23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am contesting an alleged debt that was collected and untimely and negligently processed by SBS Lien Services on behalf of the HOA, XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. SBS Lien Services sent 2 ( two ) NSF checks to XXXX XXXX and XXXX XXXX Eventually, SBS Lien Services wired {$50000.00} ( HS # XXXX ) to XXXX XXXX There seems to be a complete disconnect between what has been posted on my HOA ledger account and what SBS Lien Services stated in their last communication to me on XX/XX/XXXX. 

MOST IMPORTANT DATES, AMOUNTS, and COMMUNICATIONS XXXX - I have paid, under protest, an alleged debt to my condo HOA, XXXX XXXX XXXX XXXX, using the HOAs hired debt collection agency, SBS Lien Services. I wired {$52000.00} to prevent the foreclosure of my condo. The wire was never returned to my bank. 

XXXX Received SBS Lien Services email acknowledging payment through XX/XX/XXXX. Lien on my property was removed days later. 

XXXX XXXX XXXX XXXX XXXX XXXX posted a {$50000.00} NSF check from SBS Lien Services on my ledger account and a NSF check fee. 

XXXX XXXX XXXX last day of services. XXXX XXXX transferred the HOA accounts to XXXX XXXX My transferred balance was {$37000.00}. 

XXXX XXXX day of new management company, XXXX XXXX 

XXXX XXXX 60-day late-fees grace period. 

XXXX XXXX XXXX XXXX legal fees '' of {$17000.00} to my HOA ledger account. How did XXXX know this amount was going to be for legal fees? 

XXXX XXXX posted a {$50000.00} NSF check XXXX # XXXX ) to my ledger account, along with an NSF check fee. 

XXXX XXXX finally posted a WIRE transfer ( HS # XXXX ) for {$50000.00} to my account. What information did SBS Lien not received from the HOA, which cause a delay in the timely disbursement of funds? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX in Texas, requesting payment of a balance of {$55000.00}. The letter was sent via regular US mail. 

XXXX & XX/XX/XXXX I sent a certified mail to the HOA Board and XXXX XXXX requesting that they investigate the letter dated XX/XX/XXXX. I also sent a follow-up email regarding the certified letter. 

XXXX I called SBS Lien Services to request information about my account with them. XXXX XXXX advised me to send the specific requests via email, which I did on XX/XX/XXXX and follow up XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX from SBS Lien Services sent a brief response via email but failed to provide the requested information or answer my questions. She carbon-copied the president of the HOA Board on his business/personal email ( XXXX ) instead of using the HOA Board email ( XXXX ) or including the other Board members. It is inconceivable to think that SBS Lien Services had my money for over five months sitting in their bank without informing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2021 thru XXXX XXXX 2021, I noticed that after Capital one reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop XXXX points on two credit bureaus each time and XXXX points on the other. A total of XXXX to XXXX points. I make it a point to keep my utilization within XXXX  % as I have been working hard to build my credit expecially over the past year. After several conversations with Capital One where they insist that they are not reporting the balances, and also calls to XXXX  and XXXX, I had no choice to turn to CFPB for investigation. I have also asked several times for the Capital One customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the XXXX times this happened, I did see where XXXX of the times the balance was reversed back but, I was not given my XXXX points back. I am a small business owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the XXXX credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX
Product: Debt collection

Creditor : CENTRAL PORTFOLIO CONT Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX I have repeated received an incorrect collection on my XXXX credit report for medical fees in the amount if {$1500.00}. 

I have disputed this collect 2 times in the past and had it removed from my credit report because the creditor Central Portfolio could never produce the requested evidence to support that I owed this debt. The creditor has not produced any documents whatsoever. 

2 times I have had to get this collection removed from my report and the creditor waits a few months and then assigns the same collection to my report, without furnishing any supporting documents. 

XXXX is the only credit bureau that allows this to happen. XXXX and XXXX have not allowed this creditor to abuse my credit report with such false and determinantal false collections. 

I want this creditor to remove this collection immediately and indefinitely, or be fined for abusing the rules, statues and regulations set forth by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection from XXXX for {$3200.00} account number XXXX. ( Please see page attached from my credit report. ) I have also attached a copy of the Receipt from XXXX XXXX XXXX , XXXX., showing a payment of {$1200.00} was received on XX/XX/2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureau would delete this line item from my credit report and report a current balance of {$0.00}. XXXX and XXXX are reporting correctly, however Equifax is not. I have contacted the bureau to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Debt collection

I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting the same incorrect FICO 8 score for me since XX/XX/2018. I have contacted Experian via XXXX several times ; I have phoned Experian several times ; I have also submitted a written dispute with Experian ; and now a complaint through CFPB. Experian finally admitted on XX/XX/2018 that the incorrect FICO 8 score is Their technical error and they provided me with a case number. However, on XX/XX/2018, Experian now says the problem is with the XXXX XXXX XXXX ( yet Experian admitted it was their technical issue and had provided me with a case number only 2 weeks ago ). Still, I contacted XXXX and they informed me that the problem is Experian, both sending me in circles. No one adressing this serious issue affecting my ability to receive credit. Ever since Experian has been reporting this incorrect FICO 8 score in XX/XX/XXXX ( which they have admitted ) I have been denied a credit limit increase & denied a lower interest rate request yesterday, denied a vehicle loan in XX/XX/XXXX, denied a promotional credit card in XX/XX/XXXX. I have been practically begging Experian to fix this because my vehicle lease expires next month and I need to purchase reliable transportation. If this is not addressed and corrected by XX/XX/XXXX, I could also be denied a vehicle or given a very high rate which would be based on false information. Experian must fix this issue ASAP! Thank you
Product: Debt collection

Please see attachment. Disputed in writing XXXX Never heard back and then got a letter today attempting to still collect this debt. They never got back to me to clear the debt or to try and validate with me either. unethical and harassing. See documentation. Just notified them in writing again today via fax and mailed snail mail showing previous dispute and no response for well over a year.
Product: Prepaid card

On Monday XX/XX/XXXX when the card arrived in the mail, I was informed the account was compromised before it was activated. That the account was to be closed and remaining balance was to be sent by mail to my home. The only way the card could be compromised was in transit which would have non of my personal information or from XXXX itself or affiliated partners.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding the multiple overdraft fees I've incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX  XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX XXXX XXXX  ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXInquiry XXXXnquiry XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax, XXXX, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.
Product: Credit reporting or other personal consumer reports

FCRA 1681 demands - info on my report does not match my records. I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. XXXXXXXX XXXX XXXX
Product: Checking or savings account

I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 

2.

Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project.

Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A DISPUTE REGARDS 10 INQURIES ON MY CREDIT REPORT. THEU INCORRECT ITEMS ONM Y CREDIT REPORT EQUIFAX. ITS BEEN WELL OVER 30 DAYS. I HAVEN'T RECEVIED INACURRATE RESPONSE
Product: Credit card or prepaid card

Email XXXX XXXX Cardholder. 
Claim # XXXX Reference # XXXX Transactions disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX normal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM XXXX XXXX ATM XXXX XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the transactions I am disputing Sent from my XXXX
Product: Credit reporting or other personal consumer reports

ear Credit Reporting Agency Name Re : Identity Theft Dispute Under FCRA Section 1681s-2 I am writing to formally dispute several accounts on my credit report as a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2, I request an immediate investigation and removal of the following fraudulent accounts from my credit report. I did not open these accounts, nor did I authorize any transactions associated with them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached, you will find the following documents to support my claim : A copy of my government-issued photo ID Proof of address ( e.g., utility bill or bank statement ) A copy of my identity theft affidavit Under the FCRA, you are obligated to investigate this dispute and delete any inaccurate or unverifiable information. I expect these accounts to be removed from my credit report within four days of receipt of this letter. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to enforce my rights. 

Please confirm receipt of this letter and notify me in writing once these accounts have been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Attachments : XXXX of ID, proof of address and identity theft affidavit ]
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and report disperenacies my financial institution and Zelle failed to investigate my claims adequately.
Product: Debt collection

I see on my credit report a collection made by third party named XXXX. 
The creditor already accepted a new settlement with XXXX XXXX that supported me to renegotiate my debt.
Product: Checking or savings account

Chase bank I turned off my overdraft protection I still got money pulled out plus the fee
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : SXXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

United consumers has been leaving me voicemail on my work phone stating they are a collection agency and I need to contact them. I have contacted several times and asked what this is about since I am not aware of any outstanding bills. When I get in touch with somebody, they state my phone number I am calling from, provide me my name from my phone number and then continue to ask for more personal identifying information. I am NOT going to give some company I have no idea who they are any information since they seem to know who I am when I call. They have refused to provide me any reason for calling me and leaving the threats regarding unpaid bills. At this point I am furious and need an explanation. There are way too many scams out there and I will never provide any personal identifying information to some voice on a phone, If they have my phone number and my name and I return their call, I expect a quick response as to what the issue is, not asking for more information to add to their attack. As far as I know I have ZERO outstanding debt aside from a 0 % interest loan on my XXXX. My house is even paid off.
Product: Debt collection

This is a continuation of CFPB complaint # XXXX. 

In alignment with numerous other complaints filed with the CFPB, ProCollect refuses to work towards a resolution on open accounts. I have attempted, multiple times, to contact ProCollect via phone as directed by XXXX XXXX in CFPB complaint # XXXX, but ProCollect 's team refuses to settle stating " You must email collections manager XXXX XXXX XXXX XXXX Reference attached call log. Following ProCollect 's new direction, I emailed XXXX XXXX XXXX to inquire the steps required to work towards resolution. His responses, which are attached, showcase that XXXX XXXX XXXX has no intention of resolving the account. To date, XXXX XXXX XXXX has not responded to the latest email inquiry sent on XX/XX/2025. ProCollect has not validated the charges given to them by their client, XXXX, and refuses to operate with a moral imperative. This operation, ran by XXXX XXXXXXXX XXXX XXXX XXXXXXXX, dismisses the true facts required to determine debt, attempts to damage credit of the middle class, then blatantly builds an impossible wall between debtors and ProCollect account resolution.
Product: Credit reporting or other personal consumer reports

One Main Financial acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. XXXX acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. XXXXXXXX XXXX has a fraud account listed on my report.