23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Debt Validation Request for Account XXXX, Dear Midland Credit Management, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 2. Itemized breakdown of the debt amount, including any fees, interest, or other charges. 3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor. 4. Details of the original creditor, including their name and contact information. 5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have 3 hard accounts that are against that report and 2 soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into Equifax credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for XXXX and they all came back verified as well. Those amounts that are affecting my report for equifax are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXXXXXX XXXX children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Product: Credit card

My name is XXXX XXXX XXXX and this is regarding charges to a Citi XXXX credit account account. 

This is in regard to XXXX tickets for a rebooked flight on XXXX XXXX. Instead of the rebooking fee and fare difference, I was charged the full amount of both the initial flights AND the full amount of the new flights even though I only took the second flight and even though what I agreed to was a " rebooking ''. 

Here is what I was charged on XX/XX/XXXX : {$220.00} XXXX XXXX cost of the original flight from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : {$66.00} x XXXX rebooking fee {$310.00} x XXXX cost of the new flight from XXXX to XXXX I took the flight from XXXX to XXXX. 

XXXX XXXX XXXX position always has been that that {$310.00} is the difference ON TOP the old flight of {$220.00}, which would make the new flight {$530.00} per person for their basic math to make any sense. In reality, the new flight was only approximately {$83.00} more than the old flight. There was never a flight that was {$530.00} for me to even agree to on that day between those cities. Every invoice and receipt they have sent me says the new flight was {$310.00} ( or {$83.00} more than {$220.00} ) and NOTHING they have given me has had this {$530.00} number on it which is the only way their math would make sense. 

I have contacted XXXX XXXX over XXXX times. I have also emailed and sent paper copies of my issue to Citi. XXXX XXXX responded to the Citi about the rebooking fee, which was not even the charge under dispute. XXXX XXXX has never responded about the actual charge. 

I contacted Citi again after Citi closed the dispute. Citi says the terms and conditions allowed the merchant to charge whatever they want as long as I said I agreed to it. I did not agree to it, but XXXX XXXX  claims I did. 

Citi accepted the merchant 's rebuttal and sent me a letter saying " We have determined that the services for which you contracted were provided ''. They are not letting me continue this process any further. This is absolutely unacceptable.
Product: Checking or savings account

I was using XXXX, just received new that XXXX was being sued, & wasnt confirmed the true identities of customers before sending money through XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

I get calls all throughout the night and early morning my time ( XXXX ) for a card I have with PayPal credit. They wake me and my family up regularly. I try to answer to tell them I am XXXX  XXXX  but the calls disconnect as soon as I answer. When I call back I can not get through the automated phone system to a live person. Also, the payment they are calling about I have a scheduled payment to be done on my next payday. I've attached a screenshot with all of their most recent calls to my phone with a time stamp.
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, TransUnion, XXXX and XXXX XXXX involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Product: Credit reporting or other personal consumer reports

I have noticed an account that is in violation of my rights, the FCRA, and the FDCPA. Below is the information regarding the account I am referring to. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX. I am not liable for this debt with XXXX  XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXX XXXX. They also have let someone make an inquiry using my credit for XXXX XXXX since then when I have a known fraud alert that has been in place for over a year. They did not provide me with the original application as requested. I have also submitted an FTC report about this and they removed it from my credit report, only to reappear under a different name and with an address that I have never lived at. My identity has been stolen twice and I have let them know that with a police report and papers from the IRS. Please review the information above and have it removed immediately, as it violates my consumer rights as well as my FDCPA rights. Thank you!
Product: Credit card

Since XX/XX/2023, my payments have been accurately allocated and I have called numerous times every month, including today, to get a complete review of my account. 

I was told the request has been submitted, but I have not received a response on findings, and I am still incurring erroneous interest charges. 

I am not able to speak to supervisors as I am told they are not available and there is no callback option. 

I have put together the attached file based on my statements.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 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: Prepaid card

I have tried online and in person stores for my Amex gift card. Nothing has worked and I have been unable to use it anywhere. I've tried XXXX, XXXX, XXXX, gas stations, regular stores, restaurants, and more. I've called the number on the card and they tell me that it sometimes will work, sometimes it won't but be sure I'm using the correct numbers on the card. ( I am ).
Product: Debt collection

I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.
Product: Credit reporting

I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.then closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an account on my credit report and I disputed the account because I don't think it mine. I asked for validation and is not getting a legitimate response, and it has been over 30 days. 

They keep telling me about a balance but is not sending any valid proof that I am responsible for this account or if I agreed to the charges. 

