23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T.

1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT.

2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 

3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 

4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 

5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 
6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 

7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. 

THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX   TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. 

WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. 

PLEASE HAVE SOMEONE CALL ME ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of EDXXXXt violated the United States Code Law. As detailed in 15 U.S. Code 1666b, 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Product: Debt collection

I have numerous amounts on my credit report some for over {$700.00} and one for over {$1000.00} as well as some under {$100.00} I have called the hospital where they claim I owe and I have a {$0.00} balance and they dont know why Im getting charged when I have Medicaid and they were supposed to cover it! I havent received any bills either the only why I know about them is when they show up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following fraudulent account need to be deleted/removed : XXXX XXXX XXXX # XXXX XXXX-XXXX  XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!
Product: Debt collection

A few days ago I received a letter from sunrise Credit Services out of XXXX New York they said I owed them {$110.00} for charter communications today they had called me and told me that I owe {$100.00} and want a payment over the phone I told him I do not owe that debt that I settled with XXXX communications already and that and I told him to send me proof of this debt and then he became very belligerent and threatening so I just hung up so at this point I did talk to spectrum or charter communications and they had told me that I only owe them {$40.00} I'm not behind and that I only need to make that payment when the bill comes this week and I'll be clear and free with them so obviously this company is a scam and I would appreciate if someone could investigate them thank you very much
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had XXXX days according to LAW to remove such items. 

TRANSUNION has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX as Representatives of the several Underwriters c/o XXXX, XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I just had my first XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Product: Debt collection

On or around XX/XX/XXXX, I ( SS # XXXX ) and my now wife XXXX XXXX ( SS # XXXX ) received notification from my credit monitoring system that a collections account form Hunter Warfield was reported on my credit profile in the amount of {$160.00}. The original creditor is XXXX at XXXX XXXX which is my primary residence. I contacted to property manager in person and via email about this debt because our rent has not been late, nor have we carried a balance and this was our first time learning about this debt. The property manager explained that the balance was from the unit we transferred from. ( we moved from unit XXXX to XXXX earlier this year ) We see the apartment staff at least once a week and we pay our rent via their online portal and we were never notified of this debt. We asked the manager to remove the debt from our credit because we never were given notice of the balance due prior to being sent to collections. To date this item still remains on our credit. We don't have an issue paying the amount, our only concern is paying the amount and it appearing on our credit profile as a paid collection when it shouldn't have ever been placed in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom has long known that certain creditors have policies against negotiating with debt-settlement companies such as Freedom.

18. For example, in late 2011, XXXX XXXX XXXX XXXX XXXX, a local XXXX XXXX XXXX XXXX, aired a story about two Freedom customers who complained about Freedoms inability to settle debts they owed to XXXX XXXX  confirmed to XXXX XXXX that it does not work with debt-settlement companies. So as early as 2011, Freedom had notice and knew or should have known that XXXX would not negotiate as a matter of corporate policy. 
19. Freedom has actively sought to reverse creditors policies against negotiating with debt-settlement companies. For years, it has maintained a team I was charged a total of {$6500.00} to date to settle XXXX worth of debt. Freedom debt relief is still negotiating with XXXX knowingly not able to settle the debt. They claimed that they paid XXXX 3 times because of a one time failed payment. They lied about the time frame of the settled debt. They mislead me by not informing me of the fees and time frame in which the debt will be resolved.

Freedom did not disclose to consumers before they enrolled in its program that they might be required to negotiate with creditors on their own, including by deceiving their creditors, in order to settle their debts. Freedom also did not disclose to consumers before they enrolled in its program that Freedom charged consumers its fee, usually in the thousands of dollars per enrolled debt, even when consumers themselvesnot Freedomnegotiated the debt settlements.
Product: Debt collection

This was removed from my credit report once.. Now it's sold to another dept company. It was done through a dispute through the credit XXXX  and XXXX  and never gotten back to the company so therefore they removed it
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. 
This lack of accountability and transparency is unacceptable and raises serious oncerns about consumer safety.
Product: Debt collection

Elevate Recoveries, Removed this medical collections off my XXXX ( only ) credit report on XX/XX/2021 and then put the collections right back on my XXXX ( only ) credit report on XX/XX/2021. 

I have sent several letters to this collection agencies to verify this debt belongs to me and they have failed to respond to any of my letters proving the debt. 

Under HIPPA laws they have failed to prove that this debt belongs to me
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$67.00} WHY IS THERE A DATE OPENED OF XX/XX/2023? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
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 proce 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my account from XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I never applied for anything. I have contacted the credit reporting agency and they said they can't help with hard inquiries or dispute them. I contacted the company and they said I have to fax a document, which I did but then they can't verify to me that they received the fax or provide me with a number to that direct department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being I have Rights under 15 usc 1681.Experian is govern by 15 1681.And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 usc1681 : I have the right to privacy and I did not give Experian written permission to pull my report
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Mortgage

Borrower suffered business loss resulting from COVID however he had another business that suffered as well but was able to recover. We submitted an application for assistance but was denied. One of the reasons for denial was borrower 's delinquency exceeded program guidelines for a loan modification. Borrower had saved significant funds but did not have all of the funds to reinstate. We requested information to determine what was the requirements for the program guidelines to qualify for the loan modification program. The representative refused to provide that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
Product: Student loan

I have contacted Aidvantage XXXX times regarding my student loans. I have been provided with incorrect information and/or no information. Often time the agent will put you on hold and never come back, or eventually the call just disconnects.The majority of the time they are not able to answer questions regarding the status of your loan. It is so frustrating especially with forgiveness programs require deadlines and proper enrollment status. I feel like this company is providing insufficient support for borrows and poorly training their staff. I feel like this is a scam.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I just recently became aware that a company called LVNV funding is reporting a collection account on my credit report as of XX/XX/2023, They are saying it is LVNV FUNDING LLC Last reported XX/XX/2023 {$2800.00} Open balance XXXX XXXX XXXX. 

This is the result of past ID THEFT. I do not owe this debt, nor was I ever even contacted about this via mail or any other means!! I have reached out to dispute this debt but did not get a good vibe that my claim of ID THEFT was taken seriously. I have in the past had quite a bit of fraudulent accounts opened using my personal info. My info keeps getting leaked on the Dark Web per my credit monitoring services. Alerts. i am attaching supporting documents in regards to this FRAUD ACCOUNT! I am a XXXX XXXX  who honorably served and am now still fighting only a different battle this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 4 attempts to dispute items on my credit report with XXXX and Equifax and they are sending me letters refusing to investigate my disputes.
Product: Debt collection

I've had this problem for a long time. I need this them removed. I've turned in all of the documents. The accounts are still on my report.