23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX XXXX for the debt owed on my XXXX XXXX account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. XXXX XXXX were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within XXXX weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to XXXX XXXX. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
Product: Checking or savings account

I noticed discrepancy while accessing online account and reported to the bank immediately on XX/XX/2019. This account was active for over 10 years and has had two account holders, family. It also had a direct deposit setup from XXXX and bill pay. 

Below is an automated response received. 
I followed up with a phone call to report that this account was closed by a local branch without the consent or notification to either of the account holder and we believe this is fraud. The ticket was opened XXXX with a followup within 24 hrs. 
Instead the online account, the card and account was completely closed. 
The account was unlawfully accessed and closed. 
Also, we believe this is a violation of The Right to Financial Privacy Act. 

FRAUD ( XXXX ) XXXX Mon XX/XX/2019 XXXXXXXX XXXX This is an automated response. 

This mailbox is not monitored 24x7, Thank you for contacting BBVA Compass Fraud Group : Customers who feel they have been a victim of fraud should contact BBVA Compass Customer support immediately at XXXX ( XXXX ) or our international line at XXXX. 

BBVA Compass will never contact you to request this type of information via email or text *** For Non-BBVA Compass customers please contact your respective institution Know the Sender - Open emails only when you know the sender. Be especially careful about opening an email with an attachment which could potentially contain a virus or malware Protect your confidential information - Don't respond to any email that asks for your password, pin, social security number, or other personal information Be Suspicious of any email that sends your information and asks you to update or verify it. 


-- XXXX XXXX
Product: Debt collection

Here are the details in summary : The original debt for a credit card opened XXXX/XXXX/XX/XX/XXXX was with XXXX XXXX XXXX for {$1300.00}, and was charged off due to my inability to pay. 
The debt was bought by Asset Acceptance who is asking me to pay {$2500.00} instead of the charged off amount. They have a account XXXX XXXX of XXXX/XXXX/XX/XX/XXXX instead of the original date. 
In the process of cleaning up my credit report, I disputed the amount remaining on my report with XXXX XXXX, and they changed the balance to {$0.00}. 
Asset Acceptance updated their entry from a XXXX XXXX, to an open account.
Product: Credit card or prepaid card

I walked into XXXX XXXX with the intention of viewing some shirts. Expectedly, I was met with very push salesman eager to upsell me on a suit or suits. After some back and forth, I agreed to purchase two custom shirts and three ties. The merchant stated they would have the purchased items ready in 2 days time. Upon receiving my receipt, I noticed the total amount in XXXX was not what we agreed on in US dollars. 

At this point, I did not want to conduct further business with this merchant. I decided to leave the establishment to avoid confrontation and confirm my suspicion. In the taxi ride to my hotel, I confirmed they grossly over charged me for the merchandise, so I called to cancel this order that was placed just minutes before. Instead of honoring my request, they asked me to return to the establishment to be fitted for a suit. I declined several times and they insisted that they would not cancel my order. 

I politely declined to return to the store and simply asked to cancel the order before ending the call. They continued to harass me with follow up call via the XXXX. 

Proceeding the call, I contacted Capital One support describing the matter at hand and filed my claim. I have not received any goods from this merchant and have no interest in paying for merchandise I have not received or requested.
Product: Debt collection

This is XXXX XXXX with my last & final complaint before I commence litigation. 
FirstPoint Collection Resources , Inc. & XXXX XXXX XXXX XXXX deleted the first alleged account pursuant to 15 USC 1692c ( b ) but is still continuing to furnishing the second alleged account. I am demanding that FirstPoint Collection Resources cease & desist all communication with me & this alleged account through any & all mediums with all third parties- ( XXXX XXXX XXXX XXXX XXXX XXXX once again. Failure to comply with the following provision shall result in litigation pursuant to 15 USC 1692k.
Product: Debt collection

The date i discovered these accounts was on XX/XX/2021. I never opened these accounts nor i ever signed anything with these accounts. 

