23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.
Product: Debt collection

XX/XX/XXXX I made payment arrangements with XXXX XXXX to debit my account the balance I owed them, they received payment XX/XX/XXXX, XX/XX/XXXX and one that is set to come out in 3 days for the final payment of {$23.00}. On XX/XX/2019 Dated XX/XX/2019 I received a let from Receivables Management systems that I owed them {$46.00}, I called and spoke to someone at XXXX XXXX and told them that they sent me a notification that was wrong, and he tried defending the case and I explained that XXXX XXXX   had already received most of this debt and he continued to say that I needed to pay this amount and I responded back that the info was XXXX  and he continued to say if I did not pay this amount that his company would continue to charge me fees daily until I paid them and then he hung up on me!!!! I called XXXX XXXX and explained to the lady in billing what had just happened with them and currently on hold for her to clear this up. In the meantime I would like this company reprimanded for the wrong billings amount, and being being rude and making the comment that I would continue to be charged daily fees and hanging up on a customer.
Product: Checking or savings account

Cash app denied my claim for dispute about an item I didnt receive without contacting the seller and denied my claim Ive gotten unauthorized charges also and they closed my account without giving me a reason I kept asking how did i violated the terms and conditions they couldnt tell me I couldnt get in the class action claim because of the deadline then I didnt know that it was extended
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my capital one account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted capital one directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 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 consumer safety.
Product: Credit card

this is XXXX her fiancee she is unavailable. I am requesting all copies sent to address of record and will be forwared as we will likely go to court. on this ALL ISSUES REMAIN UNRESOLVED WITH DISCOVER ACCOUNT IS ACCRUING LATE FEES LIKE NONE OF HER ACCOUNTS DO she has never had to stop paying an account due to lack of help here. nothing resolved. no dissatisfaction. disputing fees should not be taken off and as such will wait til its in default, then take legal action showing all attempts to resolve. All that happens is the complaints keep going to the same person who keeps stone walling and scriptiing to death NOTHING RESOLVED. return all letters saying the same nonsense. with no resolution. [ please see previous complaints. ALL complaints made to discover where a bank would reasonably have responded and helped a customer have not occured. Fees that would have been returned despite a Credit agreement ignored and refused, differnetial treatment as well Saying the " spcialty team '' has to get back to you. XXXX is not being paid until it defaults at which time we will take legal action. Others interest due to the refusal to help must be credited. A lawyer will be in touch shortly with discover. I ask this agency to take note that a law protecting consumers must be passed and contact with legislators on this has been made and i need all copies of complaints that are not resolved in any way sent to us. As of today XX/XX/XXXX there is a late fee AGAIN on XXXX A judge will see XXXX never defaults. this appears to be the only way to handle them. Now i will get a message saying some XXXX is " investigating '' and nothing comes of it. Any bank after 30 years of business would help. this one THINKS it will get the money we will go to court no fees, interest will be paid and when we call in no specialty team referral we get normal help or we dont call. A POA was filed as XXXX is currently hospitalized. i will not let this proceed this way
Product: Credit reporting or other personal consumer reports

XXXX Account Number - XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below from my file XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding PNC BANK, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to PNC BANK. 

Upon information and belief, PNC BANK received notification of my credit bureau dispute. PNC BANK did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the PNC BANK Account. 

Upon information and belief, PNC BANK failed to instruct the credit bureaus to remove the false information regarding the PNC BANK Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the PNC BANK Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did PNC BANK and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by PNC BANK rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the PNC BANK Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

CDA/XXXX  shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX  XXXX  shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX  shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor Balance : {$82.00} unknown creditor
Product: Checking or savings account

After reviewing an online promotion from CITIBANK that entailed receiving {$200.00} for opening a new account and depositing x amount of money for x amount of time, I opened an account with Citibank on XX/XX/XXXX. On XX/XX/XXXX I received an email that my debit card was on its way. I received my card shortly. On XX/XX/XXXX I received an email stating that I still need to make a deposit. I made my deposit for XXXX shortly after. On XX/XX/XXXX I activated my debit card. I tried to sign in to my account and couldnt sign in. I called Citibank and they mentioned a fraud alert. I was transferred to many different departments. 

After hours of being on the phone I was told that the account was going to be closed in 30 60 days and I would be mailed a check. I called back numerous times and no one took accountability and the issue has not been resolved. I requested a supervisor call back on numbers occasion and each time I was told someone would call me back but XXXX failed to call me back. 

I received a Citibank statement showing a withdrawal on XX/XX/XXXX for XXXX. I called Citibank on XX/XX/XXXX, and XXXX, a Citibank agent told me that a check was mailed on XX/XX/XXXX. Once I informed him the check wad not received he called a department to see if the check was cashed to issue a new check. After waiting minutes online XXXX informed me that a check was never mailed and it couldnt be mailed due to possible fraud. 

I was than told to call XXXX, which ive attempted to call several times and get a message that says, Thank you for calling citi the person you are attempting to reach is unavailable at this time. Please use an alternative method to reach this individual or try your call later. 

CITIBANK has fraudulently attempted ripped off several consumers according to online complaints regarding the same issue. Is Citibank, a bank, is so desperate for money that theyre ripping off consumers? They have been sitting on my money for close to 90 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) CAVALRY PORT ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ) SEE ATTACHMENT This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : {$400.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Money transfers

Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.
Product: Checking or savings account

On XXXX A savings account had {$7000.00} along with {$3000.00} USD in the same account holder 's name withdrawn via ACH to a different bank ( XXXX XXXX : A phone call from Wells Fargo was received on XX/XX/23 to recommend that the account holder check the account for suspicious activity. The account holder did not release any consent or personal information because the call started off with the account holder 's account numbers and name. 
The account holder notified the bank via phone after the incident on the same day for suspicious and repeated phone calls from the bank and confirmed that the call was a scam. A dispute was submitted during the phone call on XX/XX/23, and in person, filed a complaint regarding non-transparency of fraudulent acknowledgment and accountability of the processes by the bank regarding notification of information breach. On XX/XX/23, a complaint was filed with the local police authorities. On XX/XX/23 a letter of denial for reimbursement was received by the accountholder stating the recipient refused to refund the transfer
Product: Student loan

I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

I have been a customer with the Victoria 's Secret credit card for about fifteen years. I called to ask for a late fee to be waived but they refused. Both the customer service representative : XXXX, and the account supervisor XXXX said that I was not eligible because they only waive them once every 18 months. 

I explained my situation to them, which is as follows : I have been XXXX XXXX XXXX and have missed work. Furthermore, my payroll has not been adjusted so that I can receive COVID-19 pay. 

I would like to know why after fifteen years as a loyal customer, this bank can not and will not waive a late fee so that I can catch up? This policy of once every 18 months is not a one size fits all, particularly during these incredibly difficult times.
Product: Mortgage

I contacted Specialized Loan Srrvicing LLC XX/XX/XXXX and XX/XX/2022, to dvise them that my taxes were due of XXXX. I was assured in XXXX that they would get paid. The taxes were due XX/XX/XXXX. So I call them on XXXX XXXX to advise taxes are NOT showing paid. They stated they would contact my county tax office. It's now XX/XX/XXXX and my taxes are delinquent. I pay a lot of money in an escrow account for my taxes to now be delinquent.
Product: Credit reporting or other personal consumer reports

I Recently learned from checking my credit report I have Thert and fraudulent credit card accounts under my name has been going on for awhile I just now was able to check my credit report and discovered XX/XX/XXXX Hard Inquiry From XXXX XXXX  which stands for XXXX XXXX XXXX and another from XXXX XXXX  hard inquiry on XX/XX/XXXX. I have reached out and was requesting information about this account under my name a they denied and said I do not have an account with them.