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

Approximately 4 months ago an XXXX XXXX  issued by XXXX XXXX that I have been using for approximately 10 years successfully had changed something in their system where their payment button on the front page of PayPal not only has quit working but displays a statement as follows- Were sorry we apologize our system is having difficulty retrieving your information, please try again later. This is what comes up on the my PayPal page under make a payment under XXXX XXXX. This IS the same button I have been using to make my payments for nigh on to 10 years. # 2, I was told today, NOT when I finally found a way to contact Synchrony & made my last 2 payments here in XX/XX/XXXX that my account had been closed. 
# 3. When I first called XXXX XXXX tonight, I  was prompted to input my social security number and was told I had a XXXX balance and was also told I had zero payment.

due.

# 4. When making my way to the operator of XXXX XXXX, I was finally told that they had closed my  account and I did have a payment due & also a past due payment, this is after making {$150.00} worth of payments this month-XXXX  2018. 
# 5. I was also told that I better not miss a payment because they will add on {$38.00} dollars to my closed account plus {$28.00} interest. 
ANYHOW, i certainly believe that these things constitute deceptive practices.
Product: Checking or savings account

US Bank is abusing my checking account and wrongfully withdrew {$490.00} from my checking account. 


I reached out to US Bank in XX/XX/XXXX in regards to a transaction in which the merchant promised me a refund in the amount of {$490.00} in the event that I did not pass the exams. This purchase was made in XX/XX/XXXX. 

I reached out to the merchant numerous times with no success. 

When I was on the phone with US Bank in XX/XX/XXXX, they agreed to issue me a provisional credit and the only request was to send back a faxed form confirming the purchase. 

There were no mention of anything else. Again, nothing else. 

Then on XX/XX/XXXX, I received a letter in the mail stating that " you were to notify us no later than 60 days after the transmittal of the statement in which the disputed item appeared and the 60 day period has passed ''. 


On XX/XX/XXXX, XXXX US Bank withdrew {$490.00} from my bank account without authorization or without telling me in writing or on the telephone while creating the dispute in the first place that my window of provisional credit or refund has passed. 

Therefore, due to their own error, again they wrongfully took {$490.00} out of my checking account and they need to replace it immediately as this is fraud on the bank behalf for " bait and switch '' as it is their responsibility to notify the consumer in advance that such deadline has passed and they did not mention anything in writing or on the telephone when the dispute was filed. 

They just randomly took {$490.00} out of my bank account when I followed their instructions and faxed the form back
Product: Credit reporting

With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.
Product: Debt collection

The collection company said if I did not pay the collection that they would file a XXXX against me and I would be XXXX for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
Product: Credit reporting or other personal consumer reports

{$1300.00} MIDLAND CREDIT MANAGEMENT INC {$1800.00} MIDLAND CREDIT MANAGEMENT INC {$1900.00} XXXX XXXX XXXX I sent out disputes about inaccurate information, wrong address, and name spelled incorrectly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00}
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 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. 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: Consumer Loan

hello Last XX/XX/2016, i let the car XXXX XX/XX/XXXX in the salesman XXXX and i film a video making the deliver to him in XXXX XXXX Dealer within three weeks of having the car because he were demanding a down payment of {$500.00} dollars not agreed in the contract signed on XX/XX/2016 Today I received the Santander financial account for {$350.00}, Santander do n't ask for any down payment, the XXXX payment for a car that I returned to the Sale XXXX in XXXX, XXXX , NC XXXX, 19 days ago and that they premeditatedly and in bad faith have not informed the Santander financial institution that I do not have the car and have not returned the loan money to them. 
I asked to inform Santander that I had returned the car to XXXX in XXXX on XX/XX/2016. I do not want that car precisely because they were asking me for a down payment of {$500.00} off the contract and they can not force me to do something that we did not agree on the contract and that I do not want to do. Before 30 days I returned the car, before the term granted to me by law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -DEPT OF EDXXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX  # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Product: Debt collection

The following debt collection agencies have harassed me. I paid XXXX  on loans listed for XXXX  months the amount owed never went down. I paid {$50.00} dollars per loan for XXXX  months. Now turned over to debt collection agencies damaging my credit. I live on a fixed income from Social Security XXXX, XXXX XXXX. 
My Income is right above the poverty line according to Federal Poverty Guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Cash for whatever : amt owed XXXX this one not turned over to collection agency yet. 

