23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/1923 I made {$900.00} payment to Amex. AT XXXX set on XX/XX/1923 I noticed that there was no funds in the checking account assigned to the payment and it didn't go through so I made sure money was there and tried another payment. At XXXX XXXX  Est I had an available of {$1300.00} but my card was declined at XXXX for around {$56.00}. I called AMEX and was told my entire account to include employee cards are on hold until the original {$900.00} payment is made so they are going to try 2 more times and after that wait 7 days if it is not there. I explained I paid it earlier on the XXXX. I was told it don't matter and I shouldn't have made the payment on the XXXX I called on XX/XX/XXXX and I was told this process is standard and they can not stop it. I explained I am losing business, invoices is not getting paid on my auto payments I have set up on this card. I asked them to provide me where this is written in my statement or terms and service they could not provide. I have lost money and business due to them freezing my account without any notice and terms.
Product: Credit reporting or other personal consumer reports

I have disputed transactions that were unauthorized and improper information on credit report. And this situation has affected my credit report score. My credit report score has not been accurate also in pursuit after the filing for bankruptcy also. My ex friend credit report or score still has not been fixed.
Product: Debt or credit management

Began " Credit Repair '' services with Lexington Lawfirm, their Premium package, for {$120.00} USD Monthly since XX/XX/2021. Downloaded their app, filled out their questionnaire on ways to repair my credit. Their reps and documents would emphasize that the repair process would take time to see any results, and I accepted this as fact blindly. I allowed the service to continue for 3 years. Over time, I'd miss other payments in order to continue paying for their repair services. Every 3 months or so, I'd see notifications of letters being sent on my behalf. I'd receive letters from the XXXX major credit unions statins how the XXXX negative items on my record are " Fair and accurate ''. I would receive XXXX correspondence from this 'Law service ' on how to improve my 'case '. Often I'd go in their app, refill out the questionnaire again like it was wiped or deleted with no indication how the attempt failed. I eventually tried different options hoping for different results, and the same process would occur - more notifications of letters being sent on my behalf, no communications as to what's happening, and letters sent to me from the bureaus stating how the information of my record was " Fair and accurate ''. Over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. When I would call Lexington Law to ask XXXXWhat should I be doing ' or 'what else should I be doing ', their 'paralegals ' would state that they are not authorized to give law advice on what I should do other than to take my questionnaire answers as cited. When I would ask to speak with some form of attorney, I was told I couldn't do that ( despite the name of their company giving the impression I was paying for legal representation ). 

I called Lexington Lawfirm today ( XX/XX/XXXX ) where XXXX respnded and asked how he could help. I asked him to pull up my case and to please explain a summary of my case, where it stands, and the statistics behind it. XXXX furnished the statistics cited above - over XXXX letters were sent, over XXXX challenges sent, and none of my negative items had changed. I asked again wha I should do to see progress on the case, and was met again with " I can't give law advice '', so I asked to cancel my subscription, and for compensation on XXXX results. 

XXXX cancelled my subscription and my case citing I have access to the Lexington Lawfirm app for 60 days for any files needed, and then elevated me to an attorney about my compensation. 

The attorney who answered was XXXX XXXX in XXXX, AZ. When I explained how I felt deceived by a service claiming " XXXX '' in their title and having absolutely no communication on my 'case ' on how to progress forward, I asked for at least half of my payments back given no results were achieved. She has assured that at least half of my subscription will be returned within the next XXXX business days.
Product: Debt collection

I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
Product: Debt collection

I have filed numerous disputes both online and in writing with XXXX, XXXX and XXXX for the item below. I called the company reporting this on my credit and reported this as fraud and then insist the debt is mine and refuse to supply the information required by the FCRA section 609 and 610. I have no first-hand knowledge of this account and do not live in the state which the debt collector alleges I originated this debt and then attempted to shift the burden of proof on my for something I can't prove or disprove except that I can't have a pet because I have an XXXX against having a pet since I was born and therefore was perhaps an act of identity theft. The company suggested I get a police report and submit that to them except there is an issue with the police being unable to take a report out of their jurisdiction and when attempting to get a police report from an office in the jurisdiction where the act of originating a debt occurred since I'm not a resident can't file over the phone and must be in person. I can't spend money and take time off work to travel to South Dakota to obtain the needed report which may or may not be cause for this agency to remove the defaming item from my credit reports so I'm filing a complaint against all three credit reporting agencies for willful non-compliance of duty on the FCRA guidelines as they are supposed to prove the alleged debt is mine and if they can't must remove all references of it on my credit report. 

HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Retail Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  E Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$450.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$920.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information Please take whatever action needed to get these four agencies to remove the item from my credit report as this is not mine and it's keeping me from using my credit in the most efficient way. 

I have no knowledge of this company and never agreed to do business with them or their client noted herein and am being told to take action to verify something I have no firsthand account of but instead third-party foreign to me telling me what the matter pertains to. By law of agency and law of contract, I can not be bound to bear the burden of proof in this matter because I have given no consent for service of either of these companies. 

This matter has been disputed with the three credit reporting agencies for the last 2 years with letters and online disputes of which the credit reporting agencies can validate.
Product: Credit card or prepaid card

In 2017 I sought treatment from XXXX XXXX  in XXXX Ohio. I was given a credit card with XXXX XXXX. Although I attempted to resolve issues with both the company and bank I received circular referrals that led no where. I recently completely paid the {$3000.00} even though the service was painful and unsuccessful, and to me, medically unsound considering my condition. I simply wanted to be done with it after repeated efforts to seek recompense short of a civil suit.Now the bank is charging me an additional {$1500.00} deferred interest. I am a senior, in the process of being determined XXXX. I filed with the XXXX  and am filing on XXXX  XXXX as I have seen other complaints against XXXX XXXX and have received emails from other consumers.
Product: Checking or savings account

I 'm  XXXX   USAA closed my account because someone stole my account information and deposited a check into my account. I advised them it was not me and provided my drivers license and even asked them when I was notified a check was deposited that it was not me and to please stop the check or close and reopen my account. I never heard or received warning and my account was closed. My dad has been with them for 30 years he added me with USAA now I 'm blocked f rom them and it 's making me look horrible when trying to open a bank account. I called  XXXX   XXXX  to see if they can relook at the issue and heard nothing. I wa s with USAA for years an d never had a problem.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MBA LAW account with a balance of {$590.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER written me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Debt collection

I have filed multiple complaints against Consumer Adjustment Company ( CAC ) for their unlawful credit collection and reporting practices. CAC is continuing to falsely report on my credit files thus violating my rights and the law. CAC has, once again, put a collection on my credit file for an alleged debt that is past the Statute of Limitations to collect and has not been legally verified. CAC has NEVER sent me anything in writing through my mailbox or email ( I have searched my entire email box, including spam ) as they claim, in regards to this alleged debt. I have had no opportunity, whatsoever, to dispute this alleged debt prior to CAC reporting it on my credit files and causing continued damages. Furthermore, CAC has not been able to legally verify alleged debt to me. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, CAC is continuing to violate the law and my rights. 
Thus, CAC is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, CAC is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is irrelevant and not pertinent as per Statute of Limitation laws.

I demand Consumer Adjustment Company, including any and all its affiliates, to remove ALL collections from each of my credit files immediately and permanently.

I also demand CAC cease and desist ALL collection attempts on this alleged debt immediately. Due to Consumer Adjustment Company 's violation of the law and because they have failed to respond and comply as per the FCRA and FDCPA, it is their legal obligation to do so.
Product: Debt collection

This is re XXXX XXXX XXXX. 

XX/XX/year> : I reached out to view a unit. XXXX XXXX in leasing told me I should apply right away since the unit was in high demand. I submitted an application and they asked me to submit a security deposit. If I did not sign, they would return this amount to me. 

XX/XX/year> : received confirmation my application was submitted. Was told I would see a lease drafted once the pay checks were processed. A tour of the unit was scheduled for XX/XX/year>. 

XX/XX/year> : we told XXXX XXXX we went with another unit and requested a refund of the security deposit. 

XX/XX/year> : there was no response so I messaged again. They told me I would get a refund within XXXX  days. 

XX/XX/year> : I asked for my refund as I still had not received the money. 

- at this point, we decided to refund through our credit card company instead as the apartment continued to evade my emails and calls XX/XX/year> : XXXX demands I pay a move-out fee for the unit. I request clarification as I never signed a lease with this place and never moved in. 

No response. 

XX/XX/year> : XXXX again demands I pay the move-out fee. I request evidence I signed a lease. 

No response. 

XX/XX/year> : I check in again to see if they have any clarification. No response. 

XX/XX/year> : I receive an email from debt collections about owing this same move-out fee with interest.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
DISCOVERBANK, balance is {$0.00}, and account # XXXX
Product: Mortgage

My new loan modification 1st payment was to be set for XX/XX/XXXX. 

The new loan started in arrears with 2 payment due on XX/XX/XXXX. 

