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

On or about XX/XX/2019, my XXXX XXXXXXXX  credit card was offering an interest free balance transfer for XXXX or 24 months. I took advantage of this offer and requested a balance transfer from my Discover Credit Card balance of {$4200.00} to my XXXX XXXX  Credit Card. XXXX  forwarded to Discover a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from Discover to XXXX  they received this check. Discover indicated when they scanned the check to get the funds transfer from XXXX  their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? Discover has yet to answer this question. 
Regions charged me the full amount of {$4200.00} which I paid off. 
Discover still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to Discover and Discover said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at Discover has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with XXXX and XXXX and the BBB. 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX Portfolio  Recovery Associates , LLC XXXX XXXX XXXX XXXX CA XXXX Re : Cease and Desist Collection Efforts Account No : XXXX / Account No : XXXX To Whom It May Concern : I am writing to formally request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that Portfolio Recovery Associates , LLC immediately cease and desist all further communication and collection activities regarding the above-referenced account.

Under the FDCPA, you are prohibited from continuing to contact me or pursue collection actions once I have requested that you cease communication. Continuing to do so constitutes harassment and is a direct violation of federal law.

Legal Basis The following legal references support my demand : FDCPA 1692c ( c ) : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer. '' Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case affirms that the FDCPA applies broadly to all debt XXXX engaged in collection activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that violations of the FDCPA provide the consumer grounds to pursue damages. 

XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) : Repeated communication after a cease-and-desist request violates the FDCPA and subjects the collector to liability. 

Your Legal Obligation From this point forward, you are prohibited from contacting me via phone, mail, email, or any other medium.

Any further attempt to collect this debt or contact me will be construed as a willful violation of the FDCPA, and I will not hesitate to pursue legal remedies, including statutory damages of up to {$1000.00} per violation, as well as attorneys fees, under 15 U.S.C. 1692k.

This letter serves as formal notification that I dispute the validity of this debt. Therefore, under 15 U.S.C. 1692g ( b ), I request that you provide complete verification of the debt within 30 days. I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a certification from the Creditor that certified the accuracy and completeness of the information/account including my signature. Failure to comply with this verification process will result in further action.

Summary of Demand : Cease and desist all communication immediately.

Provide written verification of the debt, if applicable, as required under 1692g. 
Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as consider civil litigation. 

Please confirm, in writing, that you have received and will honor this cease-and-desist request. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX  told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

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, Hard inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I XXXX date XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concerns regarding the overwhelming influx of unsolicited phone calls I have been receiving since applying for a mortgage. The sheer volume of calls from various mortgage lenders received at all hours of the day, has not only disrupted my personal life but has also significantly impacted my ability to conduct business without interruption. In the span of just a day and a half, starting from Monday afternoon XX/XX/XXXX to Tuesday evening XX/XX/XXXX, I have received a staggering 59 calls on my personal cell phone and 43 calls on my business cell phone, totaling 102 calls, all of which have persisted from XXXX XXXX  until XXXX XXXX, and are continuing. 

I am baffled and deeply troubled by how my personal information has been disseminated so widely without my consent, just by having my credit run for my mortgage. This breach of privacy has left me feeling extremely disconcerted and vulnerable. 

I implore you to take swift and decisive measures to address this grievous breach of privacy with all three credit reporting platforms, XXXX, Equifax, and XXXX. Any guidance or support your team can provide in resolving this matter would be invaluable. 

I trust that you will recognize the severity of this issue and act expeditiously to rectify the situation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files
Product: Debt collection

I have a credit card with PNC. I have made perfect payments for over XXXX years, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a hurricane hit a few years ago. XXXX. I had a brain cyst and several mini strokes. I went XXXX for a short time XXXX. I had numerous surgeries where my XXXX stopped beating. XXXX. I got XXXX XXXX ( XXXX of 3 times ) during XXXX of the surgeries. I was on a ventilator. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over XXXX years of rehab to build myself back up. XXXX. I managed to keep my job until the pandemic when they laid me off after XXXX years. 14 months later my job was eliminated. And I still paid my bills on time. XXXX I applied for over XXXX jobs and have been unsucessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. XXXX. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself XXXX. My spouse emptied our retirement account. XXXX. Due to hacking, XXXX XXXX, XXXX, and other credit cards and XXXX of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. XXXX. Up to XX/XX/XXXX, Bills have were paid on time. XXXX. I called PNC the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any Covid XXXX programs. They said sorry we can not help you until you are late with your bills. I said XXXX being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. PNC has not replied to requests. PNC has not reach out to me about this. PNC this week decided to file court action in a attempt to collect debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Venmo deducted my account - {$1200.00}. I had to report fraud on my Venmo account through my bank. Bank agreed and gave me my money back. Venmo then decided to deduct that money and leave me owing money with a negative balance. 

Within that timeframe I received {$300.00} total from friends/family and that amount was used towards paying the money back Reached out to support. They investigated and closed case. Wont respond any further. 

I want the - {$1000.00} amount cleared to {$0.00} and my {$300.00} returned to me in my account.
Product: Debt collection

This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.
Product: Money transfer, virtual currency, or money service

I payed a bill from XXXX XXXX to Wells Fargo for XXXX bank to bank send XX/XX/2022 they keep saying they never received it but XXXX send it wells Fargo calls XXXX XXXX a liers receive a letter dated XX/XX/2022 saying they received it but when you call wells Fargo they say they havent iam having XXXX check and see whats going on
Product: Money transfer, virtual currency, or money service

Multiple times Ive had problems with little charges here and there on my cash app transactions. Or, they would cancel payments I was trying to make at certain places for no reason. When I would try to ask cash app support about this I would have to ask the chat bot first and it would be no help at all as it was a very automated response system. When I told the chat bot it did not help, it would tell me to check back later for a real response from the support team. That would take up to 1 or 2 days usually. This caused me just to have to loose the funds because even the real support did not help me! Ive heard stories from friends that the same has happened to them. I liked the ease of cash app of first but now they are down right sneaky.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety. Want to see if you
Product: Debt collection

I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!
Product: Credit card or prepaid card

My dispute for XXXX by chase was never investigated, the vendor provided Chase a bill and Chase used this information to award the vendor the disputed funds without proof enough of work done. Chase thereby did not act impartially, they did not provide me their client the opportunity to share my side of the dispute alongside of supportive facts and including a letter that was sent by my attorney stating the CPA did not abide to our contract and billed for work not approved by the client and not in line with the terms of our agreement. No attestation of proof and statements of facts were allowed or considered by Chase. They received the dispute on XX/XX/2021 and never contacted me until XX/XX/XXXX with their decision to award the disputed funds to the vendor. In addition since the CPA violated our agreement and his professional oath of confidentiality by sharing financial information in his description of the work which resulted in Chase decreasing my credit limit by XXXX although my credit profile ( use of card, credit balance and credit score ) have been the same for the last 5 years .I have never been late on payment, have a 660+ score and have paid down my card several times over the last 2 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : 1. XXXX Account # XXXX ( Collection/Charge-Off ) 2. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) 3. XXXX XXXX Account # XXXX ( collection ) 4. XXXXXXXX XXXX -Account # XXXX ( Collection/Charge-Off ). 4. Bankruptcy XXXXAccount # XXXX ( public ). 5. XXXX XXXX XXXXXXXX XXXXAccount # XXXX ( collection/charge-off ). 6. XXXX XXXX XXXX - ( Collection/charge-off ). 7. XXXX XXXX XXXX XXXX - ( collection/charge-off ). 8. XXXX XXXX XXXX # XXXX ( Collection ). 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Payday loan, title loan, or personal loan

I contacted Citizen about my loan XXXX prior to becoming delinquent on their account to communicate that I was experiencing hardship due to being laid off and that I wanted to know what options existed for someone in my position. The woman on the phone stated that there was nothing the company offered and that my only option was to submit a payment and stated more than once that there was no option for someone experiencing hardship. 

I called back after they'd reported my account as delinquent to see if I could just payoff the account and remove the negative reporting and the new representative stated that I received false information and that Citizen DID offer hardship options to people and that the representative I spoke to should have provided me with those options. Had I received those options, I am sure I could have prevented my account from becoming delinquent. 

Therefore, had I been given all of the information when I first called ( before I became delinquent ) I would not have had to go through the negative reporting. I was not given complete information, the first representative was lazy and unprofessional and as a result my credit report was impacted. I know all calls are recorded and the first call should be recorded, I want a supervisor or manager to listen to the first and second call so they can see how stark the differences are and I need an explanation as to why their representatives are not trained the same, and I need that negative reporting removed because I could have worked out an arrangement on the first call, BEFORE I WAS LATE, and prevented my credit score from being impacted.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

Rece

ntly I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

AMSCOT are representing XXXX. 
I want to send money, an associate 's named XXXX, tell me she can't do the service for me, for a reason she can't disclose. I called the corporate they tell the same thing. 
I thing this is a mere discrimination, I denied a service open to everyone without reasons