23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC
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Product: Mortgage

My original mortgage was with XXXX mortgage. They sold the loan to Roundpoint mortgage in XXXX of XXXX. The process appeared to be ok until I got a bill for a forced insurance policy 3 times the cost of what I was paying for the policy I already had in force. When I called for an explanation from Roundpoint, they say they had been trying to contact me, sending repeated letters to my undeliverable address and getting returned mail. Apparently XXXX had not passed on my correct mailing address and e : mail. So, after I gave them correct contact info and proved I had had full insurance in place, they refunded part of the forced insurance premium, leaving an $ XXXX balance in a involuntarily forced escrow account and adding to my mortgage payment. It turned out they were still needing proof of insurance starting XXXX XXXX when they took the loan over. Again, no attempt to contact me was received by me even though they had the correct info now. So once I straightened this out on XXXX XXXX XXXX, they said they would refund the final money, clear my escrow account and reduce my payment to the original amount in XXXX business days, meaning at the end of XXXX. When absolutely nothing changed by XXXX XXXX XXXX, I called them XXXX XXXX XXXX and they said they were working on the problem but couldn't give any date it would be resolved, even saying a supervisor would try to expedite it. It has now been XXXX days since that phonecall and still I have no refund and my payment still includes the forced insurance amount. This ineptitude is unforgiveable, it needs to be resolved immediately and I also should receive a financial restitution from them for me trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and Updated Information Regarding Complaint # XXXX On XX/XX/22 American Express responded to my complaint and stated that they are following the law and not meet my demands. I am providing factual proof and federal law that American Express violated my consumer rights and must be held liable for their deceptive practices. They are in violation of the following federal laws and appropriate action must be taken on there end to resolve this matter. Please see the attached documents in this complaint to ensure that they are in compliance. 

Violations Committed 15 USC 1681 ( a ) ( 4 ) - accuracy and fairness of credit reporting - consumers right to privacy 15 USC 1681a ( 2 ) ( i ) consumer reports do not contain certain information 17 CFR 160.10 - limit on disclosure of nonpublic personal information to nonaffiliated third parties 15 USC 1681n - civil liability for willful noncompliance 15 USC 1681b - permissible purposes of consumer reports 15 USC 1681c - requirements relating to information contained in consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX 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 unfeasible. 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?
Product: Student loan

They put my loans in administrative forbearance because they didn't bill me. then they sent an incorrect bill amount ( didn't include all my loans ) and made the bill due in less than a week from when they sent the billing statement.
Product: Credit card

I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.
Product: Credit card or prepaid card

I currently have a Target Store credit card. I received an offer by mail XXXX 2022. 
Target wanted to phase my Store card to a Target MasterCard. The letter stated I had to notify them by XX/XX/XXXX or they were going to change my Target store card to a Target MasterCard. So if I had not read the document in detail and called to stop this process, Target would have sent a card I did not want AND AT A HIGHER INTEREST RATE. This is a new practice and should not be legal. Consumers receive many credit offers by mail that require approval or activation. Consumers should not have to take any action to deny these multitudes of offers. New marketing scam from a company I used to respect.
Product: Credit card or prepaid card

On XX/XX/2022 at around XXXX I offered my social security number to my family members in order to finance their furniture at the Ashley Home Furniture store in XXXX New Jersey XXXX When giving my personal details to the sales associate XXXX XXXX, I specifically asked her if what I was signing up for was a credit card but she lied to me and said no it was just a reloadable gift card. Today, XX/XX/2022, I received an email stating that my new Ashley Home Furniture credit card was available to use. I reached out to the bank that issued it, Syncrony Bank and immediately canceled it. I reached out to the Ashley Home Furniture store manager and she did not even try to rectify her employees mistake and said that everyone knows that the card is a credit card and not a gift card.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HUNTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.
Product: Credit card

On [ date ], Citi notified me at XXXXXXXX XXXX  about a payment issue, claiming I provided invalid account information and that the account had insufficient funds. However, I have successfully used this same account to make payments on my Citi credit card in the past, and I confirmed that there were sufficient funds available. Instead of giving me time to resolve the issue, Citi immediately closed my account the same day without warning. 

