23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, Capital One Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. XXXX failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXXIn the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

XXXX having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX County Florida Small Claims Case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made the payment but it did not show on my account. I have A {$0.00}. Balance when I go and log into my acct.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$620.00} XX/XX/XXXX
Product: Checking or savings account

Hi there, I'd like to dispute the recent transactions under my personal and business account on XXXX XXXX 2021 who I have never known without my authorization for {$500.00}, {$400.00}, and {$100.00}, a total of {$1000.00}. I suspect that my account has been stolen and unauthorized XXXX transaction records. At the same time. Please assist me to apply for insurance ( FDIC ) to cover for me to take all my money back. Without that money, I can't pay off my wife 's delivery outstanding payment. This is a huge impact on my family, affecting our lives and work. During the years I have served in the XXXX XXXX XXXX, I've stuck to my duty to defend the country. Our family really needs this money to make life. While I'm working hard to serve the country, I really hope that CFPB can help me to get back the money. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have almost 11 inquiries on XXXX  report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.
Product: Debt collection

XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called Amsher posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " AMSHER ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at Amsher who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' XXXX ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
Product: Money transfer, virtual currency, or money service

Paypal failed to disclose all the requirements needed for the person to receive money. I wanted to try this service and read all the requirements they set forth however now they inform me the recipient must have a bank account or a credit card. She is a student and has neither. Had I read this information I would never have sent the money via Paypal. There are many other companies available. 

Transaction made on XX/XX/2018 Your recipient should have the money by XX/XX/2018. 
Paid with PayPal balance Transaction ID # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue
Product: Checking or savings account

I opened a Citi Checkings & Savings account with a {$500.00} promotion for meeting certain requirements. I met those requirements for the {$500.00} bonus and Citi closed both my accounts and did not pay the agreed upon bonus.
Product: Vehicle loan or lease

I was charged higher the normal on Finance charges. The car was financed at 26.29 %, Interest, Which doubled the cost of the car from {$15000.00} to {$30000.00}. From XX/XX/2013 To date, I have made payments on nothing but interest, and principal has not been paid down, despite additional payments and over payments, nothing has been applied towards the initial billing, Adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've been attempting to close my Bank of America account since XX/XX/XXXX. Despite reaching out to the automated service XXXX times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), each instance was met with claims of system issues hindering the closure process. The company 's proposed solution was for me to visit a local branch. However, residing outside the U.S. makes this suggestion logistically unfeasible. In the meantime, monthly account maintenance fees continue to be charged, exacerbating the frustration of this ongoing situation.
Product: Debt collection

I received a XXXX from my XXXX XXXX on XX/XX/2016. The balance was paid in full, as I have confirmed with XXXX XXXX XXXX. I received a mailed notice from CMRE Financial Services attempting to collect a debt of {$200.00}. They would not provide me with any additional information about the debt accept that it was from a XXXX done on XX/XX/XXXX. I only received one XXXX at that time. I confirmed with XXXX XXXX XXXX that there is no remainder owed, additionally they confirmed that CMRE is not a company they use for debt collection.
Product: Vehicle loan or lease

I signed for this loan on my vehicle on XX/XX/XXXX in the amount of {$56000.00}. The final payment on the loan was made on XX/XX/XXXX. At that time, the company provided an estimate of mailing of the title within 10 business days. As of XX/XX/XXXX, I have not received the title. The company 's website now states : " If youve recently paid off your account and havent received your title yet We are currently experiencing a delay with releasing some vehicle titles. We're so sorrywe know how frustrating and stressful this is. 
It goes without saying that this issue is our top priority. We will provide updates here as we have more information. When it comes to your satisfaction, you deserve better. We're grateful for your patience. 
For immediate questions surrounding your title, view our FAQs. 
If you have an urgent matter, the best way to reach us is through the Help Center. '' I contacted the company on XX/XX/XXXX to obtain an estimate on the date I would receive this title. 

The response on XX/XX/XXXX was : " Thank you for contacting Audi Financial Services. We sincerely apologize for the delay and appreciate your patience. 

We are currently experiencing delays and are unfortunately unable to provide an accurate title processing time. We understand how frustrating this is and apologize for the inconvenience this has caused. We are working diligently to get these titles processed as efficiently as possible and are grateful for your patience. 

If we can be of further assistance, please do not hesitate to contact us through Message Center or call our Experience Management Department at XXXX. The answers to many common questions and a number of self-service resources are available 24 hours a day, 7 days a week through the online portal. '' I have not received any notification of the reason for the delay or the estimated date of resolution.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Venmo regarding a recent incident of fraud and the subsequent denial of my claim for reimbursement. I believe that the denial is unjust, and I am seeking your assistance in resolving this matter. 

Incident Details : Transaction Date : [ Date of the Transaction ] Transaction Amount : {$250.00} ID : XXXX Payment Method : Venmo XXXX XXXX XXXX Description of the Incident : I made a purchase of gift cards on XXXX XXXX using Venmo 's XXXX XXXX XXXX method for payment protection. Unfortunately, I fell victim to a scam, and the scammer not only failed to deliver the promised goods but also blocked me after receiving payment. I promptly reported the incident to Venmo, providing detailed proof and screenshots to substantiate my claim. 

Previous Claim : It is important to note that I have successfully filed a similar claim in the past with Venmo for a lesser amount, and it was approved. The key difference this time is that I used my Venmo balance for the payment, leaving me unable to dispute the transaction with my bank. 

Proof Submitted : I have attached all necessary documentation, including screenshots of the XXXX XXXX conversation, evidence of the promised goods, confirmation of the Venmo payment, and subsequent blocking by the scammer. These documents clearly illustrate the fraudulent nature of the transaction. 

Venmo 's Response : Despite presenting compelling evidence and highlighting the similarities to a previously approved claim, Venmo has denied my request for reimbursement. The denial is perplexing and leaves me without recourse for recovering the funds that were fraudulently taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX card services account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Bank account or service

I am with Iberia Bank. My branch location is the XXXX XXXX XXXX. I set up a " push '' draft with Iberia for direct deposit to my landlords account with XXXX XXXX. In XX/XX/XXXX I called to find out why the draft had not occurred. XXXX XXXX in customer service told me that the draft rules had changed. The new protocol for bank drafts would allow only XXXX draft attempt, and if the money was not available at that time, then the draft could not be processed. 
I told XXXX on the phone that I did not want to use the service any longer. I continued to handle my payments monthly. On XXXX XXXX, 2016 {$5800.00} was drafted by Iberia Bank from my personal bank account and supposedly deposited to XXXX XXXX 's bank account. She is my landlord. 
XXXX XXXX contacted my landlord, XXXX XXXX, and explained the situation, and asked her if she would mind reimbursing me for the XXXX deposits of {$1900.00} each. 
XXXX was very apologetic and said that Iberia Bank ( powers that be ) changed the rules, and he did not know anything about a " rule change. '' He apologized profusely and said that he was willing to do whatever he could, and would be happy to pick up a check from XXXX XXXX himself. 
XXXX checked her bank account and could only see XXXX deposits, not XXXX. 
My personal account at Iberia still shows that I am overdrawn for {$1900.00}. XXXX XXXX said that there is nothing he can do about it! 
The powers that be, told XXXX that they could not do anything to return my money because the money had already deposited into her account. I Today I remain overdrawn for {$1900.00}. XXXX XXXX confirmed this morning that the money is not in her account. Can you help me? Thank you, XXXX XXXX
Product: Checking or savings account

I order from XXXX XXXX order on XXXX and the driver did not deliver it to me. It was delivered to the wrong address. I was communicating and trying to get her to the correct address and she still delivered to the wrong address. I have proof of this order and XXXX more of where I was over charged and was supposed to get refunded and they refused.
Product: Bank account or service

