23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : The Office of Registered Agent for XXXX XXXX XXXX From XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX Spoke with Global Lending about my payment, the lady whom I was speaking with assured me that if I made a payment on XX/XX/XXXX and then call back to set up the next payment because it could not be set up online that everything would be fine and that the car was no even in critical stages until 90 days late the car on XX/XX/XXXX would have been 87 days late. Payment was set up for XX/XX/XXXX to be drafted for my account on XX/XX/XXXX everything was fine. XX/XX/XXXX I stop at XXXX XXXX XXXX to have my car repossessed car payment was still set up for XX/XX/XXXX nothing had changed. I sit in my car in the gas station parking lot with a third-party repossession truck until the bank opens to be told that my account had no new notes that is not my problem but your employees did not do their job. This is not the first time that Ive had dealings that were unethical by this company. I was going on about my day not realizing that I was lied to and embarrass in the parking lot of sheets where we sit for an hour until the bank open. Now Im on the hook for the repo fees. Also the two truck driver was not a normal company they used and he knew all my personal information as well as payment information. He even said this process was not appropriately handled. I had to give them {$1600.00} to get my car lowered, so I could go to work. You should not treat your consumers this way
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX closed my brokerage account saying it was under a financial/fraud review. On XXXX XXXX I told them to just close my account since they hadn't contacted me to conduct the financial/fraud review and to send me a check for the {$1000.00} balance in the account. As of XX/XX/XXXX, they still have not contacted me or sent me a check for my remaining balance. I understand that the fraud department might be backed up, but holding my {$1000.00} locked for a month is ridiculous.
Product: Credit card or prepaid card

I attempted to make my rwgular payment of {$100.00} per month. The customer service told me I needed to pay {$170.00} because I was over my limit of ( {$5500.00} ). When I opened my account I never agreed to be allowed to charge more then the limit given. 

I was allowed to charge {$800.00} over my limit. I was advised in 2009 companies were not allowed to allow the consumer to use more then their credit limit. 

I was told today I must bring my account current to avoid incurring over limit & late fees. 

I do not feel this is right.I feel they took advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out XXXX dispute letters each to Transunion, XXXX, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXX ; [ XXXX ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.
Product: Mortgage

We bought our home through Wells Fargo in XX/XX/2016. The following XXXX, we received a letter from Wells Fargo saying that we were {$4500.00} behind in our escrow account. They originally tried to blame the problem on me telling me that my taxes must've gone up. My taxes did not go up. Then they told me that I should have a savings account to handle these types of problems. After reviewing the deficit, they realize the mistake was theirs. I was then forced to pay {$4500.00} to get my account up-to-date. I asked them if it would be acceptable if I transferred the money from my account to my mortgage with a note in the memo stating this was for escrow. They told me that that would be fine. I then transferred the {$4500.00} with a note in the memo. I also adjusted my monthly payments to reflect the increase in the escrow amount. Not long after I received a note from Wells Fargo stating that I was {$11000.00} behind in my mortgage. We have never missed a payment, everyone of our payments has been on time. When I called them to discuss the letter I received it was determined they had misapplied my {$4500.00} and somehow managed to screw up my mortgage payment history. After spending some time on the phone with them they rectified my payments. However, just yesterday I received another note from them saying that again we are behind on our escrow. Wells Fargo is a train wreck.
Product: Credit card

Chase XXXX XXXX assessed interest and late fees of {$260.00} based on a fraudulent charge of {$60.00} which I disputed. I called numerous times to get the interest and late fees removed and I was treated like a piece of garbage. On XX/XX/year> they removed the disputed fraudulent charge of {$60.00} but they classified the interest and fees of {$260.00} as a charge off which negatively impacted my credit score. Chase should not have classified the interest and late fees of {$260.00} as a charge off because it was directly related to the disputed fraudulent charge of {$60.00}. Because of their inaccurate reporting and their negligence in resolving this dispute, my credit score has been greatly affected. Chase claimed they did not originally realize it was a fraudulent charge because I did business with this company and there were charges after the original transaction. I only swiped my card once and the company added fraudulent charges later. This has caused many problems in my life. Please have them remove the charge off classification of interest and late fees because they should never have been assessed on a disputed fraudulent charge. I have tried to deal with ALL 3 credit reporting agencies regarding this matter and their response is that the Chases use of the charge offclassification is what is negatively affecting my credit score! I should be rewarded compensation because due to this I did not receive any other credit offers to roll over debt that I had on another credit card forcing me to dip into emergency savings. This has caused extreme emotional distress. PLEASE HELP ME!!!
Product: Credit card

I filed a fraud dispute with my XXXX  XXXX from a purchase in XXXX with XXXX XXXX and XXXX in Florida. 

