23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I moved to a new address and disconnected the services at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I did not live there past the time and services were still connected under my personal information as of XXXX of XXXX. I was charged XXXX from Penn Credit Corporation a collection agency for XXXX XXXX XXXX. I have received numerous letters and erroneous statements on my credit report and I don't owe the charge. I have continuously addressed by disputing and not getting any real help with the process. I am attaching a bill sent from a company showing a bill for service used while I didn't live at the address.
Product: Checking or savings account

Filed A Report About Me Paying A Merchant With XXXX XXXX They Investigated, And Came To The Conclusions They Would Not Return The Funds Because It Was A Wire Transfer, When That Was A Lie It Was A Debit Card Purchase For XXXX XXXX XXXX ... I Filed The Dispute Because The Services I Paid For Was Not Given
Product: Debt collection

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, XXXXXXXX XXXX XXXXXXXX XXXX does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that XXXXXXXX XXXX XXXXXXXX XXXX ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on XXXXXXXX XXXX XXXXXXXX XXXX to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against XXXXXXXX XXXX XXXXXXXX XXXX to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX through a settlement program about 2 years ago. To this date affirm has still not removed it and put it in collections. The two credit bureaus have removed it after my lawyers sent in documents showing it was paid. Experian has not. Ive been disputing it along with the lawyers and they still deny it. Its illegal what both these companies are doing. Been dragging down my credit for two years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Debt collection

Amount due is zero. Rental apartment lease was ended legally per Texas Property Code XXXX. I moved out of the apartment while still paying rent so new occupant selected by apartments could move in. Advised collection agency, ProCollect : 1 ) lease was ended legally, and 2 ) this is an attempt to collect double rent for the same apartment, which is also illegal in Texas. They refuse to remove the information from my credit bureau reports, which almost made me a homeless XXXX veteran and now prevents me from relocating to most other rentals.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from XXXX XXXX stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from XXXX XXXX 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus
Product: Credit reporting or other personal consumer reports

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Product: Mortgage

The complaint covers THREE ( 3 ) loans with this company, as EACH loan has the SAME ISSUE. 

There is a BLANKET insurance policy, and each loan must collect ONLY its portion for the escrow account. This has been explained to this company since they became the servicer in XX/XX/2022, was explained again during the insurance renewal, and for two months now, has been explained again by me, via their portal, Email, phone and XXXX mail, as well as explained by the insurance company, that it is a BLANKET insurance policy. This company services 3 loans, another company services the other 3. In the most simplest of terms, a blanket insurance takes the total policy premium and divides it by 6. NOT ONLY have we done this math for them, we have provided paid in full invoices and individual declarations pages to show them how to do the math, and what escrows they need to be collecting. 

Every time we contact them, they say it is fixed, but it is NOT fixed.
Product: Checking or savings account

On XX/XX/2018 I went to a store in XXXX, there I made two purchases ( approximately {$160.00} and approximately {$240.00}, depending on the exchange rate ). The merchant took my card behind the counter and did something but then she claimed that the machine, which would print a receipt I was to sign was not working. She gave me two scraps of paper to sign which seemed very strange. Later when the charges appeared on my statement I saw that I was charged {$570.00} and {$680.00}. Naturally I disputed the charges and my bank gave me a temporary credits of {$410.00} and {$440.00}. These credits were later reversed when the merchant sent two fraudulent receipts, with forged signatures that look nothing like mine. There are also itemized containing things I never purchased. And these are also signed with a forged signature.I sent a rebuttal of the reversed charges and filed a police report here in the USA, but the bank refused to recredit me with the funds that were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This complaint is regarding my XXXX, Equifax, and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.
Product: Credit card or prepaid card

I am being charged an interest rate for a credit card that exceeds the legal limit set by my state, on my Kohls store credit card. 

My interest rate exceeds XXXX XXXX  %, the limit in NJ. I am being charged on 30.74 % on purchases. 

The criminal usury limitations ( N.J.S.A. 2C:21-19 ). In New Jersey, it is considered criminal usury if a lender charges an interest rate of 30 % or more to an individual, or 50 % or more on an entity ( a corporation, limited liability corporation, etc. )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

XXXX/XXXX/XXXX, recieved summons in Civil Court stating, I owed XXXX dollars plus interest from XXXX XXXX, Weinberg, Weltman and Reis CO..LPA by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ WEinberg, Weltman and Reis, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX XXXX, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from XXXX ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called Experian and disputed the inaccuarate info. I called credit XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from XXXX. I told her I had never heard of them as well as I had contacted Excperian and this was Identity theft. 
XX/XX/XXXXI contacted XXXX At XXXX he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call WW & R, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX County Court ( Date XX/XX/XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to XXXX, XXXX XXXX Bank and WW & R enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX XXXX stating I am not responsible for any previous or further balance occured on this account ... XXXX
Product: Payday loan, title loan, or personal loan

On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost  Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit
Product: Debt collection

To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX  allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.
Product: Debt collection

Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department It is now XX/XX/22 no response via email
Product: Payday loan, title loan, personal loan, or advance loan

Committed to make a payment on the next pay period ; but in the interim the company contacts me everyday. In addition, the company representative has asked me to come into the office ; but I asked where does my contract require an office visit. 

I continue to receive repetitious harassing/annoying phone calls start at XXXXXXXX XXXX  and throughout the day using various phone numbers.
Product: Checking or savings account

On XXXX XX/XX/2023, Chime suspended my account. I had tried to transfer an amount under {$5000.00} to a different savings account, Chime then suspended my account and asked me to submit documents to verify my account. 

I submitted these documents 3 times on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX They do not get back to me. Customer service is not helpful at all mentioning i need to contact some " specialized team ''. it has been just under 3 weeks I do not have a payment method because of which I am financially on my last leg.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have cut and paste the response the XXXX  clearly stating at the end of their response out right refusing to furnish a Validation of Debt letter. This is the law and my right, and XXXX should be held accountable for this violation. See below : The debt associated with the account ending in XXXX is valid. XXXX XXXX XXXX, XXXX, owns the account and has not sold it as of the date of this letter. For reference, we enclosed : Page 1 of 55 of the application ; the additional pages are not provided as they contain proprietary information and are unrelated to your request. The Cardmember Agreement The last three account statements Weve sent updated information to the credit reporting agencies We show your account was opened on XX/XX/XXXX, and no account information was reported before that date. The account was charged off on XX/XX/XXXX, due to non-payment. The debt has not been discharged. We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. Weve sent the updated information to the agencies for their records. The account should show : XXXX We updated the payment history for XX/XX/XXXX from XXXX to XXXX days past due and XX/XX/XXXX from XXXX to XXXX days past due We confirmed the remaining credit reporting agencies not reporting your account information or no update is necessary. We respectfully decline you request to stop reporting your account to the credit reporting agencies or delete the account. Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the contact information for the four credit reporting agencies : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX experian.com XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX transunion.com Your account is not eligible for Form 1099-C The Form 1099-C has not been issued on the account and is not warranted at this time. Please be advised that XXXX prepares and files tax forms pursuant to Internal Revenue Service ( IRS ) guidelines and not pursuant to a customer request. Such a form would only be prepared and filed under the appropriate circumstances. Based on the information you provided and Chases own internal review, we can not identify any circumstances warranting the preparation and filing of the requested Form 1099-C. You may be eligible for payment assistance Your account may be eligible for payment assistance. If you are interested, please contact our Internal Recovery ( IRU ) team at XXXX. They are available Monday through Friday XXXX XXXX. to XXXX XXXX. XXXX XXXX. There are no fees or charges billed prior to your account open date of XX/XX/XXXX. We decline your request for fee waivers. We deny violating any state or federal laws. This letter is sent only in response to your inquiry and is not an attempt to collect any outstanding debt. Unless you have additional concerns, we will not be responding to another request from you to validate your debt.
Product: Vehicle loan or lease

I made payments on my account for both my personal property tax & for my regular payments. Some of my property tax payments were applied to my property tax and others were applied to my regular payments which kept changing the payment amounts, even though I specifically asked what to have it applied to. They cant tell me why my payments are messed up, theyre confused on what should have been applied to each payment or what the payments covered. 

I paid my all of my payments on time, within the grace period, the specific payment in question that they are saying I didnt pay on time was in fact paid. I have statements from my bank that show that I had transferred more than a sufficient amount of money. It also shows that I did NOT have any returned payments in my account due to NSF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$370.00} XXXX XXXX Balance {$290.00} XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My wife and I moved to this area in XXXX of XXXX. She was diagnosed with XXXX XXXX, and we moved here because her surgeon was close by this area. On XX/XX/XXXX, we went to the retailer and purchased living room and dining room furniture. The retailer was offering XXXX percent interest for five years on the furniture. We both gave them our drivers license and all pertinent credit data and we told them we both wanted to be on the account because no one survives XXXX XXXX. Some may just live a little longer than others. We were approved, bought the furniture, and it was delivered on XX/XX/XXXX. We were happy with the creditor as we had paid off two large purchases with XXXX percent interest with them in the past. We made all of our payments on time. My wife passed away on XX/XX/XXXX. On XXXX I went to the same retailer to buy a new bed. I gave them my info and said I wanted to buy it XXXX interest financing for 2 years. A few months go buy and all the payments are made on time. But I didnt like the way they applied the payments to principal. I called customer service to see if there was another way they could apply the principal. They asked who I was, I gave them all of the pertinent info on my wife, and myself. The creditor said, You are not on the account, can I speak to your wife. I said no, she died of XXXX XXXX 4 months ago. They said they could no longer talk to me, transferred the call to the deceased division. The deceased division told me the account had to be closed immediately. I said Why, I am on the account. They said No, you are not. I said Really? How can that be? On XX/XX/XXXX I purchased a bed, my wife had been dead for 3 months, and my name is on the invoice. They told me to send in her death certificate, will, and marriage license and told me they would get back to me. On XX/XX/XXXX of this year, I get a letter from a collection agency contracted by the creditor requesting payment in full out of her estate. I called the collection agency once a week for the last month trying to resolve the situation. Each time the call was escalated to the next level. Then I would get a voice mail. EVERY time I left my contact info. I have not heard from them at all. Whats my solution? They reinstate the debt with NO PENALTIES, and I pay the debt off as I have for all of my debts.
Product: Credit card

I have had to replace my Wells Fargo credit card numerous times and each time I replace it, it is used fraudulently some how. One time it was fraudulently used after only 5 minutes of being activated. Therefore I have to constantly go to my app turn the card on when I want to use it and immediately turn it back off otherwise it will get used in those few moments that is activated and turned on. This is a real problem as it is a breach in my accounts private information. This has to be due to criminal staff members they've hired. I'm sure I'm not the.only person with this problem due to how frequently it has happened to me.
Product: Student loan

I contacted Navient regarding the lawsuits and my private loan forgiveness. I attended a listed school within the time frame and met the qualifications for forgiveness as I read and understood them. When I spoke to a representative they said they had no information in my file regarding the forgiveness or lawsuits. I received the initial postcard that was send confirmation I qualified and made sure my information was updated.