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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Regards, ( redacted )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX. Saying I have 3 items on my credit report and it's been paid and they are trying to get more money out of me. These bills have been paid and they won't take them off my credit report. I have ask them to remove them and they say unless I paid them directly they won't remove them. I'm very concern that they are ripping other citizens off. Please investigate this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

My account with 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 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 that are reported 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 XXXX days before the payment due date. 


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 XXXX  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: Vehicle loan or lease

I had fraudulent activity on my XXXX  XXXX XXXX checking account that had a variety of auto-pay debits coming from in, including my auto loan with Wells Fargo bank XXXX I updated the banking instructions on XX/XX/2022 for them to debit my new checking account. They can see that the banking instructions were added to the system, but they still debited my old account in XXXX and XXXX. When I noticed they debited the incorrect account in XXXX, I logged in and made a triple payment : XXXX 's payment, XXXX 's payment as well as XXXX 's. At the time, I called Wells Fargo and explained to them what had happened. I was told that no 30 day late would be reported. However, in late XXXX, I did notice a late payment was reported. I contacted Wells Fargo again and was told they would correct it, but it could take up to 30 days. I have been working with them since then and have recently been told that it late will not be removed, despite their prior reassurances. I have since paid the loan off in full and this is negatively impacting my credit through no fault of my own. It appears some technical issue occurred where the new banking instructions were added, but not debited. I have never had a late payment and I was simply trying to get the updated information into their system because I was a victim of fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I XXXX XXXX attempted to purchased 4 concert tickets from a person named XXXX XXXX for {$120.00} from which I saw she was selling on XXXX. Reference # XXXX They had stated they preferred to use the app XXXX for payment. I was not familiar with this app however I saw it was linked with the bank I already use Wells Fargo. I went ahead and set up the transfer. This person then sent me another request for the same amount {$120.00} a 2nd time and never sending the tickets via email because according to them the first one did not go through. I immediately felt suspicious and called Wells Fargo to cancel the transaction however it was already completed and the only thing left for me to do was to file a claim ( claim # XXXX XXXX which I did then do. On XX/XX/XXXX I received a letter from Wells Fargo stating that the online transfer was already approved and processed and there was nothing left I could do. They can not reverse the transfer. Now I am out {$120.00} and zero concert tickets. I only used the XXXX app because it was affiliated with Wells Fargo and trusted that using my back to transfer funds would come with some sort of back up. I guess I was wrong. How is the app still being used?
Product: Debt collection

I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Debt collection

I have a collection of my XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are reporting " Time SInce Negative '' as being XX/XX/2017. This being a " Negative Account '' showing that it appears I was late or didnt pay a bill just 11 months ago vs actual 4+ years since I have been late on anything. This is having a tremendous impact on my credit score and is causing me to be unable to purchase a car. I have disputed till I can no longer dispute on line, I have called and am told " this is correct ''. First, I am not aware of this bill as I have never received any information on it. I explained to the rep with XXXX that I have a copy of my lease showing that I have lived at this address for almost 5 years and according to XXXX that isn't good enough. " They already proved it is yours ''. I dont see how, I would like something showing I singed for this contract. The rep says it isnt impacting my score but if that is the case they why even have a " Time Since Negative '' for a potential lender to see and judge me by. As I said, I have paid my bills, every one on time no late payments for the past 4+ years. In reading other post regarding XXXX   they seem to be notorius for reporting wrong " Time Since Negative '' Information causing a lot of others problems.
Product: Checking or savings account

Hello, I am writing to file a formal complaint against Chase Bank regarding the handling of a refund for my closed account. 

Over a month ago, Chase Bank closed my account without any prior notice or clear reason. Recently, I received a refund from a merchant, XXXX, who confirmed that the funds were released to my closed account on XX/XX/year>. The details of the refund are as follows : {$170.00} {$170.00} {$74.00} XXXX  provided me with the Acquirer Reference Numbers ( ARNs ) for these transactions to facilitate the trace of these funds : {$74.00} - XXXX {$170.00} - XXXX {$170.00} - XXXX I contacted Chase customer service and was transferred to several representatives. Each representative informed me that they could not assist me because my account had been closed. Despite my attempts to provide them with the XXXX numbers, they refused to accept this information or investigate further. 

XXXX has assured me that they no longer hold the funds and that the refund process is fully automated on their end. They advised me to contact Chase with the provided XXXX  numbers to trace and locate these funds. 

I am now at my wits ' end and do not know where else to turn to retrieve my funds. Chase Bank 's refusal to assist me in this matter is unacceptable. I request that the CFPB intervene to help resolve this issue and ensure that I receive the funds that are rightfully mine. 

