23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On JXX/XX/XXXX, XXXXXXXX GA sent a letter to me stating that I owed {$25.00} on account number XXXX for a pharmacy charge that was incurred after my coverage had expired. ( Notably, they have already been reported to the GA Bureau of Insurance for their failure to refund my premiums, and they were required to return my funds following that complaint. ) The letter stated I had 30 days to MAIL the balance in full to the payment address listed on their letter, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I followed these instructions exactly. I mailed a check in the exact amount owed to the given address, check number XXXX drawn on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my check was cashed and deposited into a XXXX XXXX  account identified as being owned by the payee of my check, XXXX XXXX XXXX XXXX of GA.
I have now received another letter, this time from " XXXX XXXX '' with the same account number and mailing address, dated XX/XX/XXXX, stating that my account has been turned over to collections for failure to pay the above owed amount. Notably, this letter is dated before the expiration of the initial 30 day period I was given to pay the charge. Further of note, this letter was sent to me telling me my " debt '' is in " collections '' after the debt has been paid.
XXXX GA is attempting to collect a debt that is not owed, and misrepresented the time period in which I would be permitted to pay the initial charge. I have sent a letter back to them in writing dated today indicating I dispute the validity of this debt. I request that they and XXXX XXXX be sanctioned to the full extent of the law, as this is the second state or federal agency I have had to involve to address their illegal and deceptive practices. Thank you.
Product: Checking or savings account

Opened an account XX/XX/XXXX with Chase bank. Account was notified to be closed XX/XX/XXXX with dispute due to be completed by XX/XX/XXXX. No notification was given until a letter that was dated XX/XX/XXXX however the envelope was postmarked for XX/XX/XXXX, well after any dispute could be filed. I did not receive the letter itself until XX/XX/XXXX. Chase refuses to take responsibility for this lack of due notice. Chase also refuses to state exactly WHY my account was closed, even after referring me to Loss Prevention, which suggested potential fraud. As stated by no less than 4 individuals ( I escalated the call repeatedly ) there is NO ONE at Chase who will give me the exact reason why the decision was made to close my account, and NO ONE who will explain or take responsibility for due notice not being given in the correct time frame that would've allowed me to fix it. There were no phone calls, no emails, no messages on the account, no other letters other than the one scanned and uploaded. They also refused ( until the final escalation ) to verify my husband 's information ( he was also in the call with me ) being the primary account holder, with myself as the secondary.
Product: Credit card

I had a no fee loan arranged through XXXX for 5 years. 

The loan was converted to a credit card in the second year ( approximately ). It seemed a reasonable change. 

In the second year there is an annual fee. I had missed this detail. I called to close the card and Fortiva encouraged me to keep it and reversed the fee. 

The problem is that they charged the Annual fee on XX/XX/XXXX. On XX/XX/XXXX they charged {$0.00} interest. When I asked why there was interest on my no fee loan, they told me the interest was for the annual fee not being paid ... but the fee was charged to my account on XX/XX/XXXX. The interest was charged on XXXX. The statement was sent to me on XX/XX/XXXX. 

I asked for this to be reversed as it is not right to charge interest on a charge that I haven't received a statement for. This is a small amount of money but if Fortiva is charging interest on annual fees to multiple customers before they have a chance to pay it, it is simply wrong and predatory. No credit card company charges interest on annual fees until the month after a charge goes through. 

This is to alert the CFPB that Fortiva is skimming money from customers ( in my opinion ).
Product: Debt collection

I have contacted all   XXXX   credit reporting companies regarding incorrect info on my credit report regarding a collection from  Choice Recovery .  XXXX  deleted the incorrect info however  XXXX   XXXX  will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for any and all security freezes and fraud alerts on my consumer credit profile to be deleted by Equifax on numerous occasion but they have adamantly been unwilling to cooperate with me. This is hurting my credit profile and prevents me from being able to access credit. i feel they are taking my rights for granted and intend on continuing to perpetually violate my rights under the FCRA guidlines of the UCS.
Product: Credit reporting

My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there.
Product: Bank account or service

I had sufficient funds in the bank to make a transfer to cover valid ach / recurring payments I authorized. In the past and for many, many years, the bank has paid the amounts, sending me notification of the insufficient funds, at which time I would make a transfer or deposit timely to cover the payments. For the first time in several years, the bank decided to return items unpaid and charge return item fees without allowing me the opportunity to cover them. When I called the bank, I was advised by XXXX, a supervisor that Chase can and will return items at their discretion. There is nothing she could do about it. I advised her I would be leaving the bank as soon as my autopays were set up elsewhere. It appears Chase is willing to treat loyal customers with complete disregard to collect a few fees before the end of the year for their shareholders.
Product: Money transfer, virtual currency, or money service

I found out that a suspicious transaction has occurred in my XXXX credit card related to XXXX. I searched XXXX XXXX XXXX on the internet and there were XXXX phone number to call. I called XXXX of them and explained the issue. He ( the operator ) told me that " you are hacked, and you have to verify your data with our server first. He asked me to download " XXXX '' app on my phone and I did. So he monitored all the activities happened in my phone. He guided me to XXXX and ask me to go to the " identity information '' to complete my personal information and after that transfer money through XXXX to verify my account on their server. I entered my full name, mail and email address, and XXXX ( Not sure full or last XXXX digits ) and he was monitoring my phone all over those activities. After that he guided me to " transfer section '' in XXXX and asked me to send {$490.00} to his XXXX account. At this time I suspected him and hung up the phone. His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. After that he called me again and texted me but I ignored him. At the scenario I am afraid of leaking my sensitive information. 
The second scenario happened after the first one. Again I grab a number from internet and called that. A person responded and said " XXXX XXXX, how may I help you '', the same as the first call. I explained my issue to him and he mentioned the same things as the first call. He monitored all of my activities by " XXXX '' application, he asked me to go to XXXX and XXXX  to find the problem. He said we have to solve the problem by veerifying you at the first. He guided me to my Citizens ' mobile banking, and I did transfer {$2000.00} for someone who has mentioned that is his XXXX ( XXXX XXXX XXXX at XXXX ). His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. Unfortunately, I did transfer the money and after XXXX hour and chat with XXXX  I found out that it has been definitely a scam! I called my bank and reported a claim with the claim number of " XXXX ''. 
At the second case I am not only afraid of leaking my sensitive data, but also loosing {$2000.00}. I made a police report at XXXX station as well with report number of " XXXX ''. 
Again yesterday the second scam texted me and mentioned " please do not worry I am back in office and will call you now in XXXX minutes '', but he did not call me. Additionally, yesterday I received an scam email from XXXX with the title of " XXXX alert has been detected on your account '', log in to see more information. And it was a link to click on. I am not sure that I clicked on the link but I think it has been resulted from leakage of my sensitive information.
Product: Credit reporting

I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with JPMCB CARD, XXXX, and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX, and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I made a purchase with XXXX in the amount of XXXX which posted out of my available balance. Although US bank stated that their banking app operates on real time ; they never reflect the same information at any given time. Attached are two screenshots ( evidence ). This banking institution have been robbing my children and I. 
By inputting fraudulent information into their technological algorithm ; against our POSITIVE balances. This ultimately caused hardship. As a result it is DIFFICULT to make ends meet.. 
I was able to prove it this time however, how LONG has this criminal activity been taken place ; against my children and I, by this banking institution?!?
Product: Mortgage

I, XXXX XXXX XXXX, am a customer of Green Tree Servicing with account number XXXX. On XXXX XXXX, 2015, l summited the letter to request the Green Tree Servicing to initiate PMI automatic termination because of my outstanding payment history, currently on loan payments ; and my principle mortgage balance reached 77.9 % of the original value of the property. The Green Tree Servicing denied my request based on the principle balance is XXXX scheduled ( XXXX/XXXX/2015, not payment actually made XXXX to reach 78 % the original value
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor SPECIALIZED LOAN SER XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card

Account opened : XX/XX/XXXX Account charged off : XX/XX/XXXX Balance : {$2300.00} Actions taken by me : I filed a dispute but their was no action taken.
Product: Debt collection

I have gotten multiple calls from XXXX XXXX, always from a different phone number. They don't leave voicemails. I answered once and told them to stop calling me, but they ignored me and called again several more times. The following is a list of phone numbers they have used, along with timestamps ( XXXX ) : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies my financial institution and Zelle failed on investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking the transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable plus raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on 3 different dates to remove inquires on my credit report that i did not authorize which would be fraud. I have asked them to validate these inquiries according to FCRA. They have not. These inquires are from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have come across a credit inquiry on my report that I do not recognize, and it appears to have been conducted on XX/XX/XXXX.
Product: Mortgage

I am filing a complaint against SPS. We experienced a natural disaster in XX/XX/XXXX and it affected several of our properties in TN. Loss of rent, etc. we kept up with our payments until XX/XX/XXXX when we had another natural disaster and we got 30 days behind. They raised our payment from {$2000.00} to {$6000.00} at this point. We requested assistance, showed proof of natural disaster. They sent a right to cure which had to be paid by XX/XX/XXXX. We called in to make the payment and was specifically told that our payment would go back to $ XXXX now. It didnt. They took that payment and applied it to the {$2000.00} payment we made for XXXX to cover the now {$6000.00} payment. So instead of having paid XXXX, XXXX, and XXXX. We now had only paid XXXX and owed {$12000.00} for XXXX and XXXX. We requested assistance and they gave a payment plan of $ XXXX for 6 months. Every time we requested someone to review the natural disaster theyd say 30 days to review and another {$6000.00} would be charged rather than the normal payment. Then I received a tax sale notice from the county and learned they havent been paying the county taxes since XXXX. I had to pay the amount to stop the sale.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.