They honored the fraud on the XXXX purchase and refunded that money, but the XXXX XXXX they did not. They are both fraud they are both on the same day and they are both from Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .
Product: Checking or savings account

When I was closing my account with Robinhood, one of their employees, XXXX, kept making XXXXXXXX XXXX XXXX XXXX. I tried to tell Robinhood staff that it made me extremely uncomfortable but they refused to listen because XXXX kept interjecting himself into the conversations I was having with other Robinhood staff. XXXX no longer works at the company as I suspected already it was very likely because of his demeanor with myself as well as other customers who XXXX had problems with in the past.
Product: Money transfer, virtual currency, or money service

PayPal " Return Shipping on Us '' was supposed to be working until XX/XX/XXXX. 

As per https : //www.paypal.com/us/cshelp/article/HELP692, " You can submit Return Shipping on Us claims until XXXX XXXXXXXX XXXXl time on XX/XX/2022. Starting the very next day, XX/XX/2022, the service will no longer be available. 

Make sure to submit eligible requests as soon as you can to help ensure they get received and reviewed as usual. '' In the same article, it states below that : " If you submit an eligible request before XX/XX/2022, it will be reviewed as usual. If approved, the claim will be processed even after Return Shipping on Us has been turned off. '' Knowing that, I used PayPal for 3 transactions between XX/XX/XXXX and XX/XX/XXXX, believing the " return shipping on us '' would still be available. 

When I tried to submit refund requests for " Return shipping on us '' on XX/XX/XXXX, the button on the Paypal website to do so had been removed. I tried to fix this, both over the phone and over support provided on XXXX on the PayPal support account, and I gaslighted by several PayPal support representatives, saying in turns that the transactions weren't eligible ( they certainly were, looking at the Terms and Conditions for the Return on Us service ), that the promotion had stopped ( it certainly hadn't ), that claims should have been submitted before end of XXXX ( certainly not the case as per the above ). 

This is unacceptable behavior from PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contact Experian to find out why my credit score dropped XXXX  points and no one could tell me. I received five different numbers to call to get my Question answered. The last phone number I received was for credit counseling. I dont need credit counseling, I need to find out why my credit score dropped XXXX  points. Ive had this same problem before with Experian. When my credit gets a certain point, they bust it down about 30-40 points without a clear explanation. No late fees or payment to justify the decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses that are inaccurate.
Product: Credit card

I had a Kohls charge account for the past 7 or so years. Out of nowhere, I began receiving email from Capital One stating that my account was past due, unpaid, and also being reported to the credit bureaus. I had no knowledge of any Capital One account, card, or anything having not received a card, statement, nor not even having signed up for a Capital One account. When calling into Kohls customer service, I was advised that I had a XXXX balance on my Kohls account. Reportedly, these companies merged sometime last XXXX. I called into Capital One credit services and requested a card, a statement, or any information regarding this account. They have denied me any access to this. I am currently being charged interest, late fees, having my credit affected regarding this " account '' to which I have no access, knowledge nor have agreed to any terms and conditions for using. I have reported this to the credit bureaus but still can not procure any information as to the inception of this account, or any means to rectify the balance, even though Kohls has stated I did not owe them any money. I did not agree to a Capital one card at any point in the last 24 months, nor do I even have a card in physical possession to use, or any statement to confirm these charges.
Product: Credit reporting or other personal consumer reports

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit bureaus consumer report and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX XXXX Owed : {$120.00}, XXXX  XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX Balance Owed : {$950.00}, XXXX XXXXXXXX Balance Owed : {$2.00}, and XXXX  XXXX Balance Owed : {$0.00} or XXXX  XXXX Balance Owed : {$0.00}. 

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this accounts on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC S1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Failure to respond satisfactorily with fixed of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15USC S1681 violations for willful noncompliance S616. Civil liability for willful noncompliance { 15 U.S.C. S1681n }
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EQUIFAX INFORMATION SERVICES LLC XXXX reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card 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 XXXXThese accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, and XXXX consistently respond within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates are reasonable investigations of disputes? Furthermore, Equifax, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against some of them for similar violations, I request that the CFPB take action to ensure Equifax, XXXX, and XXXX comply with federal law and provide consumers with the necessary proof of investigation. Please find the account listed below that I have marked as inaccurate : XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. An account showing through EQUIFAX does not have a name listed for the debt collector or original creditor the only thing showing is the amount of {$1300.00}. 
XXXX. XXXX XXXX XXXX