23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I received an email from XXXXXXXX, ACE CASH SERVICES, stating that I was going to be legally prosecuted, reported to local sheriffs office, reported to my employer, have my wages garnished and reported to credit bureaus for past due loan that I have NO IDEA about! 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXXXXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 
In order to resolve this you can contact us at XXXXXXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
Product: Debt collection

ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX. 
ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond? 

Check all that apply : x I want to dispute the debt because I think : This is not my debt. 
The amount is wrong. 
x Other ( please include additional information ). 
I want you to send me the name and address of the original creditor. 
I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX. 

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

I checked my credit report and notice negative activity thats on my credit accounts are not correct not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft
Product: Credit card or prepaid card

XX/XX/XXXX {$9.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX, last day worked, terminated. 
XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$39.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$6.00} Card Security Fee XXXX Total fees charged effective XX/XX/XXXX {$170.00}
Product: Debt collection

I received a call from a process server to see if i was home. I asked what it was about, he replied with a case number and a phone number. Number answered by XXXX XXXX, who told me I owed {$6000.00} plus because I hadnt replied to a letter I never received in XXXX. It was from XX/XX/XXXX! It may have been a real debt from my now deceased dog, but when I called Consumer affairs, they said statute of limitations had run out, and the debt was no longer valid. I also called the company in question, they said there were no outstanding accounts in my name! I called the Law firm several times after trying to try a straight answer, but there wasnt one, and at one point they told me to shut-up! 
If I hadnt have been savvy, ( and when they told me to shut-up it was a big clue ) I might have given them some kind of payment! What a great scam! My dog did have an injury that year, and Im not sure if that large bill ever got paid. Probably not. Easy prey! I consolidated 2 years ago, so I was fairly sure there was no other debt at that point, or the wouldnt have made that agreement with me. XXXX XXXX XXXX said ALL debt, so that was another reason I was Skeptical. 
The phone number fir XXXX XXXX is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE My initial complaint was not taken seriously as I was sent a generic response and no follow up before complaint was closed. 

This complaint is regarding the XXXX XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. This was an apartment complex I was living in up until XX/XX/2018. My complaint is not that it's a fraudulent bill, but rather that I never received the bill or collections notices at the correct forwarding address. After speaking to both XXXX XXXX and the XXXX XXXX XXXX, they confirmed that they were both sent to the same inaccurate forwarding address. XXXX and XXXX XXXX sent the final bill to XXXX XXXX XXXX XXXX OH XXXX. This was NOT the correct forwarding address, I never received the mail/notices, and I have documentation proving I was not living at this address at this time, or ever. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. I was never given the opportunity to pay the bill or take care of the collections notice, and my credit report is being punished..
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with the necessary proof of investigation. 

XXXX XXXX Missed Payment ( was never late ) - XXXX XXXX Missed Payment ( was never late )
Product: Credit card or prepaid card

I have come across an issue with Prepaid cards issued by Prepaiddigitalsolutions.com company. 

I had two prepaid cards worth {$70.00} each and were expired on XX/XX/2022. I had used the entire amounts from both cards to pay to a merchant on XX/XX/2022 prior to the expiry date. 

Card numbers are ending with XXXX and XXXX. 

My issue started with the merchant not delivering the service promised so I was working the merchant to refund my money. Which they finally did in the month of XXXX ( XX/XX/2022 ) on both cards for the full amount of {$70.00} each. 

However, since my prepaid card had already expired, why did the Prepaid card issuer allowed the money to be refunded back into the same expired card? 

To add insult to injury, my expired cards had now {$70.00} balance on each cards with expiry date of XX/XX/2022. When I contacted the card issuer on how to get access to my money on these cards, I was asked to request replacement cards and I was told that they will charge reissue fees of $ XXXX on each card. 

This is unfair practice of charging fees for the cards that they accepted the refunds on. 

Please help resolve this unfair fees charged to me. This is a double whammy for me since merchant did not deliver the service and now card issuers charging me unfair fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute a late payment that appears on my credit report. The late payment in question is related to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX Upon reviewing my credit report, I noticed that there are inaccuracies regarding this late payment. I would like to request that you investigate the matter and remove the late payment from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am exercising that right with this letter. 

I request that you remove the late payment from my credit report within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I opened a dispute with my bank for a transaction that was processed on XXXX the XXXX 2021. I never received any updates from them until I would call various times throughout the week. Whenever I would get them on the phone they would give me the same generic answer, their resolutions team was actively investigating. And I never received an email update until immediately after I had reached out to them on the phone. But the email was exactly the same each time as well. On XX/XX/XXXX and XX/XX/XXXX when I reached out to the resolutions team, they told me to keep reaching out to the merchant. Which I did. I even added her to a 3 way call with myself and the resolutions team agent, and when she told them the chargeback had been processed on their end, the agent didnt have anything to say. I have plenty of evidence to show that the goods I ordered were not delivered within the timeframe suggested and when I did receive a package, it was not what it was advertised to be. Which in turn, I promptly returned to the merchant. My bank has mishandled this from the beginning and denied my dispute, not once but twice. Even though I have sufficient evidence that XXXX  didnt send the package until after the dispute was filed, and I have sufficient evidence that her goods were returned and I have yet to receive my funds back. I also have screenshots of the merchant telling me that the funds were taken from her account, and that they have been released to my bank back in XXXX of this year. She sent screenshot proof of that as well.
Product: Debt collection

Healthcare Revenue Recovery Group sent me a letter stating will obtain a copy of a judgement and mail you a copy if I dispute the validity of this debt or any portion thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

After a non-responsive form letter in CFPB # XXXX, I am making a new complaint with the intention of getting resolution which they have eluded in previous with an attachment of the requested form, completed and offered as evidence to the XXXX  response and the XXXX of the CFPB authority to the financial institutions they're to be oversight.
Product: Credit reporting or other personal consumer reports

NFCU is disclosing my nonpublic personal information and did not provide required opt out disclosures prior to. The company is also reporting transactions and experience between me and the person making the report, to credit reporting agencies. In addition, the Company is reporting late payments on an open end consumer credit plan and has not honored my request submitted to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. I have notified NFCU several times of these violations and feel that at this point the company is willfully violating : My Federally protected consumer right to privacy as well as other CFR and USC violations under Privacy Act of 1974 and the Gramm-Leach-Bliley Act, 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ), 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out, 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments ( a ) see attachments. 
Credit reporting agencies are in violation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately Saturday, XX/XX/XXXX I reviewed my XXXX credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " Citicards CBNA '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', XXXX XXXX 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with XXXX on approximately Sunday, XX/XX/XXXX. XXXX responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against Citibank since they have submitted inaccurate information regarding my closed credit card account to XXXX XXXX. I have attached a copy of my XXXX XXXX credit report for documentation.
Product: Vehicle loan or lease

Made large payment for loan requesting principle payment but Bank of America didn't process as principle payment as requested. 

After fixing issue with significantly reduced principle balance, Bank of America continues to charge me interest on larger loan balance instead of reduced balance remaining after large payment. 

Bank of America doesn't show principle and interest of monthly payment on online access to account nor on monthly statements like other banks with loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone fro XXXX XXXX. Ive asked if they would update my credit report as Experian does. Although Ive paid I dont see any results.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, Rocket Mortgage, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Product: Mortgage

This is a continuation of complaint number XXXX. 

Rushmore Loan Management Services stated in response to this complaint that they would remove the " certified funds only '' restriction from my account and would stop withdrawing money from my account. I received a letter dated XX/XX/20 which shows that they again tried to withdraw extra money from my account ( without authorization ) and placed me back on certified funds status when my bank blocked their attempt. They continue to threaten me with these letters Even though I've never missed a payment.
Product: Mortgage

Bank of America offered me a 3 month trial modification and I completed it. They restarted the loan with 40 years. Im a senior citizens the term of the modification is not conducive for me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, TransUnion ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A  summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 

None of this information was provided, nor was an explanation given for the fraudulent account being listed on my XXXX report after subsequently being removed from my XXXX. Under 611 ( XXXX U.S.C. XXXX ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX XXXX failure and negligence. 

This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act Grain Technology- Account Number- XXXX, XXXX  XXXX- Account XXXX- XXXX, XXXX  XXXX- Account XXXX- XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX- XXXX, XXXX XXXX- Account XXXX XXXX, XXXX  XXXX, XXXX XXXX - Account XXXX- XXXX, XXXX XXXX- Account XXXX XXXX XXXX XXXX Account XXXX XXXX Convergent Acts Has Violated My Rights XXXX 

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 a account without my Written Instructions.
Product: Credit reporting

i need to validate the debt and confirm the payment history, first date of delinquency, account type, credit limit, past due and balance for XXXX XXXX.
Product: Consumer Loan

My XXXX credit report shows the following under the SYNCHRONY BANK/JCPENNEY : " Account in dispute under Fair Credit Billing Act. '' I am not in dispute with JC PENNEY. Please explain what this means.