Thank you for your attention to this matter.
Product: Student loan

I consolidated my federal student loans last year. A few years before that, my parents helped pay off of my loans. I have the documents that the loans have been paid off. I keep submitting the official paid off loan documents to Fed Loans, where I consolidated my loans with. They refuse to remove this balance, although I have proof that the loans have been paid off already. Right now, I put Fed Loan on forebearance until I can figure out how to remove this XXXX, XXXX plus balance.
Product: Debt collection

Portfolio Recovery Associates LLC we received your fake letters for a XXXX Debt. Portfolio Recovery Associates is present on my credit reports as XXXX Debt collection. But letters state : This letter is for informational purposes only and is not an attempt to collect a debt. This communication is from a debt collector but is not an attempt to collect a debt. Portfolio Recovery Associates did you add those statements because you do not have a license to collect a debt in Michigan? Lets see letter typed up on XX/XX/2020 but your Debt was purchased on XXXX XXXX this is not a chain of custody letter. This is just Portfolio Recovery Associates typing fake letters and sending out to seniors for free money Scam. My name is from the same typewriter, Portfolio phone Number is from the same typewriter. There is no creditor code on the letter and their is no such thing as the word Seller. Portfolio in your letter you state : Your credit card account with a balance of {$270.00} was acquired by Portfolio Recovery Associates, LLC on or about XX/XX/2020. Portfolio Recovery Associates you did not state any account was sold to Portfolio Recovery Associates. Their is a big difference between sold and acquired. Portfolio Recovery Associates is on my credit reports for an XXXX account collection {$270.00} in which has decrease my credit score that I can not use my credit reports during these times and with Covid-19. Portfolio Recovery Associates you owe me {$25000.00} for falsely sending letters in the mail for free money and I am going to collect. You have one day to remove yourself off my credit reports. I have sent your letters to the proper authority and you should be hearing from the authority with in 30 days
Product: Mortgage

My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. 
On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.
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 violates 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. TransUnion received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of TransUnions violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is TransUnions first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at TransUnion who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. TransUnions illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for TransUnion as I continue my private administrative process. I hereby am giving TransUnion the chance to resolve all these issues quickly to avoid further legal liability in the near future.
Product: Credit reporting or other personal consumer reports

I recently checked my Equifax credit report and noticed some incorrect information on my credit report. I noticed XXXX inquiries thats incorrect on Equifax credit report I believe someone used my personal information to apply for credit. 

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 recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX 2.XXXX XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I was a Discover customer for 8 years and used to love them. My account was always managed responsibly. I never had a late payment or went over the credit limit in 8 years. My last purchase on the card was XX/XX/XXXX. My last payment to the card was XX/XX/XXXX paying the full balance bringing the account to {$0.00}. Without notice, 11 months later, XX/XX/XXXX, Discover closed the account due to inactivity. I received notification from XXXX XXXX the account was closed and my credit score was  impacted. I called Discover XX/XX/XXXX and requested for the account to be reopened. Discover explained the account was already closed so my only option was to open a new account. I had always been a good customer and I thought we had a great relationship. 

While most of the country is being impacted by the COVID19 crisis and needs their financial institutions to be there for them, Discover wasn't there for me.
Product: Money transfer, virtual currency, or money service

Paypal says told me they can not do business with me anymore and the balance on my account will be on hold for 180 days, then I can withdraw the paypal balance. However, I saw the money on my account disappeared, in the recent activity, there is a transaction done by paypal without my authorization, on XXXX  XXXX, 2021, XXXXUSD was transferred to paypal XXXX saying about some damages caused, while they can not explain that to me when I called. paypal took the money from me and I do not have any idea about this transaction. Why they took the money from me? I was trying to reach them for help, but they can not support me. Thats why I decided to file a report here and I wish I can get the money back. The email linke to my paypal is XXXX.
Product: Credit reporting or other personal consumer reports

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ).
Product: Money transfer, virtual currency, or money service

I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.
Product: Money transfer, virtual currency, or money service

I am vowing to complain on cash app ( Block Inc. ) Due to the Wrong.

Information Customer service has provided me. It is unfair Practices Under Which violates the consumer financial protection better known as ( CFPA ). Cash app fail to provide efficient Services to prevent fog fraud and view. They didn't want to recover my money. They Left my account And unprotected This was unfair Under The electronic fund Transaction Act ( EFTS ) I am seeking compensation for these events.Because this is a big inconvenience in my life I have suffered signific loss. I need to see seek compensation for these violations
Product: Debt collection

reported negative information on my credit report. the patient was not me or my child. The patient is an adult which i have no durable power of attorney or any other instrument to make me liable for medical bills