23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to stop communicating with me. They continue to call me and send me written communications. Portfolio Recovery services is not licensed to collect debts in New York state. Further more per New York State law the statute of limitations of debt collection in New York is three years. Per information reported by Portfolio to XXXX and other credit reporting agencies the alleged debt was opened XXXX and is over XXXX XXXX XXXX therefore can not be collected per New York State law. I requested account be removed via XXXX XXXX complaint and Portfolio Recovery services is still illegally reporting and actively trying to collect a collection account on my credit and contacting after I have requested not to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case Home Depot XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. 
Also I think the account is more than XXXX XXXX XXXX? 
My credit report does not show any type of debt of the account in question? this is why I'm asking for you assistance to resolve this matter.
Product: Checking or savings account

On XX/XX/2020. I went online to the XXXX XXXX XXXX. As advertised, I ordered a blue and red XXXX XXXX for my grandson that his XXXX birthday was coming up. The price of the XXXX XXXX was {$240.00} plus I paid {$15.00} extra to expedite the shipping ( 5-8 days ) since my grandsons bIrthday was in 12 days. 3 days later, XX/XX/2020 my son tells me that I should call JPMorgan Chase ( my bank ) and cancel the transaction since that store is a scam. I call JPMorgan Chase immediately and explained the situation. The money was put back into my account. On XX/XX/2020, 31 days later, I received a Small package from XXXX. When I opened it it was a Mobile game handle. NOT A XXXX XXXX. I still have it. A month later XX/XX/2020 while looking at my bank statement I notice that JPMorgan Chase reversed the claim. I was never notified about any further actions to be taken about this matter. I called the Chase dispute department and explain to them what I had received. They told me to send all the proofs by fax. On XX/XX/2020 I send 2 pictures, 1 of the picture shows what I received and the 2nd picture shows what a XXXX XXXX is. Also pages showing the emails from XXXX XXXX company. On XXXX XXXX I received a letter stating that the transaction was authorized n that my claim was closed. They cited on behalf of the company. They also told me that they called the company and the company said they did send the XXXX XXXX. Obviously the person that did the research doesnt know the difference between a XXXX XXXX and a Mobile game handle, which was what I received. I am disgusted as to how unfair I was treated by the Bank. They did not look at my evidence. If that wouldve been the case, they wouldve cited on my behalf. I did try to reach out to the company ( XXXX XXXX XXXX but the emails were send back to me. If they do a research about that company theyll see its a scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a mass data breach and my social security number was impacted along with XXXX XXXX XXXX XXXX and victims. I am invoking XXXX XXXX XXXX for my social security number being stolen and hacked for unusual purposes that prevented me from getting a home loan on XX/XX/2024. Ive been trying to get paperwork from the companies below to state my innocence but to no avail. Listed below are the private information exposed and used against me. Hence me invoking my right on XXXX XXXX XXXX. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX  XXXX XXXX XX/XX/2024 Amount : {$97.00} Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XX/XX/2024 Amount : {$230.00} XXXX Department of Education XXXX XXXX XXXX : XX/XX/2024 Amount : {$32000.00}
Product: Checking or savings account

THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} NOW.
Product: Debt collection

XXXX sold this debt to Jefferson capital that they knew was apart of identity theft. They ask me to send police report and identity affidavit which I did after receiving my documents they filed bankruptcy. Without removing this debt, now Jefferson capital are sending me mail about this same identity theft account.
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 using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB ; S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, and Experian. I HAVE INSURANCE ON MY JOB OF 4 YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/2024 I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.
Product: Debt collection

I received an alert from XXXX Credit Bureau of a collections charge. When I looked at my credit report, I saw that I.C. Systems put me down for 30 days late on collection for {$540.00}. I had not been contacted by IC Systems before this in any form. I sent IC a letter stating that I wanted information on the collections : 1. original contract with signature 2payment history of account 3. I need proof of ownership, and I gave them 30 days to comply. IC Systems sent me a disconnect summary dated XXXX XXXX, XXXX, from XXXX. I moved out of the rental house on XX/XX/XXXX, and XXXX XXXX XXXX had the home rented in XXXX. I called XXXX and canceled my services on XX/XX/XXXX, and Customer Service told me my account was good until XXXX XXXX, which was my billing date. Customer Service then informed me that I must turn my equipment in no later than XX/XX/XXXX and told me to take it to the XXXX XXXX location and make sure I got a receipt for my equipment. I turned my equipment in on the XXXX and had to wait over an hour and a half to get the receipt. I thought this was settled. Then, out of nowhere, this collection agency listed me under collections with the Credit Bureaus without contacting me in any form before filing. When I received the letter back from IC with a Disconnect Notice, I called IC System and talked to someone who would not tell me if they were XXXX  or a third party, and when I explained to her that I do not owe this debt, then she put me on hold and never came back to the call. First, I dont owe this debt, because I was paid up and turned my equipment in on time. Second, I take my credit very seriously and dont appreciate a collection agency just putting negative collections on my credit without contacting me first.
Product: Credit card or prepaid card

I opened a Wells Fargo Platinum credit card with an initial credit line of {$7500.00}. 
I made charges of {$7500.00}. 
I set up through Wells Fargo 's mobile app a linked checking account from XXXX XXXX XXXX. 
I got my bill, and set payment of {$1500.00}. My XXXX checking account was debited {$1500.00}. 
A couple of days later I went to use the card, and was told I was at my credit limit. 
I called Wells Fargo, they said they were holding the funds before crediting the account. They held the funds for over a week before crediting the account, even though on my Wells app it showed I had {$1500.00} of credit capacity. The Wells rep stated if I had a Wells Fargo checking account the credit would have occurred immediately after the ACH hit. But since I was not with Wells, the funds from the ACH were being held, and not credited. 
The representative was strongly suggesting I now open a Wells account so I would not be penalized with having my funds held. 
I told them, no, thank you, I have never heard of this sort of practice and I would pay off the account and close it. 
I went to the app to pay off the remaining {$6500.00}. I entered the amount, selected my XXXX checking account as the funding source. The app told me they could not process the transaction. 
I called Wells, and was told they will only process {$5000.00} in payments, and I could not pay off the account from the Wells Fargo app. 
I asked if they could do it over the phone, and they said this one time they would do it. 
I closed the account. 
Not allowing someone to pay off a balance, unheard of, and think of what it could lead to : Increased interest, as it is calculated daily, increased fees, if you are not allowed to pay your balance off, etc. etc. Wells Fargo has been a bad actor for some time, and they are back at it and this time, given what just happened, the penalties need to be far more serious. They have not learned from the errors of their ways, and should be severely punished.
Product: Credit reporting or other personal consumer reports

I found out this morning that there are unauthorized inquiries on my credit report, and Im at a loss as to why this is happening. I check my report often, but this time, something is seriously wrong. I refreshed my browser thinking it might be a mistake, but the inquiries didnt disappear. This is beyond frustrating, and I need the documents I sent to be reviewed urgently to resolve this once and for all.
Product: Credit card

I opened an account some months back with XXXX XXXX XXXX. Their service was nearly flawless, and is not the subject of the complaint. 
On XX/XX/23, I received notice that XXXX XXXX was selling their accounts to Comenity XXXX XXXX. I was told that I would receive my new account # in the mail, and everything would switch over. I never received a new account number, except for a masked number that only showed the last XXXX digits. XXXX does not allow me to log on to their site to pay, view, or manage the account without having the full account number during registration. Comenity states in their messagine that they sent me my account number XX/XX/23. I have received nothing, and my XXXX XXXX XXXX has shown no missing letters that may have been sent by XXXX. 
I tried to log on to XXXX 's site to pay the bill XX/XX/23, and was rejected because I do not have the account number available. I then contacted the company by phone, and they said that they never sent an account number out. They stated that there were " Account technical problems '' that they needed me to contact them to fix. They now promise that this time they will send my account number, but state it will be XXXX weeks to receive it. In the meantime, I still can not access my account, and the bills are due. I do not believe that they have any intention of sending me my own account information, and are hoping that I will forget about them so that they may charge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset at Portfolio Recovery and the credit bureaus. Not sure why they are not removing the errors on my report after 4 disputes. I dont know a lot about credit repair, I had my attorney review letters I sent and the letters they responded with. He told me that according to the FCRA, they need to tell me how they verified the accounts and according to 15 U.S. Code 1681i they are in violation. We compared balances they sent and what is reporting on my credit file and they're also in violation of FDCPA 15 USC 1692f. I know this has happened to a few friends as well they harass, they call at all hours of the day. At this point I do not care to receive validation of debt as requested before I just want them to cease all communication with me and delete the accounts. If you would like a copy of my report with proof of inaccuracies I can provide that. I have copies of dispute letters and reports for the past 8 months. I will be calling a CFPB representative to discuss what other actions can be taken, if accounts are not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continues to report negative information status on this account. I have disputed this account with Transunion, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
Product: Credit card

my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.
Product: Payday loan, title loan, or personal loan

I applied for a loan a few weeks ago and was pre-approved, talk to the agent about doing The bank verification.. she said she couldn't help me and just wait for someone to email me ... After speaking to her all of a sudden I was denied without an explanation... I think they are discriminating based on XXXX... I have emailed them several times for denial reasons with no responses. And the one time they did respond they said we can't find your account. They need to do an investigation into this company.
Product: Credit card

I am paying XXXX XXXX  interest on this card and they keep on raising my limit ( without my permission ) in order to cover the additional finance charges. My debt is a bit over $ XXXX and I pay over $ XXXXmonth in order to try and pay off this card. I have been a good customer for many years and so I thought that I would surely qualify for a rate reduction. I called and asked and was told that their current policy is to not grant rate reductions. I asked where I could appeal this decision and was told that their current policy is to not allow appeals. 

I dont understand how a company can not allow an appeal to a decision make by somebody who works in a call center. Further, I can not continue to pay over $ XXXXmonth for very much longer. Im on a fixed income and with prices going up and my social security actually decreasing ( because of the increase in XXXX premiums ) Im terribly afraid that this card is going to max out soon based solely on the interest and I dont want to default. 

My question is, under the current laws, do I really have no recourse to appeal this decision?
Product: Checking or savings account

This is a fraudulent account that I'm trying to close. In the mail, I received a card from NETSPEND with a routing number, accounting number and bank name ( XXXX XXXX ). I did not apply for this account. The account was opened by an unknown person using my personal information without my consent. This is a fraudulent account. I called Netspend several times and also emailed, but there were no options to speak with a person or to report the fraud. I am continuing to make efforts to close this account.

I have reported the fraudulent account to identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed access to someone other than myself to apply for a lease for an apartment using my name and credit report. Transunion allowed 3 fake " previous addresses '' on my report. I typically check my reports monthly if not weekly. A couple weeks prior to applying for a car loan ( XXXX XXXX  ) I had noticed strange unfamiliar addresses on my credit summary and didn't think much about it. Disputed them and they were removed. However, a couple days before applying for the car loan ( XX/XX/ ) I noticed to my surprise a collections agency XXXX XXXX XXXX on my credit report stating I owed over {$10000.00} to an apartment complex in a state I've never even lived in nor have ever visited. My account with Transunion ( as well as 2 other credit bureau 's XXXX and XXXX ) are always frozen. This was all due to Transunion allowing someone other than me, get into my credit report file, allow the criminal to apply fake addresses so the creditors the criminal was talking with would look and see all was in good standing shape for the criminal to use my good credit to apply for an apartment. 
This in return not only interfered with getting the car loan for myself. But also gave my a huge situation problem to have to try and get fixed. In fact I had to have my XXXX yr old mother co-sign on the car loan. Although my credit has always been in the excellent range. 
I have had to have the police come to my house, write a police report to send to this collections agency. As well as call and speak to yet another police sergeant ( in the other state where this criminal activity took place and file a police report there and send that report to the XXXX XXXX XXXX collections agency. As well as spend hours upon hours trying to get this cleared up. 
Noted : police sergeant in the state that this criminal activity took place stated that when he spoke with the mgt that originally filed with the collections agency for their due money, remembered my name, stated a XXXX female late XXXX 's was able to get the apartment however when the apartment complex mgt went to this unknown XXXX woman in her late XXXX 's apartment they found out that she wasn't even the woman living in this apartment complex. It was instead a younger XXXX female with a young XXXX male and XXXX children. Vacated the apartment once they knew mgt was asking questions. They racked up over {$10000.00} in unpaid rent in my name. I believe all due to Transunion allowing this criminal woman to get into my account in the first place?
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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  : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.