23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( XXXX ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( XXXX ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. XXXX XXXX XXXX to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within XXXX days. Thank you for your attention to this matter. 





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

I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
Product: Credit card or prepaid card

We paid off our credit card account for {$10000.00} and I called the company to get the last interest charge removed because we had a credit balance refund and then the statement cycled and charged interest. I talked to 2 managers who refused to help me and I have never asked for help in removing interest. I think we have paid enough interest charges.
Product: Checking or savings account

We called Chase Card Services on XX/XX/year> and asked the customer representative ( XXXX ) to cancel the card. He confirmed that the outstanding balance was {$8800.00}, so we processed the payment of {$8800.00} on XX/XX/year>. There were some pending charges that had not yet appeared on the statement. The customer representative did not mention these pending charges, nor were we able to see them on our statement. The net pending charges amounted to {$730.00}. 
We were under the impression that the payment was up to date and the card account was closed. We did not receive any email alerts or other notifications regarding an outstanding balance, leading us to believe there were no further issues. We have used the Chase card for more than XXXX years and have never defaulted on any payments. Therefore, the non-payment of {$730.00} was due to a lack of communication from Chase Card Services. Additionally, the customer representative XXXX XXXX XXXX did not inform us of any pending charges or the need to check our statement for any remaining balance. Since we have opted for paperless statements, Chase failed to email us any alerts regarding the pending balance or a new statement after XX/XX/year>. 
It wasn't until XX/XX/year>, when XXXX checked his new credit report, that he realized there was an outstanding balance, which had negatively impacted his credit rating. We called Chase to ask for an explanation regarding the lack of communication about the balance due, but they did not provide a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I have called Transunion multiple times regarding these unauthorized and unverified inquiries on my account. According to FCRA legally these unverified and unauthorized accounts must be deleted. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Product: Debt collection

I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX
Product: Credit card

REASON : CASE NUMBER : XXXX XXXX  BE CARD NUMBER : XXXX AMOUNT : {$52.00} XXXX XXXX # XXXX ( CANCELED ORDER # XXXX ) TO WHOM IT MAY CONCERN : I AM WRITING IN REGARD TO SELF DISPUTE DENIAL On XX/XX/year>. I placed an online grocery order with XXXX ( ORDER # XXXX amount of {$52.00} ). XXXX canceled my order for no reason, yet my card ending in XXXX ( SELF CARD ) still was charged. ( CANCELED ORDER # XXXX amount of {$52.00} ). The order had various items that included groceries from XXXX and other items that would come from THIRD PARTY affiliates of XXXX. I proceeded in contact with both XXXX and SELF CARDMEMBER DISPUTE SERVICES to prevent the charge from happening. While the dispute from CARDMEMBER DISPUTE SERVICES were supposed to investigate. XXXX had sent me an email on XX/XX/year>, to apologize to me for the cancellation of my order ( CANCELED ORDER # XXXX amount of {$52.00} ) and said I was not charged {$52.00}. And as I was speaking with someone on XX/XX/year> from XXXX and I was told again I was not charged by XXXX. Nor money taken money from SELF card ending XXXX. However, as of XX/XX/year>, on my SELF CREDIT account the charge was shown as - {$52.00} indicating that they were suppose investigating my complaint. But on XX/XX/year>, I have been charged again on my SELF CARD {$52.00}. I spoke with a CARDMEMBER DISPUTE SERVICE agent named XXXX, who informed me of a letter sent to me dated XX/XX/year>, for me to supply documents. In addition, XXXX XXXX also told me that I had until XX/XX/year>, to supply documents to CARDMEMBER DISPUTE SERVICES, which was not stated on this letter that I literally received during last week. I am very unhappy with the SELF & CARDMEMBER DISPUTE SERVICES department. On XXXX I recieved another letter from SELF dated XX/XX/year> expressing that my dispute was not honored and said because I made the transaction. Yes I made the transaction but XXXX canceled the order. Which indicates I did not get my purchase I am attempt to dispute the charges thru SELF. I feel that enough information was given to SELF CARDMEMBER DISPUTE SERVICES for them to do an adequate investigation, which I had given to them at the time of this complaint. I had given them all they asked to start their investigation into XXXX. i feel that SELF did not do a proper or thorough investigation and now trying to enforce other charges on me to pay them. Yet my claim was denied and yet I was sent a letter to supply the information. No time frame. But they still charged {$52.00} that XXXX themselves say they did not receive. How are SELF going to still charge me for something I never received, and XXXX did not get themselves. I dont appreciate it. I would like my money back {$52.00} or I will seek legal action against SELF & CARDMEMBER DISPUTE SERVICE departments. My documents are included with this letter. Thank you. 

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

Kindly remove and block.

I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away
Product: Credit card

I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the disputed transactions when the issuer is notified. I do not consent to any past or future payments being applied for the disputed charge. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for disputed credit card use. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the disputed charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from disputed transactions on their credit card accounts. I am requesting a full reversal of the disputed transactions with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the inaccurate accounts : XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been suffering from a financial hardship. I took out a loan against my lawsuit through a company called ( XXXX XXXX XXXX ) to try to make some ends meet back in I believe XXXX of XXXX and at the time I didnt have a checking account after being a victim of identity theft. So I believe Chime was one of the options for me to receive my funds. Then on XX/XX/XXXX I had to take out another loan. I did and informed the lady of my checking account and routing information. When I hadnt received the loan money 2 days later. So I called XXXX XXXX XXXX and they told me that they didnt know where the money was. Then maybe about a week later I get a strange email from Chime informing me that they closed my account due to some guidelines rules that they say I didnt follow. So I called Chime and I was told that u needed to verify a deposit that they received in-order for them to release the funds. I asked the lady because I knew that Chime charged {$100.00} fee to cash it, if they could just reverse the deposit back to the sender and they told me No. And that either I verified the check by sending over a copy of the paperwork from XXXX XXXX XXXX along with a copy of my state issued drivers license or id along with a copy of my social. I did all that 3x, the sent an email stating that my account had been closed and I needed to refer to their guidelines. And that they had no further info for me. Then I called back spoke with several people who informed me that my close out check for {$1900.00} was mailed to me on XX/XX/XXXX. Its now XX/XX/XXXX. And I still have yet to receive a check in the mail. Called Chime for an update on how much longer before I receive my money cause my car broke down and now I need to get my car fixed to get back and forth to physical therapy. XXXX XXXX XXXX still dont have a clue. And when I finally got through to Chime they told me that they are sorry to inform me but their not sending me a close out check and that they have no further information for me over the phone. And that I will receive an email. And the email states they are not sending me my money. That I owe interest on. This is against the law stealing peoples money for no apparent reason!
Product: Credit card or prepaid card

I wish to dispute the {$710.00} transaction for {$60.00} for the following reason incorrect billing and purported collection of sales tax. Please find information from the Florida Department of Revenue supporting my assertion that the merchant, XXXX XXXX, is not obligated to collect sales tax on cosmetology e.g., hair and nail services, the merchant category code in which they operate. As stated previously, the amount of the original transaction was {$650.00} ( {$600.00} for services plus {$50.00} tip ). Not sure how they arrived at {$710.00}, since that doesnt calculate to the purported 7 % tax, over charging me {$60.00} above what was originally agreed. Barclays claim that they do not have any responsibility to assist in resolving this billing dispute since it was a card present and in person transaction is erroneous. Even Barclay 's own internal records support that the transaction was entered manually several times, with varying amounts. They obviously manipulated the amount after we left the establishment. Either they are guilty of incompetence or intentional fraud, but in either circumstance, I should not be held liable for merchant billing errors.
Product: Debt collection

Was not aware of any bill owed to XXXX or National Recovery Agency until I was getting a home loan. Upon further investigation the so called debt is under XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX And never ever have used XXXX . When I called the collector they first said to write a letter and did verify that it is XXXX Account. So I wrote a letter. When I called back to see if the letter was received they would not discuss the account because Im not XXXX XXXX XXXX but would not remove it from my credit report as not being my debt. They said it was the credit bureaus error and so I contacted the credit bureau who said we need to talk to the creditors. How can a debit for XXXX XXXX XXXX XXXX be under my social security number when he has his own social security number. Please help me! I am very frustrated and can not get answers. I contacted XXXX the origin of the debt and they have no account tied to my name or social security number anywhere.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy federal for similar practice. When transactions settled with insufficient balance despite initially available funds, I believe the practices are unfair and request an investigation
Product: Debt collection

XXXX XXXX a debt collection letter from Credit Collection Services XXXX XXXX, regarding a XXXX XXXX debt. XXXX XXXX  has my email, phone number, etc and I was unaware of the debt. I don't even know the dates, tests or other details. 
Furthermore- The {$1000.00} plus bill, if this were actually accurate would be : An aggregate bill from multiple visits- This is an unacceptable work around the {$500.00} medical debt issue. 
For visits covered under my personal health insurance. since I did not know about the debt, I didn't get an opportunity to work with my insurance company for any non- covered services. 
IS grossly inflated. I have worked in the XXXX  close to XXXX  years. Negotiated contracts, worked on disbursement. Price gouging folks who work and purchase insurance is simply wrong. Something should be done about this manipulation. I would agree to pay the price that XXXX disburses the company, if and only if the service was not covered by my insurance. THIS IS A XXXX scheme. Reeks of Fraud to consumers by charging government programs one price and private citizens another. 
I logged into My XXXX XXXX recently : NO balance due.
Product: Checking or savings account

I noticed multiple withdrawals transactions taking place yesterday evening ( XX/XX/year> ) since I receive banking notifications from my XXXX app. They kept taking {$100.00} out of my account and within minutes it all added up to $ XXXX stolen from my account. I immediately called XXXX and notified them of this fraud and had them file a claim on all these transactions. I just received notification that they denied all my claims on all the transactions and I tried calling their customer support just now to ask about why I was denied and to file more claims on this fraud. It is unacceptable to deny my claims in only a day of investigation and all the transactions taking place individually of a total of XXXX {$100.00} withdrawals in a place I dont even live ( fraud was committed in XXXX  and I reside and work in XXXX XXXX XXXX. It is after hours so I can not reach customer service but I will contact them about this immediately when I can. This is clear debit card fraud and I would appreciate reimbursement. I have my physical card still on me so it has never been lost or stolen. XXXX canceled my card and is sending me a new one after I called yesterday.
Product: Mortgage

XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX The following complaint is not limited to the factual statements found herein describing actual dated documented references concerning perjury and false Declarations in direct reliance to Wells Fargo on Court documents including This one and more to come. consecutively On or more specifically XX/XX/XXXX the Defendant XXXX XXXX XXXX Submitted in the Circuit Court of the XXXX Judicial Circuit in and for XXXX County CASE # XXXX ( XXXX ) DEFENDANTS PRO-SE MOTION. 
TO DISMISS COMPLAINT against Wells Fargo on the following grounds stated. 

1. On XX/XX/XXXX. Plaintiff filed its foreclosure complaint 2. Plaintiffs Foreclosure Complaint is fatally defective in that it is not verified as required by Fla. R. Civ . P. 1.110 ( b ) That rule provides that When filing an action for Foreclosure of a mortgage or residential real Property, the complaint shall be verified. When verification is required. 
The document filed shall include an oath, affirmation or the following statement : Under penalty of perjury, I declare that I have read the foregoing and the facts alleged are true and correct to the best of my knowledge and belief 3. Plaintiffs Complaint contains the above statement. Furthermore, an individuals signature and printed name. XXXX XXXX, appear below the statement, without any notation as to title or relation to the Plaintiff. The individual swearing to this verification statement under the penalty of perjury does not identify himself as a representative of the Plaintiff or any other entity, for that matter. Without Identification as to entity, the verification is incomplete and therefore the Complaint Is unverified and should be dismissed. 

WHEREFORE, the Defendant hereby requests this Court to dismiss the Plaintiffs Mortgage Foreclosure Complaint with Prejudice. 



Sincerely : XXXX XXXX XXXX I certify that the above information is true and correct Please be advised That more complaints against Wells Fargo will be continued and pursed.