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

Claim No. : XXXX Claim related to checking account ending in : XXXX Dear Sir/Madam : Im writing to complain about Chases refusal to refund my funds in the amount of {$1200.00}. On XX/XX/XXXX, I transferred {$1200.00} to XXXX ( retail trading exchange ) planning to use fund to trade. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase since I didnt use the fund. However, I forgot that my Chase account has been closed since XXXX, XXXX. Upon closing this account, I opened a new account with Chase. 

When I first learned my funds was missing, I contacted Chase. I was told by Chase supervisor nothing can be done about my problem and was advised to contact XXXX. After Chase and XXXX had me run around, Chase finally opened a claim. On XX/XX/XXXX, Chase temporary credit {$1200.00} and removed that amount from my account on XX/XX/XXXX. Chase Customer Claim Department ultimately declined to refund my funds {$1200.00}. 

The issue is that Chase claimed that the bank has never received money from XXXX and XXXX claimed that the money was never transferred back to XXXX from Chase. Since XX/XX/XXXX, my funds of {$1200.00} has been mysteriously disappeared. I have been trying to resolve this issue with Chase since XXXX but it was unsuccessful. As a result, I have no choice but to file a complaint. Please see the sequence of what transpired and attached are copies of my records : 1. On XX/XX/XXXX, my funds {$1200.00} was transferred from Chase to XXXX. See XXXX, XXXX bank statement. This account XXXX has been closed since XXXX, XXXX ; 2. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase account XXXX leaving XXXX balance in XXXX account. See XXXX Account Statement dated XX/XX/XXXX ; 3. On XX/XX/XXXX, a letter from Chase temporary credit {$1200.00} to my new account ; 4. On XX/XX/XXXX, a copy of check issued to me by Chase in the amount of {$1200.00} ; 5. On XX/XX/XXXX, a copy of email from Chase Customer Claim Department temporary credit {$1200.00} and opened a claim. The Claim No. XXXX ; 6. On XX/XX/XXXX, XXXX bank statement shows {$1200.00} check was deposited ; 7. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00} on or after XX/XX/XXXX ; 8. On XX/XX/XXXX, XXXX transaction page shows Chase withdraw {$1200.00} on XX/XX/XXXX ; and 9. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00}. 

To resolve this problem, I propose Chase to issue a check to me in the amount of {$1200.00}. I believe its right to claim my funds that has been mysteriously lost. I look forward to hearing from you soon and appreciate for your help. I can be reached at XXXX XXXX XXXX XXXX or email at XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Mortgage

On XX/XX/XXXX I submitted a complete request for Mortgage Assistance application with Chase for my Loan # XXXX. I provided all the requested income & hardship verification documentation in order to be considered for available home retention options to avoid imminent default on my interest only HELOC that I have only been able to make the minimum payments on since the loss of my business and my divorce by exhausting my retirement savings. On XX/XX/XXXX I was notified by my lender that my request was denied because my payments are being made & I am not currently in default. The account representative stated that this was the investors decision however if I did end up defaulting on the loan that I could submit a new request for assistance at that time or file an appeal. This is unethical being that my loan is an old Washington Mutual Interest only loan with a balloon payment which means I have an option to pay the minimum payments however if I do so when the very last payment on my 1st mortgage is completed in XX/XX/XXXX I would owe the balance of the HELOC XXXX to be paid within 30 days or my home will be subject to foreclosure a stipulation of the agreement I did not fully understand at the time. I will be almost XXXX XXXX XXXX at that time unable to meet that requirement and ultimately will loose my home. Chase has put me in a very uncomfortable position with this decision as I have never been offered any type of assistance in the pass. Please advise if you can be so kind as to assist me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently as of XX/XX/XXXX Experian started reporting an account that surly was charged off prior to XXXX. However, Experian is reporting the information as only for XXXX which reflects the accounts as new stating that I recently had 2 accounts with late fees. The accounts in question have been charged off prior to XXXX. Also, charged off accounts should not in fact be reporting any late fees or recent late activity, the account has been completely charged off how can it inquire any additional fees. I have disputed both accounts twice and Experian is reporting that the information is accurate without updating with actual information. Based on inaccurate information being reported I am requesting that both accounts are deleted. Below in the attachments you will find the dispute and the information that was only updated. I do not have any recent delinquencies and my account should not be reporting as recent.
Product: Debt collection

I had a loan that was cancelled out in a bankruptcy in 2009. I was told to reach out and file a claim as the loan company I had it with shows nothing on file with them. I have been getting nourmrios calls from collection agency 's threatening me stating, my wages will be garnished, have to appear in court, and attested. My family members also are receiving calls in regards to this. I have a letter stating it's clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.
Product: Debt collection

Afni Collections, Inc. sent a letter stating that I owed XXXX XXXX {$120.00}. I sent a debt and consumer verification letter requesting proof I I did in fact owe the money and how the amount was calculated. Afni is in violation of FDCPA 15 U.S.C. 1692 et seq. In XXXX v. XXXX, et al. 2014, XXXX Circuit ruled that " the verification requirement was satisfied where the debtor could sufficiently dispute the payment obligation. '' They have reported to XXXX credit bureaus without adequate proof of the debt. They failed to provide information and acted illegally, and are guilty of providing unproven information of a libelous nature. Additionally, they falsely accessed my credit report, having insufficient information to prove I have a valid debt, or that they even have assignment of the debt.
Product: Debt collection

On XX/XX/XXXX I sent you a right to rescind the contract to the vehicle which federal law allows.This document was notarized on the XXXX of XXXX within the 3 days of intent. This letter was received XX/XX/XXXX by XXXX XXXX to no avail. After thirty days I sent you a default with and opportunity to cure the matter which was recieved XX/XX/XXXX given you guys 15 days to resolve the matter and compensate me, also follow my written instructions to resolving this matter. Still, no answer. Now you guys have threatened me with repossession and also to damage my credit using abusive language to me. Persuant to 15 USC 6802 ( B ) The consumer is given the opportunity before the the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; this is my communication for you not to disclose such information to any third parties. 
15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This agreement was a consumer credit transaction in which I extended myself the credit you guys didn't loan me anything. youve fraudulently attached a security interest into the agreement when in fact Your company Cant certify the agreement under the penalty of perjury, yet you are tryging to reposses my property when the contract itself is fraudulent. You cant enforce on a fraudulent contract. you also sent me a statement in the mail which violated the FDCPA Ive written an affidavit with no response. Ive also sent you a verification of debt. You have not responded to this and its been 30 days for all. At this point I will file suit you will see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I submitted a dispute and have not heard back from the 3 bureaus. I need help with the responding to my complaint.
Product: Debt collection

XXXXPortfolio Recovery Associates , LLCXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXXSubject : Formal Complaint Regarding Failure to Provide Itemized Statement** Dear Portfolio Recovery Associates, I am writing to formally complain about your failure to provide an itemized statement of charges for my account, despite several requests and the filing of multiple cases with the Consumer Financial Protection Bureau ( CFPB ). 

To date, I have filed multiple cases with the CFPB requesting a detailed account of the charges you have imposed. Your continued failure to provide this documentation not only hinders my ability to assess the validity of the debt but also constitutes a violation of federal law. 

Specifically, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of a debt upon request, which includes a detailed itemized statement of the charges ( 15 U.S.C. 1692g ). The Fair Credit Reporting Act ( FCRA ) also mandates accurate reporting and provision of detailed information upon request ( 15 U.S.C. 1681g ).

Several court cases have highlighted the obligations of debt collectors in this regard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The court emphasized that debt collectors must provide a detailed accounting of charges when requested. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) - The court ruled that the failure to validate a debt upon request constitutes a violation of the FDCPA. 

3XXXX XXXXPortfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) - In this case, Portfolio Recovery Associates was found to have failed to provide a detailed itemized statement, leading to a judgment in favor of the consumer for not fulfilling their legal obligations under the FDCPA. 

These cases demonstrate that failure to provide an itemized statement upon request is not only a breach of federal law but also a violation of consumer rights. I urge you to provide the requested itemized statement immediately. If this matter is not resolved promptly, I will be compelled to take further action. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

When XXXX XXXX XXXX  first started using Zelle for transfers they never had any notice or information verifying with you that you were transferring the correct amount of money to the correct individual/account until recently which is something that shouldve been disclosed from the beginning stages if not released along with Zelle. This could result in money being sent to the wrong individuals.
Product: Debt collection

On XX/XX/scrub>/2025, I received a text message from Credit Collection Services ( a debt collector ) offering to resolve the balance of {$490.00} with XXXX XXXX at a discounted amount of {$240.00}. You can pay by calling XXXX or by visiting www. discount opportunity.com. Reference File # XXXX. 

Problem is that I dont owe XXXX XXXX XXXX anything. I suspect it is a scam and fraud.
Product: Credit card

Dear CFPB, I am a XXXX XXXX  in the state of Florida And I am currently the victim of a scam and fraud committed by synchrony bank care credit. I have asked this company for 10 months to send me paper statements and they have never complied. When they finally sent one statement for XX/XX/2023 I noticed they were automatically charging me a late fee of {$41.00} a month when in fact my payment was never late. They are also in violation of refusing to send me my statement probably knowing I would see the scam. When I call their customer service they said they could only remove XXXX late fees of the XXXX fees they charged me. I am asking for all late fees to be removed and that I begin receiving a paper statement every month. Acct ends XXXX
Product: Debt collection

I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I noticed a discrepancy in how my Citi/XXXX  XXXX XXXX account was being reported to the credit reporting agencies. The inaccurate reporting has negatively impacted my credit score. I reached out to Citibank through the CFPB, and Case # XXXX was opened. Citibank responded to that inquiry, but the issue remains unresolved as the incorrect information continues to appear on my credit reports. 

I filed a second inquiry through the CFPB ( Case # XXXX ) to address the ongoing errors, but Citibank has again failed to correct the reporting issue. Despite their assertion that they regularly provide information to the credit reporting agencies, the information being reported does not accurately reflect the status of my account. Additionally, Citibank has declined my request for compensation for the financial harm caused by this incorrect reporting, which has affected my creditworthiness. 

I am seeking a resolution to this matter, which includes correcting the inaccurate credit reporting and compensating me for the financial harm incurred as a result of these discrepancies.
Product: Debt collection

I settled this debt years ago, and now theyre trying to get the rest of it. But its been settled so how can they come after me. I tried in the past and theyre trying again but now with a different collection agency. 

The company XXXXXXXX XXXX XXXX for XXXX and current owner is XXXX XXXX XXXX. Customer service XXXX reference number XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act of XXXX account # XXXX has 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: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

During the week of XX/XX/XXXX, I spoke with the billing department at Bridgecrest. They notified me that they could not provide me with a paper billing statement that mentions the daily interest and total amount. They instructed me to pay the amount online via their portal and that they would not honor the request because they are a paperless company. I provided them with consumer laws and they continually ignored my request.
Product: Debt collection

On XX/XX/year> TriVerity third party debt collectors violated 15 USC code 1692g failure to validated a debt by not providing consumer with Copy of the original signed agreement from the creditors and failure to notify consumers within five day in writing or emails or communication of this debt and not provide a purchase agreement from the original creditors stated they have permission to collect on this debt. TriVerity violation Texas statute of limitations to collect on debt which is four years. Original creditors failed to notify consumers in writing that personal information would be sold to a third party debt collector and TriVerity violation US code 15 6802 personal information disclosure to a third party debt collector. 
Consumer request the following document be submitted in writing within 30 days
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX  and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!