23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> FirstSource Advantage , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Final Demand for Verification and Removal Due to Inaccurate Reporting Dear To Whom It May Concern, This letter serves as my formal and final demand for FirstSource Advantage , LLC, to provide adequate verification of the alleged debt and cease reporting it to any credit bureaus if validation is not provided. This request is made under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I previously requested validation of this alleged debt and expected a response in compliance with the FDCPA, which mandates providing sufficient verification and details beyond a mere bill statement. The law requires the original creditors identity, amount owed, and validation that this debt belongs to me. Providing a statement or account summary does not fulfill these requirements, nor does it substantiate the accuracy of the debt. 

As FirstSource Advantage has failed to provide proper validation, I demand that : All inaccurate information be removed from my credit report within 15 days of this letter, as its continued reporting constitutes a violation of the FCRA and may result in damages to my creditworthiness. 

No further contact be made with me about this alleged debt, as outlined under 15 U.S.C. 1692c ( c ) of the FDCPA. I hereby issue a formal cease-and-desist on all communications regarding this matter. 

Failure to comply will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue all available legal remedies for violations, including damages under 15 U.S.C. 1692k. 

Please consider this letter as my final demand to resolve this matter amicably. I expect prompt and full compliance to prevent escalation. 

Sincerely, XXXX XXXX
Product: Debt collection

Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion still showing the accounts are not paid.
Product: Credit card

I have a bank of America card. 

I had rewards that I credited to my account in the amount of {$10.00}. 

This lowered my account balance to {$49.00} and posted on XX/XX/year>. 

I then made a payment of my account balance of {$49.00} on XX/XX/year>. 

Bank of America charged me {$60.00} instead of {$49.00} and credited my account afterwards with the rewards of {$10.00} They moved money around and stole from me. 
I have a screenshot of the rewards on XX/XX/XXXX being posted and a new balance reflecting. After paying the balance they charged me the original amount and credited my account the rewards. 

Now my account has a negative balance because they took my money.
Product: Debt collection

Spire Recover Solutions is a debt collection company. They contacted me via email which was filtered as spam. Never once did they send me a letter via mail or contact me via phone. On XX/XX/2022 they contacted me by phone foe the first time. Less than an hour later they began contacting former school classmates and people who had no current association with me claiming they were calling from the SRS Office in regards to me. This is completely unacceptable, illegal, and immoral behavior. Do you have any idea how mortifying it is to have someone you haven't spoken to in years contact you to ask if you gave his number to a debt collection agency? I never even had a chance to return their call before they were broadcasting to the world I had a debt. When I did attempt to return their call, they did not answer multiple times.
Product: Debt collection

XXXX XXXX XXXX of XXXX was notified on XX/XX/22 of cancellation of membership and any association with the business. Membership would be cancelled. Reply noting receipt of cancellation received by XXXX XXXX XXXX on XX/XX/22. 

On XX/XX/22 I received a call from a collections agency who did not state their name but stated calling on behalf of XXXX XXXX XXXX  for the amount of {$870.00} and stated that this would affect my XXXX XXXX even though I cancelled prior to incurring any of these charges/fees. Agency phone # XXXX. 

On XX/XX/22 I sent mail and email to XXXX XXXX notifying that any communications from them or parties on their behalf will be viewed as harassment and I will seek legal counsel to protect me from such harassments. 

This serves to notify that I have received no goods or services for the amount to be collect and that I have, hold and want no association with XXXX XXXX XXXX of XXXX or any associated parties.
Product: Credit card

My family and I were on vacation in the XXXX XXXX and were told that we were purchasing " part of a travel agency '' who's parent company was XXXX or XXXX. We got home a researched them and realized that they completely misled us with blatant lies. We asked USAA to stop payment immediately and disputed the transaction. We tried to get the vendor to refund us, but since it was their intent to misled us and rip us off, they did not refund our card. We told USAA representatives that they were actively deceiving us and could not be trusted. USAA told us that the vendor had signed paperwork from us, which is correct. However, we signed this under the assumption that they were part a reputable U.S. company XXXX XXXX XXXX XXXX which again is how they got us to sign. They are liars and looked to deceive us from the start. We informed USAA of this and they refuse to help us.
Product: Credit card or prepaid card

I own a store credit card for XXXX XXXX XXXX XXXX under Synchrony Bank. The balance on my card on XX/XX/2019 was {$170.00} in which is was paid in full the very same day. However my credit report fail to reflect my current balance of {$0.00} as of XX/XX/2019. 

