23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I acquired this debt as a result of a divorce ( I had taken out the loan for my husband to use for automobile repair and improvements to the house ). He indicated to me that he would help me pay the debt but stopped when I wouldn't reconcile with him. I made some payments and then the loan was sold to XXXX XXXX XXXX XXXX. I intended to get on a payment plan and forgot and pushed the debt out of my mind. I would like to created an installment plan and begin to slowly pay off this debt. I will be able to increase the amount I'm paying after some other debts are taken care of and paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.
Product: Checking or savings account

To Whom It May Concern : I contacted Chase Bank by phone twice and requested help from Chase Bank through CFPB XXXX times and the results were the customer needed to log on to the bank website and download a copy of the payment. This is a very sad feeling for Chase Bank.

Today, I am filing a complaint due to Chase Bank 's negligence regarding my online payment of {$800.00} on XX/XX/2023. I am demanding Chase Bank provide me a copy of the information of a confirmation of the payment received by XXXX XXXX, and Chase Bank can mail the copy to the address on my account. 

IF NOT ABLE TO PROVIDE A COPY THEN REFUND MY {$800.00} TO MY ACCOUNT. 

I have attached a copy of the payment received from Chase Bank, which indicated on XX/XX/2023, the Chase Bank online payment was sent to XXXX XXXX. The copy of the payment has information on the billers name, payee name, payee account number, File transmission date, payment effective date, trace number, and transaction ID. 

I also attached a letter from XXXX XXXX. In this letter, XXXX XXXX XXXX, a customer advocate service team from XXXX XXXX, requested a confirmation of the payment received by XXXX XXXX. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXXNC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

US Auto Sales not only altered my loan and what I paid for a few months was completely gone when my payments was altered. They sent my loan over to Westlake Portolio and when doing so it altered my loan again. Its like I never paid anything once again, my actual loan contract has been altered by Westlake as well. My GAP coverage doesnt exist. US Auto had me paying for insurance when I was already paying for insurance myself. Ive only missed two payments which I called ahead of time to let them know I was not going to be able to due to XXXX even offered to provide documentation from the XXXX.
Product: Credit reporting or other personal consumer reports

MACYS/ CITIBANK NA regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Collection/Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt.In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Date Reported : Different dates reported by each credit reporting agency High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$800.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Closed Date : Different dates reported by each credit reporting agency. 
Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency. 
Two year payment history : Different dates reported by each credit reporting agency. 
XXXX : XXXX  XXXX : No reported since XX/XX/year> XXXX : None reported MACYS/ CITIBANK NA have furnished this account as a charge-off/collection. You are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Bank account or service

My friend transferred {$100.00} to my BOA account through the XXXX quickpay on XX/XX/2016, but I did not received it, and BOA agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to BOA. I told BOA agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks XXXX
Product: Debt collection

In the beginning of XXXX between XXXX and XXXX, I sent payment to my XXXX Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for XXXX XXXX use only. I did not owe anything on that the XXXX store  card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX   dollar late fee. Again, the following months when I would pay my XXXX mastercard, the payment would keep going to the old XXXX credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a XXXX store  card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a XXXX store card, that I only have a XXXX mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/XXXX any amount of money. My account is with XXXX Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.
Product: Prepaid card

I had purchased a prepaid giftcard at XXXX at XX/XX/year> with a XXXX $ balance on the card. When I attempted to activate the card on the card company 's website named " XXXX '', I was unable to activate the card. I attempted to call customer support which I was told my card was flagged for fraud even though it has been HOURS since I have purchased the card. The company requested that fax information such as my driver 's license, a photo of the front and back of the card, a picture of my receipt and a phone number for callback. I've done as they said, to which I have not received any from of follow-up regarding my purchase in MONTHS. I hope to have this issue resolved
Product: Mortgage

I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not  applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian
Product: Mortgage

Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response.
Product: Debt collection

As of XXXX XXXX Portfolio Recovery had reported on my credit report an account of {$2700.00} as a collection. I have spoken with the company, I have requested a validation of debt many times, and the company has failed to provide me with such documents. The company had contacted several family members and after I have requested to be contacted through mail only. I continue to receive calls at all hours and account still shows as collection on my credit report.I would like the company to delete such account from my report since they have failed to provide a validation of debt.
Product: Checking or savings account

In XX/XX/XXXX, Bank of America froze my account of over {$10000.00} and sent most of it to my client who accused me of forging her checks. However, in XX/XX/XXXX I obtained a document from the District Attorney, proving that I am not guilty. The institution stated that I would be unable to re-open an account anywhere for 10 years. Therefore, my business has failed and gaining employment has been difficulty without the means of accommodating their direct deposit method.
Product: Debt collection

I checked my credit report today and noticed I had a collection from Sunrise Credit Service ( original creditor XXXX XXXX ) that was opened on XX/XX/year> with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.
Product: Money transfer, virtual currency, or money service

Complaint Against HSBCs Handling of Transaction I hope this message finds you well I am reaching out to express my concerns regarding how HSBC managed a recent transaction on my account On XX/XX/year> I received two deposits of {$10000.00} each from my friend XXXX XXXX through The XXXX XXXX XXXX On the same day I tried to transfer these funds to a more secure account but it didnt work, HSBC decided to block and closed my account but failed to refund the money back to my friend. Despite my repeated efforts to clear this up HSBC has not returned the funds to XXXX XXXX account Ive received mixed messages including information that the transaction was reversed ( They lied ) and that the funds remain with HSBC ( true ) I kindly ask that the Federal Reserve Consumer Help step in to address this situation and take the following actions 1 Look into HSBCs management of the transaction and the closure of the account 2 Ensure that HSBC promptly returns the funds to XXXX XXXX account immediately 3 Take suitable measures to guarantee that HSBC adheres to the relevant banking regulations and protections for consumers. 

Feel free to reach out if you need any more details from my end Thank you for your attention and assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : XXXX XXXX {$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT
Product: Debt collection

Collection Agencys : LVNV Funding LLC Charging Amount : {$1700.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Product: Checking or savings account

I am an occasional XXXX XXXX. XXXX debited my checking account {$99.00} for a XXXX XXXX fraudulent return of a polished chrome soap dispenser - a return that I did not authorize and in fact to which I expressly objected. The XXXX returned the product that I had XXXX as new in a used or damaged condition. XXXX, through its offshore contract agents, refuses to return the funds to my checking account at Bank of America. I have logged on to my Bank of America account and there is no option to dispute the debit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer and unfair practice which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they are dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements electronic fund transfer act ( EFTA ) regulation E. These actions have caused significant inconvenience and and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX  XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Product: Debt collection

Please review my reports. I noticed the creditors are not cooperating with the request I need for the inaccuracies reporting on my credit.
Product: Prepaid card

Hello it is now, XX/XX/XXXX and I still havent recovered my funds that were stolen and used as fraud back in XXXX of XXXX. I have not received any compensating check. This is absolutely ridiculous. Somebody has ahold of my identification and I and being held accountable for it. 

Ive given police reports, identity theft report. Letters, statements, supporting documents to help my case and prove I am innocent and nothing has been resolved I have been homeless because of all of this mess and its only getting worse. 

PLEASE HELP. 

I am getting ready to get an attorney, I can not wait anymore. I am XXXX on the street and Im only XXXX. 
I have medical problems to tend to and I can not because Bank of America is taking this like a joke. This is my life Please help
Product: Debt collection

XXXX XXXX. Got a Old Account On My Credit Report. That Need To Be Removed. It Will Be 8 Yrs In XXXX. Also. It's 2 Collection Is On My Credit Report .And They Got Very Very Old Personal Information. Also. On My Credit Report.. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have been deluged with Hard Inquiries from a company known as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This inquiry posted XX/XX/2021 representing a company known as : XXXX XXXX I have tried to contact this organization on numerous occasions, to notify them of the fraudulent error, to no avail. I am a victim of identity theft and I have never had any dealings with this company. I have contacted Equifax regarding this but I can not make progress here.
Product: Credit reporting or other personal consumer reports

I'm sending this letter as I recently pulled my credit report and found unauthorized inquiries which are not associated with me. They are fraudulent.