23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Debt collection

I had a XXXX  visit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and have insurance that covered most of the bill. My visit was in the summer of XXXX. I received a bill for {$10.00} from them for the amount that wasn't covered. After a few weeks, I paid the {$10.00} I owed. I received no mail from XXXX XXXX afterward. The only correspondence I had was a voicemail they left for me to schedule a visit. Today, XX/XX/XXXX, I received a letter from Choice Recovery, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX dated for XX/XX/XXXX, stating the {$10.00} amount is in collections. I received no warning from the XXXX XXXX prior to this and have excellent credit. I would never have let a {$10.00} Bill go unpaid.
Product: Prepaid card

My wallet was stolen and I made a complaint and haven't heard anything back yet the theft was from a previous employee from the bank who knew my card was on the way and quit the bank before my card was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 10 INQUIRES ON MY TRANSUNION CREDIT THAT I KNOW NOTHING ABOUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

XXXX XXXX accounts {$130.00} and {$950.00} XXXX- XXXX account {$950.00} Experian- XXXX account {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days I notified the three credit bureaus on the inaccurate information that is being reported on my credit report. I have been trying to get this situation resolved but has had no success in doing so. It would be a great help if you would help me with the inaccurate information that I upload below. I have been verym stressed and a lot of anxiety and need this to be handled please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to provide false information and now is stating that Lexis Nexis does not report the XX/XX/XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XX/XX/XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until Lexis Nexis sends them a letter stating it needs to be removed.

XXXX representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing Lexis Nexis has removed the Bankruptcy from their records, The need a letter from

Lexis Nexis telling them to remove the Bankruptcy. I'm not sure what Lexis Nexis is reporting to them but XXXX is the only Credit reporting Agency
that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact XXXX I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court, when asked for documentation they have no documents, and the others are stating as per Lexis Nexis. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX I'm requesting CFPB investigate what XXXX is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against XXXX.
Product: Debt collection

This company has been attempting to Steal money from me since 2016. In 2016 I purchased a riding lawn mower and a leaf blower from XXXX. Both items were defective and therefore I immediately contacted the company, they stated that it was no longer their problem and to speak to my local dealer to " see what they can do ''. After months of going back and forth I decided to return both items, And I did. I submitted two CFPB claims during the situation in 2016 ( CLAIM NUMBERS : XXXX and XXXX ). Now XXXX years later this company is again trying to take money it is not owed by sending it to a collection agency. This collection account is false and can be considered fraud. I will not be paying as I returned the defective items they refused to exchange or repair for me.
Product: Debt collection

called Pro Collect .com back after several voicemails to my mobile phone. I was told that I owe money and to go to their website to pay the amount or file a dispute. The apartment complex that they are saying I owe money to is fake. I do not owe them any money it is a scam.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK-COLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Mortgage

This is a situation that was never resolve in my first complaint I had filed in XXXX XXXX. I did not realize that Green tree had filed theirs ' answer to my complaint at that time, until I received a new pass word to my old account number. The thing is Green tree did not stated the truth in their answer in XXXX. When they stated that I did not notify them to cancel a {$6000.00} policy that they had purchase from XXXX until XX/XX/XXXX that was not true. I had gave them a notice on XX/XX/XXXX it is when I gave them notice to pay XXXX who was going to be my new insurance provider for my home and they had received the information on XXXX XXXX from my insurance agent. The reason why I'm stating this because they had 15 days to cancel XXXX policy or not renew that policy, but they did on XX/XX/XXXX as they claim anyway. I was sent that {$6000.00} by XXXX instead of Green tree ending that policy, under regulation CFR 1024.37 ( g ) ( 1 ) Green tree should have cancel that policy and place those funds back into my escrow account. Now they should return all the over collected escrow funds they had already collected which is about {$4300.00} or come to some type of resolution to this problem. They had place my name into the credit report agency for not paying my mortgage which is not true, because I've been paying {$1400.00} each month since XXXX XXXX which is more then what I should pay that is {$1400.00}. I had submitted some new document into records with CFPB on XXXX XXXX under my old account number XXXX, for CFPB to look over in this matter. Ditech had been trying to get me to make a payment on what they was claiming, but under CFR 1024.17 ( f ) ( ii ) if I would had paid on their claim, I will be agreeing to their claim, that I had not made my mortgage payments and it would have given them the rights to keep those over collected escrow funds under that regulation. There must be a resolution to this situation at hand and not for it to stay as is with out a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed several account disputes with XXXX, XXXX, and Aidvantage related to an incorrect account reporting on my XXXX and XXXX credit file. 

XXXX and XXXX is stating they have verified the information and no changing can be made, which is totally false. 

Aidvantage is stating they do not even show this account that is reporting. 

