23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I receive a robo call from XXXX XXXX XXXX telling me that they will cut my service if I don't Pay my bill today so the robo call said press 1 if you want to make the payment so then a man pick up the phone and said How can I help you, so i told him that I receive a call from you ( XXXX XXXX XXXX ) said that you guy going to cut my service I ask hi why and he said let me see, put me on hold and he come back and said yes we have not receive your payment and that is why, do you want to pay today to avoid the issue, I was scare and too him yes but he said we don't take checks, credit card or ATM the only way is going to be through XXXX, I answer I dot now how to use that app and he said ok I am here to help you, then he start telling me how to navigate through that Application. 
But before all this happened I hung up the phone and call the XXXX XXXX number to make sure it was them and yes it was they're number, he call me back and that is wend I tough it was real!!!! 
so he keeps telling me what to do and I did the transaction through XXXX for the amount of {$990.00} from Bank of America, then he said ok you have a credit here so I am going to sent you a code for you to put into XXXX to get that Money back at that point I realize that it was a scam and immediately hung up the phone and call my back and told them what had happened and the said that unfortunately there is nothing we can do, so I am keep calling my bank to see they can help me but no luck I have learn that If some one INDUCE you into transfer money Even if I agree the Bank have to refund the money, it this right???? 
thank you for your Help.
Product: Credit card or prepaid card

On or around XX/XX/20, a charged in the amount of {$110.00}, from XXXX appeared on my Citibank credit card which I immediately dispute this charge are not receiving sevices, inaccurate. XXXX remove said charge only to repost charge on XX/XX/20, with full knowledge the vendor/merchants bank responds verified services not received. Citibank refused to inspect, re-view the documentation from the merchants bank told the consumer all the bank has to do is reply and Citibank accept the charges. XXXX is engaging in a deceptive business practive with the the help of Mastercard merchant services. I want to file a formal complaint and request CFPB to enact or enforce laws to protect conusmers from this abusive deceptive practices involved with disputing inaccurate billing charges.
Product: Credit reporting or other personal consumer reports

This account was open was open without my consent, this is identify theft, and has been reported on my credit inaccurately. Please help me with removing from credit. 


Capital One - 3 missed payments Balance {$340.00} Closed Date Open : XX/XX/XXXX Closes XX/XX/XXXX past due XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  i submitted and fraud report because I was apart of the Equifax data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a,  which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022, through the Consumer Financial Protection Bureau ( CFPB ) case number XXXX regarding WELLS FARGO BANK N.A. , XXXX XXXX XXXX ). I disputed the account, by providing an FTC Statement listing the account in question as fraud. Wells Fargo sent me back a letter XXXX XXXX stating the account in question was indeed mines. They went on to submit an application that confirmed that I had indeed opened the account. The application that they submitted has an address that I am not familiar with and have never lived at ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ). I have attached the FTC Statement, my identification that verifies me, and the notice to furnishers Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to inform you that you have failed to comply with the Fear Credit Reporting Act and continued reporting the disputed accounts without proper verification. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my consumer report via the XXXX XXXX XXXX website and made copies of the information pertaining to : 1. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}. Under the 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by the Credit Bureaus indicates the accounts were previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant.
Product: Debt collection

I am writing to formally file a complaint regarding CKS Prime Investments , LLC. This company has reported a collection account on my credit report. However, after conducting research on XXXX have found that CKS Prime Investments , LLC is not a licensed collector in the state of XXXX. This is the collection company thats showing on my credit report. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per XXXX  law, any company engaged in debt collection activities in the state is required to be properly licensed. Since CKS Prime Investments , LLC does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that CKS Prime Investments , LLC is not licensed in Nevada, and any other relevant information for your reference. 
I visited nmlsconsumeraccess.org where I confirmed CKS PRIME INVESTMENTS , LLC is not licensed in the state of Nevada. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Product: Credit card

XX/XX/year> Subject : Complaint Against Chase Bank Regarding Missing Refunds To Whom It May Concern, I am submitting this complaint regarding an unresolved issue with Chase Bank concerning refunds for XXXX transactions that were never credited to my account ( CLAIM ID : XXXX ). Despite providing all necessary evidence, Chase has declined my claim twice without proper resolution. 

