23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I haven't even heard of this company MRS BPO before however they have all of my information including my social security number. I didn't give anyone permission to pass around my personal information. MRS BPO stated that it came from XXXX, nevertheless, XXXX never contacted me to give my information out to MRS BPO. THAT'S WHY WE CAN'T GET OUR CREDIT ON TASK BC COMPANIES ARE PASSING IT OUT LIKE IT'S NOT PERSONAL. Majority times it's identity theft however other companies don't do any good bc they are still passing our information around to every XXXX XXXX AND XXXX. 
Fraudulent account and XXXX are giving others fraudulent access to my account.
Product: Debt collection

I have been receiving constant calls from this company and have told the agency before that when I am available to take care of this matter, I will. They have called me several times while at work and I have advised them that I am currently at work and to please call back later. The lady on the phone XXXX ' was extremely rude to me. I told her I am currently at work to please call later and she responds " Yeah whatever, you always say that '' and hung up in my face. I then called Fidelity Creditors back and asked to speak to a manager who then also started to mock me because of my complaint about the previous agent who called and was rude. He was like " Oh what bothered you so much? The fact that she called at XXXX? '' when I clearly explained to him what bothered me. The practices of this company is completely unprofessional and should be addressed as using these kinds of tactics to collect a debt only makes people hate these collection agencies even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with all 3 Credit Bureaus XXXX XXXX, Experian & XXXX  i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and XXXX  should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}
Product: Money transfer, virtual currency, or money service

My Skrill account has been completely unusable now for almost 3months. I have a balance in my account I can't access, despite having a debit card, I can't even transfer from my Skrill to another Skrill account, even though my balance is more than what I've tried transferring. I can't use my debit card and I can't even withdraw to my registered bank account. My account is in good standing, I've made so many calls and submitted so many support tickets I've literally spent hours trying to get my account fixed. However, in spite of the promises to get the issue fixed- since XX/XX/XXXX, NO ONE HAS CONTACTED ME OR EVEN REPLIED TO MY MANY SUPPORT TICKETS. NOT ONCE. I feel like I'm being scammed and my money is being stolen. When I try using the customer service phone number, there is no one available, just a recording, in spite of me calling within the posted hours of operation. This is RIDICULOUS! How can a company that is supposed to be trusted handling money for people be so incompetent and show a total disregard for their customer. The situation is so frustrating and the facts are so crazy it's almost unbelievable, except, it's all true. Since XX/XX/year>, IMAGINE, NOT- ONE- PERSON HAS RESPONDED TO EVEN ONE OF THE MANY SUPPORT TICKETS I've SUBMITTED. NOT EVEN AN ACKNOWLEDGEMENT. I should mention however, amazingly, they were able to deduct {$9.00} for Annual Fees, no problem.
Product: Bank account or service

I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX
Product: Debt collection

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number 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 XXXXXXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ;
Product: Checking or savings account

I had a Citibank account, I deposited my XXXX $ check, I had to send money to my family, and I only transferred from my XXXX XXXX to my citi account. Citibank closed my account while I had a transfer of XXXX $ being transferred from XXXX XXXX to citi. I get a email saying the funds were available on the citi account but i could not access the account, they sent a letter that my account was closed and I would receive the funds through mail this was around XXXX, XXXX comes I call to inquiry about my funds they say they need XXXX XXXX to fax over a Hold Harmless Agreement. I relay this message to XXXX XXXX, XXXX XXXX states they dont release those kind of things to other banks. I relay this message to citi bank and they pretty much said well thats what we need to release your funds. Its now XX/XX/year> and now they are saying I need to 3 way call XXXX  and citi bank so they can resolve it.
Product: Bank account or service

On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!
Product: Credit card

We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # : XXXX XXXXXXXX, XXXX. XXXXXXXX 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 have 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 an 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: Mortgage

My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.
Product: Mortgage

I applied for a refinance with Quicken loans in mid XXXX. I was told the terms would be 3.99 % {$100000.00} loan with 2.125 % points, with those terms, I agreed to put a " good faith deposit '' down of {$500.00} ( no one from Quicken told me that they could change the rates and terms after I put the deposit down ). Our appraisal came back at {$140000.00} and all of the sudden all rates and terms changed. ( I went to XXXX XXXX Mortgages and once again had an appraisal done 1 week later and it was {$160000.00}, {$37000.00} more! ). Anyway, Quicken changed my rates and terms no less than 5 times, even changing terms 2 times in one day! I thought good faith meant good faith by both parties. Their actions were not fair and entirely too confusing. Even my loan officer said she did not know what was going on. Of course, I no longer felt comfortable letting this company deal with my mortgage so I went to Ruoff and closed within a few weeks with no issues, but I am now out {$500.00} with Quicken and they refuse to return it. During this process, we also received calls from several different people from Quicken after we told them that we no longer wanted to work with them and some were even threatening, saying since we already applied with them, no other company would take us and we should just go with them. I don't think it is fair that I signed the " good faith deposit '' saying I liked the terms and wanted to proceed, yet they did not show " good faith '' back by changing terms over 5 times for no apparent reason. I think I should get my deposit back, as I did what I was suppose to do, they were the ones who did not. If this is allowed to continue, they could tell customers a false great rate and terms, take their money, then change terms and customers either have to accept the new terms or lose their money, it is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : LATE/CLOSED XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}
Product: Debt collection

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX  years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX. Please see the attachments.
Product: Credit card

Chase credit sold credit cards that was not mine to XXXX party robo card collectors. It is still showing up on XXXX. Thank You
Product: Debt collection

I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding Zelle 's handling of disputes, in regards 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. They informed me that recovering lost funds and tracking these transactions was not possible. 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 XXXX users vulnerable to the scams. It gives serious concerns about consumers safety.
Product: Checking or savings account

A fraudulent check was mobile deposited at XXXXXX/XX/XXXX. XXXX honored the check by withdrawing funds from my account at Truist but did not release the funds to the fraudster. 
XXXX notified me and after confirming it was a fraudulent check did not release the funds. My bank is telling me it will take up to 45 days to return my funds. There is no victim here but me. The banks are holding my funds even though they have no reason to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate an account on my credit profile for. XXXX XXXX XXXX, Dept of Ed/XXXX, and U S Dept Of EducationXXXX this is not my account and I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant sign into my equifax account and when I called equifax said that theres so incorrect info and discrepancies on my credit report so that is why equifax wont let me sign into my account \
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  has continuously and falsely verified this alleged account.Experian, XXXX  and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX