23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have filed via XXXX XXXX. that I owe them {$160.00} for services on XX/XX/16. 
I was quoted by Manager {$110.00} for the service. 
The cleaning was very inadequate and 5 items were missing from my home. 
I attempted to work things out about the pricing and that things that were missing but the Manager never responded to my call. I called again the next day and explained the situation and the Manager ... .just sat on the phone not responding! Never said a word!!

My XXXX comments never even got a response!
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a zero balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Could you please remove that from my credit report? And I work for the XXXX XXXX XXXXXXXX and I have for 22 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX* Balance : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquires on my credit report with Equifax for the past 7+ months. I've submitted 1 complaint in XXXX and it ended up closed. All I received from Equifax was my current credit report. Nothing more and no help. This company by far has been the hardest company to get help with as a consumer. I had spoke with a gentleman by the name of XXXX in XXXX with Equifax and was told to file a complaint through the CFPB. When I called XX/XX/XXXX, I spoke with XXXX. I was told that I needed to file a police report, which I've spoke with the XXXXPD numerous times and was told that they were unable to file a report. I explained that to him as well as my previous complaint. XXXX then told me that in my previous CFPB report i never included that companies and dates. Once I submit he told told me that they would be removed. XXXX  XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Auto XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Thank you for your help in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts reporting to my credit. XXXX XXXX is reporting to my XXXX and XXXX/XXXX  is reporting to my TransUnion. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with TransUnion that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
Product: Debt collection

OneMain Financial XXXX XXXX - XXXX XXXX XXXX XXXX, Texas XXXX Employee from the office listed above contacted my place of employment and left a message on a General Voicemail for the company - on the voicemail the employee stated my name, that she was from One Main Financial and that I needed to contact her immediately to make payment on my account. This is a general voicemail for the company and not my direct voicemail - Furthermore, I submitted a formal request to XXXX XXXX previously to remove all of my contact information and to cease and desist in any phone related contact. I did not share or provide my current employment contact information either. 

Completely unacceptable to call my place of employment when the information was not provide and a formal request was acknowledge and accepted by the Manager of this office.
Product: Debt collection

ASSETS ACCEPTANCE HAS PERUSED ME OVER A 25 YEAR PERIOD. SINCE XXXX. THIS IS ABOUT AN ALLEGED LAPTOP FROM XXXX XXXX ; WHEN THEY FIRST CAME AFTER ME IT WAS {$5000.00} AND NOW IT IS {$8000.00} GROWING TO {$10000.00} FOR A LAPTOP CAN YOU BELIEVE THIS?? A HOUSE PAYMENT FOR A LAPTOP THAT I DON'T HAVE OR POSSIBLY EVER HAD. I HAVE LOSS XXXX XXXX ; BECAUSE THE MONIES WAS NOT GIVEN TO ME ; THEY HAVE GARINISHED MY TAXES SEVERAL TIMES OVER THE YEARS AND I HAVE ASKED FOR THE COMPLETE AMOUNT OWED AND ORIGINAL DEBT AND CONTRACT ; AND GOT NOTHING IN RETURN ; WE HAVE BEEN TO COURT TWICE AND THE LAST TIME. IN XX/XX/XXXX THE JUDGE TOLD THEM TO PROVE THIS WAS EVEN MY ACCOUNT THEY REFUSED TO DO SO AND IGNORED THE ORDER. THEY HAVE THREATENED ME WITH GARNISHED WAGES AND SO I PAID THEM TO KEEP THEM FROM GARNISHING MY DREAM ONLINE TEACHING JOB ; THEY CANCELLED THE LAST ORDER AFTER THE JUDGE TOLD THEM TO PROVE IT AND NOW THEY HAVE WAITED AND COME AFTER MY TAXES AGAIN ; I AM A NEW ONLINE TEACHER AND DON'T WANT TO LOSE THIS POSITION, I ALSO WANT TO AVOID BANKRUPTCY THAT WILL STAY ON MY FILES FOR 7 YEARS ; THEY SHOULDN'T BE ALLOWED TO CHASE CITIZENS LIKE THIS AND RENEW ACCOUNTS INTO INFINITE YEARS. I MEAN WHAT ARE MY RIGHTS?
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 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 user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I have both a private loan and federal loans serviced thru Navient. In late May we sent in a payment to pay the balance in full for both the private and federal loans. The check was sent in one single payment and was only applied to the private loan leaving a negative balance on the private, while the federal shows as unpaid. Since XX/XX/XXXX, I have been in constant communication with Navient trying to resolve this issue. Several times they've stated they would correct the issue, but it never goes resolved. The payment is still showing on my private loan while negative balance while negative credit activity has been reported to all credit bureaus. I've spoken to supervisors on both the private and federal sections who both stated 1 ). the money will be transferred to my own checking account so that I can go and make the payment myself. 2 ). they will do an internal transfer from both account to take care of the balance.
Product: Mortgage

Obtained an in-house mtg with First Citizens Bank XXXX XX/XX/2022. First payment was due XX/XX/2022. Made payments early and principle payments. Principle payments were not applied accurately and charged me interest on principle payment. One payment charged me 100 % interest which is illegal. Charged me a late charge even though multiple payments were shown. No one will listen to me and said they can not fix any mistakes from last year even though I have been trying to get this fixed since last year. I need help
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute the following accounts that have been inaccurately reported under my name. These accounts are not mine, and I am requesting their removal from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts were reported in error, and I request that they be removed under the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation once this matter has been resolved. If additional information is required, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent consumer disclosure of XXXX showed XXXX accounts opened in my name fraudulently. The disclosure was prepared for my Consumer ID : XXXX. 