Details of the Issue : 1. I returned items to XXXX, and XXXX issued refunds for these transactions to my Chase account.

2. The refunds have not appeared in my Chase account, and the corresponding charges have not been reversed.

3. I initially submitted a claim to Chase, attaching proof from XXXX demonstrating that the items were received and refunds were granted. 

4. Chase closed the claim without issuing the refunds or reversing the charges. 

5. I reopened the claim, providing the same documentation as evidence, but Chase once again declined the claim without explanation.

Evidence Provided : 1. Documentation from XXXX confirming receipt of the returned items. 
2. Records showing that XXXX issued refunds intended for my Chase account. 

While it should not matter, I believe it is important to note that my professional background is in auditing. The evidence I provided was pervasive and clearly demonstrated that the refunds were issued by XXXX but never credited to my Chase account. The lack of acknowledgment or resolution by Chase is troubling, especially given the completeness of the documentation I submitted.

Desired Resolution : I request that Chase thoroughly investigate this matter, locate the missing refunds, and ensure that they are correctly credited to my account. Additionally, I seek a detailed explanation for why my claim was denied despite clear evidence.

Chase Banks handling of this situation has caused unnecessary financial stress and inconvenience. 

Thank you for your assistance. Please let me know if any additional information or documentation is needed to facilitate this process. 

Sincerely, CLAIM ID : XXXX
Product: Credit card or prepaid card

I lost my card in the bank ATM at the local branch they refuse to give it to me out of the ATM machine and refused to send me a replacement card kept charging me late fees etc when I lost the card XX/XX/2022 I tried calling and they were not verify my identity based on the fact that they would not accept my phone number they were forcing me to receive a text message with a code, they discriminated against my phone number because it was a XXXX XXXX account which is federal database I have proof of everything. They would not accept my phone number and in person I presented original birth certificates State IDs passport well over satisfying the request to verify my identity but based on your multi-factor text authorization
Product: Credit reporting

My son, XXXX XXXX XXXX, falsely claiming to have power of attorney got access/was given my court ordered spousal support payments, ensuring my ex husband, XXXX XXXX XXXX, that he would administrate my finances. He insinuated his way into my business, including a loan I had at XXXX XXXX on my Jeep Commander. I had an auto-pay arrangement for my car payments. I am not sure how XXXX was paying them but he missed, and/or was late and the car was repossessed. The bank sent everything to him not me, even though I was the client and had the loan. I have no idea what happened. XXXX caused terrible trouble for me from XX/XX/XXXX -XX/XX/XXXX before he stopped. I have to clean up this mess because it is preventing me from getting an auto loan.
Product: Debt collection

I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.
Product: Vehicle loan or lease

Hyundai Motor Finance, without warning, cancelled my auto payment at the final payment of my lease. I received no letter, email, or phone call informing me of this. After three years of on time payments, I received an email almost a week later that no final payment was received. When I called to ask why it autopay was cancelled I was met with two very unhelpful customer service representatives who rudely informed me that they were attempting to collect a debt ( even though I made payment online while I was on the phone with them ) and that it was policy to cancel auto payments ( with no warning to the customer ) on all accounts before the final payment. They also said that the late payment would likely be reported to credit agencies.

This is predatory behavior and likely an attempt to collect late fees at the last minute before lease ends, or purposely lower credit scores so that going forward they can collect a higher interest rate from customers.
Product: Money transfers

On XXXX XXXX, 2016 I went to XXXX XXXX in XXXX, TX and used the Western Union Terminal to transfer the sum of {$120.00} to XXXX. My MTCN tracking # is XXXX. One issue that came up during the transaction was : did the recipient have an ID. I was not sure and the agent suggested that a test question and answer would suffice. I provided a test question plus an answer. 
A day later the recipient informed me that the Western Union agent bank refused to provide the money because of an expired ID and also denied request to use the test question. 
I went bank to Western Union and wanted to recipient name be changed to another individual that has a valid ID. The agent refused to entertain my request stating that I must call from the home telephone number I listed on the transaction, or go to XXXX and make the request. I went back to XXXX and spoke with an agent. He stated that Western Union would not let them change name but can issue me a refund less the transfer fee of {$9.00}. I refused such refund offer. I went home and called XXXX and after about 30 minutes of speaking with XXXX different individuals I was advised to go back to XXXX and get the {$120.00} refund and the agent would put a request for refund of the fees. She further advised that the {$9.00} would be mailed to my home address. 
I did just that. Two days ago I inquired on the status of the fees refund. The Western Union representative advised me that my request was denied because it was not their fault that the recipient did not have a valid ID. I mentioned that the XXXX agent told me that test question would be used in-lieu of a valid ID. He stated that Western Union policy is that for all international transfer all recipients must have a valid ID. This was the first time I was told of such policy. I wanted to know why such information was not given to me during the initial money transfer transaction, the agent had no answer for me. 

I 'm requesting that my full {$9.00} fee transaction be refunded to me.
Product: Debt collection

I have recently reached out to these companies via CRAs to dispute fraudulent accounts that are reflecting on my consumer report. I have not received any response from he companies so i am submitting information here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off listed on my credit report for the following account : Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] Charge-Off Date : [ XXXX XXXX ] XXXX of 1099-C Compliance ( IRS Requirement ) Under IRS regulations ( XXXX XXXX XXXX XXXX XXXX XXXX creditors are required to issue Form 1099-C for canceled debts of {$600.00} or more. Since this debt was charged off in XXXX XXXXnd I have not received a 1099-C, the debt may not have been legally canceled, or the creditor has failed to comply with IRS reporting rules. Therefore, the accuracy and legal status of this charge-off are questionable.

2. Fair Credit Reporting Act ( FCRA ) Violation According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reports must be accurate and verifiable. If the creditor has written off the debt and has not issued a 1099-C, then it is unclear whether they consider the debt fully canceled. If the account can not be verified with complete and accurate records, it must be removed from my credit report. 

3.Failure to Validate the Debt ( FDCPA Violation, If Applicable ) Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), if this debt has been sold or transferred to a third party, I have the right to request full validation. If the debt has been sold, the original creditor should not continue reporting it as a charge-off. If no valid records exist, this charge-off must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted My State Attorney Generals office and the Cfpb on old navy sychrony bank because they failed to give me atleast 90 days of applicable relief due to covid-19. My state has passed its own care act and company 's have to give 90 days of covid relief and can not report delinquency or other adverse actions to any bureaus. 
Old Navy Sychrony has violated state laws and I have the screen shots to prove it. I am also enrolled in credit counseling because of the company 's negligents.
Product: Credit card or prepaid card

I noticed a charge on my card that wasn't mine and I contacted cash app and they tell me to contact the merchant. I contact XXXX and they tell me it must be taken up with the financial institution. Cash app is doing nothing to help me. I did not initiate or authorize the transaction. I want my money refunded. This transaction took place at XXXX pm on XX/XX/XXXX. The amount was {$100.00}. Cash app don't even provide me a transaction number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX account number XXXX  
has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy. 15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX/SLS : XXXX of Incompetence. My brother died in XX/XX/2017 and I became the executor of his estate. For grieving family/friends that job is exhausting and sad. Most businesses tried to be helpful, concluding transactions as quickly as possible. Not XXXX. I can not even count the hours spent on the phone with them clearing up one incompetent mess after another. My brother 's house sold in XXXX. Our family was owed an escrow overage check. XXXX sent it made payable to my brother. Without my name on it as executor, the bank would not cash it. It took many phone calls to get them to add My Name, Executor underneath my brother 's name. A correct replacement check was sent out on XX/XX/XXXX. On the XX/XX/XXXX I called XXXX to inquire about the check. After being on hold for more than an hour, XXXX informed me that the check had been sent to the property. My brother 's SOLD house. They stopped payment and proceeded to cut another check, the third. Six days later, on XX/XX/XXXX, the check arrived ( in an envelope without a yellow forwarding sticker from the property on it ) and I cashed it. It bounced. My bank charged me fees. It was the check issued on XXXX XXXX. Since it was not forwarded I thought it was the one issued on XX/XX/XXXX. Today is XX/XX/XXXX. I  received the check in the mail today. It is made payable to my brother ONLY. As of now, I have been on the phone for 49 minutes while they TRY to correct this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Bank of America XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Bank of America has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. The account is showing completely different dates of last activity for each bureau which is completely inaccurate and false reporting. 

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter