23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Made a {$100.00} purchase at a website that i realized was fraudulent. I was unable to contact the store to cancel the order so i turned to Goldman Sachs/Apple card to cancel the payment. They originally refunded me, but then came back to let me know that things had been delivered to me and that i was responsible. I let them know that this was not the case and that the merchant had provided a fake tracking number. This was also given to me on print so small that I had to use a magnifying glass to read it. They then rejected my claim for a final time. I lost {$100.00} to a fake store.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccurate is highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

FOR 5 YEARS I HAVE NOTICED AND COMPLAINED TO MY BANK ABOUT THEIR HANDLING OF OVERDRAFT FEES ON MY CHECKING ACCOUNT. WHAT THEIR PRACTICE IS IF THE ACCOUNT FUNDS ARE LOW AND THERE ARE INCOMING DEPOSITS AND WITHDRAWALS IS TO HOLD THE DEPOSIT AND ALLOW THE WITHDRAWAL FIRST IN ORDER TO CHARGE OVERDRAFT FEES TO AN ALREADY NEAR XXXX BALANCE ACCOUNT. WHICH IN THESE THESE TRYING TIME IS VERY UNNERVING AND STRESSFUL. OF WHICH THEY DENY BUT CONTINUE TO DO. YEARLY I AM SURE THEY AMASS SEVERAL THOUSANDS OF DOLLARS FOR THE BANK. AT A COST OF MOSTLY STRUGGLING MINORITIES I AM SURE.
Product: Vehicle loan or lease

KIA has reported my bill as late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I have called and spoke with a representative they admit it is an error on their part and the issue will be fixed but have not fixed it as of yet after numerous calls.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I was called by someone saying they were from Wells Fargo. They said there was suspicious activity on my checking account. This led to me being asked to make a wire transfer to help them catch the people involved. All the info they sent me was made to look like it came from Wells Fargo. I was scammed out of {$18000.00} dollars. Wells Fargo tried to put a stop to it the next day but it was too late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all XXXX self accounts
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00}
Product: Credit card or prepaid card

I have spoke to several team members over the phone. This item was purchased in XXXX of last year. This process has been ongoing and unsuccessful. Long story short I purchased the item and it was damaged so I returned it with the shipping label provided. I never got a refund. Spent several of hours with customer care rep 's line with broken promises. I can provide proof of my lengthily phone calls with the company over the last 6+ months. They can pull the last conversation since their lines are recorded. An associate said this matter was handled and I have been refunded.I recently spoke to someone and was told this was taken care of and I will not be held responsible for this purchase.It seems as if the item was lost by the postal service during the return or misplaced at Saks warehouse. At this point I no longer want to be a Saks card member after experiencing this lack of customer service. There is a current dispute in place. I have also filed with XXXX.
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. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2020 to dispute XXXX XXXX XXXX XXXX  on my report, my claim was that Experian should remove XXXX XXXX XXXX account from my report since it's reported multiple lates on my report, and XXXX XXXX XXXX failed in the past to verify old statements from my account, my original claim was that XXXX XXXX XXXX gave me permission to pay 10 days after my original due date, but after payment they still reported me late, I contacted the original creditor serval times but they didn't fixed the issue, so I asked Experian to remove it but they did not removed it, and kept this account on my report without proper proof from XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Citi Double Cash credit card a little over a year ago. I used the card for a large balance transfer with a promotional 0 % interest rate in XX/XX/XXXX. Afterwards, I used the card occasionally for expenses. Starting in XXXX, I called Citi each month and spoke to a service rep to find out what I needed to pay to satisfy the minimum payment on the balance transfer and pay the expenses since so I would not be charged any interest. I called XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each time the phone representative gave me an amount I would need to not have any interest payments and then took a payment of that amount over the phone. At no point was I advised I would be charged interest. Today, XX/XX/XXXX, I reviewed my previous month 's statement and noticed I had an interest charge of {$54.00} that month and then I realized I had been charged interest each of those months. I called and the phone advisor initially told me that appeared to be a bank error and he was requesting it to be credited back. I expressed my concern and he transferred me to a supervisor, XXXX, who told me that the disclosure on my balance transfer said that payments would first go toward the balance transfer and then to the purchases having a standard interest rate, so the interest was correctly applied. I told him I was never provided that information any of the times I called and requested that he refund the interest. He said he could not and that the matter could not be escalated further. I expressed my dissatisfaction, made a payment to pay the balance off in full, and advised that I would be filing a complaint.
Product: Mortgage

I sent total amount due to XXXX ( {$5100.00} XXXX to reinstate my mortgage on XXXX/XXXX/XXXX. According to XXXX monthly billing statement XXXX/XXXX/XXXX, this amount was due on XXXX/XXXX/XXXX, late after XXXX/XXXX/XXXX. The reinstatement payment should have stopped any foreclosure process. Nowhere on any paperwork from XXXX does it say funds must be secured funds. 

Meanwhile, XXXX transferred servicing of my mortgage to Carrington Mortgage Svc, but did not stop foreclosure proceeding scheduled for XXXX/XXXX/XXXX. Intuitively, I went to the foreclosure proceedings at XXXX XXXX XXXX 's XXXX foreclosure trustees ) office to make sure that the procedure was halted. I stringently affirmed to XXXX XXXX XXXX that I had paid total reinstatement amount showing them the check stub. XXXX XXXX XXXX employee stated that XXXX had n't informed them and they contacted XXXX. I specifically asked XXXX XXXX XXXX employee, " So what does this mean? Are you guys going to tack-on a few XXXX more in fees when I 'm already behind, after this? And, is the foreclosure process going to be stopped or not? '' XXXX XXXX XXXX employee said that there should be no additional fees, but that the reinstatement amount had to be paid in " secured funds ''. I told the employee it does n't state that anywhere on the XXXX monthly billing statement or in any paperwork from XXXX. I sent XXXX a check. The XXXX XXXX XXXX employee stated that I would be contacted by them if a new foreclosure date was scheduled because they had to discuss the matter with XXXX. 

