23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I was scammed using XXXX. I used XXXX  because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX  dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to all credit bureaus XXXX, XXXX and Experian that my closed acconts as open and on time. This is a breach of information and fraudulent. My accounts can not be open and closed at the same time. This is accurate and a closed account is not active. These practices must be corrected. This is a clear violation of the FRCA. XXXX is reporting empty remarks which is hurting my account. XXXX is reporting closed accounts with remarks that are not there.
Product: Debt collection

Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX  XXXX  CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. XXXX REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



XXXX STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF XXXX  WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX XXXX ADMITTED TO REPORTING FALSE INFORMATION YET XXXX  DID NOTHING ABOUG IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have this company remove these late payments for a card that I dont even have. Definitely fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this closed/ charged off account with XXXX , Transunion , and  XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in  violation! 

I was only able to include one document as proof because this document was the only one I have saved
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit highlighting significant flaws within the platform. Despite frequent use of Zelle and reporting multiple discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings underscore Zelles failure to uphold its duty to protect consumers, enabling repeat offenders to exploit the system and leaving users exposed to scams.
Product: Credit reporting or other personal consumer reports

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I've received a letter from Portfolio Recovery Associates , LLC dated XX/XX/XXXX as a response to my previous CFPB complaint sent on XX/XX/XXXX. The complaint number referenced is : XXXX. In that complaint I demanded Portfolio Recovery Associates , LLC to provide full disclosure and original accounting documentation proving their lawful right to continually report derogatory information to each of my consumer reports. The referenced account number is : XXXX. The referenced balance is : {$900.00}. I refuse to pay this alleged debt. No contract between Portfolio Recovery Associates , LLC and I, the consumer exist. I demand this information be deleted from each of my consumer reports immediately and permanently. I am in possession of photocopied/manufactured documents containing both false and misleading information. As a debt collector/buyer, Portfolio Recovery Associates is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. This act of non-compliance proves their willful negligence in continuing to report derogatory information to my consumer report that is both damaging and defamatory. Portfolio Recovery Associates has neither properly verified or validated anything according to law. Portfolio Recovery Associates , LLC is listing XXXX XXXX. as the seller of this information and themselves as the " present creditor ; both direct examples of fraud and intentional misrepresentation. These derogatory items actively reporting on my consumer reports are direct examples of libel. All of which are keeping me under duress. Portfolio Recovery Associates , LLC is acting with malice and reckless disregard. The bill of sale included in their documentation further displays their attempts at extortion and an outright display of an inequitable transaction that continues to cause harm to me as the injured party. According to Portfolio Recovery Associates , LLC documentation, XXXX XXXX charged off the alleged account, recorded such as company loss, received a tax break, sold it to Portfolio Recovery Associates , LLC for profit and never provided me with the IRS form 1099-c for tax purposes to claim as income on my taxes. It is a violation of law to report income on a consumer report. Again, how are these actions equitable to me, the consumer? It is not. If Portfolio Recovery Associates , LLC is in fact, the present creditor on this alleged debt, I will be requesting a forensic audit according to GAAP from the IRS. I will also be requesting a forensic audit. I am submitting IRS form 3949-A for both companies listed on Portfolio Recovery Associates , LLC documentation sent to me dated : XX/XX/XXXX. 

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from Experian. 

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 {$0.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX  {$280.00} XX/XX/XXXX
Product: Checking or savings account

My complaint is regarding City Bank. Citi Bank is reporting inaccurate and false information to the credit Bureaus. Citi Bank is reporting XX/XX/2018 delinquent to the credit bureaus. I contacted the Bank and spoke to a representative he went over the payment history with me I told him about the {$270.00} was debited from my bank account for the month of XX/XX/XXXX. The representative from Citi bank told me to send in my bank statement and a copy of my credit report and Citi bank will update this delinquency on my account. After sending the Bank what ever they wanted and proving them I made my payment on time they they didn't want anything to do with that information anymore. They didn't change their reporting even after the fact I've sent my Bank ststement.
Product: Checking or savings account

The FCC issued national security threat warnings about foreign software companies in XX/XX/XXXX. I had been using one of those products which was manufactured in XXXX and, heeding the FCC warnings, I removed the software forthwith. In early XXXX, the company began pursuing me to renew the software license. I canceled my account and they acknowledged my cancelation, but continued pursuing me using different tactics, prices, product names, and company entities. The companys efforts seemed fraudulent so I reported them to the FTC on XX/XX/XXXX. 

That same day, I gave my bank a copy of the FTC complaint and ask the bank to help me protect my account against fraudulent claims by the software company. The bank made a feeble effort to block the company but failed, and was generally apathetic and unhelpful. I felt the bank could have easily blocked any transactions from that company, but did not. At the suggestion of the bank, I cancelled my debit card and replaced it with a new one on XX/XX/XXXX. On XX/XX/XXXX, I learned that the company had been paid by the bank for a {$84.00} transaction I had not authorized and had asked the bank to block the day before. I believe it could have easily stopped that fraudulent transaction, but the bank failed and subsequently denied my disputed claim.
Product: Credit reporting or other personal consumer reports

I paid off my loan and credit cards XX/XX/XXXX and it is not updated with the companies on my credit report with all credit bureaus as {$0.00} balance. They reported on XX/XX/XXXX on my new credit report that I have a balance. This is for both loans and credit cards. I called the credit bureaus and they did not update the info. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX The amounts I paid are attached.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting

XXXX XXXX XXXX XXXX XXXX  PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to order a XXXX for apple And had to set up a Apple Card Application, I was denied for my identification, I figured out why and tried to change and it it was declined again for trying to correct my error and it says I have tried to many times now, and I just want to clear it up so I can get my application approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX through XXXX I have been trying to solve an incorrect reporting by National Credit Systems Inc. In XXXX of XXXX I consulted with an atty to represent me on my behalf of which they agreed, and the attorney group sent a letter to National Credit Systems via certified letter of which it revealed they received the letter and did not comply with my request. since thus time this company has not mail any supporting documents to the attorney group to support why they are reporting a charge of {$6900.00} on all XXXX major credit bureaus, which is greatly impacting me. Additionally, I have sent letters to the credit bureaus in XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX, still no resolve. National Credit Sytems continues to update credit report monthly siting collection.
Product: Checking or savings account

Someone has stolten my personal information, such as an account number or secuiry number of my debit card to make the fraud transaction of my American checking account via the third-party company including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It happended at the XXXX  of XXXX when I was sleeping, so I do not know anything about these transactions or the receivers. I was lost almost {$6000.00}, that was a big amount because I'm just a XXXX XXXX XXXX  ( also this is my first time in the US ). My English is not so good, so I don't know where to report this problem or who I hould contact to bring my money back. I just called the bank 's service and they said that they will do the research, but no gurantee when this is finished.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX -Acct # XXXXXXXX XXXX XXXX-Acct # XXXXXXXX XXXX XXXXAcct # XXXX, XXXXXXXX XXXX XXXX-Acct # XXXX and XXXX XXXX-Acct # XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

I applied for a capital one credit and was denied. I contacted them via the phone regarding the declination and was told that they were unable to locate any previous account. I did have one account, over 20 years ago, but I can not remember the basis on that account closure. My credit has tremendously improved as well as my income since then. So I am unsure as to why I am being declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a woman who sent me a XXXX friend request. In her text she asked if I would like to make more money to donate to a nonprofit I had started 12 years ago. She said that she was a senior financial advisor, CFO of a cosmetic medical company and just started her own company. She was buying and selling crypto coin options and could make a good profit. Over time she would encourage me to add money to my own options account that she showed me how to set up. Options were bought at Crypto.com and then sold on XXXX. I would send wire transfers from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  and they would send a transfer to Crypto.com where we bought the coin options, then sell them on XXXX. I was encouraged to take out loans since the balance was growing and they would be paid off the increasing account balance. My account got to {$350000.00} and I wanted to cash out my account to pay the three loans that were due soon. On XX/XX/23, under the directions of the XXXX XXXX, I tried to cash out my account. This is done on a Chat on the XXXX website. When I told them that I wanted my account to Crypto.com I was told that I needed to pay an additional {$140000.00} to be able to reach a level to get my money out or to trade again. Since the morning of XX/XX/23 I have not been able to withdraw my money or make a trade. I have no access to do anything on my account. I have screen shots and paper documentation for my entirety of this process. I have screen shot of the wire transfers on Crypyo.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiries on my Experian credit report. 

XXXX  XXXX XXXX, inquiry date XX/XX/2020. This inquiry is unauthorized, a violation of FCRA rules XXXX XXXX  XXXX, inquiry date XX/XX/2020, This inquiry is unauthorized. A violation of FCRA rules. 

XXXX, inquiry on authorized, a violation of FCRA rules
Product: Debt collection

This illegitimate debt that was already PAID IN FULL to XXXX XXXX XXXX , XXXX in XXXX and XXXX XXXX working with each other and was handed over by them to CBE Group , Inc. in the last year XXXX for possible more illegal collection. CBE Group , Inc. has attempted on many occasions to contact me by mail and phone regarding this PAID IN FULL amount as seen on the photos attached herein. They have also tried personal harassment at my gym, shopping centers, and eateries as well as following me in cars and trucks of which my attorneys private investigators have video taped and cross checked names and address 's of the owners of said vehicles and employment histories.. We have turned all information to the Ca. State Attorney Generals offices as well as the FBI Offices in XXXX Ca. for Highly illegal EXTORTION attempts as well as Collusion to commit crime as an organization under Federal RICO Act. Stated clearly in the document using U.S. MAIL system on the envelope it was mailed in constitutes Federal Mail Fraud and that is included per the photos enclosed.. XXXX XXXX XXXX , XXXX handed this file over to CBE Group , Inc. knowing full well it had been previously PAID IN FULL in XXXX for the amount of {$2300.00} and Nothing was then owed again.. CBE Group, Inc. then attempted ti send letters dated XX/XX/XXXX!! to collect an additional {$710.00} that was part of the original payoff to XXXX XXXX XXXX , XXXX in XXXX per XXXX answer to the complaint filed on XX/XX/XXXX here in CFPB. So how does a NEW. bill show up for the same PAID IN FULL account XXXX years PREVIOUS?! 
This is a classic " Handoff '' the FBI has informed my attorney to collect further debt illegally and with malice intended of a debt not owed.. CBE Group , Inc. knows full well that my name was changed legally in XXXX XXXX XXXX for inheritance purposes from XXXX XXXX , my step dads family name to, XXXX XXXX as per my Ca. State Drivers license, U.S. Passport and Social Security Number. They know this clearly and still harass by using a prior legal name that has been changed for over 3 years. It's clear they don't think the law applies to them so we will have show them that it does apply. The recently passed Collection Act in XXXX of XXXX will soon see addendums being added to it to curb all illegal activities of Collection Co 's in Ca. as per our conversations with law enforcement and judiciary commitees. The DRE, Construction Licensing, Labor, Medical, Insurance, review boards came into existence in California and Federally for this very reason.. To many idiots that think they are above the law and abusing it regularly...
Product: Debt collection

On XXXX/XXXX/XXXX both my son and I were contacted on our cell phones with a message left by Pro Collect, Inc. On the same day, we returned the call and were advised that they were collecting {$50.00} for an unpaid charge from XXXX XXXX in XXXX , SC ( an apartment complex where my son had lived and moved at the end of his lease on XXXX/XXXX/XXXX ). I explained to the Pro Collect representative that the charge was in dispute because the touch up paint work ( which is what the {$50.00} related to ) had not been done. Pro Collect would not note the file as in dispute on " refusal to pay '' and threatened a " hit '' and " ding '' on my credit report as well as my son 's if payment was not received by XXXX/XXXX/XXXX. This was only 3 days from the date of contact. Asked for something in writing - was told that would take 5-7 days but I still had to pay within the 3 days. Pro Collect would not fax nor email the requested written information. Pro Collect representative said " well we mailed a letter and must have been sent to a wrong address ''. But the representative could not verify to me what address the letter had purportedly been sent. I have been in touch with the apartment complex to sort this out, but so far have not been in receipt of any substantive information. Only been getting the run around here to. I have had to pay the {$50.00} plus {$7.00} collection fee via credit card today via Pro Collect website because of fear of credit reporting issues. I am appalled at the extortion that this company uses to collect funds. They refuse to work with you even when you are above board and NOT avoiding the calls or issue at hand. All I wanted is for Pro Collect to annotate the file as disputed to enable me to again follow up with the original credit for resolution of the issue.
Product: Credit card

XXXX on return receipt : Macy 's XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Order # XXXX. 

On XX/XX/XXXX I returned a purchased item to a Macy 's store. The receipt says to " allow XXXX business days for the shipment and processing. '' XXXX business days from XX/XX/XXXX is XX/XX/XXXX. 

I called on XX/XX/XXXX to inquire about the refund. I spoke with XXXX ( sp? ) and was told that the tracking slip said the returned item delivered on XX/XX/XXXX so I should see the refund within a week. I also asked about interest accrual and was ensured that the interest would be credited along with the purchase price of {$56.00}. 

It's now XX/XX/XXXX and I still have no refund. I tried calling the credit card service line twice today. Once, the automated message said that they can't access their records right now and to call back later. I called back and got through the automation to hold for a representative. After holding for XXXX minutes it dropped my call.
Product: Money transfer, virtual currency, or money service

A month or so ago, I had 2 Cash App cards issued to me, arriving on the same day, without my having ever requested them. It look several hours of my time and 2 XXXX  complaints to get confirmation that the accounts were closed. The company does not have a dedicated call line to get the issued resolved. 

To my great annoyance, a new card arrived today. I have no interest in ever having a product of this company associated with my name.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XX/XX/2024