23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that I hereby dispute the validity of the above listed alleged debt in its entirety. I requested verification/validation of the alleged debt and specifically request a copy of a contract agreement signed by the alleged original creditor and all parties to any such contract provided. I also requested a copy or agreement with my wet ink signature on it, proof SOURCE RECEIVABLES is contracted and allowed to collect on this alleged debt per 15 U.S. Code 1692a ( 6 ). Also, requested was proof this alleged debt was sold to you per 15 U.S. Code 1692a ( 4 ). Section 1682G ( B ) of the FCRA states the consumer has rights to request the proof of the chain of title of ownership of any alleged debt reported on a consumers credit report. On XX/XX/XXXX this third party collection company stated in response to a CFPB XXXX that Source Receivables Management was hired by XXXX to collect on the past due balance of {$940.00} for the account ending in XXXX. This account was placed in our office on XX/XX/XXXX and we mailed validation of the debt on XX/XX/XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. PER 15 U.S Code 1692e states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company wasnt in fact hired by T-Mobile. I fear this collection company is using illegal, unfair and abusive practices to collect on alleged debt per 15 U.S. Code 1692a/15 U.S. Code 1692f. This collection company is violating my consumer rights. On XX/XX/XXXX, I sent a letter to this collection company stating any communication with me without proper validation of this alleged debt will be considered as harassment per 15 U.S. CODE 1692d. This company reached back out to me on XX/XX/XXXX to send me only a T-mobile invoice which validates nothing.
Product: Money transfer, virtual currency, or money service

I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.
Product: Debt collection

For the past three months I've received a phone call from iq data International nearly every other day. Whenever I answer they ask for me by name but when I ask who's calling they refuse to say who they are with, the agent gives his name XXXX but then when I ask the company he's calling for he says does it matter? Absolutely refuses to tell me who he's with and gets very rude when i ask questions. I only know it's iq data international by calling the number back.
Product: Credit reporting or other personal consumer reports

The name of the account is Fortiva. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in XXXX This account was never late nor does my credit report reflect late payments. Yet Fortiva has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I've already had a lot of transactions in my account without any problems like this. There's this XXXX transaction ( XXXX XX/XX/2024 at XXXXXXXX XXXX XXXXXXXX, Amount : {$64.00} USD ) where the purchaser asked for a refund so I submitted the information asked on my side ( Sat, XX/XX/XXXX, XXXX ). The company then emailed me ( Sun, XX/XX/XXXX, XXXX ) that I needed to provide more business information, which I did and submitted the documents to their platform. NOW, unexpectedly and unjustly, the company permanently limited my account and provided incorrect information in the email, saying that my account is linked to another account with unresolved cases. I called their customer service a lot of times, and they just said that they couldn't do anything about it. Even XXXX of their customer service agents said that it might sound unfair on my side, which it is. Now, what I think here is a misunderstanding on the part of the part of the person who put the limit on my account or just triggered the automated system. I have emailed the company in their different emails and explained all of it without any response received from them for the past 5 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was A Victim Of Stolen Identity And In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. It is also against the law to report transaction history. Any and all transactions should be deleted. Also, 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I had a credit card account with Citibank and got closed due to no transaction. I moved out of XXXX during the Citibank shutdown their service in Texas and hence i could n't keep my credit account active as it is only linked with my citi checking account. Now when i returned, i noticed that my credit score is not available and when i checked with XXXX, i came to know that my credit card account details were not reported to credit unions till date. This resulted in loss of business deals and other purchase offers. Please do the necessary to revert back my status and compensate for my loss and sufferings.
Product: Credit reporting

XXXX EXPERIANAccount has been paid in full by creditor, legally resolved with lawyers five years ago, I told this to the collection company, but they still put on my credit reports. 
Company XXXX Status CollectionsStatus Date XXXX $ XXXX Date N/AAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX companies are buying old credit reports, and are phishing to collect. This should be illegal and companies should be held responsible. These companies should not be allowed to put any negative information on credit reports without a mediator.
Product: Money transfer, virtual currency, or money service

