23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX , XXXX on behalf of GE MONEY BANK is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX . A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.
Product: Checking or savings account

I opened an account with Self a month ago. I don't have money, so I don't know why I did that. I was planning to have money by the time the first payment was due today, but about a week ago when I noticed I would definitely not, I tried to close the account. The app doesn't have an option for this. The FAQs don't explain either. So I sent in an email and they sent an automated message saying they would get back to me soon. They haven't and now my first payment is due today and I don't have money. I don't technically owe them, because I haven't borrowed from them. It's just a savings account with due dates, but I'm still worried that not paying may lower my credit score. I just want to close the account, but the company has made it near impossible. I just want them to let me close the account.
Product: Debt collection

I don't believe I had a credit card that they are claiming I had, it was XXXX XXXX from XX/XX/XXXX so they say. They keep calling repeatly threatening me that they are coming to my home, using abusive language and swear words. They will not stop calling, they use different numbers, some with my area code which leads me to believe that someone local is calling me. I am on disabliltiy. A small check to barely get by on. I am a nervous wreck. The last lady show called from XXXX said I was a XXXX and some other very gross things I cant repeat. 
Below you will find they numbers they call from. 
XXXX unknown XXXX XXXX they call on both my home and cell phone they are very threatening. 

My phone numbers are XXXX XXXX XXXX XXXX
Product: Credit card

I ordered a supercharger from XXXX in XXXX of XXXX 2023, I contacted TPS on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have XXXX options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX Oregon, XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Credit Report Agencies, I am writing to formally request the blocking and deletion of fraudulent accounts and information associated with my credit file pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of identity theft resulting from the XXXX data breach, and I have identified unauthorized accounts that do not belong to me. Below are the fraudulent accounts and information I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In support of my request, I have included the following documentation : A copy of my identity theft report ( FTC Identity Theft Report ). A copy of my government-issued ID ( passport ). Proof of address ( utility bill ). 
As required under 15 USC 1681c-2 ( a ), you are obligated to block the information within four business days of receiving this request and supporting documentation. Please confirm in writing once the fraudulent accounts have been removed from my credit file. If you require any additional information to process this request, please contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
Attachments : Copy of identity theft report ( FTC report ) Copy of Credit Report Copy of government-issued ID Proof of address
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXXAccount Name : XXXX XXXX XXXXAccount Number : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the account just showed up on my account one day and I know nothing about it, called them and they would not even give me any information or explain what its for.
Product: Prepaid card

I'm a student and when it was time to recieve my school refund check, I had it sent to my cash app card. They charged me many fees that I should have never been charged. If you add a certain amount of money in your bank account every month no fees should be taken out, but apparently I was an exception and I had multiple fees taken out. They preceded to close my account without even explaining to me why. I never received any of my money from my account, including money that had been refunded to me from three people and/or companies that owed me refunds for various reasons. Cash App kept the money for themselves and never sent it back to the companies that had refunded me. I can not remember the exact number but it was over $ XXXXThat was stolen from cash app.
Product: Debt collection

PLEASE REMOVE THIS FRAUDULENT ACCOUNT TO MY CREDIT REPORT ; IT LITERALLY GIVES ME HEADACHE EVERY TIME SEEING THIS ON MY ACCOUNT
Product: Mortgage

I paid off my 2nd mortgage and they came up with XXXX they said interest charges and have it listed on website as no code? I don't want to talk to JP Morgan Chase because they convince me of something that's made up. Also why did I have an escrow balance didn't even know I had this and since when? I've not been late for over a year when I was late I paid all late fees.
Product: Credit card or prepaid card

Hi XXXX, XXXX, ( Albert Support ) I am writing to alert you of an issue with Albert Support.

Albert Support reps lied to me about my cashback ( repeatedly promising that it will be available ) only for the cashback to not be credited, and when I raised the issue, the not only did not apologize for their behavior and chose instead to defend the lie. 

I wasted a lot of time/effort on this, and I have suffered irreparable damage as a result. Please let me know how the customer rep can simply lie and get away with it? 

Thanks
Product: Mortgage

Agent of Gross Polowy, LLC showed up at a house I own and handed papers to my tenant that were faked regarding my mortage. They had gone on the internet to print out recordning documents from my original purchase to make it look real. Tenant thought they were being served foreclosure papers. The cover sheet was made to look like an official court document but the bank named as the plaintiff DOES NOT OWN THE MORTGAGE. I verified this with my current bank just to be sure. It would appear that they were trying to scare me into making payments to them which they would then pocket. This has created a problem with my tenant and is an illegal practice. I filed a report with the local police department. When I tried to call them on this all of a sudden everyone was not available!
Product: Credit reporting or other personal consumer reports

Im submitting this complaint to follow up to you today, giving you a notice of my issue that I recently forwarded to regarding of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX  report with reference number XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) to Transunion asking to please verify the accuracy of the following 4 unauthorized hard inquires I noticed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter back from Transunion stating that the inquires are verified and reporting correctly when In fact they are not. The inquires posted on my consumer report are not attached or connected to any accounts of mine. I also did not give any written consent to report hard inquires on my profile. Transunion is not doing their job by disobeying the law and violating my rights. 

XXXX In responded to their response back with a second certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) stating that the inquires are not reporting accurate and need to be removed immediately or I will have to seek remedy. 

15 u.s.c. 1681 section 602 A states I have the right the privacy.

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.

15 u.s.c. 1681 section 604 A section 2 states a consumer reporting agency can not furnish without my written consent.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, I did a wire transfer of {$5600.00} to Coinbase Inc to fund my Coinbase account. The fund is supposed to use for purchasing crypto currency. However, when Coinbase received my fund, they blocked my buy/sell/withdraw options and said that I need to verify my identity AGAIN. I already verified my bank, my identity and made some transactions previously. Now suddenly they asked me to verify again. Their ID verification system did not work. I submit multiple requests and call them multiple times. They never respond to my request tickets and said could not help through customer service on the phone. It only takes them to 2 minutes to verify my identity but they does not respond. Due to their delay, I could not use my fund to invest and lost thousands of dollar. My case number on their support system is : XXXX
Product: Debt collection

On XX/XX/2020 I received an alert from XXXX and XXXX   that a derogatory remark was added to my credit report along with a new collections account. I had no idea where this was coming from. I called the number associated with the collection company. South West Credit Systems LP. They informed me that this is a debt from  XXXX XXXX. Which is also referred to as XXXX and XXXX XXXX. I explained that this information was incorrect. I had already paid this debt and my account was closed. I was referred to a supervisor. I sent him an email explaining the circumstances and I included a letter which stated that this account was removed from my credit report. I also asked for their Consumer Affairs License number as I will send over a formal complaint to the Department Of Consumer Affairs. South West Credit Systems LP, is in violation of the Fair Debt Collection Practices Act. South West Credit Systems has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. South West has reported on my credit report and in a letter dated XX/XX/2020 ; that they have had my account in their office since XX/XX/2020. However, I never received any of the above mentioned discloures or rights I'm entitled to by federal law until XX/XX/2020. My complaint that was written to the supervisor, stating I would make a formal complaint with The Department of Consumer Affair, is when I received bills and disclosures in the mail dated XX/XX/2020 not at initial contact or within five days. I will hold all parties accountable. South West Credit Systems LP and XXXX XXXX regarding my civil rights, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. My civil rights were violated and so was the federal law. South West Credit Systems and XXXX XXXX are prohibiting me from moving into a new home with my family during unprecedented times. During a pandemic. Which Covid -19 has affected me personally. I made an agreement with XXXX. My account was PAID and CLOSED with XXXX Collection Agency on XX/XX/XXXX, XXXXThis account was also removed from my credit report by XXXX. If this matter isn't corrected I will pursue legal action. South West Credit Systems LP said they had my account since XX/XX/2020 however XXXX was the agency who negotiated, agreed and collected on my account. Please remove this account from my credit report immediately. Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to TransUnion requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through TransUnion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit card

THIS  COMPLAINT  IS  TO  PUT  THE  CFPB  ON  NOTICE  OF  MY  BILLING  ERROR  NOTICE  TO  PENFED  IN  WHICH  THEY  FAILED  TO  RESPOND TO   ACCRODINGLY  AS  STATED  IN  THE  LAW  FOR  RECORD  PURPOSES---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PENFED  YOU  HAVE  BEEN  PUT  ON NNOTICE  UNDER  A  BILLING  ERROR  ON  MY  CREDIT  ACCOUNT  WITH  SPECIFIC  LAWS  THAT  GOVERN  YOUR  OBLIGATION  TO  PERFORM.  YOU  HAVE  RESPONDED  WITH  A  VERY  CONFUSING  AND  ERRONIOUS  LETTER  THAT  I  KNOW  NOT  THE  PURPOSE  FOR.  PLEASE  EXPLAIN  WHAT  THE  LETTER  IS  ABOUT.-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOTICE  YOU  HAVE  RECEIEVED  THE  NOTICE  AND  ARE  FULLY  AWARE  OF  THAT  LAWS  THAT  WERE  STATED  IN  THE  NOTICE. YOU  SHALL  RESPOND  PROPERLY  TO  THE  NOTICE  WITHIN  30  DAYS  OR  RISK  FORFETURE  OF  COLLECTING  ANY  AMOUNT  UNDER 15 USC 1666(e)------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------IF  THE  PERSON  ADDRESSING  THIS  COMPLAINT  HAS  NO  KNOWLEDGE  OF  THE  LAW  PLEASE  FORWARD  THE  COMPLAINT  TO  SOMEONE  WHO  DOES  BECAUSE  IGNORANCE  OF  THE  LAW  IS  NO  EXCUSE  TO  VIOLATE  IT  AND  CAN  RESULT  IN  MATTERS  ESCALTING.--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PLEASE  ADDRESS  THIS  MATTER  PROPERLY  WITH  NO  BOGEZ  LETTERS  NOR  MINIMUL  EFFORT.  THANK  YOU  KINDLY.
Product: Mortgage

Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. 
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. 
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. 
Please assist. 

Thank you
Product: Debt collection

SUNRISE CREDIT SERVICES , INC., sent me a Debt Validation letter dated XX/XX/2021 ( see attached to this complaint ), attempting to collect a debt. In the same letter it advises that I have 30 days to dispute the validity of the debt they were attempting to collect. 

I responded with a debt dispute letter dated XX/XX/2021 and mailed it on the same day of XX/XX/2021 ( see attached dispute letter and copy of USPS stamped envelope with postage?? ). My dispute letter requested that Sunrise Credit Services " Validate '' the debt of {$1700.00} pursuant to FDCPA 1692g 809 ( b ). 

SUNRISE CREDIT SERVICES , INC., FAILED to address the validation of the debt and sent me another collection letter with a new amount of {$610.00} dated XX/XX/2021. ( see attached to this complaint ) Clearly SUNRISE CREDIT SERVICES INC., is in violation of FDCPA 1692g ( b ) 809 ( b ), 1692c 805 ( c ), 1692e 807 ( 1 ) ( 2a ) ( 3 ) ( 6 ) ( 9 ) and 1692k 813 ( 1 ) ( 2 ). 

They are also reporting invalidated information to the 3 major credit bureaus which constitutes fraud under federal and state laws. As a result, my credit rating is in now jeopardy.
Product: Credit reporting or other personal consumer reports

THIS IS NOT IN LITIGATION!!! 

I am writing to dispute the credit reporting practices of XXXX XXXX concerning my XXXX XXXX Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : XXXXXXXX XXXX  has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXXXXXX XXXX. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. Reporting to the IRS : I will be reporting XXXXXXXX XXXX to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I noticed these inquiries. I never gave consent for these creditors to perform a hard pull on my credit report.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$380.00}