23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue. 
I am XXXX years old. I should not have to deal with this fraud. 
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw inaccurate accounts appear on my credit report out of nowhere. I have no idea how this even happened. I check my credit report regularly, but today there were discrepancies that I never expected. I even refreshed my browser hoping it was just a glitch, but it wasnt. The inaccurate accounts stayed there, and nothing changed. This situation is so unsettling, and I really need the documents Ive sent to be reviewed thoroughly so I can finally stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday,  XXXX   XXXX , I received a letter from   XXXX    XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from Experian about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list   XXXX   so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

In the month of XX/XX/XXXX, I made a payment for XXXX prior to my statement balance date ending on XX/XX/XXXX. Prior to making a payment, I owed {$380.00}. I paid XXXX month, XXXX before my statement balance ended. After I paid, on the following day, XX/XX/XXXX, I was told that I was XXXX dollars short of my payment and I will be reported to the credit bureau in 2 days and I was. After all of the years of being a longtime XXXX  XXXX customer for XXXX  years, making XXXX late payment in XXXX and XX/XX/XXXX due to an illness and job reduction, I was recently reported late XXXX days late to all XXXX credit bureaus. This is very disappointing, and disgraceful. My husband and I are currently pending for another mortgage loan and due to this late payment, I can no longer qualify. This is a big loss for me and my family and I would like for my report to be updated and/or reimbursed for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, TransUnion, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, TransUnion and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Product: Consumer Loan

In short, I paid off my car over a year ago and RBS Citizens has not submitted the paper work to the state to release the lien on my car. I go for a copy of my title and the State is telling me that there is a lien on my vehicle. I call RBS Citizens and they tell me that I have to pay to have a copy of the lien release letter sent to the state. They also claim that they sent the release letter to the state and they have n't sent it. Neither have they sent me a copy of my title.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Dear sir or madam, I applied for an American Express credit card and was approved XX/XX/2018. The promotion was was that I receive XXXX XXXX XXXX points after spending {$3000.00} in the first three months. Also, one free weekend stay after one year. I did not receive the card until XX/XX/2018.I had contacted AMEX by phone and online to tell them that I had not received the card. I could not register it on line because I did not have it. In my last call to AMEX on the subject of the missing card, the very nice young lady understood and send my card next day mail. I am being denied my bonus points because AMEX says that I did not spend the {$3000.00} in three months. They are using ( the fine print apparently says they can ) XX/XX/XXXX as my starting date. I surpassed the {$3000.00} before XX/XX/2018.I do not think that it is fair business practice to start my timeline when I had No Card. 
I have made multiple contacts with AMEX # XXXX. Initially, I was told there was no offer. Then it was a different offer. Then it would take 6 to 8 weeks to find out what had happened. Then a couple of days ago, I received a message on my account that I did not meet the qualifier.I called in to explain that I did not have the card until XX/XX/XXXX. All of these interactions are a matter of record. Those dates are not in dispute. AMEX admits that I did not have the card until XX/XX/XXXX.They don't care. How is this fair business practice? It smacks of bait and switch. Switch from something to nothing. Thank you for your help. XXXX XXXX
Product: Consumer Loan

I have a leased car from KIA motors. In my contract it states I am liable for toll fines. Apparently I had a toll fine in the state of MA. I was unaware of the fine and would have protested it. MA billed the fine directly to KIA. The fine was {$50.00}. KIA paid the fine late and was assessed a late fee of {$40.00} for a total of {$90.00}. KIA paid the fine without my knowledge. KIA then sent me a copy of the fine from the state of MA and a bill for {$50.00}. KIA did n't try and charge me the late fee. I tried to protest but was told by the state of MA I could n't because the fine was already paid. Frustrated I paid the {$50.00}. This month I got my normal lease bill in the mail and it included tax on the fine. I called KIA and questioned the tax. KIA told me the contract allows them to charge me tax. I questioned how they can charge me tax on a state fine when there is no tax on the fine. I want this reversed. I told them I am not paying the tax. This should be illegal. I am concerned this will hit my credit report.
Product: Credit card or prepaid card

I received 2Prepaid gift cards that were XXXX  debit cards And registered them through XXXX XXXX XXXX. When checking my balance I realized that the cards had unauthorized purchases. I checked because when I tried to use the cards they were being rejected I tried to call unsuccessfully XXXX XXXX XXXX and it was put on hold for more than 30-40 minutes there is no other way for me to contact the company. If you need any other information let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

When receiving a letter from XXXX XXXX XXXX about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name XXXX XXXX nothing from the original like I had requested and is my right under federal law. 

I also sent a letter to Experian and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. 

If you need all documentation that I have sent and received. Please let me know. I can scan and email them over to you. 

I sent a response to both companies today XX/XX/2020
Product: Credit reporting or other personal consumer reports

Step XXXX : Send a Strong Dispute Letter to the Credit Bureaus Send this via certified mail with return receipt to force a response within 30 days. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL FRAUDULENT COLLECTION ACCOUNT To Whom It May Concern, I am formally disputing a fraudulent collection account that has been placed on my credit report without my consent. This account is in violation of federal consumer protection laws, and I demand its immediate removal.

Account Details : Collection Agency : XXXX XXXX XXXX. 
Amount : {$1200.00} Original Creditor : XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This debt is not mine, and under the Fair Credit Reporting Act ( FCRA ) 604, the furnisher must have permissible purpose to report any debt on my credit report. Since this debt is fraudulent and unauthorized, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809, I am requesting : 1. Full validation of the debt, including a signed contract proving I authorized this account.

2. Proof that XXXX XXXX XXXX has legal authority to collect this alleged debt. 
3. Immediate deletion of this entry if validation can not be provided.

I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this fraudulent account is not removed within 30 days, I will pursue legal action for : Willful violation of the FCRA and FDCPA Defamation of character through false credit reporting Emotional and financial damages Attached are the following supporting documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my identity A copy of my credit report with the fraudulent account highlighted I demand written confirmation that this fraudulent account has been deleted within 30 days. If not, I will take further action, including legal proceedings. 

This is my final notice before escalation. 

Sincerely, XXXX XXXX
Product: Debt collection

This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g et seq. I am requesting that you provide valid verification of the alleged debt you claim I owe. This is not a refusal to pay, but a request for validation of the alleged debt.

Under the FDCPA, you are required to provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, and principal.

3. A copy of the original signed agreement or contract bearing my signature.

4. Proof that you are authorized to collect this debt in my state.

Until this information is provided, you are hereby instructed to cease and desist from all forms of communication with me regarding this matter, including but not limited to phone calls, letters, emails, or reporting to credit bureaus. If you continue to contact me without validating the debt, you will be in violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

You have 30 days from the receipt of this letter to provide all required documentation. Failure to do so will be construed as your confirmation that no such debt exists, and any further collection activity must cease immediately. 

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I was informed of a data breach involving XXXX XXXX XXXX XXXX XXXX ), a data broker specializing in background checks. This breach exposed approximately XXXX XXXX records, including Social Security numbers, names, addresses, and dates of birth. I am concerned because this breach may have compromised my personal information. As a result, I have taken steps to monitor my credit and secure my financial accounts, but I remain at risk of identity theft or fraud. I would like the CFPB to ensure that affected individuals are provided proper support, including identity protection services, and that the responsible organization is held accountable for safeguarding sensitive data.
Product: Mortgage

To Whom It May Concern Ever since Chase Bank took over this loan. Chase been tried so hurt to still the property from. I got this loan in XXXX, the loan is adjustable, after 10 years the loan was suppose to turn in to fix rate. But Chase Bank always refused. cording this loan only interest suppose to be lower them fix. Chase Bank is been increase the rate three times per year with out notify me. 
my payment back on XXXX Was {$1000.00}. But I always pay {$1400.00} every single, for the month, on XXXX I ' only paid {$1000.00} for the first time, my payment is due on the XXXX of each Month with the grace period of 15 day ; s. I made my payment on XX/XX/XXXX what ever was on the statement, since XX/XX/XXXX the Bank was ask me to paid {$2400.00} I pay {$1400.00}. XXXX thy ask for {$2300.00} XXXX {$1900.00}. XX/XX/XXXX {$1800.00} XX/XX/XXXX another {$2400.00} XX/XX/XXXX {$1800.00} those people they don't know what they are doing. I need Chase Bank to Refund a late charge of {$62.00} and removed from the credit beoru for the Month of XX/XX/XXXX. On XX/XX/XXXX I paid  {$1400.00} and I ' Paid {$65000.00} for the principal plust {$1400.00} My loan was in the amount {$210000.00} after I paid the large amount know, know the loan {$140000.00} know they want me to pay {$1300.00}. but is wrong My new payment it should be around {$830.00} be last that amount. please I realy need some help with those crook they always want to still my property however they. 

Thank you so much They information is Chase Bank Loan Number # XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My email is XXXX My phone is XXXX
Product: Credit card

I called Bank of America fraud department to question their denial of my fraud claim. The first representative says they are transferring me to the correct department but I end up back where I started, having to input my info and explain myself to a new representative. It has happened four times today.

On top of that, their claim denial looks like a form letter. They are denying it for reasons that I am not disputing. 
Bottom line is that I am getting the run around.
Product: Credit reporting or other personal consumer reports

To remove fraud accounts off my report completely dont just close the account remove it XXXX XXXX XXXX ( {$530.00} ) Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX Everything else XXXX dollars but with late payments LOQBOX FINANCE US LLC Closed XXXX XX/XX/XXXX Its hurting my credit score badly Transition XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score. 

Account # :
Product: Student loan

XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit card or prepaid card

Hi, I've tried several times over the past few weeks to log into my account on both the Bank of America website and mobile app. My user name and password were correctly entered. Without fail, I receive the following error and am unable to log in : " Online Banking is not available to you at this time. Please call us at XXXX. '' I put off calling over this time because I work 60 hours a week and I expect long call times with them, as that's what I've experienced in the past. I'm calling today, Saturday XX/XX/2018. The automated recording apologizes for the " longer than usual wait times '' and thanks me for waiting, but it's currently been one hour and ten minutes and counting that I've been waiting. It seems BOA may be making it extremely difficult for me to log onto my account to pay my bill to force me into a late payment, which results in fees for them.

Unreal.
Product: Debt collection

I sent 2 certified letters that were never picked up intentionally because they can not provide information that I asked for so this company feels that if they dont touch or accept certified mail their problems will go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; Medical XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}
Product: Vehicle loan or lease

Amount {$500.00} I make payment on XX/XX/2018 2018