The complaint is about PayPal , Inc . 
On XXXX XX/XX/2020, Paypal debited my bank account for the amount of XXXX for delivery of certain goods. 
The goods were not delivered and my emails to the vendor were remained unanswered. 
On XXXX XX/XX/2020 I filed a complaint to Paypal informing them that the goods were not delivered and no response from vendor had been received. 
On XXXX XX/XX/2020 Paypal informed me that they have contacted the vendor but not received any reply. I filed to Paypal again to escalate my complaint. 
On XXXX XX/XX/2020 Paypal informed me they have contacted the vendor. 
On XXXX XX/XX/2020 I provided copies of my emails requests ( all left unanswered by seller ) to Paypal. 
On XXXX XX/XX/2020, Paypal provided a webllink XXXX XXXX XXXX XXXX XXXX alleging the goods were delivered. 
Since XXXX XX/XX/2020 till now, I have checked the alleged website, there is no email address for contact and there is no online form for contact either. Then repeatedly, I have asked Paypal through online message cerntre to provide me a proper email address for the alleged shipping company so I could contact, as of now Paypal has refused to do. I have also requested Paypal to provide me with details of its regulator, and Paypal again has refused to do. The website of Paypal says I can request print copies of online messages - I have requested print copies of messages to be sent to me and Paypal has refused to do and hence has false and misleading information on its website. I have also filed complaint about the Paypal conduct through their website since XXXX XX/XX/2020 and they have not replied. Today, XXXX XX/XX/2020, they sent me a message through their message center saying they can not do anything. I am filing complaint against Paypal for ( 1 ) charging my account but not delivering the goods, ( 2 ) refusing to provide proper email address for communication with them and/or with the alleged shipping entity, ( 3 ) refusing to provide me print copies of my online messages to them, ( 4 ) refusing to provide me details of their regulator for me to file a complaint against them, ( 5 ) refusing to answer to my specific questions but trying to frustrate me and waste my time through their online messaging center which they refuse to provide me copies and there is no mechanism on their website for printing the messages. 
If you require any other information, please do not hesitate to ask.
Product: Debt collection

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. credit collection services company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Product: Vehicle loan or lease

on XXXX XXXX i open up auto loan with XXXX XXXX. I was bring in that much income so i got behind on some payment which cause me to be 30 day late XXXX and XX/XX/XXXX, XXXX, XX/XX/XXXX due to the covid 19 and on XXXX and XX/XX/XXXX due to the covid 19 i ask capital one auto can they please remove this late payments has i one time courtesy they said no please help me
Product: Mortgage

We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several errors that could negatively impact my credit profile. There is a name variation that is incorrect and should be removed. Additionally, there are two addresses listed incorrectly : XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ' and XXXX XXXX XXXX, XXXX, MA XXXX ' . These addresses do not belong to me and need to be removed immediately. I currently reside at XXXX XXXX XXXX, XXXX, MA XXXX. Also, please remove the employer " XXXX XXXX XXXX, '' as it does not reflect my current employer. Inaccurate information like this can lead to fraud, identity theft, or confusion about my financial history and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate. My credit report should only contain my verified and correct details. Please update my report promptly to ensure its accuracy. Thank you for addressing this matter quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX accounXXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Product: Credit card

On XX/XX/XXXX I applied for the XXXX XXXX XXXX American Express card. 

Ref Number : XXXX I filled my application correctly with very high income vs debt. I got a bankruptcy XXXX on XXXX  at around XXXX. This bankruptcy is the only negative hit on my credit. All my payments have always been on time. I even have a score that ranges from XXXX. I called american express to see if my application could be manually reviewed since I have never hold and account with American express and i have such a high income and almost cero debt with good credit. They confirm my application was solely denied due to a bankruptcy and nothing could be done to review this or have a decision reverted. This is direct discrimination on behalf of American Express to me as a business.
Product: Mortgage

I went to the bank to get mortgage documents notarized and they did not have a notary on staff. Not only that but their website said I should be able to schedule a notary but the website was not working. My complaint is regarding the fact that they did not have a notary available to us at the time we came in and that we could not schedule a notary due to their website being down.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chexsystems and XXXX credit XXXX XXXX XXXX XXXX information appearing on my Chexsystems and XXXX credit 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 information that was not by me on opened XX/XX/scrub>XXXX XXXX XXXX under the account number XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Chexsystems credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXX and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 

I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX
Product: Debt collection

Back in XXXX XXXX  suffered a major security breach that left millions of consumers at risk for identity theft. The information compromised in this breach included consumers names, addresses, phone numbers, social security numbers, date of birth, along with other personal information that is important to keep secure, however XXXX  did not do this for any of their consumers. As a result of my information being compromised, several accounts and unauthorized information has been placed on my credit file. 

I have contacted you several times in regards to this incorrect information being posted on my credit file, I have requested in three different letters that you provide me with proper validation ( 609 letter ) proving this information as legal and correct. Your company has refused to provide me with legal documentation proving this information to be true. Under the Fair Debt Collection Protection Act I am currently bringing this information forth to a judge here in XXXX XXXX Georgia, on Monday XX/XX/XXXX if this information is not removed from my credit file within 24 hours. 

Legally I should not and will not continue to suffer mentally while your company continues to report this false information to my credit file. I am distressed that you have continued to report this false information, while also not providing me with the proper paperwork ( 609 debt validation ) which I have requested several times from you.