23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character.

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : 1. Creditor is in breach of any alleged agreement that it claims I am bound by.

2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.

5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

CREDITOR NAME : XXXX XXXX  : XX/XX/2023 BALANCE : XXXX CREDITOR Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Product: Credit card or prepaid card

Today XX/XX/13, I tried to link my gap visa card account with a tax software, the online bank website blocked me access.
Product: Credit card

Dear Sir/Madam, I am reaching out to seek the support of your esteemed office in addressing severe issues with Macy 's American Express Credit Card services , which include unaddressed fraudulent activities on my account and the distressingly poor conduct of their customer support team. 

On XX/XX/year>, at XXXX XXXX, I received a fraud alert for unauthorized transactions made at a XXXX and a gas station. Immediately, I reported these as unrecognized, yet was unable to reach customer service until the following day due to after-hours operations. Upon contact, the response was to wait for an address verification process. Meanwhile, fraudulent charges continued to accrue, reaching over {$250.00}. 

Over several days, as I attempted to resolve this fraud and I encountered multiple conflicting instructions from different representatives : XXXX ) I was initially told to await a mail for address verification. 
2 ) Subsequently, I was instructed to send them proof of my new address.

3 ) Later, questions arose whether I had received any calls from their team. 

Throughout these interactions, not once was I given a clear timeline or procedure for resolution. The ambiguity reached a peak when, despite repeated requests, no representative could confirm the address to which they planned to send the verification mail. I even wrote a secured email through the Macy 's Credit Card account, but I didn't receive any response assuring the safety of credit and personal information. 

Moreover, on XX/XX/year>, I discovered unauthorized changes made to my personal details on XX/XX/XXXX. My efforts to rectify this and secure my account were met with evasion and continued rudeness, treating me with suspicion rather than as a victim of fraud. 

This prolonged and mismanaged interaction has not only failed to stop the fraudulent activity but has significantly affected my health, causing heightened XXXX XXXXXXXX XXXX XXXX XXXX  The lack of resolution and accountability from Macy 's American Express has left me in a vulnerable position, both financially and emotionally. 

I urgently request your office 's assistance to help ensure the cancellation of my card, the reversal of fraudulent charges, and a thorough investigation into the handling of my case. The inconsistencies and negligence displayed by Macy 's American Express need addressing to prevent further consumer harm. 

Thank you for your attention to this critical matter. I am willing to provide any additional information needed and look forward to your prompt response and support. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.
Product: Mortgage

We began paying the mortgage on XX/XX/XXXX with a grace period that allowed us XXXX days. Payment was made on XX/XX/XXXX for the amount of {$6300.00} through online XXXX from our bank XXXX. We were not assesed any late fees. For the month of XXXX we then continued to pay the amount that XXXX XXXX online portal identified as our payment which was for {$6100.00} that month. That payment was also done through XXXX XXXX for our bank XXXX. No late fees were assessed. The next payment was made for XXXX and that payment was applied on XX/XX/XXXX for the identified payment amount of {$6300.00} which is the amount that XXXX XXXX payment portal identified as our payment for that month. We then paid {$6300.00} for the month of XXXX and that payment was received on XX/XX/XXXX. For the month of XXXX we paid {$6300.00} which was also the instructed amount through XXXX XXXX XXXX XXXX. 

After making these payments we received several emails stating that we were behind XXXX or more payments. We thought that this was an error or spam messages. Until we started receiving phone calls from XXXX XXXX XXXX Department saying that we owe around XXXX at the time, due to missing payments. We explained to them that there is no way because we've made every single payment to the full extent that the XXXX XXXX XXXX instructed was our payment. Not XXXX single person at XXXX XXXX acknowledged our payments and they insisted we pay XXXX or our home will be foreclosed. 

We have reached out and have asked to escalate this situation and the only resolution that they provided was that we pay the now XXXX. 

After reaching out and investigating the site. We noticed that XXXX billing statements are completely missing and it happens to be the months that they said we have not paid We also received an email on XX/XX/XXXX stating that we did not have home insurance. And without proof of home insurance they would then place FORCED home insurance on us and it'll be more expensive and less coverage. On XX/XX/XXXX they were provided proof that we do have home insurance. After providing proof, we spoke to another agent and she notified us that we were paying for home insurance through XXXX XXXX already and it would be a {$200.00} fee to cancel it. We were very confused on why they sent out an email saying we didnt have insurance if we " supposedly '' had insurance through them. We believe that they added an additional XXXX insurance on us for no reason though we provided proof on the same day they sent the email out. 

They are now refusing to refund our taxes due to me being XXXX from them. They are refusing to refund the insurance, and our escrow account until we pay them XXXX which is absolutely a false collection amount.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Debt collection

received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. 
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.
Product: Checking or savings account

I called Bank of America on XX/XX/2023 to dispute ( 3 ) {$40.00} charges I did not recall authorizing. The total amount I was disputing was {$120.00}, however the representative botched the claim and put the claim in for {$720.00}. I received a message about my claim the same day and when I saw the amount was completely wrong, I immediatly called Bank of America, wherein another representative made yet another mistake. Instead of correcting or closing the initial claim which ended in # XXXX, she filed a duplicate claim. The mistakes on this claim were endless. I have spent literally hours on the phone with Bank of America to correct all their mistakes to no avail. I eventually asked them to just close the claim, as I could not take it anymore. I said I will just pay the {$120.00}. I did file a formal complaint with the OCC Case # XXXX. I am legally declared XXXX and my Social Security is set up for Direct Depoisit to my Bank of America Account that I have had for over 5 years. Bank of America closed my account today with no notice to me, when I called they would not tell me why. I asked to speak to a supervisor and they transferred me to a spam number telling me I won a free XXXX gift card. How can they get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal ran my credit without authorization. I did not apply anything.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXXXXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX bondage.According to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

Hello I am writing because after I have tried to resolve this issue with my bank they came back and said that charges were not fraudulent because the company was able to give them my name, address, and email address? This is public information in which has me highly confused! I have lost over {$2000.00} in XXXX due to me losing my handbag, in which my phone was in, my debit and credit cards were in, among other things. I have even filed the same dispute with my credit card who in turn responded that the charges were indeed fraud so it really is baffaling how my bank is allowing someone to rightfully steal from their very own customers. Aside from this TD bank has charged me an obscene amount of overdraft charges due to these fraud transactions as well, when I mean obscene I mean hundreds and hundreds of dollars for transactions that I did not even process.
Product: Credit reporting or other personal consumer reports

I logged into Experion.com to check my credit score. Immediately the website reduced a pop up message that forced me to upgrade my account membership but told me it would update it with a {$0.00} charge though it forced me to provide my CC information to proceed to the website. 

Yesterday on XX/XX/year> I received a notification on my phone that experian charged my card {$29.00}. 

I immediately went on to their website to find out why and saw that I was charged for this same membership that I was forced to upgrade to in order to use the site to view my credit score which I do once a year that we have the rights to view. 

After searching on the website for 10 minutes I finally found where to cancel this. Remind you it only took 30 seconds when they forced me to upgrade by using a XXXX up ad on my mobile phone that would not allow me to go to the next page or do anything without upgrading first for {$0.00} cost to me. At least thats what the pop up ad showed me. 

After canceling I looked for how to email them to as for a refund and to notify them that I never want to be signed up for anything from them ever again and that I did not authorize them to charge me for anything and that I do not authorize them to charge me for anything else in the future. 

Today XXXX I received an email from experian that seems like a copy and paste generic email that did not discuss anything I sent to them and instead told me they can help by going to the same place on their website that I sent my first message to them about the fees. 

In other words they told me to do the same thing I had already done to get help. In essence they are attempting to push me into a circle of non existent support from them by sending an email to redirect me to the vary place I sent my first email to them from.
Product: Credit card

I filed the appropriate XXXX which was accepted by the IRS yet Capital One has yet to correctly comply.
Product: Debt collection

I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
Product: Debt collection

I called Penn Credit in XXXX about 2 accounts that they are trying to collect against me. They told me the address of that these 2 utility accounts were for. The address they gave me was the same NJ address as a XXXX account that was opened with my SSN. I have since resolved the XXXX  issue and just need to get rid of these collections. The gentleman on the phone said he needed to mail me a " fraud packet. '' I have received more than one letter from Penn Credit for the collections but have never received the fraud packet in the mail. It's unacceptable that Penn Credit has not provided what they promised in a reasonable time. I was told on XX/XX/XXXX  that they would mail me the packet.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scamed out of my retirement 0f {$29000.00} thru a wire transfer. I have tried to get it back from my bank XXXX who tried to reclaim the money from Wells Fargo where the money went. XXXX had closed out the claim due to not being able to reclaim the money from Wells Fargo. I have filed a police report, and a report to the FTC. I need this money back. It is my retirement. I have even sent the police eport number to Wells Fargo and the FTC report I filed.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 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 1681 c. ( 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.