I emailed them and they said they did not receive the XXXX payment. I told them it was sent in with my closing paperwork via money order. I had to provide a copy of the money order. Then they found it. But the past due for 1 month did not disappear. 

But then stated that is was due for XXXX. I never received instructions or a bill for the month of XXXX. I was in between trial periods. 

I said I would pay it if it is truly due. I asked for an invoice, Then, they claimed it for a returned payment in XXXX I asked for documentation showing the account number etc. They never provided such documentation. Nor did I make any payment in XXXX as it was paid via a money order. There was no payment to be returned. They lie. 

I have been trying to get this resolved since XX/XX/XXXX. Please remove this fake after the fact charges and all late fees associated with it. 

I wrote them back with this information 16 days ago and I have not heard back. 

If I truly owe the money for my mortgage then give me an invoice! 

Stop changing the story. 

I have all the emails documented -- let me know if you need them
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Transunion 's inaction violates federal law and my rights as a consumer
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 the lost funds was impossible and that tracking 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 sent a letter to Transunion marked XX/XX/2022 in relation to hard inquiries listed on my credit report, claiming I do not recall those inquiries and listing them as unauthorized. I asked Transunion to perform an investigation and produce evidence in accordance to what I researched about the law and they sent me a letter on XX/XX/2022 denying my dispute and refusing to investigate. The following are the ones I disputed on my credit : Dispute # XXXX : XXXX XXXX XXXX XXXX ( Finance ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX ( Bank ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX XXXX  ( Finance ) Type : Hard Inquiry I am asking CFPB to please enforce the consumer regulations and ask Transunion to remove unauthorized credit inquiries from my account and to please submit investigative details and results. 

Thank you CFPB. 

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

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} - This account was already deleted from the other Credit Bureaus and you have not rights continuing the reporting of these information. Your willful non-compliance with the FCRA continues to do harm on my Credit. Per FCRA, Credit reporting must be accurate. I need you to remove this account from my Credit File. 
XXXX XXXX Balance Owed : {$0.00} - The other credit bureaus have already cancelled this account, thus you have no right to continue reporting this information. Your deliberate non-compliance with the FCRA is still damaging to my credit. The FCRA requires accurate credit reporting. Please take this account out of my credit report. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Product: Credit card or prepaid card

My son purchased a visa gift card ( Vanilla ) for my birthday from the XXXX XXXX XXXX  in XXXX, WV in XX/XX/2021. I checked the balance online on XX/XX/XXXX. The balance was XXXX . I tried to pay for a purchase in XXXX, TN on XX/XX/XXXX. The card was declined because there was no balance left. I had not used the card for anything. I immediately contacted XXXX and filed a report. They told me it may take up to 90 days to rectify the situation. In XXXX they informed me that there was nothing they could do. So ultimately we lost XXXX $ by purchasing a Vanilla gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid the account in full with understanding that the unverified account will be deleted. Also, I never received the undeliverable mail that was returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher " know or has reasonable cause to believe that the information is inaccurate, '' Given that the furnisher has provided false information to you about me, and provided you with false address. I demand that the item are reporting be removed immediately. 

XXXX XXXX XXXX
Product: Checking or savings account

On about XX/XX/2022 my bank failed to stop payment to two transactions, one for an ice maker I never recieved and one for a book which was on a fraudulent account. PNC has not only acted carelessly and recklessly and neglectfully, their people are trying to close my account rather than give me money I did not authorize. Also, my unhappiness as to their poorly run company and my money never landing returned, they voluntarily closed my account causing me embarrassment and to not have access to my money. Their insulting and doing it intentionally. Their bank should endure a fine, as I so did not ask them to close my account, instead their inability to treat me respectfully after they got all the funding in the world thanks to some friends of mine and I, chose to act XXXX rather than like an XXXX Meaning, they owe me about {$150.00} and my dignity restored. Not to mention, they need to release my funds to me, rather than holding my money. I went to XXXX XXXX and now their possessive and XXXX  like a person who XXXX  an ex girlfriend, and will hit them for a terrible thing they did, which is not my fault it is theirs.
Product: Debt collection

About a month ago I started receiving calls and collection notice from a company called State Collection Service. I was shocked and wrote the company back upon receipt- the notice claim it was for services rendered at XXXX Hospital . 

XXXX hospital is 3 hours away from me and I am a patient of XXXX XXXX. That said, I have no knowledge of the debts and they have the wrong person. I have requested they decease and desist with their collection efforts and the phone calls- however they continue to contact me. 

Client Account Numbers XXXX XXXX XXXX