23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 Enhanced Recovery add a derogatory mark on my credit report per XXXX XXXX upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA. Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit report every XXXX. Each XXXX I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. Experian, XXXX, XXXX, and XXXX.
Product: Debt collection

Never received Confirmation of The Debt from Portfolio Recovery or any correspondence about the Debt Collection. 
Just Collection on My Credit Reports.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to formally register my complaint regarding the presence of fraudulent items on my credit report. Despite my multiple attempts to rectify this situation, these fraudulent entries remain, causing severe distress and harm to my financial well-being. 

I have submitted detailed documentation, including supporting evidence, to substantiate the fraudulent nature of these entries. However, my efforts to remove these fraudulent items have been unsuccessful to date. 

I want to emphasize that I have acted responsibly and expeditiously throughout this ordeal. I have taken every possible measure to protect my financial integrity and have diligently followed your company 's prescribed procedures for disputing fraudulent items. 

I am formally requesting the following actions to be taken immediately : A thorough and diligent investigation into the fraudulent items on my credit report to confirm their fraudulent nature. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the considerable stress, financial harm, and inconvenience caused by the presence of these fraudulent entries on my credit report. 
I understand that maintaining the accuracy and integrity of credit reports is paramount for the financial industry and consumers alike. It is my belief that addressing and rectifying these fraudulent items is not only my right but also a crucial step in upholding the credibility of the credit reporting system. 

I sincerely hope that such measures will not be necessary, and I trust that your agency will act promptly and decisively to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our mortgage was sold to LoanCare in XXXX of XXXX. We immediately received a disbursement from our escrow account from an overage they incorrectly calculated. Our property taxes are due semi-annually and the first analysis they performed they assumed the property taxes were only due annually. In the past 2 months we have had to request 4 more analysis and/or escalations as we have property taxes due XX/XX/XXXX. As of today, XX/XX/XXXX our escrow account is still wrong, we are being sent a second overage check of our escrow account, and our property tax disbursement is still not scheduled until XX/XX/XXXX. Our escrow account is now so underfunded that it is only half of the balance for our property taxes due in less than 2 weeks. On my most recent call they noted that the taxes are handled by the 3rd party vendor and they were not able to do anything for me without a few day wait for the vendor to look at our taxes again. They promised that they would be liable for any fees assessed by XXXX XXXX, but I am not able to get that in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX : JPMCB CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, 2021Chase credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. Chase has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with Chase concerning this problem.
Product: Credit card or prepaid card

CONTEXT Now coming to the main issue, this email is regarding the refund for my cancelled XXXX XXXX flight which I booked through Chase Sapphires reward program. The flight details were changed multiple times by myself and later by XXXX XXXX which is causing delays in conversation since the complete context is not clear to all the parties involved. So, I am now going to note the details down so that they act as the source of truth for future reference. 

TRIP DETAILS PASSENGER : XXXX XXXX ( XXXX ) BOOKING REFERENCE : XXXX TICKET NUMBER : XXXX XXXX PAYMENT METHOD : Chase Sapphire 's Reward Points TRAVEL DATES ( I changed the travel dates multiple times and later it was changed by XXXX XXXX so here are the details of travel dates in each iteration along with the initiator of that change. ) Iteration Number Start Date Return Date Change Initiator Ticket/Email PDF Comments XXXX XX/XX/2022 XX/XX/2022 N/A ( trip creation ) Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Air XXXX XXXX ( Don't have it since it wasn't sent ) XXXX NA ( trip cancelled ) NA XXXX  XXXX XXXX ( Don't have it since it wasn't sent ) I later learnt from one of the XXXX  XXXX 's customer support agents that not sending the cancellation email is an XXXX  XXXX policy and instead I was supposed to check my XXXX  XXXX app 's notification . 


REQUEST Given the details I provided, I feel it would be fairly easy to process my refund and so I once again, after multiple existing requests to each of the parties, request you to kindly initiate the refund either as reward points ( since it was the payment method ) or cash worth the same monetary value.
Product: Debt collection

As a XXXX, XX/XX/XXXX single mom of a XX/XX/XXXX hospitalized with a XX/XX/XXXX XXXX, Mother begs American Express XXXX AMEX XXXX to immediately cease and desist from AMEX unauthorized attempts to repeatedly contact an innocent, ill daughter. Nurses and physicians have asked that Mother stop AMEX harassing calls that are causing dangerous and needless stress to a hospitalized child. Mother authorized her child only as " user '' of Mother 's AMEX credit card ; child is not and never was either a co-signor or financially responsible party. 

Because of California COVID stay-at-home orders, Mother has not been able to earn income for over one year and now has exhausted all life savings. 
Before COVID came to California in XX/XX/2019, Mother successfully served the hospitality industry for the entire state of California -- an industry now itself fully destroyed after one year of the coronavirus pandemic. 

Last year after COVID came to California, new U.S. COVID-related immigration restrictions also banned foreigners from entering the U.S. These federal restrictions prevented Mother 's loyal following of international hospitality investors from entering the U.S. to acquire California hotels and, as a result, prevented Mother from earning income. 

Though never before a cardiac victim but only since COVID-19 came to California, Mother suffered three different XXXX XXXX and XX/XX/XXXX XX/XX/XXXXand then further was diagnosed with XX/XX/XXXXXXXX ( liquid in the XXXX XXXX. As an XX/XX/XXXX, Mother no longer can afford to buy insulin to stay alive and soon will be without phone and Internet since she also can not pay past-due bills. 

Hospitalists, physicians, nurses and daughter in XXXX all have reported XXXX AMEX phone harassment. Mother demands that AMEX immediately cease and desist contacting a XX/XX/XXXX regarding AMEX accounts belonging solely to XXXX. 

Mother 's former California Attorney was sued by Mother/Plaintiff ( California Superior Court Case # XXXX ). Attorney still owes Mother Settlement of {>= $1,000,000}. Mother authorizes AMEX to contact Attorney at : Per the State Bar of California : License # XXXX License Status : Active Address : Law Office XX/XX/XXXXXXXX, # XXXX, XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( 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 thousand of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. And unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report I have mailed in several dispute letters and also called in to the support line
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/22, i deposited a check at bank of america ( XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) for {$8400.00} from XXXX bank. I was told upon depositing that there would be a 2 day hold for approx. {$5300.00} and a 4 day hold for the balance i agreed and deposited the check and received a receipt confirming ( attached ). this afternoon i recevied an email stating that the full balance wouldnt be available until the XXXX ( attached ). 

Bank of america claims they cant do anything about hold extension, when i requested the deposit be cancelled they said they could not cancel deposit. This is unacceptable, if i was told money would not be available to new years i would of sent check to XXXX XXXX  for faster processing, instead i was lied to and given the wrong dates. No i will be unable to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times this year to get Experian and XXXX XXXX to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
XXXX is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!
Product: Debt collection

Pressler and Pressler has been cited for violating the Fair Credit Act and for filing numerous frivolous law suits against customers. I asked them to cease and desist all current and future collection activity for a bill from XXXX XXXX Hospital. XXXX XXXX Hospital claimed they rendered services to my companion animal when they did not, they caused his needless pain and death and refused to answer all complaints. I therefore disputed the bill and informed their lowlife attorneys to cease and desist all current and future collection activity which they have not respected.
Product: Checking or savings account

On XX/XX/XXXX I reported unauthorized charges on my account to Citizens Bank. These unauthorized charges caused my account to overdraft. After about a month Citizens Bank returned my funds but refused to waive the overdraft fees. The total was for {$70.00}. They have lied to me multiple times and told me that they would waive the overdraft fees but still refuse to do so.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Bank account or service

I am submitting a complaint against Bank of America for a few reasons that are related to bounced check fees. First of all, I feel {$35.00} is an outrageously high fee for a bounced check, especially since the bank does not make it a practice to cover the checks in any way. Also, Rhode Island State law limits to {$25.00} the amount of money a merchant can charge a customer for a returned check. Therefore, I feel it is only fair that the banks be limited by the same statute. Specifically in this situation, I had written a check to a merchant who then only submitted it to his bank several weeks later. Because I was n't expecting it several weeks later, check # XXXX bounced on XXXX and again on XXXX. I take issue with the timing in which I was notified by electronic banking because both charges showed up on the same morning of XXXX. If the first attempt had been apparent on electronic banking in sequence, I would have been able to cover the amount and prevent the second bounced check from occurring. In other words, I find it strange that both attempts of cashing the check became evident at the same time on my electronic banking. It means the bank is being inconsistent in its timing of presenting information to customers via electronic banking, and this peculiar timing ends up making the bank a profit as a consequence. Moreover, these XXXX fees totaling {$70.00} resulted in a third check, # XXXX written for {$75.00}, to bounce as well. As it stands now, I have XXXX bank fees totaling {$100.00}, and my daughter may lose her spot in the after school program as a result of the check being insufficient. For one of the largest banks in the country that gambled with my hard-earned tax money, subsequently blundered, and then was bailed out, one hopes it would be more lenient in dealing with customers ' relatively minuscule mistakes. I sincerely hope that XXXX XXXX becomes President of the USA and breaks these " much bigger than before '' banks up into smaller businesses that know how to act more fiscally and socially responsible. As far as resolution to this matter, I am interested to know the names of the banks who submitted these checks through my account. For if it was Bank of America itself, then we have a serious conflict of interest. Next, I want to know when they were submitted to BOA exactly. For I want to be sure the bank did not predatorily wait for a moment when no funds were available in my account to put the checks through or time them sequentially in such a way to cause my overdraft. In addition, I 'd like for BOA to lower the maximum fee they charge for NSF transactions to {$25.00}. Lastly, I 'd really appreciate at least a partial return of the fees charged to my account since I 've been banking with BOA. Since {$35.00} - {$25.00} is equal to {$10.00}, I 'd appreciate {$10.00} for every fee over the years. Lastly, I 'd like a thank you for bailing it 's " too big to fail '' XXXX out of complete destruction and for not prosecuting anyone on its board for treason against all Americans back in 2008.
Product: Credit card or prepaid card

I had this card XXXX  when it was XXXX went out of buisness and it currently shows XXXX ( XXXX XXXX XXXX XXXX on my credit report ( s ) as closed.I didnt know this account was closed.I was never notified that this account has closed.I know i paid this XXXX account off some time ago before XXXX went out of buisness.If i was notified that this account has closed, I would have called them right away.Because its closed, this has hurt my credit score.I believe under the Fair Reporting Credit Act/consumer protection, XXXX/XXXX  was suppose to notify me.Therefore, I never received anything that this account has closed and the reasons why
Product: Money transfer, virtual currency, or money service

Ive been using Zelle since my bank allowed it, not sure of the dates ( XXXX ). However, there was no warnings of if I sent it to the wrong person that my money would be lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My mortgage was bought by NationStar/Mr Cooper. My payments were automatically deducted from my checking account with my previous lender and this migrated to the new lender. The problem is that each month the new vendor deducts the money from my checking account on the XXXX of the month but sends me a letter dated the XXXX which says that I have not paid, and suggests ways that I can pay, which cost more money. This comes across as a scam, they are just trying to get more money.
Product: Debt collection

Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.
Product: Credit reporting or other personal consumer reports

When attempting to access the free credit report, Experian consistently fails and tells me that a condition exists that does not allow Experian to provide my credit report, and that I must send them a mail. XXXX and XXXX work just fine. I don't see why Experian would have an issue, and would require manual steps. This unnecessarily complicates the process of reviewing and resolving issues.
Product: Credit card

We asked XXXX XX/XX/XXXX to permanently close ourXX/XX/XXXX account. We were hung up on three different times by three different representatives and given the runaround which we believe is a deliberate deceitful business tactic in order to try to maintain and hold customers against their will we keep being told theyre sending us another credit card which we have told them repeatedly we do not want.
Product: Money transfer, virtual currency, or money service

I purchased XXXX dollars worth of Bitcoin on the XXXX app Coinbase on XX/XX/XXXX, and sold XXXX dollars worth of Bitcoin on XX/XX/XXXX. I have not yet received my funds which were supposed to arrive no later than XX/XX/XXXX. 

I have contacted Coinbase " support '' through multiple facets, such as IM on their website, email, and phone, but it is to absolutely NO AVAIL. This is incredibly disappointing, as I have essentially been robbed of my money. One must take self accountability to losing money due to poor investments, however this is just plain FRAUD and theft. 

Coinbase has only responded to me once with the " We are looking into your issue and are working hard to resolve this '' type of message ... 2 weeks ago. 


I am a struggling college student and I have definitely learned my lesson -- but I need my money back. Please help.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting capital one, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 any purpose.