23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the last few years I have received repeated calls from various collection agencies for a debt that is not mine. They are calling for my ex husbands son. I have been divorced for XXXX years and he has never lived in my home and I have no relationship with him. I do not know how he continues to be associated with me or my family since the marriage was disolved a long time ago. When I ask to speak to a supervisor, I get disconnected. I have asked for them to stop but it seems to shift from agency to agency. Any adivice you can provide would be greatly appreciated. None of the agencies will tell me how they got my name and say it 's to protect their client.
Product: Debt collection

An amount of {$1800.00} was reported to my credit report as a collection account by a company called SEQUIUM ASSET SOLUTION. The original creator was XXXX XXXX. The date open was XX/XX/2023.
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and reporting discrepancies, my financial instiutution and Zelle faile to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking my dispute of an transaction was unfeasible and I would not be able to get my money back.

The CFPB 's findings indicate that Zelle has not only neglected to protect consumbers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

I just want a REFUND reimbursed for anything I have reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their improper debt collection practices and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming that I owe a debt to XXXX  in the amount of {$450.00}. However, I have never received any official communication or letter directly from this collection agency, and the information presented in the document contains false and unverifiable details. Specifically : Incorrect Address : The document lists an address ( [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ] ) that does not belong to me. 

Incorrect Account Information : Upon contacting XXXX, I was informed that the phone number attached to this alleged account is XXXX, while the document provided by the collection agency lists XXXX. This discrepancy demonstrates that the account information referenced is not accurate or associated with my XXXX  account. 

Failure to Validate the Debt : Upon contacting XXXX directly, I was informed that they could not validate or confirm the debt presented by the collection agency. 
These discrepancies indicate potential violations of federal laws, as outlined below : Failure to Validate Debt Properly ( 15 U.S. Code 1692g ) : Debt collectors are required to provide accurate and sufficient validation of a debt upon request. The collection agency failed to contact me directly, and the information in their communication is false and unverifiable. 
Misrepresentation ( 15 U.S. Code 1692e ) : The FDCPA prohibits debt collectors from using false or deceptive means to collect a debt. Providing incorrect information about the address and account details constitutes a clear violation of this provision.

Inaccurate Information Furnished to Credit Reporting Agencies ( 15 U.S. Code 1681s-2 ) : If this debt has been reported to credit bureaus, it violates federal law, as furnishers are prohibited from reporting inaccurate or unverifiable information. 
This collection agency is engaging in unfair and misleading practices, and their actions are causing unwarranted stress and confusion. I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violations of federal law.
Product: Checking or savings account

PNC has blocked me from linking my debit card to XXXX.
Product: Mortgage

I have fixed rate mortgage with US Bank with principal and interest payment of XXXX per month. 
In XX/XX/XXXX, US Bank stopped accepting this payment as they did not apply the checks we sent. 
Apparently, US Bank decided that my payment should now be XXXX monthly and therefore did not accept this payment. 
They were billing me for escrow even though I always pay my own taxes and insurance. 
We have tried for the past year to get this rectified by working with US Bank directly. ( Note that this happened to us one year prior and we were able to resolve by dealing directly with US Bank ). There  were many phone conversations between my wife and US Bank over this past year where the situation was explained and they would tell us to send a payment XXXX for each month that was not applied and the problem would be resolved. We did many times send the agreed amount and US Bank would take the money and then post the amount back into our account 10 days later. I am attaching screenshot from my bank account which show the US Bank taking payment from our account and another attachment which shows them returning payment several days later. 
Most of the time, these payments were made as a result of phone conversations that my wife had with US Bank representatives and this was mutually agreed amount. 
In some cases, we did get some followup emails from the US Bank representatives which I will attach to this complaint. 
In the attachment fromXX/XX/XXXX - US Bank asked us to send a check for XXXX of which XXXX will be applied to the past mortgage ( principal & interest ) and there will be a refund of XXXX. As I write this complaint, we have still NOT received this refund. Furthermore, we received additional emails from US Bank stating that our loan is in foreclosure or loss mitigation - please see the attached email from XX/XX/XXXX. 
At this point, all we are interested in doing is paying off the mortgage and get out from this nightmare! We do not feel we should be held accountable for any late fees or penalties because we acted in good faith continually through this process. These practices by this institution seem very predatory and I can not believe they are legal? We have acted in good faith in trying to get this matter resolved directly with US Bank but this seems impossible. We are ready to borrow against my 401K to pay off the loan. 
This has caused an unbelievable amount of stress for me personally and my family of nine. My health is suffering because of this, I can not sleep at night and my wife and I argue consistently about this. We fear greatly that our home will be snatched from us by these practices instituted by US Bank. Please help us!
Product: Credit reporting or other personal consumer reports

I'm writing to request that my consumer report for XXXX and XXXX month and my consumer file be sent to myemailaddress, XXXX XXXX
Product: Credit card

I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX Merchants XXXX  - XXXX XXXX XXXX, Merchants XXXX  - XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I made the claim for a family inheritance at Citibank NA. After completing all documentation requirements dated XX/XX/XXXX Citibank issued and gave me the legacy fund beneficiary change document. Subsequently for the delivery of the legacy funds Citibank has a bank account in my name for which I provided the respective accesses and I can enter my bank account where the deposit corresponding to the legacy value is. From this bank account I generated my original statement which I currently hold.In addition, I was instructed that in order for me to transfer the legacy funds to my bank, I had to pay the inheritance tax and dated XX/XX/XXXX I received the letter from internal revenue services ( IRS ) without being told the value of the tax I had to pay to comply with U.S. law. I paid this tax for which I sent the receipts to Citibank. After paying the tax and sending the documents to Citibank he told me that because it took me 3 months to pay the tax because it was a large amount my bank account that originally aired me had been frozen and canceled so to move the legacy funds I had 2 options : the first option was to open a new bank account and the second option was for Citibank to send me an international transfer of the funds. I opted for option 2. The bank requested all my personal data which I sent them and dated XX/XX/XXXX made the international transfer for which it sent me the original proof. After 8 days and not receiving my money, I contacted the Bank and was told they were going to find out but I no longer had an answer. on XX/XX/XXXX, I contacted a senior Citibank executive for which I prepared and sent a letter of complaint detailing the above. Citibank 's senior executive moved my complaint letter to the Citibank Executive Unit and on XX/XX/XXXX I was told that they had received my complaint and that I would give them 15 days to conduct the corresponding internal investigations. On XX/XX/XXXX, after the corresponding investigations were carried out by the Citibank Executive Unit, it requested my original bank statements where I requested my bank transfer in order to verify that I have not actually received my money. I sent them my original statements from XX/XX/XXXX to XX/XX/XXXX as well as a copy of the international transfer receipt they sent me. After receiving my information I was asked another 15 days to review the information I sent them. On XX/XX/XXXX, Citibank 's Executive Unit told me that if I wanted to get my money I had to file a complaint with the appropriate authorities.
Product: Checking or savings account

On Tuesday evening XX/XX/XXXX my checking account had a balance of XXXX dollars. There were no pending transactions. I was unable To login to my account Wednesday morning for XXXX-XXXX to check my balance. Around XXXX XXXX I checked it and my balance was negative XXXX .... I immediately transferred money via instant deposit via my XXXX account for XXXX which brought my balance back to a positive status ... later that afternoon I checked it again and after making that deposit they proceeded to return two ach transactions and charged me two return fees of XXXX dollars. Those two transactions never had a pending status they were posted as if they were checks written when in fact they were ach withdrawals for payments done online.. both were under 30 dollars. Every other ach payment made will process as pending and then completed .. these two just popped up On XXXX as being posted on XXXX. As stated as soon as I was able to transfer money over o did but they returned them anyway and charged me XXXX x2. That is no way to handle your customers account .. it makes a difficult situation just that much harder and I dont appreciate the way they manipulate they system to benefit them. U cant deposit money in a local branch atm it doesnt get applied to your account for two days.. the only way to deposit money is instantly like I did and they still sent back those payments despite the fact it had been covered. I want the return fees credited back. I will be changing banks. I cant win for losing with them and have had enough of them taking my Money amd taking advantage.
Product: Credit card or prepaid card

It was opened credit card on my name just today. I immediately called to card issuer and they started investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2021.
Product: Checking or savings account

Disputed 2 claims with Bank of America for the same Company. Attended a seminar, in XX/XX/2020 and purchased programs. The Company split the charges for 2 products. {$1700.00} and {$2500.00}. As with many products offerings like this, there was a 3 Day Right to Cancel. I exercised my right to cancel by faxing the cancellation in to the Company XXXX XXXX. After cancellation, the company keep trying to get me to upgrade but I said I simply want to cancel. I reached of to Bank of America to to file a claim to dispute charges and reverse transaction by sending in the Right to Cancel form. Bank of America honored one charge {$2500.00} but not the other charge $ XXXX.I have sent certified letters trying to resolve this issue. As you can imagine my account has a huge negative deficit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Experian does not properly investigate disputes and fails to remove or reinserts errors on reports threatening consumers access to credit employment and housing I was promised accuracy based on federal law. Under 15-USC-1681 all unverified information must be removed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

First Federal Credit Control has reported a debt to one or more credit reporting agencies. They claim to be attempting to collect a debt on behalf of XXXX XXXX XXXX. They claim that I owe {$1700.00} and that this claim is still outstanding. However, I have confirmation from my insurance company that this amount was paid in full on XX/XX/2023 ( check number XXXX for {$1700.00} ). Although this amount was paid in full to the original creditor, First Federal Credit Control continues to claim that I owe this amount. 

I can certainly understand a delay of a week or so to process the account and send an update to the credit reporting agencies, but it appears that First Federal Credit Control can not be trusted to meet their obligations under the law. Although I have informed them of this error, they continue to try to collect a debt that has already been paid. I demand that they immediately update this account to show a XXXX balance. I would also recommend that the CFPB take any appropriate enforcement action to ensure that First Federal Credit Control meets its legal and ethical obligations.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Sir/Madam, This letter serves as a final attempt to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. Despite my previous correspondence dated [ XX/XX/XXXXXXXX  and XXXX  ], in which I formally disputed the incorrect reporting of late payments on my credit report related to my [ Credit Card, ] account [ XXXX  XXXX XXXX XXXX ], this issue remains unresolved. This ongoing inaccuracy has caused significant damage to my credit score and reputation. Despite providing clear documentation and requesting corrections, the errors have not been rectified. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ) emphasize the need for accurate reporting and require creditors to provide timely and accurate billing statements, which has not occurred in my case. Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. I am fully prepared to pursue legal action to seek damages, including legal costs, should this matter not be resolved immediately. Furthermore, I cite the following legal precedents as applicable to this matter : Key Case : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies have an obligation to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Failure to do so may result in liability for damages under the FCRA. Key Case : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : This case involved a violation of TILA, specifically regarding the failure to provide adequate notification of payments. This creditor 's failure underscores the importance of consumer protections under TILA, which applies directly to my situation. Final Request for Resolution I am giving you one final opportunity to correct the inaccurate late payment entries on my credit report : Date of Late Payment Report : [ XXXX ] [ XXXX ] Failure to correct this information within 10 days of receipt of this letter will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney General 's Office. Additionally, I will proceed with legal action to recover any damages resulting from this prolonged inaccuracy in my credit report. Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX  XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.