23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX  ( operated by XXXX ) after I received an invoice for a missed toll payment on XXXX XXXX. I did not realize that my transponder was not working at the time, so toll charge of {$4.00} was not charged. I called ( XXXX ) and paid this particular toll, then learned that this was actually the second time that I had a missed toll charge. The first missed toll invoice was sent in an invoice back in XXXX, amounting to $ XXXX. I never received this invoice. It was sent to Nationwide Credit Corporation ( XXXX ) for collections. I never received a bill or debt notice from either XXXX XXXX  or Nationwide Credit Corporation about this particular debt. When I called NCC to pay the charge, they told me that the debt is now over $ XXXX, because of their administrative fee. They told me the administrative fee goes up incrementally over time, now amounting to {$120.00}. If I had known about the bill, or even the debt, I would have addressed it sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - sent email to XXXX XXXX XXXX To date, I have records of factual documentation where XXXX XXXX XXXX has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. 

Please see attached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my Experian credit report regarding the account mentioned with XXXX XXXX XXXX. The reported account status as " Account charged off/Never late '' is inaccurate and misleading. I am requesting a thorough investigation to rectify this error. 


I hereby dispute the following : Account Information : 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 


I dispute the accuracy of this account status for the following reasons : Payment History : Contrary to the reported status of " Account charged off/Never late, '' I have consistently made on-time payments as per the terms of the 72-month installment loan. Specifically, in XX/XX/XXXX, I made a payment of {$2900.00}, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. My payment history has been characterized by diligence and punctuality. 


Discrepancies in Account Balance : I have received correspondence from XXXX XXXX XXXX ( XXXX ) indicating that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/XXXX, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. However, I have not received comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied. 


Missing 1099-C Form : Furthermore, I would like to bring to your attention that XXXX XXXX XXXX has failed to provide me with a 1099-C form for the written-off amount of {$3800.00}. This omission is significant as it should result in the reported balance being zero, in accordance with tax regulations. 


I earnestly urge you to take prompt action in updating my credit report to accurately reflect the details of my payment history and resolve the discrepancies presented. Given my consistent record of responsible financial conduct and adherence to the payment schedule outlined in the original agreement, it is crucial that my credit report accurately reflects this information. 


I kindly request that you conduct a thorough investigation into the accuracy of the reported account status, the handling of insurance proceeds and account credits, as well as the missing 1099-C form. As per the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to complete this investigation and provide a response.
Product: Credit reporting or other personal consumer reports

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within XXXX business days upon receipt of ( XXXX ) appropriate proof of my identity and ( XXXX ) the identity theft report. The entries still pending removal are listed below : EXPERIAN : 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 I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Product: Debt collection

I have received repeated phone calls from ERC I asked them to keep all communication to letter form and to stop calling me repeatedly they have continued to call they called today at XXXXXXXX XXXX after I have all requested the calls to stop they are always changing there phone numbers and when asking to speak to a supervisor they go silent and hang up the phone
Product: Debt collection

One Main Financial has been contacting my phone XXXX times a day regarding a installment loan I have them - however I have enrolled in a debt settlement program who has my signed authorization to speak on my behalf. Yet, One Main Financial continues to call me - rather then reach out to the debt settlement company. 

Additionally, they contacted my place of employment today ( XXXX/XXXX/15 ) in XXXX - which I had previously advised them not to contact me there. I work remotely from home in XXXX, so my cell number is the best contact to reach me - contacting my office does not help as they merely take a message and have to email that I received a call from the said creditor.
Product: Debt collection

On XX/XX/2021 I sent a letter to AmerAssist an invoice for XXXX for violating my rights under the Fair Debt Collection Practices Act pursuant to XXXX. It has been well over 30 days since I have sent this letter through XXXX XXXX  and I have yet to receive a response from them. Since they have decided to stay silent for so long I have no choice but to take there silence as admission of guilt, and am holding AmerAssist liable for this debt of XXXX that can be payable by check tp the address attached to the invoice sent.
Product: Checking or savings account

I am looking for a new job as a software engineer. A company contacted me, I interviewed and they said I got the job. Then they sent me a check of {$3800.00} to spend on a XXXX and printer and other home office supplies. It turned out to be a scam and on XX/XX/XXXX my account was closed. I had a meeting yesterday XX/XX/XXXX with my BofA and they said my account was closed due to risk. I asked can I open a new one with them and they said I cant due to my social security is on file as risk. Please help me I dont know what to do. Ive been with BofA for 16 years. Im getting a job soon and I need a an account to do direct deposit please someone help me.
Product: Debt collection

CREDIT ACCEPTANCE CORPORATION is attempting to collect a debt without a contractual obligation binding I the consumer and CREDIT ACCEPTANCE CORPORATION. CREDIT ACCEPTANCE CORPORATION UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2019 without NOTICE or responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail. Pursuant to title 15 USC 1692f ( 1 ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. CREDIT ACCEPTANCE CORPORATION is attempting to collect a debt in the amount of {$470.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX and CREDIT ACCEPTANCE CORPORATION for them to lawfully reposes my automobile, therefor CREDIT ACCEPTANCE CORPORATION is in VIOLATION of 15 USC 1692f ( 1 ) -UNFAIR PRACTICES. I DEMAND CREDIT ACCEPTANCE CORPORATION CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION, respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendup promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, XXXX  continue to inaccurately report for several years.
Product: Credit reporting or other personal consumer reports

I am writing to address a distressing issue regarding my credit report that has had a significant impact on my mental health and well-being. I recently discovered an unauthorized item on my credit report, which has caused me immense stress and contributed to feelings of XXXX and XXXX XXXX XXXX. 

The unauthorized item in question resulted from the unauthorized use of my personal information, leading to its inclusion on my credit report without my consent. Despite my efforts to rectify this situation, including sending letters over 30 days ago, I have yet to receive a satisfactory response from your agency regarding sufficient validation of this account. 

It is imperative to understand that the presence of this unauthorized item on my credit report not only violates my rights but also exacerbates my mental health struggles. Furthermore, this account violates the Fair Debt Collection Practices Act ( FDCPA ), as it was reported without proper validation and authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed all of my student loans on my credit report because back in XXXX  my Dean assisted me with filing my Student Loan Forgiveness package. We completed the FORGIVENESS packages in which I signed and dated. This package was self stamped with nailing instruction in which was nailed back to the sender.

The problem I have been having is that the same student loans are still showing on my credit report even after disputing them with the credit reporting agencies/companies XXXX XXXX XXXX XXXX 
My end goal is to finally have all of these student loans removed from my credit report as promised by the Student Loan Forgiveness Act. 
Thank you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00} This complaint is my follow-up to notify you to verify the listed accounts
Product: Checking or savings account

This issue has been going on for so long. My money was stolen from my account from payfare company. They emailed me stating that my temporary card was added to and token wallet. I dont even use any of that. The card they said they would send me never arrived. I need my money back asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kickoff Lending LLC is reporting a closed and delinquent account, I have never had an account with them.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me, myself, and I. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 

XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Also please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated with Each Account XXXX. The Original Contract with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Debt collection

Phoned company diirectly; said there was no information that showed I owed anything. Several times had called collection agency who claimed they could not get credit card to work and wanted another credit card. A friend gave me her card to use, and they said they could not get that card to work and wanted another credit card. I believe since both cards had been used the same day at groceries and else where, they appeared to be selling credit card information.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, XXXX XXXX called to tell me that my friend XXXX XXXX XXXX XXXX XXXX died and that he needed me to sign some documents. 
On XX/XX/XXXX I met XXXX XXXX at the chase bank at XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. XXXX XXXX asked me to sign over the money that XXXX XXXX XXXX XXXX ) left me as beneficiary on his accounts claiming that was his directive in his will. The banker XXXX XXXX asked for my drivers license to give me the cashiers checks. XXXX then did not hand me the cashiers checks except for the top portion, Customer XXXX, of the checks. The total amount was over {$100000.00}. XXXX asked me to hold my identification and stand at a cashier window in front of XXXX XXXX. XXXX handed XXXX the checks. XXXX asked me if she should cash the checks and transfer them to the trust account. I shrugged my shoulders and said, I dont know. I dont know what this trust is. I then walked to XXXX XXXX and asked him if everything he was doing was honest and whether XXXX really wanted this money to go to this trust. XXXX XXXX said yes, XXXX said that as far as he knew this money was mine but there may be other legal documents that stated it should be given to this trust. I went back to the cashier, took my ID, and left. 
On XX/XX/XXXX, I asked XXXX XXXX to see XXXX 's will, he refused. I went to the same Chase branch and asked for my money. I was told that the money had been transferred to a trust. I asked for the name of the trust and who controlled it and they refused to say. I asked for a receipt of the cashier check that was made out to the trust and was told XXXX took it home. 
On XX/XX/XXXX, I went to the chase branch. XXXX and XXXX both verified that they had deposited my checks in error without my endorsement. XXXX identified me as you are the guy who shrugged your shoulders. XXXX said she would file a claim. I called the fraud department at XXXX and was told I could not file a claim because I did not own those accounts. 
After following up XXXX more times, I spoke to XXXX XXXX, XXXX XXXX on XX/XX/XXXX. She promised to contact me every day until this issue was resolved. On XX/XX/XXXX XXXX responded to my email with, I was planning on calling you later, but as discussed on XXXX, I have submitted the research and they will get back to me in XXXX business days. 
XXXX has since then not responded to my emails, phone calls, or in person visits. 
On XX/XX/XXXX XXXX from Chase Branch and Complaint Feedback called me and said she should be able to undo the transaction because the Cashier Checks were not endorsed. 
On XX/XX/XXXX XXXX called to say that they had no mechanism to undo the transaction because I do not have a checking account at Chase and because the Cashier Checks were used to make another set of Cashier Checks they did not have any mechanism for undoing the transaction or returning my money. I asked that Chase return my money since this was their mistake and I was told that I would have to go outside Chase to get my money.
Product: Credit reporting 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.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, 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 a 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 Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX  XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

XXXX XXXX XXXX reported balance to collection agency on XX/XX/XXXX. I received letter XX/XX/XXXX from On Line Information Services I called disputed the charges. They called me back with itemized list of charges, I contacted XXXX XXXX explained that why I cancelled my service and that their saleperson sold me a plan that wouldn't work with the previous antenna I purchased from them and that they scheduled a technician to come install and at that time the technician explained the error of the saleperson. The office manager I spoke with told me she would look into it and get back to me. I received no other communication from XXXX XXXX then on XX/XX/XXXX I received letter from XXXX that my dispute had been updated to report paid in full. Several months went by then Online Information Service contacted me again I didn't get the persons name but she spoke to her supervisor he advised I mail a copy of the XXXX  report to them and they would resolve the account. Today XX/XX/XXXX I receive a phone call from Online information service wanting me to make a payment over the phone for the outstanding balance. I explained the details of what has happened and the papers I sent and she stated I need to pay I refused. I told them I was reporting the company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting issues with the platform. Despite using zelle numerous time and reporting discrepancies, my financial institution and zelle failed to investigate my claims. They informed me that recovering lost funds was not possible and tracking these transactions was unfeasible. The CFPBs indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system.leaving users vulnerable to scams.the 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

The exact same XXXX/XXXX account on my Experian Credit Report is reporting twice. As I explained to Experian, these XXXX accounts are the same exact account. The second account was created when my credit card was stolen and XXXX/XXXX issued a new account number to prevent fraud. XXXX of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since Experian admits it cant verify it.
Lastly, my account shows that I was 30-days late when in fact that is not true.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find incorrect accounts listed. I have no clue how this happened. I always check my credit report regularly, but today there were discrepancies that werent there before. I even tried refreshing my browser, hoping it was a technical glitch, but nothing changed. These inaccuracies are still there, and Im begging you to go over the documents I provided carefully so I can stop feeling this constant fear.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX violated 809. Validation of debts ( a ) Notice of debt ; contents, 806. Harassment or abuse, and 807 and False or misleading representations. hat Hunt & Henriques did not act in good faith. Hunt & Henriques refuses to validate debt payments, that I have made on a monthly basis, by sending me a monthly statements of debt reduction and verification.I have not received any notification, validation of the current debt or proof of payment sent them to me from XXXX XXXX. 
I have written two letters requesting that Hunt & Henriques provide me an account on what has been paid. This debt collector is collecting a debt on the behalf of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX. used another debt collector vendor by the name of Legal Recovery Offices located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX in which went out of business as I was still making payments to them. XXXX XXXX XXXX only reduced this account by ( 3 ) payments giving me a credit, which they owe me an attentional Credit of ( 3 ) payments. I also spoke to XXXX XXXX ( Attorney and owner ) of Hunt & Henriques, informing him that I needed a monthly debt validation every month that I paid. This company has not sent me anything. I have contacted XXXX XXXX ( Attorney Owner ) by email, letter and phone calls.
Product: Debt collection

Portfolio Recovery Assoc LLC has the same account with different amounts. I have offered to settle with this company for a XXXX XXXX credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet Portfolio is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.
Product: Checking or savings account

There were XXXX XXXX XXXXXXXX savings accounts that I requested to be closed. I was told that the accounts would be closed over the phone and I will receive XXXX separate checks in the mail. This call was made in XX/XX/year>. I still have not received my XXXX checks.