23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in student housing with everything included. Once I moved I received a bill for XXXX XXXX. I called advised that everything was included in my lease and monthly payment. They advised me to rewatch out to the apartment complex and when I did they referred me back to XXXX XXXX. After speaking with debt collector again agent advised she would submit dispute and follow up. And its still reporting on my credit and Im still getting harassing calls regarding it
Product: Money transfer, virtual currency, or money service

Paypal is knowingly allowing theft and fraud to occur on their platform. I was involved in an identify theft and phishing scam through XXXX XXXX on XX/XX/XXXX which involved sending money through paypal. This should be case number : XXXX I notified XXXX within 2 hours of discovering the scam and asked them to stop the transaction. I provided details as well as photos and conversations including a photo of the perpretrator admitting through Paypals communication platform that he/she was not the intended recipient of said transaction. The phone call to Paypal support was outsourced to an Eastern country. They said they would investigate and I would hear back, my instinct could tell they were just trying to rush me off of the phone rather than actually do something about it, I escalated to a manager, and was promised return phone calls or an email resolution. Through persistence I got a manager on the phone, I asked for reference numbers for investigation as well as proof of an SAR suspicious activity report. Turns out there would be no SAR submitted which is a federal law through Dodd Frank as well as Bank Secrecy Act. When I did hang up the phone I received an email almost immediately that investigation was concluded. After completely giving up on Paypal following federal guidelines I called my bank and put a block on the transaction. Paypal is now harassing me sending me emails and letters that I owe this money. I want paypal investigated for encouraging/enabling fraud as well as noncompliace with Dodd Frank submission of SAR and other mandatory fraud and AML compliance documentation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX  Act # XXXX { XXXX } { Unverified Account } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

please remove!

15 U.S.C 1681 sec 602 A States I have the right to privacy 15 U.S.C 1681 Sec 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

Dear Sir/Madam, I opened an Adv Plus checking account ending XXXX in XXXX from BOA, with a {$100.00} promotion bonus opportunity after XXXX $ XXXX direct deposits into this account. I have deposited multiple payrolls of $ XXXX into this account in XXXX and XXXX, but I still didn't receive the {$100.00} bonus yet. So could you please investigate on this issue? 

Thank you very much, XXXX XXXX
Product: Debt collection

I received a phone call from a representative by the name of XXXX along with a voicemail after it 's been told to cease all communications with me. She called me at XXXX est I missed the call and called back because I did n't know who it was calling me. So I called the number back twice the second time the representative answered I told her that I was returning a missed call she asked if I was XXXX I said yes but did n't verify any other information, according to FDCPA debt XXXX are still supposed to verify the identity of whom they are reaching, she never asked my date of birth nor my social, she did however disclose mini-Miranda which they did n't do the first time. This is my second complaint against this company for violating and breaking all FDCPA regulations. They are attempting to collect on a debt that is n't mine. I 've hired an attorney as of Monday XXXX I am represented by Law Offices of XXXX. and this company is aware of this. I am seeking legal actions against them and I am pursing for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and equifax all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.
Product: Credit card or prepaid card

I set up automatic payments in  XXXX  for this  XXXX  and  XXXX  account and provided all of bank information in which to process payments. They took the first payment in  XXXX  but failed to take the next payment in  XXXX  although they had all of my information on file. I never received anything via mail or email regarding the account and had assumed the payment would be taken. I received a call on today advising me to contact regarding the account and found that the payment was not debited for  XXXX  and I had subsequently been billed a late fee. I advised them that I set-up autopay in  XXXX  but they claim it was only set for one-time payment and refused to correct any derogatory information reported. I pride myself on a goo d credit score and want derogatory information removed as well as the late fee removed. I have gone on-line and made the payment and would like the issue resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.
Product: Debt collection

Rec 'd an alert from XXXX advising that my credit score decreased by XXXX points. Referenced my report and found an account that was sent to collections by XXXX XXXX XXXX for a service that I did not incur. This fraudulent account was apparently set up in XXXX of 2022 by someone who stole my identity. This same thing transpired in XXXX of 2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filled to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX, a Capital One credit account open XX/XX/XXXX under account number XXXX, a Capital One credit account opened XX/XX/XXXX under account XXXX, a credit account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting

My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.
Product: Debt collection

I was asked to be contacted by mail only. I sent them a letter dated in XX/XX/2023. The company had an employee look up my personal information online on XXXX to get my employer information and contacted my job about this debt owed. I have a screen shot of them looking up my personal info online. This is harassment and I would like the accounts removed from my credit report because this is illegal.
Product: Checking or savings account

On XX/XX/year> 2 wire transfers totalling {$16000.00} were fraudulently processed against our Bank of America account into a XXXX XXXX account XXXX We do not have a XXXX XXXX account XXXX We notified Bank of America on XX/XX/year> around XXXX XXXX  and we filed a fraud report. We also visited with XXXX XXXX account who confirmed we did not have an account and that the account where the funds were received belonged to another individual. BofA denied the fraud claim and advised we needed to file a scam report - apparently there is a very " fine line '' difference between fraud and scam? The scam report was also denied because XXXX XXXX did not respond to BofA requests for information via email. It is not clear how many emails were sent or who they were sent to? 

A police report was filed with XXXX XXXX Police Department, XXXX XXXX, SC. The police have identified the recipient to include their address, social security number, and birthdate. BofA has never reached out to the police. 

To date I am still trying to recover my {$16000.00} fraudulently wire transferred from my BofA account. I don't understand how BofA and the Federal Deposit Insurance Company isn't responsible for protecting my money. 

I am hoping you may be able to assist in moving this case forward.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to have them removed. This marks the several time I am addressing this issue, yet the fraudulent entries persist, significantly impacting my financial well-being and credibility. 

Despite providing detailed documentation and evidence proving the fraudulent nature of these items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial standing but also poses a serious threat to my financial security and reputation. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to resolve this issue and a clear timeline for its resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play. 

I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights. 

They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference. 

This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind. 

I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence. 

I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity. 

Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights.
Product: Credit reporting or other personal consumer reports

I see two different credit cards on my report that are not mine. I did not open those accounts. 

Citicard CBNA - ACCT XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX  - ACCT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my XXXX XXXX from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.
Product: Checking or savings account

On XX/XX/23 my account was hacked and scammed someone pretended to be a chime representative and stole {$3500.00} out of my account. My account currently has {$1.00}. They told me to call to unlock my account in a text sent from chime. Also, the representative told me that if I hung up they were going to delete my account. They sent themselves money using XXXX XXXX XXXX with XXXX different names I have never seen or heard of. I have never used XXXX XXXX XXXX with the chime app. Furthermore, the call disconnected and I wasnt able to get in contact anymore. When I contacted another chime representative which was a woman I spoke to told me that they wouldnt be able to do anything about it so I decided to take further actions to get my money back. She told me to file a police report. I called again to speak to another representative and they allowed me to file a dispute. The company is aware of the fraud charges that was made in regards to my account as I gave them the names and amount of the unauthorized transactions. This is my first time experiencing being hacked with chime and I was on the phone with a supposedly chime representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched mobile service providers in XX/XX/XXXX from XXXX XXXX XXXX to XXXX. XXXX advertised they would pay off my final bill. XXXX  XXXX XXXX said they never got payment yet XXXX said they did. I informed XXXX XXXX XXXX of this on XX/XX/XXXX. I heard nothing else from XXXX XXXX XXXX until XX/XX/XXXX when Sequim appeared on my credit report, no notice sent prior to being placed on my credit report. I asked them to validate the debt. They did and I paid {$30.00} more than the oringal debt of {$95.00} for {$120.00} on XX/XX/XXXX. When I paid the debt I asked the collection be removed from my credit report. Sequim stated only XXXX XXXX XXXX  could do that. I contacted XXXX XXXX XXXX  for the removal they have stated that Sequim is the one that placed it there and they need to remove it as it is satisfied. I called Sequim again on XXXX and they again gave me the XXXX XXXX XXXX story and then I informed them that was false and they said I was a liar. The agreement was to delete this from my XXXX  and XXXX  credit reports as this is not reporting on my XXXX report. THey have not kept up their end of the bargain.
Product: Credit reporting

Experian LLC. continues to report unverified accounts in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in violation of the required Federal law to verify with the original Consumer Contract with my Signature.
Product: Debt collection

My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO  XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws. Furthermore it appears my account may have been transferred again to another collection agency who i have never heard of. ( Southwest Credit ). That is a double FDCPA violation because not only didnt XXXX  not send me a final bill and damage my credit, Southwest Credit never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX   and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$210.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In addition I spoke to XXXX XXXX with Southwest Credit on XX/XX/XXXX to advise my concerns with them damaging my credit by placing this alleged debt on my 3 credit reports. I also indicated to Mr. XXXX my intention to file my complaints to the proper agencies and I would not make any payment without their removing the erroneous negative trade lines on my credit reports AND send me proof of debt to include the accounting on how the alleged balance was calculated. I previously open complaints against XXXX / XXXX in which they never answered to and Mr. XXXX revealed that XXXX noted the account instructing to continue collection efforts even though they ignored to answer to the official complaint and to provide me with final bill breakdown. This is a violation of my rights to dispute a debt. 

DEBT. SOUTHWEST CREDIT  XXXX XXXX XXXX XXXX TX XXXX Reference /Account number with Southwest Credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account XXXX XXXX XXXX XXXX