I had left my purse in a bar at a restroom. when i tried going back for my purse it as gone with all my personal belongings. 

-Bank of America XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer. On XX/XX/XXXX, I sent via certified mail a letter to all three credit agencies named XXXX XXXX XXXX, Experian, and XXXX XXXX XXXX XXXX. This letter was in response to my failed and unsuccessful attempts at disputing the incorrect information on multiple occasions. The letter stated that I did not give these companies anything in writing in regards to lawfully furnishing the information addressed on my consumer report and that it is incorrect. 

The specific account referenced was named XXXX XXXX XXXX  XXXX. This account contains a total of 5 late or delinquent payments on my consumer report which is false and inaccurate information. This information was never presented with any proof that it was verified or the method in which verification of this information was obtained. When disputed, the only thing sent to me in return was a copy of my consumer report stating that it was verified. The law states that anything reporting on my consumer report must be authenticated by XXXX, the consumer to whom the account belongs to. These credit agencies do not have the right to verify and authenticate information on my behalf without my permission. 

Currently my account has late payments being reported on the following accounts : XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are all currently in a billing dispute resolution as of XX/XX/XXXX in which I have the proof to show. This means that none of these accounts are to be reporting as late or delinquent or closed for any reason until the matter is resolved. I am demanding that all late payments on my consumer report be deleted. 

This negligence on behalf of the consumer reporting companies named experian and XXXX XXXX has cause damages due to me being denied for credit because of late or delinquent accounts. It has prohibited me from being able to obtain a new vehicle in which I am in need of. It has prohibited me from being able to obtain new credit from most places that I have applied.
Product: Credit reporting or other personal consumer reports

I did not open these accounts so I now have a new police report # XXXX
Product: Credit reporting or other personal consumer reports

These are the account I reported inaccurate 1.Comprehensive claim 2.minor violation
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used Meta Pay to send {$360.00} to a seller on their platform advertising a XXXX XXXX XXXX. The seller used a fake profile with a fake name, misrepresented the item, and sent me an intentionally vandalized XXXX XXXX XXXX instead. After receiving my payment, the seller blocked me, making it impossible to resolve the issue. 

Meta enables fake profiles with no identity verification, allowing scammers to operate without accountability. Despite reaching out to Meta Pay support and providing evidence ( transaction details, photos, and communication history ), they refused to investigate, assist, or provide a refund. Meta suggested I ask the scammer to return the moneya recommendation that is both unrealistic and dismissive given the scammer 's untraceable fake profile and having blocked me. 

This situation highlights Meta 's lack of fraud prevention measures. Their system allows unverified profiles to facilitate scams, and they make little to no effort to remove fake accounts, even after fraudulent activity is reported. Additionally, they provide no assistance to victims of fraud and claim its because they don't know the whole situation, leaving users completely unprotected. 



I am requesting a refund of {$360.00} for the fraudulent transaction and a commitment from Meta to address systemic issues, including stricter user identity verification, proactive removal of fake profiles, and improved protections for users engaging in financial transactions.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED. 
( XXXX XXXXXXXX {$380.00} XX/XX/XXXX, XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$310.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX )
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase two airline tickets from XXXX XXXX using my Chase Sapphire card. On XX/XX/XXXX we contacted XXXX XXXX to cancel our flights due to the virus. They issued us two email ( attached ) authorizing a refund. The emails stated that it would take up to two billing cycles to see the credit on my credit card. I waited until XX/XX/XXXX to contact Chase about the refund and received a generic answer that did not apply to my question. I have continued to reach out to Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive a valid answer to my inquiry other than we will get back to you responses. At this time I dont  believe I have any other course of action than to file a complaint against Chase for their untimely crediting of my credit card issued by XXXX XXXX. I have spoken with XXXX XXXX XX/XX/XXXX just to confirm their authorization of a credit to my account.
Product: Credit reporting

