23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I received a collection letter from KLS Financial Services , Inc. regarding and alleged debt of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. 

I immediately disputed the debt in writing, because I have not had a relationship with XXXX XXXX XXXX since XX/XX/XXXX, over 10 years ago. 

KLS responded that they were not obligated to provide any information regarding the debt, only the original creditor and the amount. This is in total violation of the Fair Debt Collection Practices Act.

In addition, KLS has been informed that I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, a year after my relationship with XXXXXXXX XXXX XXXX had ended. 

KLS not only refused to provide proper verification of the debt, but they are reporting to the credit bureaus as a new debt incurred in XX/XX/XXXX. 

Even if the debt was valid, it's over 10 years old and uncollectible under the statute of limitations of any state. 

KLS is using illegal collection tactics to scam people into paying old debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you
Product: Credit reporting or other personal consumer reports

I am disputing a late payment that has been incorrectly reported on my credit report with [ XXXX  ] and [ transunion ]. I made the payment on time, and I have provided supporting documentation, including payment confirmation and bank statements showing the payment was made by the due date. 

I already disputed this issue with [ XXXX  ], and they successfully removed the late payment from my credit report after reviewing my evidence. However, [ transunion ] have not yet corrected the error, despite receiving the same dispute and supporting documentation. 

I am requesting that [ transunion ] update my credit report to reflect the accurate payment status, as the late payment is not correct. The payment was made on [ XX/XX/year> ], and I have attached the proof from [ XXXX  ] confirming that they updated the account accordingly.
Product: Checking or savings account

XX/XX/2020 {$900.00} funds as a withdrawal transfer via Zelle through XXXX XXXX XXXX XXXX to XXXX XXXX. 

Cell XXXX XXXX XXXX was not provided due to XXXX rescheduled and unbecoming behavior and accusations towards customer. 

Upon medical professionals advice services were not recommended. 

Customer request full refund. 

XXXX refused, ignoring medical professionals communications via letter and email by rescheduling to an obscure date.
Product: Credit card or prepaid card

I purchases two items from Express with my Express credit card ( ending in XXXX ) via Comenity bank on XX/XX/XXXX in the amount of {$99.00}. The order # was XXXX. It was a sweater and a pair of pants. I received the order and promptly returned the items on by creating a return label on the websites online portal on XX/XX/XXXX. I then received an email on XX/XX/XXXX stating my return had been processed and I should see the amount of {$99.00} refunded back to me within 7 business days. I did not receive the credit. I reached out to the the company on XX/XX/XXXX and XX/XX/XXXX, they told me to give it up to 3 weeks. I also called and opened a dispute via phone. I now recently received a letter closing my dispute as they claim to have no record of receiving the return, even though I have an email from them acknowledging the receipt of the return. I have also now been charged interest on these items, which they also assured me would not happen while my claim was being investigated. I have also now written them a letter with the attachments I have included here, including their acknowledgement of receiving the return. 
I want my credit of {$99.00} and the interest I was charged returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & XXXX.
Product: Prepaid card

I would like Am Ex to issue me a refund of {$100.00} for the card included in this pictureI was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " XXXX at XXXX merchants that accept American Express XXXX. '' I have tried multiple ways to use them for XXXX  online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.
Product: Debt collection

Debt Validation was partially mailed to me. This is the letter that I sent them today : Subject : Follow-up Debt Validation Request for XXXX Account Numbers XXXX, XXXX, and XXXX To Whom It May Concern, I am writing as a follow-up to my initial request for debt validation on the above-referenced accounts, which I sent to you previously. Unfortunately, the information I received in response did not satisfy my original request. Specifically, I requested the original signed agreement for each debt, as this document is necessary to establish my original obligation to the debts in question. 

To fully validate these debts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as well as under Tennessee Code XXXX et seq., I request that Midland Credit Management furnish the following : Original Signed Agreement : A complete copy of the original agreement or contract with my signature, which demonstrates my obligation to the original creditor and outlines the debts terms. This document is legally essential to confirm that I am indeed responsible for these accounts. 

Itemized Debt Breakdown : An itemized statement detailing the original amount, interest, fees, and any other charges that comprise the debt. This information ensures transparency and accuracy regarding the debt calculation. 

Because the previous response did not provide a complete validation, I am preparing a complaint with the Consumer Financial Protection Bureau ( CFPB ) if these documents are not promptly provided. I request that you cease all collection efforts and immediately remove any adverse reporting related to these accounts from my credit report if you can not furnish the requested documents. 

Thank you for your attention to this matter. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, the Wells Fargo bank, and I had problems with the amount of debt I had with my credit card and my personal line of credit, where I called for help and they clarified my doubts, They only threatened me to pay my debts, after reaching an agreement, and paying my debt ... of more than {$10000.00}, after 2 months, they charged me again for more money, which I could not pay ... and they pushed me away to give me bankruptcy ... ruining my credit and my economic and mental well-being, due to so much stress that they caused me...
Product: Checking or savings account

Bank of America is using fraudulent information in regards to a previous account that I owned that was defrauded. For which I filed a claim, which was rejected. Therefore I was held responsible and made to pay back money I had n't gotten in any way, shape, or form. I filed a police report to no avail. I requested evidence of the claim by bank of america, they declined by saying the evidence is proprietary information. I requested bank footage to substantiate the claims by bank of america, they refused on the grounds that they require a court order, So while not admonishing any facts related to the false information bank of america is disseminating misleading, false, and libelous information to a third party reporting agency preventing me from opening a bank account at any institution. I demand this blatant abuse be stopped or I 'll be contacting legal counsel.
Product: Debt collection

Certified mailing was sent to Midland and dated XX/XX/2021 requesting that they verity the debt and the requested information requested to verify the debt was never received from Midland and then I noticed when pulling my credit report in XX/XX/2021, Midland had placed the UNVERIFIED and INACCURATE account information on all 3 of my credit report. 
( Please see a copy of certified letter send to Midland requesting that they verify the debit. 
( Please see a copy of printout from USPS showing that Midland received the certified letter requesting the verification of the debt )
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 11 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 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 XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Several years ago I closed my HELOC account in person with the assistant manager of BBVA Compass bank, and after a call by that assistant manager she told me my HELOC account was closed. There was a new transition last XXXX XXXX where BBVA Compass bank was now owned by PNC bank XXXX In XX/XX/XXXX I received a $ XXXX  yearly finance charge from PNC bank. I inquired about this at my PNC branch. They made a call to the PNC Loan Service department that handles this and they stated I was charged the {$50.00} because my HELOC was not closed. I told PNC the account had been closed when it was BBVA Compass bank and I expected it to be closed based on the information I received from the assistant manager of BBVA Compass. I told PNC they needed to refund the {$50.00} finance charge back to my checking account. PNC stated it would take a few days for this to be evaluated and the money refunded and to check back in a few days, which I did. The money had not been refunded, and unbelievably my HELOC account still had not been closed. When the transition from BBVA Compass bank occurred last XXXX, PNC failed to appropriately update their files to show that the HELOC had been closed. I made several calls to PNC Member Services who forwarded the matter to their Loan Service department and always told they would contact me, but no contact by e-mail or phone every occurred. My request to close the account and credit the {$50.00} finance charge has been totally ignored and I find this conduct and lack of professionalism irreprehensible as a customer of PNC bank.
Product: Credit card or prepaid card

I bought a set a quilt set on Wayfair.com and was used the Comenity credit card. After I received and didn't like the color of the product, I returned the full set and paid {$12.00} return shipping fee. 

I should have any more balance but they kept saying I owe them something and accumulate late fee and asking for payment. I refuse to pay for something that I have successfully returned and paid return shipping fee.
Product: Vehicle loan or lease

Subject : Fraudulent Practices and Securities Law Violations by Mercedes-Benz Financial Services USA LLC XXXX XXXX This complaint pertains to XXXX 's XXXX as a depositor through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Prospectus and Indenture Agreement. It highlights deceptive practices in securitization and credit creation, evidenced by XXXX 's manipulation of consumer credit, misuse of trusts and SPVs, and violations of transparency regulations. These practices deny consumers their rightful claims, including set-offs, discharges, and disclosures. 

Details of the Complaint : Depositing Securities to Obscure Transactions : XXXX uses consumer applications, promissory notes, and agreements as collateral to create commercial paper deposited into trusts. 
These instruments are reclassified as marketable securities without disclosing the origin to the consumer, violating transparency and lending laws. 
XXXX of Rule 144A Exemptions : The reclassification and resale of securities to Qualified Institutional Buyers under Rule 144A lack the requisite material disclosures. 
Breach of Fiduciary Duty : XXXX XXXX  XXXX XXXX, as a trustee, collaborates with MBFS to obscure liabilities, undermining the financial rights of consumers like me. 
Consumer Rights Violations : Concealing my contributions in credit creation denies me the right to set-off or discharge debt obligations, infringing upon the Truth in Lending Act ( TILA ) and related consumer protection laws. 
Inflated Asset Valuations : Deposited securities are falsely marked at inflated values, misleading consumers, investors, and regulators about XXXX 's financial stability.
Product: Credit card or prepaid card

Have tried resolving issue with NetSpend regarding transactions that were not authorized by me. I went to check my account balance on XX/XX/20 and it was drastically less than what should have been in the account. Had my stimulus and tax refund in the account before I was XXXX for a XXXX and did not come home 7 weeks. Looking at the information that NetSpend provided ; appears that they allowed someone to change all the information on my account and failed to see the red flags. The address, phone number, passwords were all changed and a 2nd debt card was also ordered. According to the bank transactions, they all occurred in XXXX CA and during the time I will staying in the XXXX. My XXXX had to help me reset my information, but we could not get into my account because all the information was changed. There were multiple purchases made in the amount of {$1800.00}. I only made one purchase with the card at XXXX in XXXX CA and this was a transaction I made. I was not aware of the other activity on my account. Netspend denied my claim because they say my pin was used, but I had my card with me in the hospital the whole time. That is when I was told that there was an additional debt card on file. They would not tell me what address was being used, but did say that it was in XXXX CA. Netspend asked for my medical records, which is strange because it is against HIPAA laws to request medical information. I will gladly provide this as I was unable to move, nor make calls during my stay at the XXXX and XXXX XXXX. Please help resolve me resolve this issue. I have already taken precautions to put freeze alerts with the credit bureaus in fear that someone has my personal information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2023 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Fraudulent Account : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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
Product: Mortgage

I applied for the Illinois Hardest Hit Fund program offered by IHDA. IHDA sent SUNTRUST a request in XXXX OF 2019 to verify all of the figures on my mortgage. This normally should take no MORE than 35 business days. 

It is now 3 months, and I do not have any answer from this lender. My file is sitting at IHDA collecting dust since Suntrust has not answered and seems to not know what they are doing. 

Can Suntrust please answer IHDA so I can get mortgage assistance. Thank you
Product: Credit reporting

There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.
Product: Debt collection

I received a call at XXXX today from XXXX from a person identifying herself as XXXX. She stated she was representing Monarch Recovery Management based in XXXX and asked if I was XXXX. I affirmed that I was, and she asked for my birth date. This I refused for obvious reasons. I asked the nature of the call, and she replied it was about a debt to a bank I had never heard about. I told her I had no debts and had never heard of the bank she mentioned. I asked her for the birth date of the person she was looking for and she refused, citing privacy. She then suggested that my providing her with my birth date might help me detect identity theft. As a retiree from the California Department of Consumer Affairs, this raised a red flag for me. Wheedling info out of people is known as social engineering by scammers. In any case, I have no debts. How do I complain if this company calls again? Thank you, XXXX XXXX, CA