23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

There is a inaccurate address popping up on my credit report
Product: Debt collection

merchants credit association representatives continue to harass me and my family even after i told them to stop harassing me and my family .calling others also filing lawsuit for medical bills due to car accident my attorney XXXX XXXX XXXX is handling.continue to threaten even when XXXX XXXX  ask them to stop .This harrasment need to stop immediately and lawsuit need to be vacated and deal with attorney that is handling itXXXX need to return the accounts back to original creditor .XXXX is not using merchants as collections agency.Merchants continue to use abusive tactics threaten and harass Washington residents .i have previously sued merchants while back they continue to use abusive way to collect money .Merchants need to stop this abusive practice or i will sue you.So many complaints and lawsuits for abusive practices why is merchants don't understand .calling people using unidentified numbers and different times .Merchants need to stop their illegal collection activity immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent dispute letters to XXXX, XXXX, and Equifax because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS FOR CONTY TAX BILL DATED XX/XX/XXXX. THE S.O.L EXPIRED ON XX/XX/XXXX. CEASE COMMUNICATIONS OR BE SUED IN CLASS ACTION.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX. XXXX XX/XX/year> Resurgent Capital Services General Disputes/Correspondence XXXX XXXX XXXX XXXX, XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I.D # : XXXX Original creditor I.D # : XXXX Subject : Dispute of Inaccurate Information Reported by LVNV Funding LLC To Whom It May Concern, I am writing to formally dispute the reporting of a debt by LVNV Funding LLC on my credit report XXXX This account was associated with a legal case filed by LVNV Funding LLC, which was voluntarily dismissed by their attorney, resulting in the cases closure by the court. The account continues to appear on my credit report, which I believe is inaccurate and does not reflect the true status of the debt. 

Details : Account Name : LVNV Funding LLC Reference ID : XXXX Original Creditor : XXXX Case Dismissed : XX/XX/year> As this case was dismissed and no judgment was entered, I request the removal of this account from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy, fairness, and substantiation of reported information. Please investigate this matter with LVNV Funding LLC and update or remove the record as appropriate. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe under FCRA guidelines. 

Sincerely, XXXX XXXX.
Product: Debt collection

The Bank is Commenity Back. I had several credit cards from different stores, owned by Commenity. In the beginning I paid my credit card bills on line well. One day as I went to pay all of my bills on the same day at the same time..when I logged in to Commenity Bank, they didnt recognize, my bank account number. they told me to contact my bank for the correct account number, but I knew that account number was correct, but I confirmed it with my bank anyway. So they called and wanted to give them my credit card number on file. I hesitated because if my bank account number isnt right, what can you do with my debit card information..after that I still tried to pay them by adding XXXX in the front, and back of my account number but that didnt work eitherI get ruffly 30 calls a day because I refuse to give them my debit card information.They dont have an area for debit cards, because you cant use a debit card to pay for a credit card bill
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card

JP Morgan Chase Bank , N.A . sent me an offer for a 0 % promotional balance transfer offer with two convenience checks for transferring the funds. I deposited one of the convenience checks to my account in the amount of {$15000.00} and used the proceeds to pay off a portion of other higher interest debt. A few days later, the check was returned marked " Frozen/Blocked Account '' and the funds were revoked, creating a negative balance in my account.
Product: Credit card or prepaid card

I have had issues over the last few months with my Citi XXXX XXXX credit card. I have made payments for more than the minimum due via my financial institution through Bill Pay, which are remitted to Citi Cards. In both instances, the payments were applied to the incorrect credit card account. I have chatted with Citi on multiple occasions to have the payments transferred from the incorrect to the correct account. It was completed after multiple contacts for the XXXX statements. For the XXXX statement, I requested that it be corrected, but it was not applied correctly again. In attempting to resolve it again with a representative, they denoted that there was not an issue. Attached is the chat record which I have kept for my interactions that denote applicable dates and my attempt to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate collection is reporting under my equifax credit reporting agency, this collection does not belong to me it is called as XXXX XXXX  XXXX # XXXX ) it was opened XX/XX/2013, this account is not mine. i have disputed this inaccuracy several times and equifax is giving me a hard time, please help me to resolve this problem, i will be attaching my police report and the FTC report received, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and unauthorized inquiries reflected in my credit report dated XX/XX/scrub> 2024. These errors are adversely affecting my financial standing, and I request your immediate attention to resolve these matters in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they is held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items sre verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BK OF AMER XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}, BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for Experian it's XX/XX/2021 and for XXXX XX/XX/2021 XXXX conclusin the reporting of Apple / XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to report a 90 day late on my credit file. This is incorrect. This account has been charged off on XX/XX/2019. This information is factually incorrect. This account was only verified for my name and account number. The accuracy of this account has been repeatedly ignored. 
The creditor refuses to give the credit reporting companies proof of the loan documents, dates of discharge, payment history, and correctly remove inaccurate updates to all credit agencies. 
I am forced to follow up with the cfpb, ftc, XXXX, transunion, and XXXX multiple times. This has resulted in countless hours of email, and phone conversations. I believe this creditor creates these obstacles to restrict consumers from a proper recourse to the negative filings. It has also restricted my credit from improving because it restricts credit reporting companies from issuing improving results. It is a vicious cycle that a person with relatively little knowledge can overcome.
Product: Credit card or prepaid card

