23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX   and they have deleted this collection company from my reports, but XXXX  just keeps this fraud Collection on my report after multiple letters and corespondent to delete.
Product: Debt collection

This company Receivables Managment which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.
Product: Debt collection

Unauthorized accounts have appeared on my credit report. Please ensure these are blocked and promptly removed.
Product: Credit card or prepaid card

I reached out to them XX/XX/ 2022 about closed charge off account being removed. The account was closed and sold to a debt collector. Trying to get money but never responded to me within the 30 days. I asked for the account to be removed. Its at 7 years already
Product: Credit reporting or other personal consumer reports

Equivax and XXXX are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety, security and privacy.
Product: Bank account or service

XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.
Product: Mortgage

I made September 2024 monthly payment on my mortgage To Bank of America, account no. XXXX. I paid an additional {$200.00} toward principal, and instead it was applied to " unapplied funds. '' I have asked for the " specific requirements of the loan or applicable law '' that permits Bank of America to arbitrarily place my funds into a non-interest bear fund, and not credit my mortgage principal as intended. Furthermore, I have previously complained approximately two years ago, and I thought this issue was resolved. Not so!
Product: Debt collection

Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.
Product: Debt collection

Re : my address is XXXX XXXX XXXX XXXX XX/XX/XXXX lst 4 off ssn XXXX never traveled to the state of XX/XX/XXXX before. 
Inaccurate false items stopping me from employment please remove update COLLECTIONS Profit Services Grou Opened XX/XX/ - {$770.00} Original creditor : XX/XX/XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. Balance {$770.00} Highest Balance {$770.00} Opened XX/XX/ ( 1 yr, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

Regarding XXXX XXXX XXXX  on mobile phone cancelled XX/XX/XXXX. Called and chat XXXX XXXX to canceled insurance on mobile phone. Dispute charge with chase on XX/XX/XXXX and reverse the charge after a month. I went to chase branch and have them talked to fraud department in XXXX? But never refunded. No response from chase. Went back to chase branch and banker called XXXX sevrify, request for refund. Nothing happen after 10 days or so. No refund of {$240.00} sonce first attemp on XX/XX/XXXX. 

In addition, i even changed my debit card number for security purpose because there XXXX un recognized charges and after i sent back old XXXX XXXX XXXX XXXX for an exchage with new XXXX XXXX XXXX XXXX charged me {$750.00} and Even after I changed my Debit card number due to fraud chages before, Chase paid my {$750.00}. I had to investigate and i had to present XXXX all the proof. Good thing i took all the pictures of mobile phone, tracking record and insurance. Finally i was able to get money back. However Chase allowed charges from XXXX and just paid even it is fraud transaction. XXXX should never charge {$750.00} and Chase paid even after i got reissued debit card with number changed due to fraud charges before. 

Chase has paid several times to fraud chages and some of them were difficult to get money back from chase. On the other had Chase has blocked my card for some occasions when it was legitimate charges. When they do that i had to call chase to correct. Mean time when they do with at hotel check in or making reservations and travaeling, it really causes a lot of problems. 

Money got short so i had to sell my stocks. 

I see that when chase has out sourse to like XXXX, XXXX? I often experience many problems. For example, lock out my online banking access and in order to unlock, i have to call chase and goes to XXXX etc. To unlock my online banking to access my checking account. Unless i unlock i am not able to access my JPMORGAN investments. 
I wish all thr XXXX banks would not out sourse outside of united states on XXXX customers. Personal information gets out to foreign country and it is not safe. 
I need to have Chase reverse the charge immediately or send me a check for {$240.00}. Asap by XXXX XXXX XXXX 
I do not want to hear any excusese from Chase. 

Note. Chase XXXX XXXX and bankers were very professional and courteous and tried hard to resolve this issues at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I strongly believe management issue that outsourcing to overseas for us customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

http : //credencerm.com/ This company is calling people falsely claiming they are in debt and owe them money for services provided by XXXX. They will not stop calling. They have XXXX accents and are looking to trick people into giving them money. They are committing Fraud. I don't want anyone to be a victim of their scheme. They should be shut down. They claim that they are headquartered in XXXX XXXX XXXX # XXXX, XXXX, TX XXXX
Product: Checking or savings account

I submitted my dispute to JP Morgan Chase Dispute Department on XX/XX/XXXX. 
Claim Number : XXXX I explained customer service representative that I'm disputing a transaction that was posted on my checking account on XX/XX/XXXX with merchant XXXX for {$27.00}. I disputed this transaction with my bank due to merchant cancelled the above referenced transaction per my request and the clerk at XXXX  station confirmed to me that my debit card ending in XXXX would not be charged since I did not fill a gasoline. 
I noticed that my debit card was charged on XX/XX/XXXX for {$27.00} from the merchant. I have been trying one more time to resolve a cancelled transaction with a merchant on XX/XX/XXXX and it was unsuccessfully. 
Therefore, I submitted claim of disputed transaction to JP Morgan Chase on  XX/XX/XXXX and bank accepted for research and I was advised that temporary credit will be issued to my account until they complete their research. 
On XX/XX/XXXX, I received a letter from my bank that notified me that they completed their research of my claim and found that the transaction was processed correctly or was authorized. 
I called dispute department on XX/XX/XXXX and spoke to representative who advised me to contact merchant directly to resolve dispute. I also spoke to account specialist Supervisor named XXXX and she was assisting me with my dispute. Supervisor advised me since the bank has no dispute rights for automated fuel dispensers, the transaction is considered is valid and referred me to contact merchant directly to resolve dispute. I explained them that I have already contacted merchant and was unable to resolve dispute for this transaction. Chase advised me that temporary credit will be removed from my account. I informed bank that I did not receive any service or merchandise from the above merchant, therefore I'm loosing my money. Supervisor confirmed me one more time that bank is loosing my since they do not have dispute rights for this transaction. I completely disagree with Chase research and submitting my complain to Consumer Financial Protection Bureau for further review.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and 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 3 MONTHS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for 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 USC 1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( 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 good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my Experian Credit Report regarding showing  XXXX  different debts for the same account. My account was closed with  XXXX  's in  XXXX   XXXX  and transferred to  XXXX   XXXX . The balance due when closed was  XXXX  Experian has continued to show a past due on the account up to  XXXX   XXXX . Furthermore, I explained that. In a recent dispute I explained that the debt had been settled for {$260.00}. Experian has updated the report to the account as " charged off {$520.00} written off. {$260.00} past due. '' The account with   XXXX   XXXX   as been settled for {$260.00}.
Product: Bank account or service

In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.
Product: Credit reporting or other personal consumer reports

I DON'T HAVE XXXX XXXX FOR THE PAST 10 YEARS!!! ON XX/XX/XXXX  EXPERIAN FILED AGAIN A FRAUDULENT COLLECTION FOR {$380.00} ON BEHALF OF XXXX AND AGAIN DECREASED MY CREDIT SCORS BY XXXX POINTS : FROM XXXX TO XXXX. 

MY CREDIT REPORT AND PAYMENTS WITH XXXX AND XXXX IS ALWAYS EXEPTIONAL! IN THE LAST 3 YEARS EXPERIAN PLACED 4 TIMES ON MY REPORT A FRAUDULENT COLLECTION FROM 4 COLLECTION COMPANIES ON BEHALF OF XXXX FOR THE SAME AMOUNT : {$380.00} S. EXPERIAN DECREASED AGAIN MY SCORS BY XXXX POINTS EACH TIME, FROM XXXX POINTS TO XXXX POINTS. 
THIS IS A REVENGE BY EXPERIAN : 1 ) I REFUSED TO SIGN UP FOR THEIR " MEET EXPERIAN XXXX XXXX '' TO PAY THE XXXX THE FRAUDULENT {$380.00}. AND 2 ) IN THE LAST 3 YEARS I REFUSED TO FILE A REVIEW- TO RATE EXPERIAN EMPLOYEES ' HELP - THEIR EMPLOYEES ACTED WITH REVENGE. 

I FILED A NEW DISPUTE # XXXX WITH EXPERIAN FOR THE SAME ISSUE {$380.00} XXXX COLLECTION. DESPUTE-REPORT # XXXX DATED XX/XX/. I MAY NOT HAVE A CHOICE BUT TO SUE EXPERIAN.
Product: Credit card or prepaid card

I AM VERY XXXX XXXX XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND IT IS NOTED ALSO ON MY ACCOUNT. 

I HAVE BEEN POKED FUN OF AND GIVEN THE RUN AROUND TOTALLY TODAY JUST BECAUSE 6 FOLKS REFUSED TO ACCOMODATE ME NOR GET ME A PERSON THAT I COULD HEAR. 

MY DISPUTE WAS NEVER PUT THRU.
Product: Debt collection

XXXX XXXX XXXX of XXXX, Va. struck up business with me XX/XX/XXXX. A contract agreement was set in motion. I gave them a cancelled check to debit my XXXX XXXX XXXX acct for {$39.00} onthly. THEY FAILED to have a functional office staff to get the payments started. They began a draft to my acct. on XX/XX/XXXX & XX/XX/XXXX, nothing in XXXX. Why? Turned me over to a collection agency : Hillcrest, Davidson, & XXXX. who have called with harassment, etc.since XX/XX/XXXX each day ( XXXX times/day ). I had surgery on XXXX, had my daughter to fax cancelled check copy, copy of drafts from my checking acct, copy of orig. contract. Now that I HAVE defaulted on contract ... things have " accelerated '' and I owe {$3500.00}. Or, I possibly can reinstate for {$560.00} by XXXX XXXX. These people target XXXX customers ... with whom I was with before XX/XX/XXXX. I believe they target XXXXXXXX/I am XXXX ... XXXX customers in the hopes they we do n't notice their lack of business skills & get caught up into the mess I 'm in. This happened to a friend of mine ( XXXX yr old XXXX customer ) who lives in the northside ... but she could n't talk when approached because she is her mother 's caregiver. She told XXXX to come back " next week ''. In the meantime she called XXXX and was told what has been going on. When XXXX returned she had her cell phone ready & recorded the exchange & says she too the salesperson 's picture. She told him to get off her property & told him never to return. She was spared this mess. I have apologized to XXXX ... twice & I want them back ... if I am ever able to get out of this! The lie was " upgrading to wireless '' & save a little bit of money ( from {$43.00} to {$39.00} monthly ). What are my " rights '' in this " set up ''? XXXX & XXXX ... installers & monitors seem to have it all in their court.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.
Product: Checking or savings account

Wells Fargo continually gave me problems from XXXX to XXXX when I finally had enough of them not crediting my account, overcharged fees, unauthorized debits, fraudulent deductions and not letting me use my card in XXXX, even though they were informed prior to my travel. I suffered greatly with there Managers unprofessional attitude/disrespect in XXXX at the bank there.
Product: Credit reporting or other personal consumer reports

I'm deeply frustrated and saddened by the situation with my credit report, where unauthorized inquiries have appeared unexpectedly. I've done everything on my end to resolve it, but the issue persists. I urgently request that you review my documents thoroughly and ensure these unauthorized inquiries are removed so I can put this matter behind me once and for all.