23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I have filed a police report in regards to my account ( XXXX ) with XXXX and Amsher Collection Services . I went into the XXXX store and received assistance. I was told that the account has been canceled, but found out that there were five ( 5 ) lines added to my account prior to it being canceled. I did not authorize these phone lines and I am not sure how they were added. The associated phone numbers are as follows : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX I have attached the Police Report. Also, I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have filed a Police Report and have attached the report as well as the money order receipts to show the full amount that I sent to the XXXX XXXX XXXX XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you.
Product: Mortgage

Chase is mismanaging my mortgage accounting records and charging me erroneous fees. They also owe me money for the faxes they requested. 

I 've complained several times that Chase inaccurately reports the amount I paid on my mortgage statements. I 've requested that Chase formally reflect my mortgage payments in my records accurately as I paid them not as Chase has bumbled them. Last XXXX, Chase inaccurately failed to " record '' over {$3700.00} in mortgage payments and it took me over eight months, over {$100.00} in faxing fees, and several complaints to the Consumer Protection Bureau to fix. Because I was right, because I paid on time, I want my records to show what I pay AND not what Chase has done to fix their own accounting mistakes. If one looks at my records attached, the accounting records are impossible to follow. The misapplication reversal payments are confusing and do not show what I paid. Instead, they show how Chase mismanaged my account and I can not do the accounting on my mortgage. I 've filed a CFPB complaint before, Chase told me they fixed it, but alas they have not come close. If Chase is going to charge me 5.2 % to manage my mortgage ( about XXXX a year ), in return I have a right to clear, transparent records on that loan and all the charges. 

WORSE, has the audacity to charge me fees that I do not recognize. Recently they charged me a " Collection inspection '' fee. How dare Chase charge me fees for Chase to do their own accounting. It 's wrong, it 's illegal, Chase does not have my consent to charge fees for inspecting records are a mess. 

Also, I want full refunds for all expenses I paid on this account including fees for faxing documents to Chase. Chase has records saying they will reimburse all costs of faxing documents they request and I want the full {$89.00}. I sent these request and was told that Chase " may '' or " may not '' reimburse although the documentation on their requests states they will reimburse for records they asked for. 

Chase needs to be accountable for their actions, provide clear record keeping, not charge me for their own mistakes in record keeping, and reimburse for erroneous fees charged, and reimburse me for records they requested and told me they would pay for in writing and verbally.
Product: Credit reporting or other personal consumer reports

Finances the car A XXXX XXXX XXXX to reduce the cost and expense of XXXX XXXX XXXX damaged in XXXX XXXX XXXX XXXXXXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XX/XX/XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX  they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation Cost by XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX  Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XX/XX/XXXXXXXX XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I ordered a service from XXXX XXXX, it had created issues with my bank account. I cancelled on the XXXX/XXXX/2015. When checking on my bank account Pay Pal is still attempting to take money from my account which continues to go into the negative {$90.00}. Bank offered me a {$35.00} which is now up to {$90.00}. I spoke with a supervisor at Pay Pal and I was very disappointed with the lack of concern for my account. Continuing to take out money on a cancelled item.
Product: Checking or savings account

Chime is not trying to give my refund back from XXXX they telling me I need The send them some paperwork from XXXX I even had the merchant on phone I have screen shot and been calling to no help very disrespectful
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX Amount- {$0.00}. Amount- {$0.00}. 

Opened-XXXX  XXXX, XXXX. Opened- XX/XX/XXXX. XXXX Disputed the account with TransUnion. Was not satisfied with the outcome. Reached out to the company they have no knowledgeable information on the situation. Asking for this closed account to be removed from my credit report!
Product: Money transfer, virtual currency, or money service

I tried to buy a product online and was told to use Cash App to send payment. I did send payment then after that they never sent tracking information and eventually stopped all communication. I contacted the customer support immediately and told them what happened and was told that it was an agreement between parties and they would do nothing to remedy the situation.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately.
Product: Debt collection

The debt was reported on my credit report by another company and was paid off now its on my credit report for a higher amount with a different company
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$690.00} and {$530.00} also {$520.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED
Product: Credit card or prepaid card

I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the  phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent multiple requests to Equifax XXXX XXXX until now we are in the month of XX/XX/XXXX and still no response from them. That means EQUIFAX has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Remove these following accounts completely from my credit report : XXXX XXXX XXXX - XXXX Balance {$0.00} ; ALABAMA XXXX CO - XXXX Balance {$0.00} ; XXXX XXXX Bankruptcy - Reference number : XXXX Filed on XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

15 U.S. Code XXXX  1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Checking or savings account

On XX/XX/XXXX & XXXX I deposited a total of {$79000.00} to my TD bank account. By the XXXX my account was put into a no check status. I was in constant communication with TD 's XXXX  department until finally on XX/XX/XXXX TD decided to return the funds to coinbase ; which is where the funds initially came from. It has been XXXX weeks since then & the funds have not reached my coinbase account. I have been in contact with coinbase & they have requested a proof of return document that includes the transaction ID, reason for the return, the date the funds were returned & the amount that was returned. Could you please escalate my situation to the members of your leadership team. I have not had my money in nearly a month because TD bank decided not to accept my deposit & it has become detrimental to my life financially & mentally.
Product: Debt collection

JEFFERSON CAPITAL SYST XXXX... 
{$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear XXXX, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent. 

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, XXXX XXXX XXXX account # XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures. 

I am requesting that you promptly investigate this matter and provide a detailed explanation of how this unauthorized disclosure of information occurred. Furthermore, I demand that you remove all unauthorized information from my credit report immediately, as it is in violation of my rights under the FCRA. 

Please provide written confirmation once the investigation has been completed and the unauthorized information has been removed from my credit report. Additionally, I request that you provide a copy of my updated credit report free of charge, as per the FCRA regulations. 

Failure to comply with the FCRA regulations may result in further legal action. I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Credit card

SOME TIME AGO, I CLOSED MY XXXX XXXX XXXX ACCOUNT, BECAUSE THEY SENT ME A LETTER THAT IT WAS ALMOST TIME TO PAY THEIS ANNUAL FEE UNLESS I CLOSED THE ACCOUNT. I WENT AHEAD AND CALLED AND CLOSED IT, BECAUSE I DONT USE IT, SO IT HAS A XXXX BALANCE. IT IS STILL SHOWING AS OPEN ACCOUNT, AND I WOULD LIKE TO SEE IN SAY CLOSED AT CUSTOMERS REQUEST. BY XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 60 days to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit card

My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract between Me and XXXX XXXX XXXX  stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. I have requested XXXX XXXX XXXX and EQUIFAX to provide license to collect a debt in florida, also the dates of the license and the name on it. Neither was provided, but yet EQUIFAX continues to report XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX, Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 

XXXX XXXX XXXX # XXXX
Product: Credit card

In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state " Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how " Customer Advocate " allowed to be dishonest and ignorant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years XXXX XXXX  would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with Equifax and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}.