I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random.
Product: Credit reporting or other personal consumer reports

Hard inquiries from XXXX  XXXX on XX/XX/year> Called XXXX to get it removed but they didnt help, I want these inquiries to be deleted on XXXX, Trans Union and XXXX I did not authorize these companies to run my credit report, under the USC 15 Section.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim {$2100.00} charge off. This is a formal notice that your claim is disputed. 
Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. 
Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN Last XXXX : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXXXXXX I have conducted the payment in the amount of XXXX USD from my account with XXXXXXXX to account of XXXX XXXX opened with XXXX XXXXXXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXXXXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX reporting apart of data breech ) XXXX XXXX apart of data breech ) XXXX XXXXe apart of data breech ) XXXX XXXX Data Breech XXXX XXXX XXXX XXXX XXXX XXXX data breech XXXX XXXX XXXX XXXX XXXX data breech XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these are apart of the recent data breech through all of the bureaus. 
I was confirmed to be apart of the breech, Please remove all of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXXXXXX Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I was recently charged late payment fees and interest for my account statement due in XXXX. 

I used to pay my Bank of America credit card using the eBill facility provided by XXXX. Unfortunately the way this was structured, it caused me to pay my bill twice sometimes XXXX like the XX/XX/XXXX bill ). So I removed the eBill from checking account but kept using the the auto pay functionality using the BofA website. 

In XXXX, there was no balance due so no bill was sent to me in mail nor was any payment deducted. 

In XXXX, I had a bill of {$3.00} which was due on XX/XX/XXXX. For some reason, BofA did not send me any bill in mail nor deduct the balance from my checking account. On XX/XX/XXXX I discovered this and spoke to someone from the bank. I made payments for the entirety my outstanding balance but the representative couldn't say if they will be able to revert the charges. 

It is evident from the screenshot that I am attaching with this complaint that the website doesn't allow me to make payments on my account and still thinks that I am enrolled in auto pay. However, as evident by late fees applied by BofA, they actually don't deduct the payment nor send me mails or allow me to make payments online.
Product: Debt collection

Subject : Dispute with Jefferson Capital System - Request to Cease Contact Dear Consumer Financial Protection Bureau, I am writing to dispute the collection account reported by Jefferson Capital System on my credit report, as indicated in their recent report dated XX/XX/year>. The account in question is for an amount of {$1100.00} and is currently marked as open with a derogatory status. The original creditor associated with this account is XXXX XXXX. 

I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that Jefferson Capital System cease all communication with me regarding this debt. I am formally requesting that they refrain from contacting me by phone, mail, or any other means in relation to this collection account. 

Furthermore, I dispute the accuracy and validity of the information reported by Jefferson Capital System and request a thorough investigation into this matter. I believe there may be errors or discrepancies associated with this collection account, and I am seeking resolution through the appropriate channels. 

I kindly ask the Consumer Financial Protection Bureau to intervene on my behalf and communicate with Jefferson Capital System to ensure compliance with my request to cease contact. I also request that the bureau investigate the accuracy of the reported collection account and take necessary actions to address any inaccuracies or violations of consumer rights. 

I appreciate your attention to this dispute and your assistance in resolving this matter. Please keep me informed of any actions taken and the outcomes of the investigation with Jefferson Capital System. 

Thank you for your support in protecting consumer rights and ensuring fair debt collection practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

ON XX/XX/XXXX ONE OF MY CUSTOMR GAVE ME A CHECK IN THE AMOUNT OF {$26000.00} I DID DEPOSIT THE CHECK AND WAITED TILL XX/XX/XXXX TO MAKE SURE THAT THE CHECK CLEARED, THEN ON XX/XX/XXXX BEFOR I DID GIVE THE GOODS TO THE CUSTOMER I DID CALL THE BANK TO MAKE SURE THAT THE CHECK CLEARED AND THEY ASSURE TO ME THAT THE CHECK 100 % CLEARED SO I GAVE THE CUSTOMER THE GOODS, BUT SURE ENOUGH I WAS LOOKING AT MY ACCOUNT AND I SAW THAT THE BANJ WITHDRAW THE TOTAL AMOUNT OF THE CHECK FROM MY ACCOUNT AND WHEN I CALLED THE BANK TO FIND OUT WHAT HAPPENED THEY TOLD ME THAT THE CUSTOMER PUT A STOP PAYMENT ON THE CHECK, BUT WHO CAN THE CUSTOMER STP PAYMENT ON THE CHECK AFTER XXXX BUSINESS DAYS AND I MADE SURE TO CALL THE BANK AND VERIFY THAT THE CHECK CLEARED, AND MY BANK CLAIMED THEY DIDNT KNOW ABOIUT IT, AND I WENT TO THE BRANCH 3 TIMES TRY TO FIND OUT BUT KEEP GETTING THE SAME ANSWER, THEN I TRY TO CALL THE CUSTOMER BUT HES NO WARE TO BE FOUND