23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can help.
Product: Debt collection

I made a payment of {$250.00} to settle a debt of around {$800.00}. Today it shows I owe the remaining balance. I called for a recipt of what I spent. They never sent it. They constantly lie.
Product: Money transfer, virtual currency, or money service

Please note that Under the Electronic Funds Transfer Act, which oversees electronic payment services, if an unauthorized person removes money from my account with XXXX, my bank must reimburse me as long as I report the fraud within 60 days after receiving my statement. In my case, I reported the fraud immediately. As such, I request that my money be reimbursed. 

Failure on Wells Fargos costumer service end to advise on adequate fraud steps, such as immediately close my compromised account and change the bank account number is not the costumers issues. I spent over an hour at the bank and several hours on the phone and the step to change my account number was not taken until I requested it days latercall logs are recorded. In comparison, other competitor banks took this step immediately. Additionally, upon adequate investigation Wells Fargo can tell that Ive never made a XXXX  payment to a thirds party not under my name. The fraud is clear and Wells Fargo failed to take precautions necessary to protect its costumers. 

Please note that according to the EFTA, if a financial institution breaks laws established by the EFTA, I may sue for damages in court. That is, if Wells Fargo refuses to credit the money back since Wells Fargo failed to prevent the transfer when I reported the fraud and told them to freeze the account. In this case, I am entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees.
Product: Debt collection

Capital one XX/XX/XXXX {$580.00} Charged off Date XXXX Credit card Not mine never had a credit card! Identity theft XXXX XXXX XXXX XXXXXX/XX/XXXX {$610.00} Charged off Date closed XX/XX/XXXX Credit card Not mine never had a credit card Identy theft. 
XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} Collections Address thay have is XXXX XXXX XXXX Never lived there I've lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my electricity is included in my rent. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( retail ) Opened XX/XX/XXXX {$3600.00} Closed XX/XX/XXXX Collections Not mine never been to a XXXXXXXX XXXX XXXX Don't know we're they are. 

Ex girlfriend an her boyfriend has my ID an know where I live found out she passed away an I got a police report I got to pick up Monday morning XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have noticed fraudulent inquiries on my consumer report, please see attached FTC report and remove the fraudulent inquiries please.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed unknown collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report ( Experian ) This debt collector has not provided me proper debt validation for this allege debt. Under code 15. U.S.C. 1692C they have violated my rights by in lawful communication. Please delete this debt from my credit report. Thank you in advance.
Product: Debt collection

On about XX/XX/XXXX I received written communication from Resurgent Capital Services stating I owe {$470.00} to an original creditor named XXXX XXXX XXXX XXXX that that debt is now owed to LVNV Funding LLC. On XX/XX/XXXX I responded in writing to Resurgent requesting validation, competent evidence bearing my signature showing that I have some contractual obligation to pay this debt. On XX/XX/XXXX and XXXX, Resurgent responded by sending me a printout of a bill payment dated XX/XX/XXXX. On XX/XX/XXXX, I again sent written communication to Resurgent Requesting verification of the debt. On XX/XX/XXXX and XXXX, Resurgent again only responded with a printout of a bill and request for payment. Resurgent has entered negative information on my Credit Reports in regards to this issue and has failed to send me viable evidence that I owe this debt.
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. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. has violated my rights. 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 card or prepaid card

A few days ago, I applied for a credit card. They did a credit check and immediately granted me a card with {$3000.00} line of credit. this small amount is meaningless to me and not worth having another company accessing my credit. Now, I don't even know what my card number is. I can't access them on the phone without a card number. I need to contact me about this credit limit and have no way of doing so. They accessed my credit information and now I have nothing in return. A {$3000.00} line of credit is meaningless.
Product: Mortgage

I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. 

I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.
Product: Debt collection

I received communication from a company stating that a debt is due from XX/XX/2014. I do n't own XXXX or XXXX for any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the accounts as Experian has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Experian has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Experian has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Experian still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/2018, I mailed my final certified letter to the Experian Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter to Experian and the proof that one of these accounts is in the wrong last name. 

Please demand that Experian uphold their obligation to delete all of these items from my credit report.
Product: Mortgage

In XXXX, I received an escrow analysis from Ocwen which indicated an escrow shortage. I paid the full amount identified as the escrow shortage. Yet, Ocwen raised my mortgage payment -- applying the additional amount to Escrow because I only paid the amount they indicated as the shortage. 

E-mail correspondence with Ocwen is available upon request.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from the my fico company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Thanks so much
Product: Credit card or prepaid card

In late early XXXX, I received an email from Comenity that my payment was late. Since I had only recently received the card ( which I did not apply for ) and had not made any purchases, I called and found out there was a charge for {$49.00} from a merchant I didn't know. I started the dispute process but was told I still needed to make a payment even though I was disputing the charge. I went online and made the minimum payment as instructed. I received an acknowledgment letter of my dispute on XX/XX/XXXX. I received another letter on XX/XX/XXXX stating that they had determined I was NOT responsible and would credit my account. Since that letter I've received no less than 5 calls from their collection department, they continue to charge me interest and late fees and I believe have reported delinquency on my credit report. In each phone call, I explained what was going on, was transferred to the fraud department, and was reassured that everything would be fixed. I also have a XXXX store credit card through Comenity and on XX/XX/XXXX received a notice that my credit limit had been reduced due to " a significant decrease in your credit score ''. Since every other credit account I have is either paid off or paid on time, I'm assuming they are reporting this account as delinquent. In addition to their collections calls, I called in and spoke with XXXX on XX/XX/XXXX and the fraud department again on XX/XX/XXXX about this not getting fixed. I need help to get this resolved and my credit restored. I would also like information on what other recourse I have since this has cost me time and damaged my ability to get a loan.
Product: Checking or savings account

Good Morning, On XXXX  XX/XX/XXXX I received an email from my bank, LendingClub Bank XXXXXXXX : XXXX saying the following, " We noticed some recent activity on your account that warranted further review. In an effort to protect your funds, we have temporarily locked your account and online banking access while we conduct our review. '' It is now XXXX XX/XX/XXXX and my account is locked. I am away traveling with my family in XXXX and without any access to cash money. 