About XXXX/XXXX/XXXX I received a reinstatement notification from Carrington stating that the reinstatement amount was now {$7700.00}. They had indeed added {$2000.00} in fees and {$140.00} in late fees. Furthermore, I inadvertently found out that there is another foreclosure date pending on XXXX/XXXX/XXXX, through a refi solicitation. XXXX XXXX XXXX never contacted me about a new foreclosure date and neither did Carrington Mortgage. 

Thus, I paid the total due reinstatement fee to XXXX on XXXX, I paid subsequent XXXX mortgage payment to Carrington. XXXX transferred loan servicing to Carrington Mortgage without inform XXXX XXXX XXXX or telling these trustees that I had made the reinstatement payment. The foreclosure would have been conducted on XXXX/XXXX/XXXX if I had not stopped it ( XXXX had time to inform trustees of payment ). Carrington Mortgage XXXX new loan servicer ) has added late fees and XXXX XXXX fees of over {$2000.00}. And, another foreclosure date is pending XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
Product: Debt collection

This communication is in response to the debt collection company " Credit bureau Association ''. On or about XX/XX/XXXX, an initial complaint was filed against XXXX. It responded to my complaint on or about XX/XX/XXXX. This complaint is being filed because of willful noncompliance from the debt collection company. I want them aware that they are now in the red and are liable to me for breaking federal law under the FDCPA where I will seek for actual damages in this matter apart from statutory damages since XXXX is recklessly disregarding my demand. My request was " This is a refusal to pay as allowed per section 1692c ( c ). Considering that medical debt is banned from credit reports, the debt being more than XXXX XXXX XXXX per the last payment date on my credit report regarding this account, due to a lack of information regarding the alleged debt this collection agency claims I owe, and violations under the FDCPA section 1692e et seq. Cease and desist. That includes all communication and collection efforts including credit reporting in which courts have ruled furnishing " collections '' tradelines on credit reports are an attempt to collect, an attempt to pressure consumers, and is a medium of communication to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). ''
Product: Debt collection

I took out a payday Ioan in XX/XX/2017 with a company call XXXX XXXX. A company called XXXX XXXXXXXX help is representing me. I have been making on time payments to them for several years to resolve this predatory loan. They have also been sent several cease and deceit legal documents forbidding them to contact me directly. They have called my employer and a threatened to serve me with legal papers. I told them that I would file a complaint it they contacted me again. They then called me on my cell phone and were extremely rude and aggressive. I had made every attempt to pay this loan back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and Transunion on XX/XX/XXXX and never received a response. 

Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a creditor reporting on my credit. They sold the debt to XXXX XXXX, XXXX. XXXX XXXX went through proper channels to send documentation stating they own the debt. At least six months to a year went by and XXXX XXXX then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent any documentation proving they now own the debt. I did speak to them once to obtain a letter that reflects a payment arrangement. I did not sign the payment arrangement agreement. They got my debt in their office and started calling me along with my boyfriend before sending any documentation via mail or email. The one document I did receive was a payment arrangement that I did not sign. They still proceeded to take my payment anyway without my signature and have left me two voicemails today. I have zero evidence that they own this debt and each voicemail they leave keeps getting more aggressive & threatening each time. They are in violation of FCRA, as they are contacting me about a debt for which they have no evidence, if they do they have failed to mail or email me.
Product: Credit card

In XXXX of XXXX, I filed 2 disputes with Comenity Bank. The first against XXXX, as I never received the product that I ordered, where the shipper left the product in some unknown location. The second was against a moving company, as they violated the terms of the contract, charged me over {$3000.00} more than the contract stated, and they didn't deliver all of my property. I was forced to spend almost another {$1000.00} to manually move the items myself. 

I tried to find out what I could do to address Comenity Bank 's failure to follow the law, but I wasn't able to find anything. I only found out about your agency today. My complaint with Comenity Bank is 1 ) They failed to send me a notice that they had received my disputes, and forced me send the disputes 4 times before stating that they would not do anything, which took a total of 7 months.

2 ) They failed to provide me with the exact reason that they denied the disputes.

3 ) They refused to provide me with any information about their investigation.

4 ) They stated that the department that investigates disputes can not be contacted, and that I have no option to contact them, directly, or indirectly.

5 ) While stating that they " found no fraud '', they canceled by card w/o my knowledge and issued a new card due to fraud, which caused havoc with my automatic payments, as they took over 2 weeks to send the new card and notify me that the old card had been canceled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX SSN : XXXX | DOB : XX/XX/year>XXXX  XXXX XXXX XXXX XXXX XXXX , TX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had coinbase account now for a couple years and one day all of the sudden my account was " under review ''. This was back on XX/XX/21 and they said it would take a few days. I then got an email on XX/XX/21 saying my issue was resolved, but it clearly has not since i can not get back into my account. I have reached out a couple more times and have not heard back from them. I would simply just like to get back into my account so I can pull out my funds.