23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently applied to wells Fargo for credit card but my income is to low hold account I need assistance opening account apply for mortgage due XXXX and lack income verification so I can have housing attend college even though I haven't had time complete certification courses for construction and music and other business administration licenses to have account features. # XXXX
Product: Debt collection

Visited XXXX today and noticed a collection from Midwest Recovery Systems for {$770.00} representing the original creditor XXXX XXXX XXXX ( out of business per BBB ). This is obviously not my debt, when looking up the Payday Loan company that they say I got this loan through, all comments and reviews are it being a scam Payday loan company using threats to get money for unproven loans. I will be contacting all XXXX credit bureaus, the CFPB, FTC, and reporting this to the local police. Of course no letter in the mail either.
Product: Debt collection

I am writing to file a complaint regarding an alleged debt that has been associated with my account at XXXX XXXX. I have reviewed my sXXXX XXXX which clearly shows a XXXX balance, and I have received correspondence from the XXXX XXXX XXXX XXXX confirming that I do not owe any money. Additionally, my credit report reflects an open account status from XXXX XXXX, showing that my XXXX XXXX XXXX However, this account is incorrectly being reported, as the alleged balance being reported by Key 2 Recovery is different from what is reflected by credit reporting agencies. 

I am requesting that the CFPB assist me in ensuring that this erroneous debt claim is removed from my records. Furthermore, I seek financial compensation as allowed by law due to the false reporting of this debt. I believe my consumer rights have been violated, and I would like for this issue to be resolved promptly, with all incorrect information removed from my credit report in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit card or prepaid card

My XX/XX/2019 Citi Aadvantage Platinum Master Card statement had fees totaling {$3900.00}. I paid {$3500.00}. There was a balance of {$490.00}. On the XX/XX/2019 statement, I was charged {$100.00} interest on {$4600.00} ( D ) at 25.49 % ( V ). There is no justification for charging me {$100.00} on {$4600.00}, when the carryover was only {$490.00}. 

The XX/XX/2019 balance was {$2500.00}. That included {$490.00} carryover and {$1900.00} in new charges ( which weren't yet due ). The total amount due on XX/XX/2019 in terms of charges and carryover was {$2400.00}. The amount that I should have paid interest on was {$490.00}. {$1900.00} were charges that weren't yet due and should not have been charged interest. 

At no time during the billing cycle did the average daily balance exceed {$2400.00}. And yet, the bank charged interest on a balance of {$4600.00}. 

When I called to dispute the charge, I was transferred three times around the world to customer service agents who refused to allow me to speak with a supervisor or billing specialist. It took me one hour, 27 minutes and 31 seconds of speaking to three different customer service representatives, who refused to give me their last name or employee ID numbers and refused to involved a specialist or a supervisor, who repeatedly tried to tell me that the calculation was accurate. 

The statements made by the customer service representatives were false. They lied repeatedly and consistently. The proof of the error is in Citi 's own bank statements. This kind of usury and predatory behavior is surely not legal. I'm sure that this is standard treatment at this bank, and likely at all banks and credit card operators. I'm sure that your service has had massive complaints about this. Will you help to stop this behavior? Clearly, I want my account credited and the interest to be fair and accurate. But I also want to stop this predatory behavior.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has called different family members and friends trying to get my contact information in regards to a debt. When I called the number and spoke with an agent, they informed me I owe a debt and requesting I make payment arrangements. When I ask for the original loan documentation, company, etc. they refuse to provide the information. One of my family members has received calls from the company between XX/XX/year>- XX/XX/year>. 

Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX credit card account issued by XXXX XXXX Bank. I always pay my bill in full, And I went to make a XXXX dollar payment, well 3 day 's later it never showed up, so I did it again and it then showed I made the payment. When I did it the second time it never said I had a payment pending. Well anyway they hit my bank for a double payment. I have called them numerous times and get the run around saying it will be deposited, well it has been a week and no money. I feel that they are decieving the plublic, because when I made the first payment it should have said payment paid. But what get 's me is it never said that and 3 day 's later I made the payment again thinking it never went thru and did not want interest charges, I feel when I made the payment the second time, they should have said there is a payment pending for the said amount. They made my checking go into the negative and caused me harm and emotional distress. Well they could have made it better by saying we will put it back in right away. I am still waiting. XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are numerous credit inquiries on XX/XX/scrub>XXXX that are not mine nor did I initiate credit inquiries. I have not recently applied for any vehicle or consumer loans. These credit inquires are coming from various states. Coupon booklet showed up to my home address from XXXX  XXXX XXXX and I have contacted them to dispute. Upon reviewing my credit reports with all 3 agencies, it doesn't appear to have loan balances. I have placed a credit freeze with all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CRIMINAL COMPANY IS ENGAGED IN FRAUD, DISCRIMINATION - IN HARASSING WITH RESPECT TO MY CREDIT CARD. BILLS ARE PAID ON TIME. THEY DO NOT GIVE REWARD POINT. THEY HARASS NOT AUTHORIZING TRANSACTION ANY TIME. 

THEY ARE HARASSING ME ALL THE TIME.
Product: Checking or savings account

After my apartments property manager misplaced my rent check, I called Chase Bank to place a stop payment on the check ( call occurred on XX/XX/2018 ). Apparently, the bank representative who was supposed to place the stop payment was insufficiently trained and did not do it properly. My check was later fraudulently cashed. Since then, despite a multitude of phone calls and in person visits to a bank branch, the bank has not resolved the problem. In fact, at every step along the way, at every point where new paperwork or a new motion must be filed, the bank asks me to wait a week then notifies me that an error has been made and their employee failed to correctly file the motion. 

It is now XX/XX/2018 and I have not been reimbursed for a check that was fraudulently cashed despite my having issued a stop payment. At every step along the way, Chase Bank has demonstrated lack of transparency, bureaucratic meandering, and incompetence.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and once again its some other person violating the laws the Social Security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8. Means that anyone attempting to collect a debt from me is guilty of the false claims act [ FCA ] 31 USC 3729. 12 USC 1431 banks cant loan money because theyre the borrowers.

42USC 408 asking for my social security number on any credit transactions or loans is against the law because there is no lawful money this is a crime. 15 USC 1602 I am the original creditor. 18 U.S.C. 894 is a federal statute that prohibits the use of extortionate means to collect credit extensions. It states that anyone who knowingly uses or conspires to use extortionate means to collect or attempt to collect an extension of credit, or to punish nonrepayment, can be fined or imprisoned for up to 20 years. 15 USC 1602 states I am the original creditor 15 USC finance charge shall be the sum of all charges, if it isnt its a violation. 31 U.S. Code 3123, also known as " Payment of obligations and interest on the public debt '', is a section of the United States Code that covers how the government pays interest and obligations on its public debt. It is part of Title 31, which covers money and finance, and Subtitle III, which covers financial management. The section was dated XXXX and went into effect on XX/XX/XXXX, XXXX12 U.S.C. 83, also known as " Loans by bank on its own stock '', is a section of the United States Code that generally prohibits national banks from making loans or purchasing their own stock as security. However, there are some exceptions, such as when a bank acquires stock to prevent a loss on a debt it previously contracted in good faith. If a bank does acquire stock in this way, it must dispose of it within six months.15 USC 1681n of the Fair Credit Reporting Act ( FCRA ) covers civil liability for willful noncompliance with consumer credit reporting agencies ( CRAs ). The FCRA was enacted in 1970 to promote the accuracy, fairness, and privacy of consumer reporting information. 15 U.S. Code 1681o - Civil liability for negligent noncompliance. in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 15 U.S.C. 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports.This includes having policies and procedures in place before a dispute or investigation is requested.True accord corporations opened XXXX XXXX say its open reaging the account amount {$230.00} XXXX XXXX XXXX amount {$1200.00} opened XXXX XXXX and saying they are the original creditor also XXXX XXXX XXXX amount {$1300.00} XX/XX/XXXX 2023
Product: Mortgage

My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inquiries from my credit report. Upon careful examination, I have discovered several inquiries listed under my name that were not initiated by me. These inquiries are indicative of identity theft or unauthorized access to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I enrolled in a Debt Consolidation program with Money Management International. There were 4 credit cards rolled into the program. XXXX XXXX & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with MMI debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my XXXX  XXXX Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of XXXX  CREDIT CARDS When I tried contacting XXXX  XXXX to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by XXXX  XXXX, nor MONEY MANAGEMENT INTERNATIONAL of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, XXXX  XXXX told me to defer to MMI.

The same day, I contacted MONEY MANAGEMENT INTERNATIONAL to try to clarify the situation. Money Management confirmed that the payments were being made to XXXX  XXXX on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME
Product: Payday loan, title loan, or personal loan

My final payment that showed on Avant dashboard when logging in showed automatically withdrawn on XX/XX/2022 in the amount of {$440.00} as per every month was automatically withdrawn. It showed no additional interest or any other amounts incurred. So I reached out after I noticed on my consumers report showing a balance which I kept disputing with the credit agencies. Later I contacted Avant concerning the charges and they stated that it was interest when I made changes throughout the loan, which is untrue when I made changes they applied the interest and other charges incurred per month when they authorized the changes. I spoke with XXXX and also spoke with another representative XXXX, which I got no information on how or why this unscrupulous amount came to exist. I agreed to pay whatever interests that was showing on the date of XX/XX/2022, in which none was provided. Nothing was resolved and now the amount has increased. the interested and fees incurred while paying the loan was showing throughout, but now they're claiming that it shows after all my ACH transaction have been deducted from my account. If there was still a balance why didn't they keep deducting from my account is was on auto withdrawal?
Product: Debt collection

The list of items below is what was done in the data breach. I am not aware of these entities. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Earlier this month, I received a letter from Linebarger Gotham Blair and Sampson LLP saying that I owed {$91.00} for a single unpaid toll. The original toll amount was {$4.00} and was supposedly for a violation that took place in the state of Delaware on XX/XX/2022. 


The Linebarger firm has a history of fraudulently attempting to collect nonexistent debts in violation of various state laws, as alleged in multiple class action lawsuits and complaints submitted to the XXXX. I believe the letter sent to me was part of this pattern of deceptive business practices and that I am being billed for a sum I do not owe. 


I have paid every toll notice I have received from the state of Delaware.Crucially, responding to such notices is the only method for non-residents like myself to pay tolls amassed in Delaware since toll booths in the state are generally unmanned and both the portals for paying tolls, Delaware XXXX and DelDOT.gov, require a notice number to process payment. 


The letter from the Linebarger firm includes a notice number for the supposedly unpaid toll. However, when I attempted to look up the violation on the above websites, I received a message saying the notice number was not valid. Why would a firm attempting to collect a legitimate debt do so using bogus account information? 


I would attempt to contact the Linebarger firm directly, but it has a documented history of fraudulent behavior. And neither the letter the firm sent me nor the company 's website include a physical or email address where I can send written correspondence. Only a phone number is provided. Without a written record of our exchange, I have no way of proving what was said or wasn't said. That puts the consumer at an incredible disadvantage.
Product: Payday loan

Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! Thank you for taking the time to read my complaint. I have an account on Equifax, that is reporting derogatory and closed. The account is XXXX XXXX . I fell behind on this account, but was able to pay the account in full. Once paid in full the account was updated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging a few accounts listed on my credit report with XXXX, TransUnion, and XXXX for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and TransUnion that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, we revisit this same Bill that does not belong to me, or my husband, here is the timeline of events and all the backup information as I disputed it with CFPB last year on this website and it was prove not to be my bill, so it was deleted. 

-XX/XX/XXXX A bill from XXXX XXXX XXXX ( XXXX XXXX  Hospital ) for {$600.00}, was placed on my wifes credit report and my husbands credit report we live at the same address -We both called XXXX  XXXX XXXX and told them it was not our bill, and can they please show us proof that it is ... The Lady that answered the phone was nasty and mean to us, they said they would, but we never received it ( enclosed is the screenshot of the letter we sent by priority mall, plus we called them ) -I disputed it for me, and my husband, and it came off ( mine, the wife 's but not my husband 's. see screenshots of my old XX/XX/XXXX credit report and my husbands Credit Report ) _ Thats when we contacted your company in XX/XX/XXXX CASE NUMBER XXXX ... .. and you did a great job and had it removed off my husband 's credit reports. Now life was the same back to normal, we rung in

the New Year ... LOL ... UNTIL!!!
_XX/XX/XXXX I, THE WIFE ..., received a letter from a NEW DEBT COLLECTOR ( COMMONWEALTH FINANCIAL, XX/XX/XXXX, XX/XX/XXXX , PA ) SO I Called them and explained the
whole situation, that this is an error bill, they tried to ask me for my info, like birthdate etc.. The Lady was very Rude to me, I told her to please send me proof, and she assured me she had it, ( I know she did not because ITS NOT MY BILL OR MY HUSBANDS : ) ) so we checked the mail everyday FOR a response, 3 days later this bill is blasted across all my credit reports, just mine again THE WIFE 'S ... screenshots provided. but they changed the dates looks like one report shows XX/XX/XXXX, but they updated it on another to XX/XX/XXXX, i dont know what that means, but all of this is fraud. PLEASE HELP US!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who Waypoint is it is possible fraud as they have been unresponsive. I do not have a signed contract for services or products with Waypoint. Please remove this from my credit report.
Product: Vehicle loan or lease

On XX/XX/year> I bought a car and financed thru Credit Acceptance. The car was {$23000.00} and with interest it was {$43000.00}. I knew the interest would be a little higher, but I think paying almost double for the car is highway robbery. I still owe close to {$8000.00} and wanted to see about getting that down. I paid over {$35000.00} already.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles 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 tracking these transactions are unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.