23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.
Product: Debt collection

I have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. 

The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. 

The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. 

AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.
Product: Debt collection

A little over a year ago I started receiving calls and letters from a lawyers office stating I owed approximately {$1000.00} for an XXXX  visit I had in XX/XX/XXXX. I called the lawyers office right away disputing the bill saying I had health coverage at the time of this visit and it was completely covered by the insurance, they just said okay and filed a dispute. They stopped contacting me after that for about XXXX months and then XXXX day I saw it reported as a collection under my credit report. I then went through all the credit agencies and once again disputed the claim, it came back several months later as claim is accurate debt is still owed the most recent dispute I put in ( XX/XX/XXXX ) I included supporting documents of my health policy at the team and a receipt stating the visit was PAID IN FULL by my insurance. They continue to report the claim as accurate when it is not because it was paid for by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a free credit score check, and ended up being charged {$24.00}. I immediately deleted my account because this charge came completely out of nowhere.
Product: Debt collection

A collection debt was added to my credit report XX/XX/2023 in the amount of {$800.00}. i am unaware of the original company and bill. 
The creditor : CPC has not sent me any information about this debt so that it can be verified and validated. 

In a XXXX search i have attempted to call the creditor directly to understand why this incorrect debt was placed on my credit report. 

I have not received any correspondence from the creditor. Calls are unanswered. There has been no communication via phone, mail, or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports an account under the name ( XXXX XXXX ) inaccurately. 

Wrong name & address a violation of FCRA rules section 1681 Inaccurate account balance, a violation of FCRA rules Inconsistent reporting with the two major reporting agencies, a violation of FCRA rules Inaccurate payment history, a violation Misleading date of last activity, a violation Inaccurate date of last payment, a violation of FCRA rules.
Product: Mortgage

On XXXX XX/XX/2020, I called XXXX 's mortgage servicer Nationstar Mortgage LLC to bring to their attention the fact that the XXXX statement had incorrect sums and, more importantly, an incorrect loan balance ( it was off by {$1.00} + change ). I eventually had to speak to a manager, who confirmed that the loan balance was indeed wrong and that they would fix it. A few days later, they confirmed that they fixed it and invited me to download the updated payment activity log, which showed the correct numbers. Their debt collection website front page for my account, however, had switched to anticipating the next automatic payment in XXXX to indicating that the XXXX payment was still pending. I am on automatic payments, and my previous conversation with them was about the XXXX payment that WAS applied, so I figured that they still needed to fix their system. Today, XXXX XX/XX/2020, I was called by one of their representatives who indicated that I am now late for both the XXXX AND the XXXX payments. The representative told me that their automatic payment system is NOT broken, so why would he ask me to pay for XXXX and XXXX twice? I am now awaiting a call-back from one of their managers. In the meantime, I am reporting Nationstar 's practices because who can one really go to when no one oversees the people servicing your loan?
Product: Checking or savings account

I have a deposit from the US Department of Treasury for {$280.00} which was suppose to credited to my account and still hasn't posted. The bank is Chase Bank. And the thing is they are trying to tell me old transactions took my money but the payment wasn't posted untilXX/XX/2021 and was suppose to be posted onXX/XX/2021. I am being told my money went to those transactions but when the transactions were made the money was taken right then. I feel that my money is being taken from me for the banks mess up. This is at Chase Bank.
Product: Money transfer, virtual currency, or money service

I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.
Product: Checking or savings account

On XX/XX/year>, I called Chase customer service to close my Chase XXXX account. During the call, I requested to have a check for the remaining account balance sent to my personal address. In early XXXX, I received a statement showing that my account had been closed as of XX/XX/year>, and that the remaining funds had been withdrawn. However, I had not received a check. 

Subsequently, I called Chase 's customer service helpline on multiple dates, including XX/XX/XXXX. Each time, I was told that the company would assign someone to look into the issue and follow up with me. However, no one reached out to me. 

Finally, on XX/XX/year>, I went to my local Chase branch to meet with a representative in person. The representative informed me that the check had not been mailed because, per Chase policy, accounts with a balance of over {$1000.00} could not be closed over the phone. ( I was not informed of this during the XX/XX/year> call, even though my account balance was in excess of this. ) The representative asked me to sign an affidavit declaring that I had not received a check and told me that I should expect to receive a check with my account balance by XXXX XXXX. However, I still have not received a check.
Product: Credit card or prepaid card

Back in XXXX I opened up a new HSBC credit account and I set it up on auto pay in the month of XXXX on the XXXX day of 2020 before my payment due date & to my knowledge auto pay was to take effect immediately as I receive a confirmation email saying it was set up & supposed to pay my bill for the month of XXXX. I take my credit and credit scores very seriously and I was shocked to realize that my autopay did not go thru as it was confirmed to be active so once found out I called in XX/XX/XXXX to see what was the problem & I spoke to a gentleman by the name of XXXX and i was very taken back by tone his inaptitude to help me and as I explained to him my situation and how I did have auto pay set up prior to my payment which he confirmed was correct but he stated that it takes sometimes a little longer to take effect I was unaware of this because once I set it up it sent me a confirmation email stating it was active. I told this employee how it was now effecting my credit score and showing as a 30 day lateness and my credit dropped from over 800 to under XXXX dropped my score about 90 points and I am trying to refinance my house not to mention the pandemic and the cares act saying these types of negative reporting practices should not be taking effect. I am also a veteran and have a perfect payment history and all my accounts are on auto pay and I have never heard of such a ridiculous thing like it takes more than a month to take effect & however had I been disclosed this information I would have gladly set up other arrangements. but that was not the case and XXXX was very rude and he even was laughing at my misfortune I think his attitude changed drastically once I mentioned I served our country. so right now this really effecting my life I already tried to dispute this only to get no where and I would like to file a formal complaint here with the CFPB before I take legal action because the effect on my interest rates with be so drastic I will have no choice but to take legal action. I ask you to look into this and also the practices this gentlemen used during our conversation which he belittled me and insulted me like I have never expierenced in my life this has cause a tremendous amount of emotional stress and it has effect my home life because now we are in jeopardy of not being able to refinance our mortgage which if it falls through will me and my family for years to come. I believe HSBC is at fault and so does my attorney so I would like to immediatly remove this inaccurate late payment because they did not disclose the length of time it takes for auto pay to kick in. As required by the statues of your complaint laws I would like this investigated and off of my report with 15 days if that does not happen I will have no other option than to take legal action
Product: Debt collection

This is a follow up complaint to ARS. ARS stated : We respectfully disagree with the consumer 's interpretation of the applicable statutes, and feel that we have complied in accordance with the law. 

Despite my efforts to rectify this matter concerning ARS has to date, failed to prove that this account is mine. ARS have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
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 Zelle using numerous times and reporting discrepancies, my financial institution in 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 also allowed 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX has unjustly added information to my credit report, saying that I owe over {$900.00} when I have proof that that amount is incorrect. In addition to this, they have sold my debt to a collection agency that I have made arrangements to pay a lesser amount. How can they sell my debt, that is incorrect my the way to another agency and still report my account as past due, delinquent when I have been sent to collections, AFTER SERVERAL ATTEMPTS TO REACH THEM, TRY AND GET THE CORRECT BALANCE AND MAKE ARRANGEMENT WITH THEM. I have all the supporting documents that I have tried to resolve the matter with them. I only owed {$330.00} dollars when I left, now they are showing that I owe 3 times as much. XXXX XXXX has a history of applying erroneous charges to their customers accounts. They are currently paying out a class action lawsuit for this very thing. 

Please help me by making them remove this account from my credit report. I have an excellent payment history. I pay my bill. Their action has cause my score to drop. Please help me. I have the documentation to prove what I am saying is the truth so help me.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about the incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ' and XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ' listed on my Experian credit report. These addresses are not linked with me, violating the Fair Credit Reporting Act ( FCRA ), which says credit reports need to be accurate. This mistake is frustrating and increase the risk of fraud. I request their immediate removal to ensure my financial integrity and avoid future problems. Also, check how this error happened to make sure theres no fraud involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I applied for a credit card online and gave consent to hard Inquiry credit check, experian credit score used to make credit decision and offer for approval is almost 16 months old.. my current score is XXXX by XXXX XXXX credit monitoring, XXXX by experian 's own app but my score on XX/XX/21 by XXXX XXXX XXXX for a XXXX XXXX card was XXXX. I highly doubt 100 points of discrepancy is data from experian. 
Please provide a credible explanation. 

Thank you XXXX XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX and XXXX that do not belong to me with a past due balance of {$580.00}. i have never done business with PORTFOLIO RECOV ASSOC or any one they are collecting for, i have never signed documents, contracts or any agreements with PORTFOLIO RECOV ASSOC, i have never provided this company with my social security number, private address or any personal information.
Product: Debt collection

I received a letter from Thomas George Associates informing me that they have been retained by my former employer to recover unearned prepaid commissions from former employees. They claimed that I owe a balance of {$660.00}, payable to TGA. 

After weeks of back-and-forth communication with XXXX XXXX of TGA , I decided to resolve this matter directly with my former employer. XXXX XXXX XXXX claims that he can not provide any more information other than what has been provided, including the appropriate contact for this matter, therefore I am not receiving the necessary information to validate this request. 

Despite telling XXXX XXXX XXXX to not contact me again, he repeatedly has sent follow up letters and called my cell phone stating that I have ignored his communication, which is not true.
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX XXXXXXXX I FILED A XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Debt collection

15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Southeast Toyota Finance XXXX XXXX XXXX XXXX, AL XXXX ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I started dispute processes with XXXX, XXXX, and XXXX to dispute the XXXX open Fedloan Servicing accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with Fedloan Servicing who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called Fedloan Servicing in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. Fedloan Servicing has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to zero out the balances with Fedloan Servicing and closed the accounts. XXXX has failed to correct my credit report because Fedloan Servicing is reporting to them that I still have a balance with them and that the account is still open, this is false, although my Fedloan Servicing website dashboard shows loan balance as {$0.00}, Fedloan Servicing is still reporting inaccurate information as if my student loans are still held by them and their not.