23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX - They called and I told them NOT TO CALL ME AGAIN.. 

But they did on XXXX and XXXX. 

I paid XXXX XXXX ( the debitor ) the amount owed on XXXX and I told Pro Collect on XXXX that the debit was paid but they said that I should have paid them and they continued to call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX  on XX/XX/year> under the account number ending XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud.
Product: Debt collection

I paid a settlement amount of {$190.00} on XXXX XXXX, 2016 and I was told that this account would be taken out of collections within 7days. Confirmation # XXXX
Product: Money transfers

On XXXX XXXX, 2015, I was scammed by XXXX people in NY by way of XXXX XXXX. When I checked on the cards, I was able to recover {$450.00} out of the {$850.00}. I filed a police report and numerous consumer complaints including the Attorney General 's Office. When I realized I had been scammmed my banker and I called XXXX under ticket # XXXX XXXX, the company representative asked us to fax all of the documents to him. We did that. He then stated on speaker phone in front of my banker that I would receive a refund in 23 days for the scammed {$400.00}. The check never came. I called again today and the representative stated that I can not get a refund. XXXX Blackhawk Networklied to me. They will not stand by the word of their company representatives. I have my bank manager as a witness.
Product: Credit reporting or other personal consumer reports

My account with those creditors 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.

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 card

Dear Representative, My card has a charge for $ XXXX from XXXX through XXXX XXXX XXXX XXXX XXXX 
The merchant was told there was a refund going to be posted on to my credit card by XXXX. Nothing has been done by Chase to credit the account. I am Disputing the charge on my credit card from this date. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I might be moving and will need my credit above a certain limit to apply for certain apartments. My credit score with Experian was above, but close, to XXXX of the common minimums rental agents want to see. Several weeks ago, I applied for an apartment and my presumption is that the agent ran my credit. 

A few weeks ago, Experian reduced my credit score by 14 points, dropping me 6 points below that common minimum threshold. Experian is no longer recognizing XXXX of my XXXX credit cards, which comprises 25 % of my available credit but which I don't often use, and this failure on their part may factor into their new score calculation. Notably, XXXX and XXXX both acknowledge that credit card and my scores with those bureaus are higher. Another factor in the calculation is probably my credit usage, which had increased but then paid off a couple weeks later. Of note : a day after that balance was paid, Experian sent me a notification that my credit score had increased, but when I checked, my score was still the same. 

After Experian decreased my credit score, they began sending me marketing emails to sell me a new credit card. Their inducement is that I can raise my credit score by opening a new credit card. Before they decreased my credit score t

hey were not sending me these types of emails with any such frequency. I believe Experian has made an inference about my current need to make use of my credit score, and has manipulated my credit score in order to sell me financial services. I believe Experian is prioritizing my credit score remaining slightly below threshold, as a lever by which to manipulate me, over accurately and timely calculating my true score which would restore my credit to above that threshold commonly used by rental agents.
Product: Credit reporting or other personal consumer reports

Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$9800.00} XXXX XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$410.00}
Product: Credit reporting or other personal consumer reports

I past, XX/XX/XXXX Ive been receiving unwanted emails from what appears to be PayPal for invoices of money requested payment for service I have no idea what for. I believe this was a phishing email and forwarded to the appropriate agencies such as PayPal, XXXX, FCC and my mobile carrier, XXXX. This had happened twice before in previous months and after forwarding these unwanted solicitation emails to investigate and complain, no action had taken place. I then filed a department of consumer affairs complaint on XX/XX/XXXX # XXXX against PayPal as an attempt to elevate this ongoing problem but with a more positive outcome. PayPal did respond on XX/XX/XXXX in a written response attached and my acknowledgment of there response and that not only Im I a victim here, so are PayPal as to this phishing scam. Now, this is happening again. See attached receipt invoice for {$690.00} I received in my email, XXXX recently. I did call PayPal today XXXX XXXX XXXX XXXX and spoke with a representative who I informed him of the above. Representative was quick, fast and just advised to delete the email and confirmed it was a phishing email. Working in federal law enforcement, in XXXX XXXX, I fully understand what Im doing but when I tried to inform PayPal to elevate this ongoing harassment emails and receive some sort of easement to forward this complaint and have a sense of assurance PayPal will take this seriously, I did not receive this response, only asking if theres anything else. I feel this is getting out of hand, even though PayPal may not be sending this email of invoice, some assuring response would have been helpful. Im filing this complaint for the second time in hopes to again, bring awareness to the corporate sector
Product: Credit card or prepaid card

During the months of XX/XX/2020 and XXXX of 2020 I was late on my payments to Comenity Bank XXXX card because of a work slow down due to the Covid 19 Global Pandemic. I made those payments before the 60 days late period, made them in full, have otherwise had an excellent payment history and since the have payed my balance down to XXXX I'm in the process of purchasing a home and these late payments are hindering this process. If there's any way their status of payed late could be removed, considering the circumstances of the Covid 19 Global Pandemic, it would be greatly appreciated as I will be able to purchase my home.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, XXXX XX/XX/XXXXXXXX  Subject : Debt Collector Violated My Rights by Suing While Debt Was Under Dispute I am filing this complaint against Velocity Investments LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper debt collection practices. 

On XX/XX/XXXX. I disputed the validity and accuracy of a charge-off account that Velocity Investments LLC claims I owe. I sent a written dispute letter to Velocity Investments LLC on [ date you sent the dispute letter ], in accordance with my rights under 15 U.S.C. 1692g ( b ), requesting verification of the debt. 

