23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I was alerted to a Past Due notification from the FICO Credit Monitoring service for the above mention account. I called to dispute this information that was placed because the fact that I never applied or even applied for the Home Depot Store Credit Card. I was told that an investigation would be opened and looked into the matter. 30 days later I never received anything but was alerted once again about a Past Due payment this time a 60 day. I called and talked to the Fraud Department and was told that the investigation was closed due to the fact that I never disputed a single charge to the account. I replied that the whole account was fraud and that I never applied for the credit card. I was also made aware of a second Home Depot Store Card in my name. I was told that the authorized user that was on the account applied frequently using my information. I later spoke with the Fraud Department and was told that the account XXXX was deemed unsubstantiated for fraud because the person that opened the account was a family member and would have to handle it in civil court. They also stated that the account was opened fraudulently, but I was still liable. They reopened another investigation and as of the date of this letter it is in your recovery department. I received a letter dated XX/XX/2019  that deemed the account XXXX as unsubstantiated and now I am facing a 143 day past due violation. I was told by the Fraud Dept not to make any payments. The account was opened without my consent and I had no way to access the account because the mailing address, phone number, and email address was in my fathers name. I explained that my father passed away in XX/XX/XXXXand that if it wasnt for the fact that I had been alerted by the monitoring service I would never know that I had the account. I had no information regarding the account. My father opened an account with XXXX XXXX XXXX and I disputed that claim attached are the findings.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reposting 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 infeasible. 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 consumers safety.
Product: Credit reporting

While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against SETOYOTA FIN XXXX XXXX XXXX, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Product: Debt collection

I have an account with SELF FINANCIAL INCXXXX XXXX  with the Account # XXXX. This account inaccurately reported late payments from my credit report in XXXX, XXXX and XXXX. I never received a mailed statement where it indicates I was overdue. If I received a mailed statement I would probably make a payment immediately. This creditor violated 15 USC 1666B this is a billing error and paid as agreed on time.
Product: Checking or savings account

I have reviewed my XXXX report and have found accounts with US Bank that have account abuse on them, I have never had a checking account with US Bank. 

These marks on my report have ABSOLUTELY NO MERIT. 
I have filed a theft report with the Federal Trade Commission ( FTC ), and XXXX XXXX County Sheriffs Office. 

I will be filing a report with the Office of the Attorney General of California - XXXX XXXX documenting the fraud and the actions I have taken to have these removed.
Product: Debt collection

Credit Collection Services tried to collect this alleged debt prior date XX/XX/2023. I made an FTC and CFPB complaint on XX/XX/2023, and the results came back that the alleged debt collector closed the account. Now they are trying to reopen the account. Complaint ID XXXX On XX/XX/2023, I received a letter in the mail from Credit Collection Services for the alleged debt, to collect on a debt not owed. My supporting documents will show the CFPB complaint and the response from the debt collector.
Product: Debt collection

A collection agency Midland Credit Management ( MCM ) has started insisting that I pay a bill for an account that I do not recall having a contract with. According to them, they are attempting to collect an amount for another account, for which I have already requested detailed evidence to help me understand. I asked for proof of the contracts between the agency and myself, including the start date of the contract and signatures from both partiesMCM and me. In response, I only received collection letters, invoices for a different account that they claim as theirs, and a letter stating the purchase of the account, but without specifying the full account details ( FULL ACCOUNT NUMBER ) or the documents I had requested, such as the contracts that would allow MCM to collect this amount from me, for example.
Product: Money transfer, virtual currency, or money service

PayPal is failing in its legal obligation under the FCBA to investigate my claim of a fraudulent charge on my account. They have a method for opening disputes, but though I have provided clear evidence to support my case, the resolution team clearly will not even read what I have submitted. This is evidenced by their closing the case under a reason that is both false and not at all addressing the cause for my complaint in the first place. I claimed that the merchandise was significantly different than what was advertised. PayPal closed my case under the reason " Buyer received item ''. As you can see, this not only does not address my complaint at all, but is also entirely false, as it is very clear on the seller 's website that the item will not ship until several months later. Clear proof that PayPal is closing cases under false rationale without even bothering to consider them as they are required to do under the FCBA.
Product: Credit card

I recently paid in full my Amex XXXX card balance in full on XXXX/XXXX/XXXX, 3 days before it was do. Total statement amount due {$3400.00}. Then, I received a new statement saying I owed {$20.00} for interest on purchases. My account was closed by Amex XX/XX/XXXX. So, I could not make any purchases at all. Further down the statement it shows interest charge calculation on purchase from XXXX/XXXX/XXXX to no date at 10.49 % and subject balance of {$2300.00} for a total of {$20.00} in interest charges. I have come to find out after calling Amex about this, its called trailing interest fee 's. My problem here is that the statement does n't tell you each month that you have a trailing interest balance of a certain amount and they just listed on my final statement as the interest charge on purchases not trailing interest on your account because you did n't pay the balance in full each month. This is clear deception by Amex against its Cardholders.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.
Product: Consumer Loan

Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report.
Product: Credit reporting

Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.
Product: Credit reporting

Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow suite as well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Product: Debt collection

Today XX/XX/2022 at XXXX a lady from XXXX called and said I owe money to XXXX XXXX for a medical debt. They have sent nothing in the mail from their company which she said it was called XXXX XXXX. I told her I want to dispute that and get an itemized statement of the charges as the insurance was not filed or any insurance paid on this bill. She told me that she can not do that and that I have to go through XXXX. Then I told her to send the debt back to them if she doesnt have proof that I owe the money and what is owed is for. She then said no you have to pay me now or I will just put it on your credit. I said legally you have to provide that information to me if you want me to pay you a bill I need proof of what you want. She then again ignored me and said I will just put it on your credit and hung up. So if they can not prove that insurance was billed or what the money they want from me is for then I am not paying someone that will not give me any information other than they want my credit card to pay them. I set a payment plan up on the patient portal and have been paying on this account. It is against the law to threated me with my credit when they will not provide what the money they want is for. They are to send this back to the original company and I will deal with them.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX watch at XXXX for {$420.00}, order # : XXXX. After several days of waiting without receiving my order I called customer service and was told the item had been lost in transit and a replacement would be delivered by XX/XX/XXXX. Instead, on XX/XX/XXXX I received an empty package with several red stamps saying, RECEIVED WITHOUT CONTENTS ... and RECEIVED IN DAMAGED CONDITION ( pictures attached ). At this point I called customer service to cancel the order and get a refund, which I was told would be processed within a week or so. I also called USPS to notify them about the incident. 
Since then, Ive called XXXX several times and been told that they had already issued the refund but Capital One wasnt allowing to receive the payment. After back and forth by phone with customer service and the promise that I would receive my refund I finally received an the first email from XXXX since this purchase but just to inform the denial of my refund, with the reason that the order was confirmed delivered on XX/XX/XXXX. After filing a dispute with Capital One and providing with all the details and evidence that I did not receive the item, they have refused to refund the charge. As my credit card company, I believe they are supposed to protect me from theft and/or fraud, which is obviously the case here. Attached are photos of the empty package I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Product: Bank account or service

Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. 
If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. These accounts was all open FRADULENTLY. This is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
ALSO, This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files Here is the account I am asking you to verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX XXXX XXXX got paid by the insurance company and still was trying to make me pay two different amounts
Product: Checking or savings account

I did not authorized an transaction coming out of account ending in XXXX of {$88.00} the bank of Santander located at mail code : XXXX XXXX XXXX XXXX XXXX, MA XXXX, I have file a dispute and the dined my dispute and is charging me overdraft fees and interest that not fair to my self, I still dispute this {$88.00} that cause my account to be over drawn sine the XXXX of XX/XX/2019, the phone number to this bank is XXXX, I need my money back into my account I have other bills that are coming and causing my accont to be over drawn, I am XXXX and can't afford the fees they charing me, this unfair, unjust, bad business as a bank to this unjust practice, unethical I want my funds back into my account with the the over draft fees took off.
Product: Checking or savings account

I contacted Capital One 360 to have them reverse a XXXX payment from a merchant who did not provide me with the service that I was told to transfer money for. I contacted XXXX and because the merchant had me send money they told me to contact my bank to reverse the charge. Capital One denied my claim saying it was authorized. I never said it was not authorized, I said I paid for a service that I never received!!! They usually ask you questions to clarify what happened between the merchant and myself and they did not ask those questions to properly investigate. They did not even investigate my claim for what the actual issue was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently check my credit report and seen that the following account XXXX was on my report. I never had an account with XXXX XXXX there fore its a result of fraud. Its hindering me from purchasing a house. Would like this account removed as soon as possible thank you.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy Chapter XXXX 2. XXXX XXXX XXXX Late Over 120 Days 3. XXXX XXXX XXXX Collection 4. XXXX XXXX XXXX XXXX Collection 5. XXXX XXXX XXXX Collection 6. XXXX XXXX XXXX Collection XXXX Inquiries : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XX/XX/XXXX Personal Services Not Medical XXXX XX/XX/XXXX Banking. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!