XXXX shows the account from Dept Of ED/XXXX , acct # XXXX as open on XX/XX/XXXX with a balance of {$2300.00} but a orginal balance of {$2000.00} I had all of my student loans consolidated with Aidvantage XX/XX/XXXX for the following loans account numbers and amounts for a grand total of {$9000.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$1100.00} It appears loan # XX/XX/XXXX did not update or reflect to show such as it is still showing open and late on my credit reports and XXXX and Aidvantage refuses to do their job to correct this.
Product: Money transfer, virtual currency, or money service

Greetings, I sold an amount of Litecoin on XXXX XXXX at XXXX on the XXXX / XXXX XXXX. I then immediately initiated a wire transfer back to my XXXX XXXX bank account in the amount of {$10000.00}. 

The date today is XXXX XXXX. I still have not received my funds! 

I opened a case with Coinbase on XXXX XXXX, I 've direct messaged Coinbase support on Twitter, and I 've called their support line, but have received no response at all. 

The transfer shows as complete in my account history, however XXXX XXXX has no record of an incoming transfer to my account. [ and my account info for the transfer is correct ] Its been 9 business days, its starting to look like Coinbase stole my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX through TransUnion and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and TransUnionk keeps allowing them to do this.
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. 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 a account without 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

Addresses are wrong on file. A XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX is wrong
Product: Credit reporting

I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.
Product: Credit card or prepaid card

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating that they do not accept any other forms of payments besides Federal Reserve Notes, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.
Product: Debt collection

This debt collector, Central Portfolio Control has been trying to collect a debt for my daughter that is not owed. The date of service was an XXXX XXXX  visit in which we were never seen or evaluated by a medical professional. When we checked into the XXXX  we gave the hospital our insurance information and that covered any charges anyway since we had met our full deductable. We had to leave the emergency room after XXXX hours because my daughter needed XXXX  and we had not been seen yet.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with XXXX XXXX XXXX and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX 2023 Fully Loaded.
Product: Payday loan, title loan, personal loan, or advance loan

I received a title loan some time ago from TitleMax. I had payment arrangements to make the last ; payment on XXXX or XX/XX/XXXX. When I called to make the payment the collection department informed me that I could not make the payment and that I needed to contact the store. They said that the account was saying {$0.00} balance and settled. 
Customer service is stating that the account has been sold and that I needed to contact all three of the companies that they provide their collection accounts too. I have contacted these companies several times and they all say that they do not have the account. Titlemax then instructed me to contact the credit reporting agencies. I did that and none of them see the account as well. 
Titlemax has a lien on my title but they will not instruct me on how or who to pay this debt too and they will not take the payment. I have been trying to resolve this matter for months.
Product: Debt collection

I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/XXXX I received an alert from a credit monitoring app that informed me that a collection from XXXX XXXX XXXX on behalf of XXXX XXXX, in the amount of {$500.00}, was added to my Transunion credit report. I immediately submitted a dispute regarding that collection that had been added to Transunion credit report. My dispute to Transunion was based on the fact that I had filed bankruptcy chapter XXXX and was discharged on XX/XX/XXXX. In that bankruptcy, XXXX XXXX was included and I legally do not owe them any money or have any debts with them. Today, XX/XX/XXXX, I contacted Transunion by phone to get the status of that dispute, as 30 days had already passed. I spoke with " XXXX '', a supervisor in the specialized fraud department regarding the status of this dispute, who informed me initially, that the company still had until XX/XX/XXXX to complete their investigation and that 30 days had not passed. I immediately corrected him and informed him that 30 days had already passed and that he was mistaken. He then looked into a " different file '' and found the dispute that I was referring to and proceeded to tell me that the company, XXXX XXXX XXXX, had verified the information as accurate. I responded that how could Transunion have verified that information because if they had, they would know without a doubt, that the initial debt to XXXX XXXX was included and discharged within my chapter XXXX bankruptcy last year. XXXX responds that Transunion did not do the investigation themselves, that they sent information to XXXX XXXX XXXX who investigated it and came back that the information was verified. I then immediately questioned how could they allow a company that I have a dispute with, to investigate themselves? XXXX responded that " that's how the process works ''. He then asks if I had contacted XXXX XXXX XXXX myself and I responded that I had. He then he goes on to say, " well, maybe you should contact them again because we are just a credit reporting agency ''. I then respond that they are a credit bureau who are allowing a collection agency to put fradulent, inaccurate information on my credit report in violation of my rights, particularly under federal bankruptcy laws. I also said that it makes no sense that Transunion would allow a company that I have a dispute with, to investigate and verify incorrect information about themselves. I said that on Transunion 's website, it clearly states 'Transunion XXXX would conduct an investigation into inaccurate / fraudulent information, not that they would send the concerns to the collection agency in question and allow them to investigate themselves. I told him that I would be making a complaint to Consumer Finance Agency, he replied, " okay '' and we ended the call.