23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$200.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Product: Debt collection

On XX/XX/year> I reported to Federal Trade Commission report and Police Report that I am a victim of Identity Theft from XXXX XXXX ( Lender ). Now, I learned XXXX the second time that Radius Global Solution Collection via T-Mobile that I have standing balance of {$3100.00}. I learned that my personal information was used to open a credit card under XXXX XXXX XXXX  and XXXX. I did not open or authorize these accounts. I therefore request that it be clear my identity and place fraud alerts. Looking forward to hearing from you. pls contact me via email at XXXX. Thank you
Product: Debt collection

COMPANY HAS NOT PROVIDED PROOF OF DEBT. THIS DEBT IS NOT VALID.
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts are unverified MUST be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

This inquiry was not authorized by me and was conducted by that creditor without my consent. It is imperative that you remove it without delay.
Product: Vehicle loan or lease

The Company is aware that there is in fact information that is incorrectly stated and omitted. No Correspondence of any kind was received dated XX/XX/2021, and no proof of such correction was provided as evidence has been provided. In addition, no corrections or contract is valid with such errors without endorsement by both parties. Therefore, this contract is null and void. The documents related to this purchase did not fully and clearly disclose the required information. The Agreement contains unclear terms and have omitted terms which have confuse me and my rights as a consumer under TILA have been violated. 

Civil remedies for violations of TILA include an amount twice the amount of finance charges, plus attorney 's fees. Creditors can not avoid liability for an error as they failed to notify and correct the error within 60 days of discovery.
Product: Money transfer, virtual currency, or money service

i first learned about cryptocurrency investing in XXXX of 2021. XXXX said that Coinbase was the most legit place to invest. i XXXX the company and called the number. the man i spoke to had a heavy XXXX accent, i could almost not understand him, he set up the accounts and apps and my bank wired XXXX $ to purchase mostly ethereum. i can only find XXXX $ of my money in the accounts he set up. i called coinbase to complain and they can see the transaction of my money coming in and then maybe a day later sent out to the scammer. coinbase claims they have no idea how to identify this person and i find that highly unbelevible.
Product: Debt collection

The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.
Product: Credit reporting or other personal consumer reports

Several investigations have took place, even a civil suit with a settlement offer from an unauthorized person sent from trans union... I would like this account blocked pursuant to 15 USC 1681C2. Transunion is already in receipt of all necessary documents according to FCRA. However their human investigation has not fixed the XXXX XXXX XXXX XXXX ACCOUNT. AMOUNT XXXX. TRANSUNION DOES NOT HAVE AUTHORITY TO COMMUNICATE WITH OT TO THE CONSUMER REGARDING ANY DEBT. NOT ONLY THAT but they refuse to supply documentation given and required by FCRA to include in disputes to which has been submitted to transonic on multiple occasions. Transunion has sent me an affidavit of identity theft has been submitted and sent to the company as of XXXX XXXX as to which I hope resolves this matter. 

The is listed as a charge off, The IRS listed charged offs as income, and income never gets reported to credit bureaus .... I too have filed a 1099-C to the creditor and IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that XXXX and Equifax accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs XXXX, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Product: Credit card

Citi reversed a conditional credit on my XXXX credit card bill, which is due XX/XX/year>, indicating that I am accountable for the {$350.00} charge from XX/XX/year>. On XX/XX/year>, I contacted and spoke with a representative, explaining that a vendor was making unauthorized payments to my card. They closed my account and issued me a new card on XX/XX/XXXX, but the vendor was able to continue charging my card since Citi failed to turn off the digital element of the card. They apologized and said the system generally closes the card 's digital part, but something went wrong. They apologized and stated that they would reach out to the vendor for the unautorized charge. Since then, I've gone back and forth with Citi. They insist there is nothing they can do. My issue is that I contacted them as soon as I learned the company was billing my card unlawfully. I'm just not sure why I'm accountable. If Citi had shut down the digital side when they closed my account on XX/XX/XXXX, the {$350.00} card on XX/XX/XXXX would not have been processed. I've never received any items from the company, and their website is no longer operational.
Product: Checking or savings account

On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.
Product: Money transfer, virtual currency, or money service

XXXX Unauthorized Transaction. 

I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction. 

M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.
Product: Debt collection

Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways
Product: Mortgage

My monthly mortgage payment for Select Portfolio Servicing ( SPS ) went from {$2600.00} to {$2900.00} on my XX/XX/XXXX statement. I was never told of this increase nor why it was happening. It is illegal for them to do that and I want them fined and my statements corrected. 

They should not be allowed to keep this increase in place and should be backdated to XX/XX/XXXX so I can continue to make my old payment amount until I catch up! 

Now, I am not a dummy. My guess is my escrow account was recalculated. I get that but they never notified me. It was a hardship for me to make the payment, never having been notified. 

Now, these bozos might argue that they put it in the previous month 's statement ( they did not ) so it was not conspicuous at the least. 

I have sent several emails to them and mailed a letter to them. Here is the unforgivable part : THEY SENT TWO LETTERS ACKNOWLEDGING RECEIPT OF MY EMAILS AND LETTER! Whoop de do! They have done nothing about it. No response addressing the issues!

They have not called me ( And if they claim they have, they are clearly not calling from company lines or I would have picked up their call when I saw their name on their caller id ). 

Further, they will argue, " Oh, he is in bankruptcy. We can't call him. '' Not true. My case # XXXX was XXXX officially on or about XX/XX/XXXX - OVER ONE YEAR AGO!!!

I am sick of this. I am trying to get caught up on my payments and should be able to do so within the next 3 weeks BUT I still do not know why my payment went up? Should I pay the increase?. 

Can you please help? No one is helping me and it is terrifying!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times And reporting discrepancies, my financial institution in Zelle failed to investigate my claims article. They inform me the recovering lost Fines was impossible, and the tracking these transaction was in feasible. The CFP s Findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX  as the issuing bank. 

Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount. 

Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit. 

I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit. 

Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.
Product: Student loan

In accordance with the fair credit Reporting act XXXX Account # 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 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.