2 ) ( A ) I request you remove this alleged debt from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account from my credit report due to inaccurate information. On XX/XX/XXXX the account in question was removed from my credit report. On XX/XX/XXXX the item reappeared on my credit report with a different amount owed. If on XX/XX/XXXX it was completely removed, how can you come back and place it back on my report. The initial request from this company via MVA was to submit paperwork requesting information due to my vehicle not being able to be moved is why the relapse happened in the first place. In which I submitted the proper paperwork in XXXX. My State income taxes were still intercepted in lieu of this issue.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX AND XXXX to be removed. 

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

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

XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.
Product: Debt collection

This account was never billed to my address, I have never used this service, XXXX XXXX never proved that I own this account. I have never received a statement or a bill for this account at my home address. I have never received one document from XXXX XXXX asking for payment for the aforementioned account and I tried to dispute with no avail. I demand this removed from my credit report as there is no proof this is my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account Not Mine Account Number : XXXX Company Name : XXXX Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report. 


Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit card

In XXXX XXXX XXXX I rented a car via XXXX for XXXX XXXX at XXXX XXXX XXXX and received confirmation via XXXX and XXXX XXXX XXXX for {$690.00}. My flight was delayed ( XX/XX/XXXX ) so when I arrived at the airport the XXXX counter was closed. I had to take an XXXX and then went back to Airport the next day ( XX/XX/XXXX ). The girl at the counter was having trouble in their operating system and had to ask me for my confirmation XXXX XXXX another agent helped her. I returned the car to the same parking lot I retrieved it from on ( XX/XX/XXXX ). Although I was enrolled in XXXX ( drop your key in drop box ) the counter was open and I returned my key at the counter and was told that my statement would be mailed/emailed to me. I never received it. On XX/XX/XXXX I was reviewing my bills when I noticed XXXX entries pending on my Citi Statement XXXX charges and XXXX refund all from XXXX posted for {$1400.00} - I called Citi right away and the agent states that they suspected fraud and he closed my card and issued a new one. I then received XXXX conditional credits to my account. On XX/XX/XXXX I received ( XXXX ) Dispute notifications with XXXX different case ID # 's. I was asked to sign that I recognize charge or do not and return with additional information. I did that on XX/XX/XXXX and on XX/XX/XXXX I received XXXX notifications that my case was closed ; however, those notifications were for the {$690.00} charge that I did recognize and both notifications had that case ID # and charge yet they re-charged my accoun t for {$690.00} recognized charhe and {$910.00} unrecognized charge. I emailed for a follow up on this on XXXX and received no response, I then called and spoke with an agent on XX/XX/XXXX that sent over notification for a follow up. On XXXX I called the XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to an agent XXXX that stated she was sending a notice to re-open my case. I have heard nothing, I called again today to be told the same thing. I am aware of over XXXX complaints against XXXX, I would assume that a special fraud department would also be aware. I find the resolution and lack of response unacceptable in nature and timeframe. XXXX  months to resolve?
Product: Credit reporting or other personal consumer reports

Inaccuracies in disputes requested. Allowing information to be added to my report by debt collectors that are repeatedly selling my credit information to different collection agencies that try to collect debt I do not owe them. Also allowing them to add new information to further damage credit directly after initial disputes filed against them. 

I have attached a letter in regards to requesting a formal dispute of inaccurate reporting below as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification that XXXX was a new account on my consumer credit reports. 
This account was previously deleted back in XXXX and I did not receive a notice from Equifax nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with PORTFOLIO RECOVERY ACCOCIATES, LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. PORTFOLIO RECOVERY ASSOCIATES , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt Collectors Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : 1. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. 
2. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect. 
XXXX. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately. 


Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : 1. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies. 
2. Correction of Credit Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks. 
3. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account. 

I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX ]