23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PHOENIX FINANCIAL SERVICES is in clear violation of the FDCPA Laws, 48 of them but I could have cited more. From there previous response to my original inquiry of validation, there is a clear admission of non proof, but harassment.

Pursuant to 15 U.S. Code 1692k - Civil liability, 15 U.S. Code 1692k ( a ) ( 1 ) and 15 U.S. Code 1692k ( 2 ) ( a ) I want remedy of {$48000.00} and immediate Deletion from all consumer reports. I will be sending on my affidavit of Truth along with an invoice for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

XXXX XXXX
Product: Credit card

A payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account. 

Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX 

On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}. 

Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}. 

Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge. 

I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account. 

I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat. 

Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.
Product: Debt collection

I have paid my XXXX XXXX Bill. XXXX has XXXX Balance in their system. Months later a Company name Amsher Collection Service added a {$140.00} collection amount in to my credit. 
Their phone system is set up to not receive phone calls. 
They illegally add an amount that does not exist. 
I think They called me lying under the name of XXXX to get paid. 
My credit drop 54 point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX CU partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing CashApp services.
Product: Checking or savings account

On Sunday, XX/XX/2023, I received a notification from Netspend XXXX XXXX ) indicating a transaction for {$490.00} at XXXX in XXXX, GA had been withdrawn from my checking account leaving me a balance of {$1.00}! I immediately called Netspend and advised XXXX XXXX  that was NOT me and I wanted to file a dispute! She told me I would have to call back because they can not file a dispute on a " pending transaction ''! It has to post to my account first. She further explained that the transaction was done via a virtual account and my debit card was not used ; My online access had been compromised! As the thief changed my password and credentials. I called back this morning, Monday, XX/XX/2023 a total of 6 times trying to get this matter resolved. I spoke with XXXX, XXXX, XXXX & XXXX. Another guy, I could not understand his accent or his name. He abandoned the conversation, switching me back to the automated system! Which is a complete merry go round! Because I incorrectly answered everyone 's computer generated questions, none of them could verify my account and so no dispute was filed against the fraudulent transaction! This is unbelievable! We must do better for our Seniors! We have worked all of our lives and now trying to enjoy retirement and we get robbed and then the bank won't even help us to recover our money! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$95.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX  XXXX Balance : {$2900.00}
Product: Debt collection

Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I filed a dispute with Transunion disputing XXXX, XXXX, XXXX XXXX and XXXX XXXX and the information came back from Transunion as new information below. I sent a letter to XXXX and they stated that they no longer have the debt and Transunion continues to report that it is being verified. I sent letters asking how was it verified they were unable to provide with information pertaining how it was verified. XXXX does not belong to me but yet and still they continue to report inaccurate information on my credit report.
Product: Mortgage

I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the rights to privacy.

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

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to request my credit limit be increased because it was previously decreased. I informed the representative that i did not want my credit report ran. The representative confirmed with me that my credit would not be ran. I was told that my credit limit increase request was approved. After ending the call I received a notification from XXXX that a new hard inquiry was added to my report from XXXX XXXX/XXXX XXXXt. After further review i also saw that they ran my credit without my consent on both XX/XX/XXXX andXX/XX/XXXX. I called XXXX XXXX immediately and was told i would need to dispute this in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... The account below needs to be removed from my file ; XXXXXXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported on credit report a debt from XX/XX/XXXX. This was previously reported and deleted XXXX, and XXXX. I contacted main line fertility spoke with XXXX at XXXX. Per XXXX there is no record of debt owed from XXXX. Per XXXX collection activity was started and sent to XXXX collection on or around XXXX as this debt was incurred XXXX. The company has falsified dates. I have disputed with the XXXX bureaus. XXXX has removed and has not allowed this to be reported again as it is too old to be reported. This debt is well over seven years old and the collection company can not change the date to continue to report negatively on report.
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX  have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Credit card or prepaid card

On XX/XX/20 & XX/XX/20 I attempted to contact citi bank regarding not working due to the corona virus. In the XX/XX/XXXX I went through their automated system for corona virus relief. It apparently did no good, as they started calling a few days later. Due date was on the XX/XX/XXXX. I sent them {$500.00} as soon as i could and they still continue to call and the outsourced representatives are of no help.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 that tracking these transactions was infeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I sent a letter to the company explaining that I was a victim of XXXX XXXX in 2024, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. The response I received was simply a " no. '' How can they hold someone liable for debt they were forced into due to domestic abuse?
Product: Prepaid card

Hello The US rXXXX XXXX XXXX send to me isnt working. i cant withdraw or transfer. i call the card representative agent they said i should talk to XXXX XXXX  for solution. And I did that though. Please my {$3100.00} is with US XXXX. I want the money to be send back to me inform of direct deposit to my bank account. Or they should allow me to make the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/2023 I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer XXXX disclosures so the consumer has an opportunity to opt out of having their information reported. 

CAPITAL ONE you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I Fist Name, Last Name a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 

DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : CAPITAL ONE Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Payments reporting late when this account was never paid late