Despite my dispute, Velocity Investments LLC failed to provide any verification or validation of the debt. Instead, they proceeded to file a lawsuit against me on XX/XX/XXXXXXXX  in XXXX XXXX XXXX XXXX. Filing a lawsuit while the debt is under active dispute is a direct violation of the FDCPA, which prohibits debt collectors from continuing collection efforts without first validating the debt.

I am requesting that Velocity Investments LLC : 1. Dismiss the lawsuit filed against me immediately.

2. Cease all collection activity until they provide proper validation of the debt.

3. Compensate me for any damages caused by their improper and illegal actions.

I am attaching the following documents to support my complaint : 1. A copy of my dispute letter sent to Velocity Investments LLC on XX/XX/XXXX 2. Proof of delivery of the dispute letter ( e.g., certified mail receipt ). 
3. A copy of the lawsuit or summons filed by Velocity Investments LLC. 
4. Any other correspondence related to this matter. 

This illegal and improper collection activity has caused me significant emotional distress, financial burden, and time spent defending myself against a baseless lawsuit. The stress of being sued over a debt I am disputing has affected my well-being and peace of mind. 

I ask that the CFPB take action to ensure Velocity Investments LLC complies with federal laws, including the FDCPA. I request that Velocity Investments LLC : Provide proper debt validation. 
Dismiss the lawsuit filed against me. 
Stop any further collection actions. 
Be held accountable for their violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

PennyMac reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my XXXX  Score went down over 50 points because of their reporting the wrong information.
Product: Checking or savings account

My account had a positive balance. It was overdrawn for just a few hours and since the bank gives an extra day, on the same day I deposited and to my surprise they charged me 3 fees of XXXX dollars each. This bank always charges unfair fees. I know it is my choice to have the service on my account, but in the same way that I fulfill my obligations, I would like them to be honest. I am tired of making the same type of complaint and the situation repeating itself. I just want them to reverse these 3 fees from my account, because I am not going to pay them and this is preventing me from using the account. I ask for an urgent solution. Thank you
Product: Debt collection

I am a XXXX, XXXX  XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX  in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX  ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX  ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX  in XXXX ) can apparently be collected as a federal debt would, through garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the US Bankruptcy Court District of New Jersey asking if they report bankruptcies to the credit bureaus. I received the attached letter back from the US Bankruptcy Court District of New Jersey stating They do not report or provide information to any credit bureaus or agencies. The court further stated that They do not have any affiliation with the credit agencies, nor does it have any knowledge of, or access to, their procedures and records. 

So, if that is the case how did the credit bureaus edify this XXXX  XXXX XXXX  as 100 % accurate. The credit bureaus never did a fair investigation according to the 15 USC 1681. They are falsely stating this information on my credit report and have yet to remove this from my credit report. I have included tracking numbers confirming my disputes were sent by certified mail. I would like for you to have them take this unvalidated information off of my credit report. 

The credit bureaus have violated my rights under 15 USC 1681 numerous times. 
15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to 15 USC 1681 Section 602 A : It states I have the right to privacy.

According to 15 USC 1681 Section 604 A, Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) : it states 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. 

On XX/XX/XXXXXXXX  I mailed letters to XXXX XXXX, XXXX and US Bankruptcy Court District of New Jersey. Please see tracking # s below. 
XXXX XXXX ( USPS Certified Mail Tracking # XXXX ) XXXX  ( USPS Certified Mail Tracking # XXXX ) US Bankruptcy Court of NJ ( USPS Certified Mail Tracking # XXXX ) On XX/XX/XXXXXXXX  I mailed letters to the 3 Credit Bureaus XXXX XXXX, XXXX and TransUnion. Please see tracking numbers below. 
XXXX ( USPS Certified Mail Tracking # XXXX ) XXXX ( USPS Certified Mail Tracking # XXXX ) TransUnion ( USPS Certified Mail Tracking # XXXX ) None of these credit reporting agencies have removed this XXXX  XXXX XXXX  from my credit report, as I have requested. Again, I would like for you to have them take this unvalidated information off of my credit report. They are violating my rights under 15 USC 1681 numerous times.
Product: Credit card

Normally I have this Card by Capital one but I am not using it. They charged Annual fee but they didnt inform me about this payment and late fees. Without giving any information They closed my card when I learnt it I tried to pay and reopen my account unfortunately they are not helping and it is effecting my score very badly. I am asking them How can you close my account without sending any information by Mail or email. They dont have any reasonable explanation. What can I do to fix it. Thanks XXXX
Product: Debt collection

After receiving five letters back to back from UNITED RESOURCE SYSTEMS I responded to all letters with the reason and information that the amount you have sent is wrong and I am in contact with XXXX XXXX ( the company referred the matter to United Resource services ) company to resolve it. 
I explained to United Resource Systems that my former employer did not pay my wages and entitlements and as a result, I am disputing their bill. 
I even sent two times my communication with XXXX to United Resource Systems to show them that I am trying to reach out to XXXX XXXX XXXX to sort out the response. 
They did not respond to my requests. However, United Resource Systems reported a disputed bill to Credit Reporting Agencies. I even contacted United Resource Systems and after clarifying the nature of the dispute I asked them to remove the incorrect credit reporting. They did not take action and just keep sending the same letter over and over. 

On dates XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I have reached XXXX and United Resource Systems by mail and on three occasions by phone during that period to try to solve the matter. However, they chose not to respond and report the disputed bills to Credit reporting agencies to damage my credit score and consumer report. 

The disputed bill is {$2000.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, ALLY FINANCIAL has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, XXXX and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, XXXX  address found on my credit report.
Product: Money transfer, virtual currency, or money service

Money sent to wrong recipient through Zelle. No refund or reversal offered. No option given. {$1800.00} gone with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.