On XXXX I had prepared a dispute for those items including a cover letter with a statement that the accounts were not mine, a copy of the disclosure with incorrect items circled, my personal identification, a copy of the FTC Identity Theft complaint I filed, and a copy of FCRA 605B ( 15 U.S.C. 1681c-2 ) for their reference. I had tried to submit this via the website but was experiencing technical difficulties so I sent the complaint via fax as well. 

On XXXX I reached out via telephone to ChexSystems to inquire if the dispute had been received and was being processed. The first representative I spoke with told me to wait 30 days for a resolution to which I responded that under section 605B it should be removed in four business days. He repeatedly told me that I was wrong so I requested his supervisor. 

The first supervisor I spoke with - XXXX - told me that the information wasn't removed because the ID Theft Report wasn't signed by a XXXX XXXX  XXXX. I clearly explained to XXXX that section 605B doesn't require that, and that asking a XXXX  XXXX to sign MY affidavit was absurd. XXXX said that it had to be a XXXX XXXX XXXX - NOT a XXXX  XXXX. I asked to speak with someone in his compliance department, and was told there was no compliance department. I then requested a manager or someone in authority that was capable of following federal law. 

The second supervisor I then spoke with - XXXX - apologized for the misinformation I had received but told me that the internal compliance department had left a note that the ID Theft Report had to be signed by a XXXX XXXX XXXXXXXX. I asked him how they had a compliance department when XXXX told me there was no compliance department. I then reiterated that section 605B doesn't require a law enforcement signature and that I had completed the four requirements by the letter of the law. XXXX explained that he didn't have " law books '' there to see what 605B was, so I kindly explained to him that he can look at the submitted dispute to see a copy of the statute. XXXX continued to tell me that the signature was ChexSystems requirement, and I continued to tell XXXX that they can't just rewrite federal law as they see fit. I then requested to speak to someone in the United States that understood the laws that govern ChexSystems operation. 

I was then transferred to XXXX who again apologized for the experience and said that she wanted to file a complaint about the handling of this matter, but reiterated that FTC ID Theft Reports need to be signed by a XXXX XXXX XXXXXXXX. I asked where that was stated in section 605B and also where - precisely - on the ID Theft I was to get a signature. XXXX was unable to answer these questions and said she'd ask for a supervisor to follow up. 

ChexSystems has an ongoing issue with properly following FCRA Guidelines and enforcement action should be taken.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My account was not handled properly I seen this lawsuit against Wells Fargo would like to know what steps to take
Product: Credit card or prepaid card

On XX/XX/2022, I was at a Kohls store in XXXX, AZ and shopping for XXXX. I went to the checkout lane and attempted to use my Kohls store card, but it wasn't working. I asked the cashier if they could look up my account number ( which they have been able to do before for me ) to get the coupon discount and she said she couldn't. She said if I hadn't used the card in a while it was likely closed. I asked if she could check. 

She said that she could run an application for me and it would check for open cards. I said I did not want another card and she assured me it would not open one without checking for an open card. I insisted that I didn't want a credit check or a new card- she again insisted that her " process '' would check to see the status of my current card. 

She had me answer questions on her kiosk in the lane. When the questions came up about my income and drivers license, I again stated that I did NOT want a new card. She was very confident that this process would not open a new card and that there " would be a screen come up first to find my data '' for my old card number. 

When the process was complete, a screen came up on her display that said I was " approved '' for a new card with a new limit. I told her that she opened a new card in my name without my permission and now I had 2 cards. Later that day, I confirmed that my first card was actually open. 

I then called to speak with a supervisor and informed them of all the details, and asked them to review their training with cashiers as I was extremely upset about a cashier lying in order to get kudos for securing a new credit application. I will also be calling to close my card now that I've received it in the mail and letting them know I've filed a formal complaint. 

I would like their practices for securing new applications reviewed. Later I learned that the exact same thing happened to my husband last holiday season and he had to call and cancel that card also. My daughter 's friend worked there during the holidays and stated that there is " significant pressure '' to open a certain amount of credit card applications. These actions are deceptive and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to Transunion and XXXX to dispute the incorrect status and nothing has been done.
Product: Debt collection

On XX/XX/2019 at XXXX MST I paid the collection agency in the amount of {$100.00} for a collections debt relating to XXXX XXXX. I have received another collection letter for the same exact debt in the same exact amount. I have called various times and no one will answer my calls. I have called all numbers on the letter as well as on their website. The collections agency is Renton Collections based out of XXXX Washington.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX. 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 those account 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 XXXX days before the payment due date. 


XXXX 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 XXXX 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 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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ). 

XXXX XXXX XXXXXXXX has violated my rights. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Eastpoint Recovery Group , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with XXXX XXXX, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia.
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.