23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account # XXXX | Reason : This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit card

I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the month of XX/XX/year>. Reporter had error within their own system of accepting the payment.
Product: Credit reporting or other personal consumer reports

There 12 unauthorize inquiries showing on my EQUIFAX report that needs to be removed and deleted. I called them to dispute the error and they said that they dont dispute over the phone and to send in a fraud report. They refused to investigate. 

2 ) Also, the report is showing FRAUD VICTIMS ALERT this statement is incorrect and needs to be deleted from the file. See attached Documents circled
Product: Debt collection

I tried to get cable connected in my RV through direct tv but two technicians tried to connect service. One technician said he didnt know how to connect service in a RV and the second claimed that XXXXXXXX XXXX is not compatible RVs. I purchased two cable boxes through direct tv that I returned and never received a refund. XXXX XXXX assured me that I would receive my money back for the boxes and I dont owe anything since service was never provided due to their inability to connect service. But XXXXXXXX XXXX release false billing information to a collection agency IC Systems collections who is on my credit report. I tried disputing this with them who has removed this inaccurate bill from equinox and experian but not trans union for some odd reason. I dont owe Direct tv they owe me for cable boxes they have and I was unable to use.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this STERLING CRD was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Despite sending correspondence more than 30 days ago, I have not received any reply, nor have they adequately verified these entries. I seek your help in addressing this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unexpected credit inquiry appeared on my credit report from XXXX card services. It corresponded to an XXXX XXXX XXXX that I did not open. I contacted XXXX, and there was a card opened in my name by someone who was not me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unnecessary and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX reported information on my XXXX report on XX/XX/scrub> 2024. Says account has been charged off for the amount of {$580.00} 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 an account without my written instruction.
Product: Credit card

I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain.
Product: Money transfer, virtual currency, or money service

Last evening, I received two direct deposits from my employer. One was my normal check and one was my performance bonus. 

This morning at XXXX, I received an email from PayPal stating that my account has been permanently disabled and that they are holding my money for up to 120 days. 

This is absolutely unacceptable. How my account has been permanently banned for a normal transaction ( my paycheck and bonus ) is one thing. 

The fact that they will not let me withdraw MY MONEY is absolutely not ok. It is my money and I want it now so I can put it with a trustworthy financial institution.
Product: Debt collection

I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far
Product: Consumer Loan

I requested a payment deferment to which it was granted ( see attached document ). At no time during my conversation with a representative from Santander did they inform me that they would still report a 30 day late even if payment deferment is granted. If this information had be communicated to me, I would not have continued to move forward with a payment deferment since my reason for the request was to avoid a 30 day late with Santanderj in the first place. Santander reported the payment which was included in the deferment agreement as 30 days late to the credit reporting agencies. I contacted Santander ( Incident ID : XXXX ) to request the correction to my credit report, however I was advised they were unable to help me and correct the error. I also recommended to the representative that reporting to the credit bureaus even if payment deferment is granted should be communicated to their consumers so that it is understood.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are being furnished incorrect, inaccurate, false, information from XXXX XXXX. XXXX XXXX is still falsely reporting my mortgage in a name that does not belong to me. I am not XXXX. They replied from the last dispute with documents from XXXX. The deed of trust was modified, filed, signed, and notarized in my correct name XXXX XXXX in XX/XX/XXXX. Please do not allow this company to continue to fraudulently the incorrect name to credit bureaus. This was modified under XXXX XXXX. XXXX XXXX  is out of compliance legally from reporting this information falsely that is not my name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document stale dated with a modification date of XXXX does not constitute as proof or verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General office should you continue in your non-compliance of federal laws under the Fair Debt Collection Practice 's Act, the Fair Credit Reporting Act, and the corresponding local state laws I further remind you that you may be liable for your willful non-compli-ance. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate and incomplete. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any no compliant, false, untrue, and inaccurate information must be deleted.
Product: Credit card

I am very mad due to me application for the PayPal mastercard with synchrony bank being declined due to not verifying identity when I did verify my identity SUCCESFULLY ( exact word of the customer service rep doing the verification ) With them the day I applied and now I receive a letter in the mail saying I was declined for not being able to verify identity. 

When I call now I am getting different answers and no one has any clue what I 'm talking about I have already taken a hard credit inquiry for the application and should have been approved but because they ca n't figure out how to verify my identity and have very many untrained customer service agents that will not assist. 

I have tried speaking to manager and am being told that someone messed up on the verification process but they ca n't fix there mistake so I 'm the one that has to deal with it.
Product: Student loan

In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90 days past due on the XXXX - partial account number XXXX. ( Please see pages 9 and 11 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Filed dispute on a fee for {$110.00} due to funds sent in error to an unknown source. I alerted NFCU of this error, and they opened up a dispute, however, denied because they said that the error was my fault. They also stated that they will not credit me back the lost funds and have never done so for any member ever. Is there a way to prove this is correct as I have mentioned this case to others and they have received a credit back. I have since closed my account with NFCU due to the lack of member support I received in the matter.
Product: Checking or savings account

To whom it may concern, I have recently been a victim of online bank fraud. On XX/XX/2018 I noticed that {$5200.00} had been stolen from my bank account. I contacted Chase and reported the fraud to their claims department. We started reviewing my bank account to determine what activity was fraudulent. On XX/XX/18 the following transition were credited to my bank account. 
CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT CREDIT XX/XX/2018 XXXX TRANSFER PPD ID : XXXX XXXX ACH_CREDIT The Chase Fraud department explained to me that this was known as a common fishing exercise were hackers find active bank accounts and then sell the account information on the Dark Web. Chase then explained to me that there unauthorized transaction policy is good for 60 days from the first day of the fraudulent activity. So in my case the 60 day clock started on XX/XX/2018. Chase is not going to refund me the following transactions because the activity happened after the 60 day window. 
XX/XX/2018 {$310.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$470.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$660.00} XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$780.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1500.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$35.00} XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX : XXXX XX/XX/2018 {$1700.00} XXXX XXXX XXXX WEB ID : XXXX : XXXX Chase had made it very clear to me that they are not going to help me and that if I want to get my money back I had to work it out with XXXX. I have contacted several time and they have created the following case number for me, XXXX. When working with their fraud department on the phone they did acknowledge the fraudulent activity did happen. XXXX told me the issue was between Chase and myself. 
I have no were else to turn and I need help. This is a lot of money for me and my family. We have been planning to use this money to buy a house one day. If there is anything at all you can help with please do and let me know what further actions I can do to try and resolve the issue. Thank you for your time. 
Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX   XXXX     2014 I ap plied for bankruptcy. At which time the debt to  XXXX   Huntington Bank  for {$63.00} was listed in the petition. On  XXXX   XXXX ,  2014, the  debt was  discharged through the bankruptcy. This is still listed on my credit repo rt and   XXXX   XXXX   Report. Please adjust accordingly.     Case #  XXXX   XXXX   XXXX   XXXX   XXXX    Pennsylvania.
Product: Debt collection

XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account 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 instruction
Product: Checking or savings account

I lost my debit card and noticed fraud charges from XXXX XXXX and reported immediately to my bank chase. I have XXXX XXXX account but was not using it. Someone used my debit card to create a XXXX XXXX account with a different name. Chase said because I had a different XXXX XXXX it wasnt fraud and that i had previously disputed charges with XXXX  before but I never disputed any XXXX XXXX charges before. My XXXX XXXX was under name and not in use at the time so they advised to close it which I did and to lock my chase account and wait for a new card but did not refund me for the fraud charges under a different account. I didnt create the other account nor authorize anytime to use it. I have {$500.00} in charges for XXXX XXXX charges and {$100.00} in overdraft fees. Chase refuses to acknowledge other account was fraudulent nor refund the money or overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.