I answered a solicitation to have my personnel vehicle wrapped in a particular logo earning $ XXXX/week for 12 weeks. The sender mailed a check to me for {$2900.00}. This was to give the first week 's payment ( {$500.00} ) and the rest was to use towards the installation process ( {$2400.00} ). I was to send {$1200.00} ( XXXX ) to ( XXXX ) different people, using XXXX to send the money. This was part of the scam, stating an installation team would show up at my residence to wrap my vehicle and then remove the wrap after the 12 week period. 
When I received the check, I used the Navy Federal Credit Union ( my bank ) " edeposit '' method to deposit the check into my checking account. On " good faith '' NFCU honored the check within 2 days. On the third day, NFCU found the check to be fraudulent and took {$2900.00} from my account. I have filed a police report about the solicitation scam and realize I have loss that money. If NFCU would have not on " good faith '' put those funds in my account, I would have never proceeded any further.
Product: Debt collection

Beginning on XXXX XXXX, ( 3 days ago ), I began receiving " robo-calls '' from phone number XXXX. A recording begins, identifying the caller as " XXXX XXXX '' and stating that he 's contacting me about " an important legal matter '', and that I should press 1 to be connected to a representative. I believe this is a shady collection agency scam, since no reputable company would fail to identify itself and attempt to imply that it had " legal matters '' to discuss, in this manner. Years ago, I had used payday loans, and this reminds me of the collection tactics that were employed by those firms. I do n't owe anyone money and I 'm getting tired of this harassment. They are calling my cell phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH TRANS UNION I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY  DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XX/XX/XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXXOF XX/XX/XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XX/XX/XXXX OF XX/XX/XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XX/XX/XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XX/XX/XXXX OF XX/XX/XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XX/XX/XXXX OF XX/XX/XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XX/XX/XXXXOF XX/XX/XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XX/XX/XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XX/XX/XXXXOF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XX/XX/XXXX OF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY TRANS UNION CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XX/XX/XXXX. WE ARE IN THE MONTH OF XX/XX/XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT TRANS UNION TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH TRANS UNION AND UPDATE MY CREDIT REPORT ACCURATE.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX i have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX NC XXXX or XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As it states in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and used my info to open up fraudulent accounts.
Product: Vehicle loan or lease

Please note, Toyota Financial Services is the brand name of Toyota Motor Corporation. 

In XX/XX/XXXX, I agreed with Toyota Financial Services to extend my lease on a month to month basis for a maximum of 6 months. 
I made my last monthly payment on XX/XX/XXXX in full amount of {$160.00}. This payment would give me the right to use the car until XX/XX/XXXX. 
On XX/XX/XXXX, I turned the car into the dealership to end my lease. On XX/XX/XXXX, Toyota Financial Services sent me a letter acknowledging that my car had been returned. As a result, they should have sent me a final bill for the lease termination amount less any credits for being under mileage. 
On XX/XX/XXXX Toyota Financial Services proceeded to bill me another {$160.00} assuming I still had possession of the car. This is in despite that the dealership bought the car from Toyota Financial Services after I had turned the lease in. 
On XX/XX/XXXX in a phone call with Toyota Financial Services, they assured me that it was a mistake, my account would be closed, nothing would be reported to the credit reporting agencies, and they would send me the bill for the termination fee. 
On XX/XX/XXXX, I received notice from a credit monitoring service that Toyota Financial Services has been flagged as delinquent by XXXX. Toyota Motor Credit Corporation has reported me to a collections agency. 

On XX/XX/XXXX, Toyota Financial Services sent me a letter with my transaction history. The second to last transaction is titled, " Lease Termination Reversal '' and Toyota Financial Services is attempting to bill me for a car that was returned to them on XX/XX/XXXX that they then subsequently sold to the dealership for resale.