I had a credit limit of {$3200.00} with a balance of {$2200.00}. My account was in good standing with no late or missed payments. When I contacted Citi for an explanation, they refused to provide a clear reason for the closure and would not allow me to reopen the account, treating me as if I committed fraud on my own credit card account. 

This sudden closure will significantly impact my credit score and utilization, and I was given no opportunity to correct the alleged issue. I am requesting that Citi : - Provide a clear and documented explanation for the account closure. 
- Reopen my account or, at minimum, ensure that no negative information is reported to the credit bureaus. 
- Acknowledge that my payment method was valid and allow me to resolve any outstanding balance without penalty. 

I am seeking CFPBs assistance as Citi has been uncooperative in addressing this matter and is providing falsifying information on my behalf. Research shows this is a common trend with this bank.
Product: Checking or savings account

Complaint for : Capital One Bank I am the caretaker ( power of attorney ) for two family members who received checks for funds from the U.S. Treasury. I was told I could deposit the funds into my account by the family members and a bank representative as long as all parties sign the back of the check. We both signed the back of the check and I mobile deposited funds. I later received a notification that they were closing my account due to fraud risk. They did not provide me any other information. They will not release the funds left in my account to me. There is over XXXX XXXX dollars left in the account. They said the account review could take months but then they told me that the account would be getting closed. When I asked how I could receive the funds left in the account, I was told I couldnt. The XXXX checks that were deposited have already been verified by the Treasury.
Product: Checking or savings account

This is the second complainT I am making as TD Bank responded to my complaint but did not resolve my issue. 

On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer. 

UPDATE : The check that was mailed was mailed to the incorrect address and addressed to my company which is closed. Therefore I never received the check. I was told today that now its going to take 90 days for a stop payment on the check to be made. I don't have 90 days. I need the money back now. TD Bank confirmed with me my new address to mail the check out and they still mailed it to the wrong address. I was on the phone for over 3 hours today and I'm beyond furious. My next step is going to be withdrawing all of the money out of all of my accounts and moving to another bank. There's no reason why it takes 90 days for TD to return my money back to me for a mistake they made. The check needs to be mailed back to me, to the right address and made out to me, not my busines as they business is closed. TD Bank knew this information before mailing out the check to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment this XXXX of 2024 on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments this year. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>2024 ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I was in the hospital with a XXXX. I had over {$600000.00} worth of medical bills. XXXX covered most of it. This was in XXXX. My brother told me a collection company called his house to collect my debt. Then today I got a letter from the same collection company in the mail. It stated that I owed {$190.00} for a doctor bill from when I was in the hospital. I told him I have been making payments on all of my bills. I wanted to know who the debt was from. He told me XXXX XXXX XXXX. I checked and I have not gotten a bill from them. I can't possibly pay a bill that was never sent to me to pay. Then they turn it over to this collection company that treated me like I was a criminal. He told me to research it myself. His job is not to tell me who was billing me or their phone number. I have no idea what this bill is for. I have no idea if it is even real. 
I think I should not have someone not send me a bill and then try to ruin my credit by turning it over to a collection company. That is certainly not fair and it doesn't seem legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint today to request to the Credit Reporting Agencies to remove the inaccurate address that is still being reported on my Credit Report despite the numerous CFPB Complaints I have been submitting. I believe I am a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I am requesting that the Credit Bureaus remove the following address under the provisions of the FCRA section 605b : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX TE # XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is ( XXXX XXXX XXXXXXXX XXXX Fl, XXXX. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 moths to Credit Innovation Group to fix my Credit. They has promised me that they can fix my in 1 month to 5 months. I went to check on my credit my credit its still the same with only disput. They have only put disputable on my credit thats it. I ask them for my money back but no respond back. Its Rip Off thats what they doing. XXXX Credit Profile Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX