23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rash Curtis and Associates trying to collect on a debt not owed. 

It just showed up on my credit report late last month ( XX/XX/2019 XXXX ) ( XX/XX/2019 for XXXX and XXXX ) for the amount of {$850.00}. Which seem unusually high for a trip to the emergency room for the XXXX. It dinked my credit score 40+ points. 

The original creditor was XXXX. So I went to check all my bills from XXXX and my Health Insurance. Nothing remotely close to it. 

Never received any notification or any call. Aren't they by law suppose to send some kind of notification? 

I would also like a copy of the original bill
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 un feasible. 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 concerns about consumer safety.
Product: Debt collection

This involves XXXX XXXX Westlake Portfolio Management. If they are doing this to me- they are most likely doing it to everyone and it is a matter of business practices. I hope you are able to use this case to put with others and get them to correct their business practices to be better in line with our laws and consumer protections or stop doing business so others are not harmed. 
This is what I have submitted at the XXXX for XXXX and Westlake Portfolio Management, each : I am trying to make a payment to Westlake Portfolio for XXXX Payments. Their system repeatedly says " Sorry, currently our system can't process your request. Please contact customer service at ( XXXX ) XXXX. '' But when I call the number provided they say they will not fix their payment portal but that I have to pay them over the phone - which is a ) not secure over the phone and b ) does not fix the problem so I will have to call again next month and the month after because they refuse to fix their system problems. Then they threatened me to ruin my credit by reporting me to all the credit agencies if I do not give him my credit card information over the phone rather than fixing their secure online payment system so I can long in and make my payments. " You are already 10 days late and I need to take this over the phone today ... '' In fact I have the email with XXXX from XXXX trying to pay them and it is now XXXX. 

I am now filing with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Byte because my contract was with XXXX and they sold this contract to an inept and possibly illegal collection company and/or according to the website it is " XXXX Powered By Westlake ''. My hope is the Federal Government will be able to compile other cases and investigate. 

I contacted XXXX to get this resolved also and they simply gave me a form email to contact Westlake instead of resolving the problem either - and round and round we go while my credit is being ruined by these fraudsters!

You can see by the heading on their website that both Westlake and XXXX are responsible for this but neither of them is fixing the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX XXXX orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX Metro Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Product: Consumer Loan

I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
Product: Debt collection

Late fall of 2016 I was finally working after being unemployed for over a year. During my unemployment I was constantly making efforts to pay my debt to Sallie Mae. I always made a payment even if it did not cover the entire amount. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/2016 I was contacted by phone several times for payment. One time I was able to pay monthly payment in full and the next time I was not. I explained I was working two jobs and was willing to give a partial payment so as to not fall delinquent. The representative on the phone, who I have forgotten her name, stated she could not take any payment less than the full amount or if I wanted to avoid collections to pay a settlement price of XXXX. I was sure to tell her that I wanted to make some sort of payment and that in no way was I gong to be able to pay the XXXX settlement amount. She then stated " is there a family member, a friend or could you go to the bank and get a loan for the amount? '' to which I replied " if I had XXXX sitting in an account somewhere I would not be asking to make a partial payment. '' She continued to tell me she cant take any payment but the full amount of the settlement amount. I again responded with I can only offer partial payment. She then proceeds to tell me she will not be taking any payments except those two options. When I told her I couldn't do either. she informed me I would most likely go to collections and my credit would be ruined for a long time. I again stated I didn't want that to happen that was why I was offering something rather than nothing. She again refused and I ended the conversation. 

Fast forward a few months and I was contacted by XXXX XXXX. I immediately explained my situation and set up a payment plan, auto payment each month and I am in good standing currently. As of this morning I again reached out to Navient who told me there was nothing they could do for me to remove the credit rating issue off the report and there was no longer a settlement option available to me. I again asked to speak to a person who could possibly make a decision regarding removing the credit damaging status and XXXX the representative said there was nothing that could be done until the amount was paid off and it would continue to be reported to the credit beaurea until it was paid off. I again asked for settlement possibility and she informed me to call XXXX XXXX. 

I find this extremely frustrating and infuriating because I have been willing and able to make some sort of payment all along and refused that option. Then I try to make attempts and I get punished with only two options that were no realistic at the time. Currently I am up to date, never miss payments, and feel like Navient is impossible to work with. 

