23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested validation of debt and HIPPA authorization. 
Never received either of this requested documents. 
This company is listed on my credit report even though they never verified the debt. 
Please see attached letter I have sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 - was unable to start social security online account. Called Social Sec and they said they used Equifax and my address on my Social Security online account. 

I called Equifax and my street address is correct but there is an apartment number that even when I lived in an apartment years ago has NEVER been an apartment number for me. I asked them to correct it - they ave all of this info about me and NONE of my accounts have this apartment number, but they told me that it was MY responsibility to send in a great deal of documentation to prove they were wrong. AIN'T GON NA HAPPEN! If they make a mistake and I pass security surely to XXXX they can send my account to 'research ' or 'verification ' to check for errors.
Product: Credit card or prepaid card

My sister and I went to a XXXX XXXX in XXXX FL to buy a {$200.00} Visa GIFT CARD. She owe me {$200.00} so she bought the Gift Card with her credit card and gave it to me. I tried to use the card few days later but was not able to do it because the available balance was not {$200.00} but {$0.00}. I went to XXXX in total disbelief to make the claim and the manager told me to contact the card. 

The card had the VISA logo so I called Visa but they said they have nothing to do with it. 
I called the number behind the card, the representatives only spoke XXXX, it was not an easy process but after few attempts I finally received some paper work by mail to start a dispute, filled it out, sent it back but did not hear back from them again. I tried to call in different occasions ( there's no phone number available for their dispute department, so you need to wait for someone from the number listed on the back of the card to transfer you, then the call would drop. 

I realized then I was dealing with a irresponsible company that clearly knows they have a glitch in their system and do not allocate resources to fix it. 
I was so aggravated and mentally distressed for having to go through such experience that ended up giving up on my {$200.00}. 

They try to delay and complicate the dispute process making it difficult and sometimes impossible for the affected party to get their money back. They ask for a receipt knowing this is a GIFT CARD and chances are you will not have the receipt. 

This way they get rid of a lot of claims transferring their responsibility to guarantee funds on the Gift Cards to the person that got the Gift Card because they will most likely there's no proof of purchase.

I still can not comprehend how a brand new VISA GIFT CARD has no available funds but they are very much aware they have a broken system and they should be obligated to disclose that the gift card being purchased may have no funds available. 

They know whats going on and the consumer should be protected from Companies like this one. They shouldnt operate unless they guarantee that if you buy a gift card for X amount of money, the money will be available. 

The Company name is apparently XXXX XXXX XXXX and they are located in XXXX, NV. Non of that info is available on the card, and they are probably aiming to certain demographic that doesn't know their rights or will do little to claim the money lost. 

This claim started in 2019. I did give up on it but I was going through some archived paper work today and found a replacement gift card ( obviously with no funds ) and thought it is unfair to me a any consumer to trust a US company with the VISA Logo to later realized youve been fooled. It is unfair to loose your hard end money to a company that shouldn't be in business until they guarantee the funds for the Gift Cards they sale.
Product: Mortgage

We are having a very difficult time with nationstar mortgage. We got a loan to refinance an existing loan with nationstar. the payoff request was obtained from Nationstar and good till XX/XX/XXXX. A 3rd party sent the amount, {$14000.00} for payoff. The check was XXXX to Nationstar as the correspondence instructed and delivered on XX/XX/XXXX. I found that on XX/XX/XXXX a payment for {$600.00} was auto drafted from my checking account by Nation star. I logged in my Nationstar account to investigate, 1st I stopped any auto pay from my checking account for future, then I called nationstar customer service XX/XX/XXXX to find out the problem. They adamantly denied having received a payoff check. I was ask to fax them the info of the cashiers check, time, date, and the person that signed for the check at Nationstar. I forwarded the info from my 3rd party payor with my Nationstar account number requesting that this be researched ASAP, This was send XX/XX/XXXX. When I had not received a call from nationstar by XX/XX/XXXX I logged online to review my Nationstar account, still no change, no email, nothing. I made two or three lengthy phone calls to Nationstar XXXX & XX/XX/XXXX and got nowhere. My last call I demanded to speak with a supervisor with Nationstar. She stated she would note that this was looked into. She would put on my account that a representative from my 3rd party had my permission to correspond with Nationstar on my behave anytime in the next 24hrs to try and locate the check for the payoff. I touched bases with my 3rd party and she was to attempt to work on the matter next business day. I checked in with the 3rd party XX/XX/XXXX and after she had made a number of calls we have still not gotten anywhere with this matter. In addition to the complete payoff check there has been XXXX payments of {$600.00} extra taken from my checking account. XXXX that was taken out and sent to another mortgage co. ( XXXX ) that Nationstar had received my loan from. XXXX forwarded the payment to Nationstar. Then XX/XX/XXXX the auto pay was taken out from my account due to the payoff amount not being processed and Nationstar not closing this account. Also I made a regular payment of {$600.00} on time to Nationstar on XX/XX/XXXX. This a very frustrating that not only does this company have a payoff check for over {$14000.00} but there is {$1800.00} of my personal money that should be refunded to me. I have been attempting to correct this serious matter with Nationstar and as of today XX/XX/XXXX have not gotten anywhere with them.
Product: Debt collection

Subject : Formal Complaint Against Jefferson Capital Systems for Unauthorized Debt and Harassment To Whom It May Concern, I am filing a formal complaint regarding Jefferson Capital Systems, which has been contacting me weekly with collection calls for a debt that I did not incur on XX/XX/2022. I am requesting that my comments be forwarded to Jefferson Capital Systems and that the CFPB intervene to ensure compliance with federal consumer protection laws. 

Description of the Issue Jefferson Capital Systems has reported an account on my credit report, claiming that I opened it on XX/XX/2022. However, I have never opened an account on this date, nor have I had any business relationship with this company. Despite my repeated disputes with the credit bureaus, Jefferson Capital Systems continues to : Leave weekly messages on my phone attempting to collect this fraudulent debt. 
Report this unauthorized account to the credit bureaus, negatively impacting my credit. 
Fail to provide any verifiable proof that I incurred this debt. 
Actions Taken I have disputed this debt with the credit bureaus, but Jefferson Capital Systems has continued its collection attempts. 
I have not received any documentation or verification proving that this debt belongs to me. 
I have requested the removal of this account, but no corrective action has been taken.
Product: Credit reporting or other personal consumer reports

I have pdf all papers from every negative account on my credit report neither Transunion, XXXX, and XXXX has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these 3 major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!
Product: Consumer Loan

Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.
Product: Debt collection

In XX/XX/XXXX my XXXX and I moved. We contacted XXXX XXXX XXXX prior to our move and canceled our service at our old address. We paid the agreed on amount. 

XXXX XXXX an XXXX for XXXX XXXX XXXX contacted us. We disputed as seen above. XXXX released the debt and negative credit reporting. 

XXXX Radius another XXXX for XXXX & XXXX contacted me regarding the above account. I stated the history above and they advised contact XXXX XXXX XXXX. I did and they did not help. XXXX XXXX XXXX stated I was billed until XX/XX/XXXX. I did not have service at the previous address as a new homeowner had bought and moved into the home. XXXX XXXX XXXX is asking for payment for services we did not receive. 

In standing with FDCPA we believe this is harassment from these 3 companies. We are asking for 4 things : 1. Removal of the debt 2. A paid in full statement from XXXX XXXX XXXX XXXX. A written notice from XXXX XXXX XXXX via USPS saying any negative credit reporting is removed from both our names & 4. As we believe it is XXXX from XXXX XXXX XXXX we are asking for the awarding of 3 of the {$1000.00} fines to be sent to us from XXXX XXXX XXXX as the collection attempts from XXXX XXXX XXXX, XXXX, and Radius are all from XXXX XXXX XXXX are for a debt that us not owed and has caused migraines and time away from work to handle this.
Product: Credit reporting or other personal consumer reports

I recently noticed an error on my credit report regarding my XXXX  loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.
Product: Debt collection

I FOUND THAT I WAS A VICTIM OF IDENTITY THEFT AND ASK DELETION OF ALL ITEM
Product: Bank account or service

PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus over and over to let XXXX, XXXX and Experian know that these accounts are not mines XXXX  XXXX XXXX and XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/2024 it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially from XXXX they keep stating that they feel like I am working with A third party which I am NOT. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I have asked XXXX XXXX XXXX to validate a debt they allege that I owe, as it is my right to do so under 15 USC 1692 GXXXX XXXX XXXX has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did NOT exercise their grave responsibility, they have been unfair, and were patrial in the matter under 15 USC 1681 a 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Product: Money transfer, virtual currency, or money service

I used XXXX through the Wells Fargo mobile app to transfer {$400.00} to a seller on XXXX for tickets. The seller was a scammer and never transferred the tickets. When I filed a claim with Wells Fargo, they claimed there was no redress because I authorized the transfer. 

However, there are few reasons why Wells Fargo should be responsible and reimburse me for the loss : - The XXXX function is fully integrated into the Wells Fargo app and website, which makes it look like it is part of the bank and not a third-party provider. 
- By trading on consumers ' trust and confidence in Wells Fargo, XXXX makes it seem safe to transfer funds using its service. 
- Based on this integration, a consumer would have a reasonable expectation that XXXX comes with the same consumer fraud protections that other payment methods through the bank have -- such as paying with a check, credit card, or debit card. 
- XXXX asks for the recipients name and phone number -- this makes the consumer think that the bank is checking to see if the recipient 's bank account matches the recipient 's name and phone number. But that can't be the case, because the scammer was impersonating someone. 
- Both Wells Fargo and the recipient 's bank have Anti-Money Laundering/Bank Secrecy Act requirements to " know your customer '' but it does not seem that either bank is conducting any due diligence to ensure that the recipient is who s/he claims to be. 
- Even though I have now found many articles online warning about XXXX scams, Wells Fargo has no warning about these scams to users. If you know that a payment system is being exploited by fraudsters, you should have some information about it on your website. 

I understand that Wells Fargo views XXXX like a wire transfer and therefore they claim to have no ability to return the funds. However, I believe that Wells Fargo bears financial responsibility for hosting a payment system that is so easily exploited by criminals. Even if Wells Fargo has to pay for the refund itself, it should have to internalize the cost of the risk of scams that it exposes its customers to. The relationship that a customer has with his/her bank is totally different from the relationship with an unknown payment service provider. I would not have used XXXX if I had understood how it works and how little protection there is. 

If Wells and other banks had to take responsibility for scams through XXXX, they will have the incentive to try to stop these scams. If they refuse to take responsibility, customers will lose confidence and trust in their banks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, Representative ], I am writing to formally file a complaint against XXXX XXXX XXXX ( XXXX XXXX ) regarding their handling of a debt collection related to my previous apartment. Below is a summary of the events and issues I have encountered : XXXX. **Background on the Debt : ** - I previously resided in [ Name of Apartment Complex ], where my rent fell behind by XXXX months. 
- Upon catching up on payments, the apartment complex refused to accept my rent and subsequently took me to court. 
- We settled on a payment in court, and I paid a portion immediately, followed by monthly payments until I moved out. 

XXXX. XXXX XXXX 's Involvement : ** - Years later, XXXX XXXX contacted me, alleging I still owed a balance. 
- During my interactions with XXXX XXXX, their representatives were verbally abusive, threatening, and unwilling to work collaboratively to resolve the debt. 

XXXX. **Efforts to Settle the Debt : ** - I attempted multiple times to resolve the issue by offering a lump sum payment or a payment plan. 
- XXXX XXXX refused all reasonable settlement offers and did not provide a clear explanation for their refusal. 

XXXX. XXXX XXXX : ** - The original debt of {$XXXX} has ballooned to {$XXXX} due to accrued interest, making it even more challenging to resolve. 
- Despite my willingness to address the matter, XXXX XXXX aggressive and non-cooperative behavior has made it impossible to settle the debt fairly. 

XXXX. **Supporting Evidence : ** - I have attached relevant documentation, including proof of payments made to the apartment complex and court documents outlining the initial settlement. 

This experience has caused significant stress and hardship, as XXXX XXXX abusive tactics and refusal to cooperate have impeded my ability to resolve the matter. Additionally, their actions appear to violate ethical and potentially legal standards for debt collection practices. 

**Request for XXXX : ** I kindly request your assistance in investigating XXXX XXXX behavior and practices. Specifically, I ask that you : XXXX Review XXXX XXXX handling of this account to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Intervene to facilitate a fair resolution, including the possibility of negotiating a reasonable settlement for the debt. 
XXXX. Take appropriate action against XXXX XXXX if their practices are found to be unethical or in violation of federal or state laws. 

I am prepared to provide any additional information or documentation necessary to support my complaint. Please let me know how I can assist in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,