23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! 

Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. 

I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!
Product: Vehicle loan or lease

A debt validation letter was sent to CAPITAL ONE AUTO FINANCE ON XX/XX/2020 with regard to a concern with possible non full disclosure and fraud with regards to the auto loan in question, by certified mail, which i have not received a response in the fair amount of time of 14 days that were given to them. below is the amount presumed to be owed that was not validate as of today. 

CAPITAL ONE AUTO FINANCE - XXXX, XXXX " WITHOUT PREJUDICE '' Sincerely XXXX XXXX XXXX of the XXXX XXXX family
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX, Md to look at used cars on XXXX XXXX. I was going to co-sign a loan for my sister because she doesn't have established credit accounts. My sister picked out a XXXX XXXX XXXX and we took it for a test drive. The salesman that greeted us name was XXXX. We went inside to apply for credit we were shown a printout with corresponding interest rates to fico scores. According to the printout my fico score of XXXX corresponded to somewhere between XXXX XXXX something. After XXXX the salesman copied and recopied information several times he came back and said we only qualified for 13 % interest and couldn't even get that without {$3000.00} down payment. I suggested to XXXX my credit application should be ran with lenders I have a relationship with. He assured us the credit application was ran with many lenders with the best possible rate. We left the dealership but decided to go back the next day. I decided to co-sign for my sister. Again XXXX assisted us we were there for hours signing and resigning the same papers over and over. Finally we were sent to the finance manager who was fully aware I was to be the co-signer on the loan. My sister traded a XXXX XXXX XXXX in on the loan which she was credited {$200.00} for. I got a letter in the mail from Ally Financial on XX/XX/XXXX stating that because if misrepresented or omitted information they determine I'm the owner of the XXXX XXXX XXXX. Me nor my sister omitted anything on the loan application I'm supposed to be the co-signer. I have talked to Ally financial and they say they can't change the names of the signer and co- signer because they just buy the loan from XXXX XXXX and they determine signer and co- signer. This is even though the dealer misrepresented or omitted information on the loan application. I also have found out my application was only submitted to Ally Financial which is a subprime lender. I believe this what resulted in a higher interest rate. I was also told that we could only get a 48 month term because the auto is seven years old I believe this is a lie.
Product: Money transfer, virtual currency, or money service

Im 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 fail to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these funds were unfeasible The CFPBS findings indicate that Zelle has not only neglected to protect consumers, but as also allowed repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i wrote Experian about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent XXXX letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.
Product: Debt collection

I have repeatedly told every person that has emailed me I have never borrowed money from this company and I do not intend to pay for something that is not mine. I've repeatedly asked not to be contacted and I am including a copy of one of the numerous unwanted emails demanding money or they will file a lawsuit against me. See below XX/XX/XXXX XXXX To :XX/XX/XXXX Bcc : XXXX Mon, XXXX XXXX at XXXXXX/XX/XXXX Case XXXX # XXXX Subject : XX/XX/DebtRecovery Balance Amount : {$890.00}. 



Dear Debtor, We are going to file a lawsuit very soon at United States District Court against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you ; kindly update us ASAP so that we can proceed. 



Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$4200.00}. 



Do update us with your intention that you want to resolve this case or you want to dispute. 



If you want to resolve this matter then we have settlement amount for you ; 1. If you can pay the amount which is {$490.00} by Today then we can close your file with this amount only. 



2. If you are looking for a weekly payment then you have to pay a total amount of {$800.00} with payment arrangement and you can pay {$100.00} weekly till paid in full.

3. If you are looking for bi-weekly payment then you have to pay a total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. 



AGAIN IF YOU WANT TO RESOLVE THIS MATTER THEN CONTACT US IMMEDIATELY ON THIS EMAIL. 

Yours Sincerely, Collections & Legal Department. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX @ XX/XX/2021 XXXX Privacy |Career| Terms of use Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. 





Reply, Reply All or Forward
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER disputed the referenced accounts listed below. These items were wrongfully deleted from the credit file. Those positive accounts are being reported by my creditors and you should be reporting the positive accurate information. 

Credit bureaus must report all account history accurately under the FCRA. 

In accordance with the requirements of the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete compliance with all of the provisions. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply by providing the requested information within the 30 days allowed. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately adding these listings back to my credit report. 

XXXX XXXX XXXX XXXX XXXX, Acct. No # XXXX XXXX Credit Card, Acct. No # XXXX XXXX XXXX Acct. No # XXXX XXXX XXXX, Acct. No # XXXX XXXX XXXX, Acct. No # XXXX
Product: Debt collection

The company is verifying information that doesn't exist. The address that theybare using doesn't exist. If you would research, you will find this to be accurate.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The XXXX sented me some copies they got from XXXX XXXX XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
Product: Credit card or prepaid card

i appli ed two credit cards from CITIBANK web online,    XXXX   accepted my applications and send me cards, i spent both cards amount what they were showing on their online promotion, but i did not get same promotions fro m Citibank, i called them and i went my Citibank branch, i faxed their online promotion offer copy   and i mailed them also.   so far i did not get my bonus offers.   they wa s two sep arate offers ; first card offered ; earn  75000   XXXX  h honors bonus points after making $  XXXX  in purchases within the first 3 months of account opening. ( which i spent more than $  XXXX  but i did not  get 75000 bonus poin ts ) second card offered ; e arn 2  weekend night certificates after $  XXXX  .- in p urchases within the first 4 months of account openin g ( w hich i spent more than $  XXXX  .-, but  i did not get certificates ) please help me  get my 75000 bonus points and 2 night certificates from Citibank which they were publishing on their web page that day i applied both cards, i am sending both copies i printed from Citibank web page.    this is a corruption and cheating from customers!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

On XX/XX/year>, my wife received a text alert about a {$26000.00} check and was asked whether or not to pay. Within 90 minutes we texted back and stated not to pay. The check was for estmated takes sent to the US Treasury, and the check had been stolen from a US Post Office, and forged. Chase paid the check and deducted it form my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the XXXX website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The XXXX website does not seem to allow for this to be disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXXhree credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a DISPUTE LETTER to Equifax and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked Equifax how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all closed off on my account. I asked for XXXX and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me getting it back up and going I am not sure if this is some mistakes as I assume it has to be I have not been able to get help from them for days they are not doing their job properly I thought you guys would help me thats why I filed a complaint against them my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

So on XX/XX/XXXX I made a car payment to American credit acceptance on they web payment portal. The amount was for XXXX. But on the next day I noticed it came out twice. The other being on XX/XX/XXXX. So now they have taken over XXXX from me. So I try to talk to them but nobody wanted to help solve it. So I contact XXXX  ( my personal bank ) and they gave me provisional credit so I can pay my insurance with some of the money which was on XX/XX/XXXX. Recently I noticed the loan said behind and they said I took the money back even though ents fraud department has yet to give the money back cause American credit acceptance refuses to respond to me or XXXX about the situation. I got the XX/XX/XXXX payment ready but not paying it till this gets resolved. But they are claiming they never got the XX/XX/XXXX payment even though it went through twice. Would like this solved with hopefully not getting lawyer but did some research online and heard they are a very shady company.
Product: Credit card or prepaid card

Two respresentatives scheduled unauthorized, continuous payments of {$160.00} to be debited from my account. I explained to the last respresentative that I would not be able to make any payments on the account and she began to take down my information for the hardship program because I informed her as I did the other representatives, that I was unemployed. Between XX/XX/XXXX and today, 4 withdrawals of {$160.00} have been debited from my account with 4 insuffient funds fees of $ XXXXXXXX/each. Managers and representatives said they could not stop the withdrawals and that I scheduled the payments online. I explained to them that I have not scheduled any web payments since Ive been unemployed and that I explained to the representative that I can not make the payments and interested in the hardship program. The managers/representatives were rude and placed me on hold for long periods of time and said they couldnt stop with withdrawals even though they have access to my account after I requested them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows Transunion, XXXX XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 9 violations.
Product: Checking or savings account

T D Bank on XX/XX/18 had my account one pending for {$280.00} the next is was {$260.00} I had a check payable to XXXX XXXX XXXX for {$280.00} there was a deposit of {$300.00} showing when I left the bank the next hour it was {$260.00} then my account was drafted for {$35.00} then I call then the lady was rude on the phone after I ask all the questions to verify the account. Then I ask to speak to a manager and she got upset and lock my account. Call back and the bank said my account was lock. I went to a Branch to get it unlock which was time I had to do for no reason. Sat there for over 30 minutes to wait to be unlock. My account should had never been  lock. T D Bank has bad service to the customers. I want my {$35.00} dollars back and I notice I pay some bills by Debit and it takes sometimes 5 to 6 days to clear.It makes no sense some one pays on a date and its 5 or 6 days later before the money is paid by T D Bank. I dont like how I  was done considering the payment was pending.
Product: Vehicle loan or lease

The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.
Product: Checking or savings account

I banked with capital one however I had fraud with my checking account and instead of capital one bank investigating the fraud they just closed my account and ended there banking realtishop with me I would like to have my accounts reopened
Product: Checking or savings account

Bank of America sent me a check for harm incurred during my " HARM PERIOD '' which spanned 2 years XXXX XXXX XXXX  for witholding funds from me during that time period. 

Included int hat letter they stated that I may apply for additional compensation via XXXX XXXX website. I applied in XX/XX/year>. Multiple emails back and forth from XXXX asking for additional documentation showing the harm I incurred during my harm period. 

I suffered XXXX reposession approx. $ XXXX. XXXX eviction approx. $ XXXX. I lost XXXX separate vehicles during that time, each vehicle worth under $ XXXX each. 

They also stated I could apply for fees charged by instiutions for missed payments and fees and interest charged etc. 

I am attaching XXXX of the documents i included or later uploaded in response to their XXXX separate requests for additional information. This spanned from XX/XX/year> to XX/XX/year>. 

This was very cruel. They say you can apply for additional compensation if you incurred serious harms such as evictions and reposessions during your harm period, which I did. And I showed proof of. Only for them to make a final decision saying that I did not show proof of harm incurred during ym harm period. THIS IS A BLATANT LIE AND UNTRUE. 

After their final decision, they state that the decision can not be appealed or re-decided. 

Please help.
Product: Credit reporting or other personal consumer reports

Hard Credit Pulls on XXXX XXXX and Equifax that were never authorized by me.