23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Southwest Credit Systems , LP Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry Request for Correction/Removal Dear Southwest Credit Systems , LP , I am writing to formally dispute a credit reporting entry on my credit report that I believe is inaccurate. I recently reviewed my credit report, and I noticed the following information listed under your collection agency : Creditor Name : XXXX  Account Number : Amount Owed : {$890.00} Date Reported : XX/XX/XXXX I am disputing this entry because because I have no knowledge of this account, I have not had a XXXX account in the last XXXX  years. this has to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am requesting that you conduct a full investigation of this dispute and provide me with a written response within 30 days. If you can not substantiate the accuracy of the debt, I request that you promptly remove the entry from my credit file.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, I request that you provide me with documentation verifying that you have the legal right to collect this debt, including any original agreement or evidence of the debt owed by me. If this information is not provided or verified, I request that the item be removed from my credit report. 

Please send me a written confirmation that this matter has been resolved, and provide an updated copy of my credit report reflecting the removal or correction of the disputed information. If the investigation reveals that the information is accurate, please provide me with the details and the supporting documentation that proves the validity of the debt. 

Please note that under the FCRA, inaccurate or unverifiable information must be deleted, and I trust that you will follow the law to ensure my credit report remains accurate. 

I have attached any relevant documentation to support my claim, including my credit report and any communication related to this matter. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. 

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

I wanted to make a complaint on XXXX XXXX because they have reported in accurate information on my account purposely. 

I disputed the information on my account and asked for validation of the account. 

The information XXXX XXXX sent back shows that being deceptive in credit reporting is a normal everyday business accurance for them. 

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month ofXX/XX/2019. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

XXXX XXXX also stated in there paperwork that is attached on this complaint and labeled XX/XX/XXXXcreated amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the XX/XX/XXXX from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

XX/XX/XXXXXX/XX/XXXX has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
XX/XX/XXXX has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information. 

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior. 

i have submitted this issue several times to transunion and XX/XX/XXXX and they have verified it as legit even though they had access to all the information XXXX XXXX sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  both have a judgment on me on file which was discharged in XXXX-XXXX and refused to remove it from my credit report. XXXX refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.
Product: Mortgage

I have paid ditech XXXX $ To bring my account current and pay off negative escrow. I followed the instructions on contacting XXXX and he told me to first pay XXXX to bring my account current which I did. I then called back and was told if I paid XXXX that I would be current and my payments would be XXXX. I did that as well. I called for my XXXX payment and was told I have to pay XXXX and then XXXX payment would be XXXX because I am still short. I do n't understand how when I have done everything they asked me to. They are not working with me at all and keep giving me misleading information. I am now being told that the payment was not enough to cover what is owed but I have spoken to them numerous times and they paynents they told me to send is what I did. I did exactly what I was instructed to do and am still being told I am deficient.
Product: Money transfer, virtual currency, or money service

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 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. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX IXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries
Product: Mortgage

None of the catogories listed fit my issue, but I am haveing difficulty in getting J. P. Morgan Chase/insurance claims department to release my insurance settlement funds needed to complete the repairs on my home from fire damage.
Product: Mortgage

We sold a house on Friday XX/XX/XXXX. We filed all the paperwork according to what Carrington sent us. We did close one day late past the original close out settlement but was told to pay the {$12.00}. and some od cent charge to cover this and we would be good. Out attorney did all the paperwork to reflect this and money was wired and taken care of. Monday the XXXX rolled around and they kicked it back and told us it was not the correct amount and told us we had another XXXX on there we have to pay and now we are disputing the charges but because change of ownership has happen we are forced to pay the additional fees to complete the title transfer. We were not told about any additional charges and when we spoke to a rep from Carrington on the 3rd they indicated the charge would be fine.

Spent over 3 hours today talking to reps and all telling me different stories and no one wanting to help resolve this besides pay the additional fees. We don't mind paying the extra couple of days interest but almost XXXX worth fees is ridiculous.
Product: Credit card or prepaid card

In XXXX of 2019, I applied for a Gold Delta SkyMiles Credit Card through American Express ( AMEX ) During a promotional period. The promotion states, " Earn XXXX Bonus Miles after you make {$2000.00} in purchases on your new card in your first 3 months and a {$50.00} statement credit after you make a Delta purchase with your new card within your first 3 months. '' Also, the offer states, {$0.00} Introductory annual fee for the first year, then {$95.00}. '' I received the XXXX bonus miles and the {$50.00} statement credit. However, AMEX charged my credit card the annual fee, which is suppose to be waived the first year. I contacted AMEX, spoke with three individuals, including a supervisor, who all stated they can not locate this promotional offer. I offered to provide AMEX with a copy of the promotional offer, but they refused to accept it.
Product: Credit reporting

I requested Experian to conduct an investigation on a XXXX XXXX XXXX account that appears in my credit file. I disputed the account as not mine. It is my belief that Experian did not conduct its investigation as required under 1681s-2 ( b ) of the FCRA. 
See : XXXX I am demanding that Experian provides to me the method and/or account-level documentation submitted by the furnisher of the alleged account used to verify it as my account.
Product: Credit card

This is regarding the ongoing complaint with Barclaycard and their continued non resolution of the issue that I have now reported twice. I have received a response from Barclaycard but it does not close the issue nor give me any proper response to my concerns. Barclaycard has removed the charges and found me not liable, but then nullify that by saying that if the merchant can prove the charges, they will add them back on my account. Prove how? I want video of the criminal perpetrator impersonating me, or phone records or the ip address from which they placed the fraudulent charge on a cancelled card. They have vaguely worded their response and it does not close the issue. They also said that they have closed/cancelled the card in question now in XX/XX/year>, when they told me in early XX/XX/year> in a phone conversation, that they were closing my card immediately and issuing me a new card which I received in mid XX/XX/year>. The fraudulent charge that was made on my account used the card that they had verbally told me was closed in early XXXX. They tell me that they are closing it now? They told me on the phone in early XXXX, prior to the fraudulent charge that the card was closed then. I have requested the phone records of my conversation in early XXXX, which they have not provided. 

My complaint is that they have not fully resolved this issue and put it to rest. On the one hand they are saying that I am not responsible for the fraudulent charges and on the other hand they are nullifying that statement and not taking responsibility or giving me any explanation for placing a complete and unknown stranger on my account, that they did not notify me about it in any manner, not providing any of the records of how and where they placed this stranger on my account, and not acknowledging the fact that they had cancelled the card in question at the beginning of XX/XX/year>, yet placed this fraudulent charge on my account on XX/XX/year> on the card that they had cancelled in early XXXX that they are now telling me that they are closing right now in XX/XX/year>. The level of ineptitude and lack of transparency is beyond pathetic and the response is extremely negligent and contradictory, it does not give me a proper explanation. And they further note that they have not put this issue to rest and may charge my card again.
Product: Credit reporting or other personal consumer reports

I sent a letter asking to validate the debt. I gave them 30 days to respond. They have NOT provided the proof. 
The letter was sent certified mail, with return receipt. 
They have violated my rights in many ways. My credit score dropped from XXXX credit score to XXXX 's
Product: Debt collection

This is a violation of my HIPAA rights by law, and demand that this medical debt be removed immediately from my consumer report. Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) defines medical debt. The Fair Credit Reporting Act ( FCRA ) is the main statute that regulates credit reporting. Section 602 of the FCRA states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy
Product: Debt collection

on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXXXXXX, US DEP ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase credit card services received my properly documented dispute within the 60 day window. Chase admitted to erroneously ruling against me and closing the case without even reviewing any of my supporting information. Chase allegedly 'reopened the dispute ' and immediately reissued their decision to deny my dispute, despite documentation from the vendor clearly showing the disputed {$4000.00} was an excessive and unauthorized charge. Chase then pressed me to provide evidence of fraud by the Vendor in order to continue the dispute. I researched and provided Chase with documented proof of fraudulent charges proving the vendor charged me for approximately {$12000.00} of services that they never delivered and I obviously did not receive ( XXXX 3X the amount I disputed ). I did not change the disputed amount and kept it unchanged at {$4000.00}. Nearly 7 months after alerting Chase to the erroneous/fraudulent charges, Chase refuses to make the 'provisional credit ' permanent. I believe they unintentionally ( but nonetheless damaging ) created a bias against me due to their mistake of ruling in the Vendor 's favor even before they reviewed any of the case details. I am preparing to hire an attorney to pursue arbitration/litigation of these actions by Chase Member Services. I will likely spend many times in excess of the {$4000.00} defending myself and repairing my credit. I am pursuing this to help others because Chase is wrong to abuse it 's power to ruin one 's credit simply because of errors they are unwilling to correct, apparently because it means they would have to go back to the Vendor and say, " Sorry, you know that dispute we allegedly researched and ruled in your favor ... .well, we screwed up and we need to take back the {$4000.00} we gave to you. '' I believe Chase will rely on the following for their defense ; the vendor told me they would reverse the erroneous {$4000.00} charge prior to me disputing the charge. I relied on this ( fraudulent ) statement by the vendor and paid my monthly balance in full as I usually do. Chase may win on this technicality, but there is no denying that Chase is complicit in the Vendor 's fraud. Chase 's action to knowingly allow the Vendor to use its relationship with Chase to perpetuate an act of fraud is something that can be 'rectified ' with organizations influential enough to 'get Chase 's attention. ' It is a testament to Chase 's arrogance that this is necessary for a disputed {$4000.00} charge that Chase could have and should have reversed long ago.
Product: Credit card or prepaid card

I have had 2 credit accounts with Chase for a little over a year now As I do with all my cards, when I make a purchase, I have paid them off immediately, and used them sparingly. I have never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 
Without notice, without reason, and without response, my accounts were closed. I am a recent college graduate, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know how exactly long the accounts have been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.