Repeatedly LendingClub Bank has asked for documents from me, which I have been happy to supply. Additionally, I call and live message them every day in an attempt to see what we can do. They give me XXXX list of documents and after I supply them, then they ask for more instead of unlocking my account. Furthermore, they have asked for the same exact documents multiple times. LendingClub keeps contacting me on a secondary email address that I do not have associated with the account and when I asked to switch to my primary email address, they say they will switch, but then they do not. I keep contacting Lendingclub only to become progressively more and more frustrated with their intransigence and general lack of care for their customers. 

I should mention that I am not sure why they locked my account exactly, but it may have something to do with transfering funds from another account ( XXXX ) to LendingClub, even though I have done it many times before without any issues.
Product: Mortgage

The mortgage company took out {$1800.00} extra out of my escrow then tried covering it up. We did a three way call with the county that the write the check for to pay my taxes and the county told them it was only {$570.00} what I owed. They wrote the amount for {$2200.00}. I called them weeks in advance and told them I did not owe what they took out and up until last week they just kept denying it and saying it was the correct amount when in fact they were wrong. Now every time I call nobody will help me and they just say sorry nothing we can do even though they took the money out of my escrow. The county told them they wrote a check for way to much and they should have listened when I told them I did not owe that much
Product: Debt collection

Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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 CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I have had some medical issues arise and have been late on some payments acquiring a late fee. When I pay my bill online, it shows a breakdown of the payment. The car payment and then how much the late fee is. And the total. I have been paying the full total, the payment and the late fee. XXXX to find out even though they are charging a late fee, they then turnaround and dont apply the late fee to the late fee. They apply it toward the principal of the car payment. This is what I was told on the phone. I questioned the fact that its clearly listed when I make the payment so obviously I am paying the late payment yet they take the money and do something else with it. I was very upset and asked for documentation. I dont recall having ever received documentation. I was also told that even though the late payment is listed and Ive paid for it, you have to manually call each time and ask for the amount to actually be applied to the late fee. Which makes no sense. If you are charging me a late fee, and its listed as a late fee on the website when I pay, then I expect to be paying the late fee, there shouldnt have to be a call made to make sure the money is going to what Im being charged for.
Product: Debt collection

This company is trying to collect from a dead man which is my father and his estate in which he has no money if he is dead!!
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship XXXX XXXX XXXX company I believe the original creditor sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card

On XXXX XXXX, 2015 I received a phone call from Chase Bank, NA executive offices regarding an existing dispute/fraud claim with a vendor called XXXX located in XXXX XXXX XXXX XXXX. For background purposes, due to the negligence of Employee ( s ) of MEGDRIVE ( the vendor ), the vendors employees fruadulently and negligently gave control of my credit card to a third party who subsequently authorized charges to my card which I never agreed to nor was contacted for authorization purposes. I never authorized XXXX of the XXXX charges and in the case of the XXXX charge only authorized a partial amount of what was charged. 
The XXXX 's employees contacted a third person for authorization on my credit card. This occurred because XXXX 's employee failed to list the card holder ( which I am ) in the computer system, resulting in their contacting the XXXX party for all authorizations which I did not know about. 
Today, XXXX XXXX, 2015 I received a call from a CHASE Bank NA representative who stated that she was from the executive offices. Based on the representative 's statements it is clear to me that CHASE Bank has no clue or understanding of the issues in this dispute. The fact that this incompetence exists is detrimental to my dispute case. I therefore request summary judgement in my favor that all disputed charges be permanently waived because of CHASE Bank 's incompetent comprehension has a negative impact on the outcome of this case and I can not rely on them to correctly represent the facts on my behalf. 

Please have a representative of the CFPB contact me at the numbers listed below. 
Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to XXXX XXXX Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my XXXX XXXX. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.
Product: Debt collection

I received a threatening notice from Discover stating that they would in fact take legal action for alleged debt they claim I owe. I requested for said alleged debt to be proven by their corporation. Spoke to an agent and she in fact stated that legal action was being taken out on me. I informed the agent that their is no such actions that can be taken against me allegedly as they have to prove this alleged debt that I owe them. Along with failing to provide me all of the disclosures according to Regulation Z of the Truth in Lending Act, 15 USC 1603 - terms for " credit card '' for the purpose of obtaining money, property, labor, or services on credit. 
12 CFR 1022 Regulation V 18 USC 8 UCC 3-104 Negotiable Instrument Right to Rescind alleged contract. 

Discover has no lawful authority to harrass, coerce, nor threaten me for credits which it alleges that they extended to me. They need to prove that I XXXX XXXX entered into a lawful contract with them and that I owe said credits. My rights have been violated according to the Fair Consumer Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm seeing suspicious accounts on my report that I never consented too, and I believe this cant be legal because I've been denied to get credit and I'm confused if you don't mind taking a look at it thank you. I have both reports from XX/XX/XXXX and also the newest report for XX/XX/XXXX.