Account nunumber is XXXX
Product: Money transfer, virtual currency, or money service

On Monday, the XX/XX/XXXX at XXXX XXXX two separate charges, each {$100.00}, totaling {$200.00} appeared on my bank statement from XXXX ( a digital wallet company, ) The description listed along with the charges is as follows : XXXX XXXX NY. I have never heard of XXXX. The charges are not mine. XXXX clearly states on their website they are unwilling to assist any one that is not in possession of a XXXX account, and are unable to reimburse any lost money due to fraudulent charges made by their users. I made a phone call to PayPal 's customer service number and was not provided any helpful information or hope of a resolution to this issue.
Product: Checking or savings account

no matter how many times I've requested this information after having provided them with my name, date of birth, routing and account number with XXXX XXXX  they reply nothing in on their records regarding this information but as early as today {$2000.00} was taken out of my account. I called the family member involved who I authorized a onetime transaction because she was low on funds and out of town and she advised me she had updated their records ( cash app ) with her bank information. I believe she failed to delete my info which is a possibility as well. As noted she does have health problems. At any rate I just want my personal bank account information purged from cash app records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

i have had a mortgage with fifth third since XXXX. I have never been late with a payment. My house was for sale & I was supposed to close on the XXXX & title transfer on the XXXX of XXXX. The title company made an error & did not do their work timely so I went to another title company. Apparently they did request a payoff on the XXXX unbeknownst to me. The sale closed on XXXX XXXX a week later. The bank is now saying because they received the payoff they can not refund my money for fees that were charged in error. When we requested the payoff the number was different than what i received over the phone. There was a vacant home inspection fee for {$270.00} that was put on the account on XX/XX/XXXX. I have been calling & talking to customer service & deliquency departments.  At first no one had any idea what the fee was or where it came from. I got to a manager who said she would look into the matter & when she got bak to me she said they agreed it shouldnt have been charged & will reverse it & refund the money. In the mean time fifth third received the $ to pay off my loan. 
I just called again today XX/XX/XXXX because XXXX XXXX who had told me all THIS has stopped returning my calls. I had called her yesterday & left a message as i have done the last 2 months. I got to to another manager who escalated it ( like they did 2 months ago ) handed it off the the cares team & supposed to get bak to me in 2 days. In their notes she says it states they cant give the money bak because of the payoff. One has nothing to do with the other. They refunded {$10.00} after the payoff so that argument isnt valid. They charged fees that werent valid. They were notified & agreed & said they would reverse & refund & now are denying that & wont do what they said they would. If that was a problem I would not have had the payoff sent until i got my money bak which was a concern at the time but they never said it was a problem. Based on the timing of things it seems that they got a payoff request & used underhanded deceptive practices to hit my account with some fees before I left to get just a little more money out of me. 
Their practices seem to be not consumer friendly or legitimate. If your payment is due with a 15 day grace period why would you send a letter stating the loan is delinquent & payment is late before the grace period has ended? These letters start a whole bunch of activity that isnt true or valid. They then hit you with fees to collect more money for an issue that doesnt even exist! This happened once before when i made a payment for the wrong amount. The difference was less that {$4.00} & the same process happened. I was able to reach someone who saw I had been a customer for 25 years & never been late. They should not be able to do this to people. No less the amount of time spent to rectify something that never should have happened is crazy. Takes half an hour just to reach someone!!! Fifth Third is a horrible bank with deceptive practices, horrible customer service & steal from their customers. Shameful
Product: Money transfer, virtual currency, or money service

I sold an XXXX XXXX to someone and they paid me via Venmo and used the XXXX XXXX feature offered by the company. Purchase protection protects the buyer and seller. It " can help prevent you from losing money due to unauthorized transactions or claims that the buyer never received their purchase, '' according to Venmo 's website. 

A few days later, the buyer decided to dispute the purchase and Venmo froze my account and told me to reimburse Venmo for {$1000.00} - the sale price of the XXXX. 

I provided Venmo with proof of the transaction and Venmo said they would investigate it. Venmo indicated that the buyer filed a dispute with their credit card and the credit card found in favor of the buyer. Venmo wants me to pay them the balance despite the fact that their own Purchase Protection program is supposed to prevent exactly this.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A couple of weeks ago I submitted a complaint here against M & T Bank under claim # XXXX. I was informed by M & T that they would be responding shortly. Instead, I received a letter directly from them via a XXXX courier on XX/XX/2019 that they were closing all of my accounts, and not just the one I was lodging a complaint about which included all of my business accounts. 

I feel this is retaliatory and discriminatory because of the complaint I filed against them which was about the excessive overdraft fees that they had assessed against my personal checking account over the course of the year resulting in several XXXX dollars in fees collected by M & T.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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