I issued a dispute through XXXX XXXX and sent it to XXXX in which I have received no response. Any help in adjusting this balance would be greatly appreciated!
Product: Vehicle loan or lease

I refinanced my car with XXXX XXXX and the payoff check has been sent in twice now, neither time has the check been cashed and I've received Calls demanding payment or telling me that my credit score will be compromised and my car repossessed despite the fact that the company is simply not cashing the buyout checks. The first buyout check was sent in XXXX, was not cashed and therefore after a month a stop payment was placed on that check. Another check was sent to them on XXXX and I have confirmed receipt on XXXX from my refinance company who has the tracking information from XXXX that it was delivered. I am told that the hold up is because my refinance company hasn't issued a new check which is false. I also was contacted by Bridgecrest to inform me that the check was received and that there was a {$140.00} or so difference between the check and the actual buyout amount which I paid over the phone and was told that my account was resolved. You can even see on my loan payment history that the buyout check was applied and then removed and further late fees were assessed after that happened as well. My refinance company tells me that they have a number of clients that this very same situation is happening to with regard to refinance from Bridgecrest specifically and frankly it feels like retaliation for refinancing my vehicle. I need this issue to be resolved with no detriment to my credit. I am being fed contradictory information from my original financer ( Bridgecrest ) and my new financer company ( XXXX XXXX ) is very frustrated at this situation as well as they are dealing with a number of accounts experiencing this exact issue.
Product: Credit reporting or other personal consumer reports

I did NOT ASK FOR ANY INVESTIGATION A COMPLAINT was filed XXXX XX/XX/2023 for FCRA VIOLATION. 

I asked them to provide me ( the consumer ) my written consent to sell my personal information to a third party. They has failed to provide that information. 

THEY HAVE NONE. 

Again, I HAVE A RIGHT TO PRIVACY. 

TransUnion is willfully exercising deceptive means by responding to conduct a investigation that was NOT asked of them to DEFLECT their Violation. 

THEY ARE IN VIOLATION. 

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance TransUnion BEEN PUT ON NOTICE. 

I look forward to seeking Counsel for the violation.
Product: Credit card

I believe I have reported before to XXXX and Chase this matter. I have a monthly charge from XXXX XXXX on XXXX of every month. We, my son and I, do not remember at all what it is. If it is my son 's game, I must have cancelled ; even though I believe he has used only free games. When I filed before, I checked XXXX XXXX. store and subscription, and I found I did not any subscription. Since I wondered again that there was another charge of this company, I tried to check XXXX again ; somehow, I could not get the authorization verification since I did not remember the password. Still, I could not open XXXX subscription site. Therefore, I have decided to check Chase itself and started the dispute. I realize every month the names of merchant type and category were different along with company name ; it called itself XXXX XXXX or just XXXX. It describes itself 'computer programming and design services, ' 'digital gemes, ' 'Cable and paid television services, ' and 'computer software store ' for its merchant type. And it calls itself 'professional services, ' 'entertainment, ' 'bill & utilities, ' and 'shopping ' for category. Since I do not remember what is this charge and company, I can not guess at all what is this company, whether it relates with XXXX XXXX ' and why I have charged this company about {$11.00} for years. I can not say at all how long I was charged, since the record of Chase starts from XXXX of XXXX. I tried to dispute all monthly charges, but I could not.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports however Transunion is reporting this information. Reporting excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. I need the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports as of right now/immediately. I do not want a reply stating that this account has been " validated/verified '', to frank and clear, I am not asking you to validate or verify anything so do not waste my time responding with such tactics. Also negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A Information Referral AND IRS form 211 Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a XXXX day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
Product: Consumer Loan

I took out a lease with GM Financial and paid the lease off in full by refinancing. I received a notice that my payments were not made. I contacted GM and they finally corrected their mistake but they had already reported this to the credit agencies. GM advised they would have this removed from all of my credit reports. They sent me a letter dated XX/XX/2016 that all the credit bureaus had been notified. 
Today I received a notification from XXXX indicating I was late in my payments to GM. XXXX has corrected this and I have not received the recent report from XXXX to see if they have corrected it. 
Despite repeated efforts on my part GM ignored the fact their lease had been paid and continued to notify the credit bureaus I was not paying my lease. 
Please take action against GM
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.
Product: Mortgage

Ocwen Loan Servicing, LLC Loan number # * XXXX Attempted XX/XX/XXXX to intimated into Modification and is attempting to force us into Modification again, we have wrote this company we are not interested in any Modification then they State will send papers to Bankruptcy DEPT to obtain authorization? We will not sign any paperwork for any type of mortgage with this company. 

XXXX XXXX vs. Ocwen Loan Loan Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Billed Statement XX/XX/XXXX Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX 2 Payments. {$560.00} x 2 = {$1100.00} Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX Payment XX/XX/XXXX Operator : XXXX. XXXX XXXX EST Paid on : XX/XX/XXXX - Paid by : XXXX XXXX M.T.C.N # XXXX Payment Amount : {$560.00} x 2= {$1100.00} Written on XXXX XXXX Carbon Copy : Attention : XX/XX/XXXX and XX/XX/XXXX [ XXXX XXXX Default Notice Letter : VIA # XXXX Reference Code : 1201 Federal Law States Customer must be full 30 full days in default before a letter is to be mailed out. ] Postmarked : XX/XX/XXXX. 
Image Postmarked : XX/XX/XXXX Delivered signed XX/XX/XXXX. 

XX/XX/XXXX Payment XX/XX/XXXX Payment XXXX Payment Amount : {$760.00}, Confirmation Number # XXXX Additional Funds included with Payment for : XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} [ XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX ] Late Charges Paid twice ( 2 times ) {$28.00} x 2= {$56.00} XX/XX/XXXX and Concern : 1 Previous Servicer Fee : {$88.00} was Paid to : Ocwen Loan Servicing wS not applied as Previous Servicer Fee, Ocwen Loan continued to charge for this fee paid on : XX/XX/XXXX. 
[ In Error : Ocwen Loan applied as Principal Payment. Review below Frame # 1 Image Recent Account Activity : XX/XX/XXXX Payment XXXX under the Principal Column, this was not a Principal Payment. 
It was paid as : Previous Servicer Fee Only! 
Concern : 2 Paid : XX/XX/XXXX charged as Fee. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00} XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$67.00} Concern:3 Where did this {$67.00} Previous Servicer Fee come for from? On XX/XX/XXXX the only Previous Servicer Fee that was owed Was {$88.00} and was paid on XX/XX/XXXX. 
Ocwen Loan continued to charge for fee paid for additional 7 months. 

Ocwen Loan has failed to submit successfully payments and over payments we have paid in past years, we requested Principal balance which they have not sent? XXXX XXXX they were paid over {$15000.00} in payments until each payment is credited correctly there will be no modification papers signed.
Product: Checking or savings account

Notice : Banco Popular XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have issues with the bank above. On the following description dates below. Here is the items, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I consumer discovered Fraudulent Activities on my Checking and Saving Account. Banco Popular Bank Failed and Refused to Disbursed my Funds for Payment to all my monthly merchants Account. It caused me the consumer high charges and late fees. I consumer tried to Resolved dispute with bank above. They Failed and Refused to work a Relationship with me the consumer. Notice it caused me Financial Reputation the bank informed and instructed to others companies that i consumer do not have funds in my Account which I do by a volume of deposit slips to show. Debit Cards was deliver out in my name without my Consent and I am a Senior, Victim of Identity Theft and ABUSIVE.
Product: Credit card or prepaid card

In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX  and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. 
I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX  AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.