23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXXXXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to XXXX XXXX XXXX requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that XXXX XXXX, XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXXXXXX rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Product: Debt collection

Complaint to CFPB : XXXX and XXXX XXXX XXXX XXXX. Garnishment Notification : On XX/XX/year>, I discovered that my wages were being garnished through my employer. The garnishment stemmed from a judgment filed in XXXX XXXX XXXX by XXXX XXXX, XXXX. 

XXXX. Lack of Notification and Improper Service : I was never notified of this debt and was never served with court documents. Additionally, I have never resided in XXXX, OH, where the judgment was filed. I submitted evidence to the court, including my current address and proof that I was not served. However, the court allowed the judgment to proceed, and my wages were garnished. 

XXXX. XXXX XXXX : The garnishment process concluded on XX/XX/year>, with the final payment being made. 

XXXX. Subsequent Collection Attempt : On XX/XX/year>, I received another collection notice from XXXX XXXX, XXXX for the same or a related debt. 

XXXX. Debt Validation Request and Response : On XX/XX/year>, I sent a certified letter to XXXX Funding, XXXX requesting validation of the debt. On XX/XX/year>, I received a response. However, the response only included minimal information : the date the account was opened, the amount owed, the charge-off date, and no date of purchase for the account. 

XXXX XXXX : I was never properly served or notified of the initial judgment, violating my due process rights. 
The garnishment proceeded despite evidence, I submitted showing I was not served. 
The collection agency initiated a subsequent collection attempt without providing adequate debt validation. 
Desired Resolution : I request that the CFPB investigate this matter to ensure compliance with federal and state laws, including proper notification and validation requirements under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I seek confirmation that XXXX Funding, XXXX has provided all required documentation and that no further improper collection actions are taken against me.
Product: Checking or savings account

On XX/XX/XXXX my Purse was stolen while on vacation in XXXX XXXX while dining at XXXX XXXX. The content of my purse included my Wallet, Cell phone, passport and over {$600.00} in cash. Once I returned to the United states, I noticed unauthorized transactions on my credit card and debit cards. 

I contacted well Fargo regarding the fraud transactions. I filed a claim with XXXX XXXX on XXXX XXXX 2022 for {$1600.00} I was told it would take 10 days to investigate the claim. After 10 days, I receive a letter stating the claim was closed and it did not appear as fraud. The letter read : telling me that they believe the transaction was made by me or someone authorized by me. 

After receiving the letter, I reached out to Wells Fargo to have this claim reopened. After speaking with a representative and explained that my phone, Wallet and passport was in my purse and stolen, She stated, she would get this case reopened. I followed up with Wells Fargo after on XX/XX/XXXX. and I was told that my claim would not be reopened and they did not need to disclose the reason for the denial. Then I was told they would send me a request for Documentation and it will take 30 days to get the request form. 

I asked to be transferred to a resolution specialist. I was then ask to send it the police report and other documentation showing the property I was staying at the time in XXXX. I submit this information on XXXX XXXX. 

I contacted Wells Fargo on XXXX XXXX to make sure they received all the documentation. I was told they received the proof and documentation but the claim will remain closed. 

I have repeatedly asked what else do they need to prove these transactions were fraud and I did not authorized anyone to use my card for a hotel room or to withdraw money from an ATM. 

After submitting all the request information, My claim was still denied. I'm not if XXXX because my bank do not care I was robbed. I was told to contact the police department and they could possibly help me. The Police department told me to contact me bank due to the fraud.
Product: Debt collection

I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX  XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.
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 that 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. 
I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. 
I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. 
She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. 
{$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. 
I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. 
I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. 
In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX - XXXX - {$17000.00} XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Personal Information Former : XXXX XXXX Employers : XXXX XXXX
Product: Debt collection

I would like to file a complaint against Portfolio Recovery Associates they have been trying to collect a debt that is not mine I have asked him on several different occasions to please not call me or contact me and they have sent me letters they have sent me of text messages they even called my job looking for me and you know what this is all for a dad that I asked them to show me proof and I asked for them to validate it and they were unable to do so they sent me just one letter saying this is what I owe and that it was something that they bought from another creditor but they did not show me any original documentation I did not show me my signature they didnt show me anything that I requested and all I want is either proof that this is in fact my dad because I do not recognize it and I when I say proof I want original documentation I want to see that theyre probably not allowed to collect in my state license in my state and I want you know everything that theyre supposed to show my lawyer in the FCRA that they did not show and I want them to also stop calling and stop harassing me for this money that I dont know theyve been rude theyve told me I was a XXXX and I dont appreciate it. its been really really stressful and you know they keep Marking my credit and every single month and they have yet to show me proof that this is my dad and I think that they should be fine and I already contactI already contacted legal representation and they do this for a living and they told me that does based on all the the documents that I said I showed them and I fax them out Im on like the communications that theyve sent me a portfolio sent me that they said that this is this is all a slam dunk case so I really at this point next step for me is going to be to take a class action lawsuit or they could just delete this from my credit report and my file completely and never contact me again and thats it
Product: Debt collection

I was pursued for a debt my ex-husband is currently under court order to pay. They have been given this information by both my lawyer and me. They refuse to comply and have instead, refused to show proof of proper billing to either of the available insurance options or even that they attempted to go after the person LEGALLY responsible for this debt according to the standing court order. I demanded to speak to a supervisor to attempt to resolve the issue and the woman on the phone, who also refused to take my payment, stated she was the manager and that there was no one above her in the organization. I found that extremely hard to believe. 
I am now being charged interest on debt that is not mine and the XXXX  woman refused to take my payment. Every time I called back this woman was the one who answered and she refused to take payment three times.
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. 

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 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.
Product: Debt collection

The collection agency Genesis Credit Manag DBA Columbia Debt Recovery has reported past due debt of {$950.00} Acct # XXXX under XXXX, XXXX and XXXX 18 USC 1028A : Aggravated identity theft a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years
Product: Bank account or service

I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.
Product: Credit reporting or other personal consumer reports

I never was approved for the loan so therefore I never received the funds. I've been charged {$XXXX} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.
Product: Credit card

On XX/XX/XXXX I was reviewing my statements because I had a promo rate that expired XX/XX/XXXX and another one that is due to expire XX/XX/XXXX. 

Since I make auto payments I don't review my statement each month. I check about every two months to make sure my balances are on track. 

Knowing that I had a 0 % of {$5600.00} expiring on XX/XX/XXXX I made a payments of {$1500.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX to pay this amount off. 

Instead of paying this entire balance off, they split the {$6500.00} between this balance and a 0.99 % balance that expires in XX/XX/XXXX. 

Therefore, now I am accruing 22.49 % interest on the remaining amount of the {$5600.00} that they did not pay off. 

The representative I spoke with said my payment needed to be applied to my higher interest rate which was the 0.99 % instead of 0 %. Which under normal circumstances I would understand, pay the higher interest first. However, that can't be the case when there is a promo rate that is expiring. 

I'm sure our laws are meant to help protect the consumers, hence the pay the higher interest balance first. But if this is the case, then then the promo expiration dates don't have any true meaning. As soon as you use the credit for a non promo purchase, you will have your money moved to the new balance and you will never get your promo paid on time, and you will accrue interest on both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

i'am a capital one customer and also part of a reward program named drop. from XX/XX/XXXX till present I have not been able to access these points from my purchases using my Capital One card because they are not allowing third-party access and I would like them to allow third-party access on my account through drop thank you
Product: Credit reporting

Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.
Product: Debt collection

I cancel my gym member ship, and I was still being charge for something I wasnt using. I called explain that I could no longer afford the membership, and XXXX XXXX was still charging me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to work with TransUnion in removing an account that is a result of identity theft with no resolution. I have attached my identity theft report and police report for further assistance. 

The following accounts I am disputing are : XXXX XXXX XXXX ( Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The initial notarized dispute letter was mailed certified to TransUnion, and with a return receipt request by me on XX/XX/2020. The letter was disputing inaccurate and unverified information on my credit report. The notarized dispute letter was received by TransUnion on XX/XX/2020. I waited the required 30 days, plus allowed more time for a response from TransUnion, and 45 days later I received no response. 

On XX/XX/2020, I mailed another certified letter of non-response, along with a copy of the initial certified letter of the dispute ( also certified and requesting a return receipt ), and a copy of the initial return receipt stamped by TransUnion on XX/XX/2020. I requested all negative unverified items to be removed since they had not responded within 30 days or more. I also asked them to send me an updated credit report to reflect this update. But instead of the items being removed, and getting an updated credit report, I received a letter stating that the investigation was now complete, verifying items as accurate with no proof and also stating that I could dispute the items with 100 words or less. It also stated that I could pay {$9.00} to request a copy of my credit score since I did not order one.

Not only is this an insult and a slap in the face, but it is also a clear violation of FCRA, 611 ( a ) ( 5 ). Please help me to resolve this matter as I am a 100 %  XXXX veteran fighting to resolve a matter that has been an issue for some time now. I know my status as a XXXX Veteran may not appeal to you, but it surely does frustrate me after fighting for a country that can not seem to give me a little justice regarding a matter that harms no one but me. Thank you for your attention to this matter.