Hello, I just got my report and it says I have an record for forgery several times, and that I have a aka of XXXX XXXX. This is not me. 
1st I was XXXX years old and still in XXXX, Living with my parents in XXXX and XXXX. 
2nd in XXXX I was in XXXX in XXXX, XXXX. 
3rd I have never lived in XXXX or anywhere close to there. 
Last I have a middle name XXXX or an XXXX. in my name. Although I understand there can be a XXXX XXXX with the same birth date, It is highly unlikely. not to mention but, we would not have the same social security number. 
If we do have the same number, I am reporting this forger has stolen my information considering this XXXX XXXX is a forger. Can you please verify this is not me Please. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting 2 separate, closed accounts for the same original creditor, XXXX XXXX XXXX XXXX, to credit bureaus. Also, Portfolio Recovery is not honoring their written agreement to no longer report the account to credit bureaus. 

I negotiated and settled this account XXXX, 2017 with an agreement that they would no longer report the account. 

Not only are they falsely reporting duplicate XXXX XXXX XXXX XXXX accounts, but are also not honoring the agreement that we negotiated.
Product: Debt collection

I received a debt collection bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount fo {$2300.00}. Per the state for Florida Statute 95.11 in regards to private loan debt collection, the statute of limitations has expired for this debt s the original loan was taken out on XX/XX/XXXX. XXXX XXXX XXXX XXXX is attempting to restart the clock by intimidating and threatening me in their correspondence that they will be seeking judgement against this debt which again has past the statute of limitations for judgement collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX  is reporting that my highest balance XXXX $ and TransUnion is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year> ( XXXX XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Debt collection

After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.
Product: Checking or savings account

I attempted to order a cashiers check using the Capital One app on XX/XX/24. When clicking on the " get a cashiers check '' icon and then the " order a cashiers check " icon a message appears saying " something went wrong ''. I called Capital One and was told to go to Capitalone.com and order it on the website. The website redirects me to the app login and the same result. I called 2 more times and spoke to call centers in XXXX  and XXXX XXXX. They said that my account does not provide cashiers checks. I advised that I have had this account for decades and never had been told that before. Additionally, the app for my account does not state that anywhere and provides all information to perform this service. The call center personnel could not help to get this resolved and refused to provide me with a phone contact to a banker.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX trans union
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not gave permission for these companies to run my credit : XXXX XXXX or Credco to run my credit. Please remove this from my reporting. Thank you so very much! 

XXXX XXXX has run my credit on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credco has run my credit on : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXXreditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX  XX/XX/XXXX {$470.00}
Product: Credit card or prepaid card

I have had a Citi business XXXX XXXX for years. The card expired and I never received a replacement. Back in XXXX I had the bank account associated with the card closed. There were some small auto charges still on the card and autopay was on. After the bank account was closed I tried to login to the website to update it but the site said it was down. The next day I tried again and it still said it was down so I called. Apparently it was one day late at that point. The rep I talked to accepted a payment that he said would XXXX out the account and claimed he waived the late fees and interest now. Now two months later I have been apparently charged multiple late fees and interest on top of that late fee that wasnt waived. I called Citi and they are refusing to waive the original fee that was supposed to have been waived or the subsequent charges on it.
Product: Debt collection

I attached this debt to my income on my tax return and asked this company for a cancellation of form form because I have to properly report my income and all this company did was put this on my credit report where that is not where income debt go. please hold this company accountable for not following the law
Product: Checking or savings account

I deposited a check in the amouunt of {$7300.00} on XX/XX/23 into Wells Fargo Bank from XXXX  XXXX XXXX. 

Wells Fargo said that the funds were Insufficient and they needed to hold the check until the XXXX of XXXX. 

My Client said that the funds were taken out last night. When I called Wells Fargo Back and talked to a Supervisor, XXXX, she said the the money is taken out of the account and put into another account where verification is done. It was the second account that said insufficient funds. 

I was under the impression that if the money is debited from an account it should be credited to the account requesting it. 

However, I can not wait until the XXXX to pay for it. I can not tell my bill collectors.. '' sorry you'll have to wait until the XXXX ''