I don't know what you or anyone can do about this. I am recently married and trying to buy a home and because of Navients reporting I am not able to get pre-approval of any sort. Again I don't know what solution you can provide but all I want is to have the collections status removed from my credit report. I will continue to make my payments timely without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX  and XXXX  has XXXX my credit up again Account NameXXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX was removed 4 years ago b/c of id theft now put back on sent the police report and ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Checking or savings account

On XX/XX/2024 I received a phone call from a number identified as Wells Fargo customer service. The caller said fraudulent activity was detected on my debit card, did I recognize this transaction. I said no. They asked me for the rest of my debit card number and I said this sounds fishy. The man said of course, I understand, look at the back of your debit card. This is the number on there, no? It was. He also gave me some kind of " customer service ID number. '' So I provided the information he requested. Over the next couple hours, this scammer sent me text messages with verification codes that he claimed were needed by them to stop additional unauthorized fraudulent activity on my debit card. All of a sudden, the line goes dead. I call back, and Wells Fargo tells me they have not contacted me and it was a scam. I am out {$6300.00} -- all of the money in my checking and savings accounts at that time. I file a debit card fraud claim and a police report. Wells Fargo promised an investigator would call me to follow up and get more details from me, but that never happened. I was notified by letter a few days later that they determined I had authorized the transactions in question and had closed the case. I filed an escalated complaint. Ten business days later, another email/letter upholding the original investigation findings. Wells Fargo is violating the Electronic Funds Transfer Act by not reimbursing its customers for unauthorized debit card transactions and wrongfully holding customers liable when they fall victim to scams like this. They need to be held accountable and other customers need to be aware so they do not have this happen to them. This is a horrible bank.
Product: Student loan

Dear Sir/Madam, I have unsubsidized federal student loan and EdFinancial is the loan Service. On XX/XX/2024 I made a payment of {$4900.00} on with Payment Confirmation # : XXXX. However, I am not seeing it in my account on Ed Financial account. The amount has been withdrawn from my bank account. I already contacted EdFinancial using email, chat and phone., however they are unable to provide answer and when the payment will be credited. 

I believe there has been some issue with their system and they are not being honest. Can you please help me to have them credit amount {$4900.00} to my student loan account? 
Regards XXXX XXXX Company Info : Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXXedfinancialXXXX edfinancial.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to raise a serious concern about the inaccurate reporting of my account with " XXXX XXXX XXXX XXXX '', account number ending in XXXX, by Equifax. The information detailed in my credit report for this account contains several inconsistencies and erroneous entries that I have unsuccessfully tried to dispute on multiple occasions. Each time I dispute, it comes back as " verified '', but there is no evidence of a proper investigation being conducted to validate these disputes. 

Firstly, there is a lack of payment history data for the period from XXXX to XX/XX/XXXX. Secondly, there is a discrepancy in the late payment reports for XX/XX/XXXX ( reported as 60 days late ), XX/XX/XXXX ( reported as 90 days late ), and XX/XX/XXXX ( reported as 60 days late again ). These inaccuracies are negatively impacting my credit standing. Lastly, a case of repossession is reported twice for XXXX and XX/XX/XXXX, which I believe to be a duplicate entry. 

Moreover, despite these clear discrepancies, I have not been provided with any documents related to the repossession or any explanation on how the reported balance has been calculated. This situation becomes more problematic as, according to my understanding of the relevant consumer laws and Pennsylvania laws, the statute of limitations for this debt has already passed.
Product: Credit card or prepaid card

Apple Card has closed my account without any knowledge and without my permission without wanting to disclose any reason for closing my account. I have contacted Apple card and the agent has been unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

After making a payment on XXXXXXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is doing their normal delay tactic. You all know the current administration is stopping you from investigating XXXX Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request XXXX Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent Equifax, XXXX, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : Equifax : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE EQUIFAX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report Equifax. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter Equifax sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the Equifax report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report Equifax along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Product: Debt collection

I have filed an previous complaint for this account with Jefferson capitol LLC in there response they were unable to verify an account that matches the information provided, I have than reached out to the original creditor of this debit, They reassured me that they have sold the debit to Jefferson capitol LLC i also have evidence to show. If still unable to verify account. Please remove account from my credit report as it is in violation of my FCRA rights as an consumer. I am Unaware of this debit, I did not have the opportunity to dispute this information. if are able to verify, I did not receive proper notification if in fact you believe you gave me proper notification, please provide the certified receipt with my signature stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I called to have an inaccurate address removed from my credit report. They updated the address to another inaccurate address, instead of deleting inaccurate address completely. Ive never lived at the address reported.
Product: Debt collection

I received a message on XX/XX/2018 from my Aunt ( who has a private phone number ) and she said someone who didn't identify themselves called her looking for me and when she said who is calling they said they were calling from " XXXX '' and left a phone number for me to call them back. The number being XXXX. I recognized this number as it had called me on Tuesday, XX/XX/XXXX at XXXX XXXX. They did not leave a message. I looked up this phone number and it belongs to a company called Convergent. It is not a company that is listed on my credit report nor do I know what this is about. I did collections for 17 years and I believe they have violated the FDCPA as it states a collection agency can not call a relative if they have your phone number which they clearly do. And they keep calling my number. Also when they called my Aunt they did not identify themselves.