I'm sick and tired of these people making offers at me when from a to z it only benefits them.
Product: Credit card or prepaid card

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft BANK OF AMERICA
Product: Credit card

I purchased 2 isolated baby bottles with 2 extra nipples with flow 3 from XXXX for XXXX When the items were received I notice the shape of the nipples was not that it look like the item only and requested a return which the company did not reply. I also requested the company to contact me to return the items and still did not hear back from them. I contacted Capital one to submit a claim and provided the screenshot of my email requesting a return and a copy of the companys return policy. The claim was denied after several weeks stating that I had not provided any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a credit inquiry on my XXXX  report for " Credit Plus '' dated XX/XX/2020. There is no contact information to contact the creditor to inquire about this inquiry. I have disputed this inquiry with XXXX and they stated that the inquiry is valid. However, I have not authorized this creditor to pull my credit.
Product: Credit card or prepaid card

XX/XX/XXXX, I received a balance transfer offer from USAA for my XXXX card. The balance transfer offer {$0.00} introductory APR until XX/XX/XXXX. The offers expiration date XX/XX/XXXX. I made two balance transfers which posted onto my XXXX card on XX/XX/XXXX. The first transfer was the amount of, {$4500.00} and the second transfer was for, {$5300.00}. 

However, when I received my XX/XX/XXXX, USAA XXXX XXXX statement I noticed the interest charge on the balance transfers was posted. I called USAA on XX/XX/XXXX, and spoke with a representative. The representative told me the balance transfer that I completed expired. NOTE : I have the balance transfer letter that USAA sent to me with the balance transfer information. Clearly I completed the balance transfer before the offer expired.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Fraudster, the Company ) which involved me making deposits for a total amount of XXXX USD from my bank account to XXXX  at the instructions of the scammers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
Product: Credit reporting or other personal consumer reports

I was a victim of IDENTITY THIEF FROM A FORMAL EMPLOYER, WHICH THE SETTLEMENT WAS WON! I HAVE NOTIFIED XXXX XXXX ON SEVERAL OCCASSIONS AND THE ERRORONOUS INFORMATION IS STILL ON MY ACCOUNT. NOW ACCORDING TO THE IRS PUBLICATIONS 4681 canceled debts/CHARGE OFFS. THIS SHOULD BE OFF MY REPORT IMMEDIATELY. 15 U.S.C. 1692g ( a ) Notice of debt ; contents, Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I have consistently asked for debt validation, with wet ink signatures and HAVE NOT received anything of the sort. just some AI generated information which is NOT what I asked for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the settlement check and the letter from the employer admitting guilt, I will attach
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected rights. I looked at my credit report on XX/XX/year> and noticed these items are inaccurate. 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 of information. Any other adverse items of information, other than records of conviction 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. I have disputed this account and I have supporting documents with inaccurate information. The balance updated are not matching status updated. I have submitted my police report for proof of identity theft. PLEASE DELETE THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -XXXX  # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank , regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Product: Debt collection

I tried numerous times to close an account with XXXX after I moved out of an area in which my cell service worked, which is a legitimate reason to close an account by their policy. After repeatedly calling for three months, and being left on an endless hold numerous times, they agreed to close my account and remove all charges from my account because I was always on roaming cellular service, and I was not receiving the service I was paying for. I moved in XX/XX/XXXX, and they closed the account in early XX/XX/XXXX. I now have two different collections on my credit report, for two different amounts, but both from sprint and they are destroying my credit score. I do not owe this money and no one from XXXX will give me a clear answer to why this account went to collections, much less why there are TWO accounts for XXXX in collections. Also, no one has contacted me in the past year to let me know I owed this debt, I just so happen to see the collection accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid an attorneys office XXXX XXXX XXXX after they reposessed my vehicle on XX/XX/XXXX for this credit card debt ... ..i got my car back after paying in full,,, the original debt was XXXX from XXXX XXXX , but i had to pay XXXX after the towing service for my vehicle they took from my home as collateral to get me to pay my delinquent XXXX XXXX  credit card ... i have paid in full in XX/XX/XXXX, and on XX/XX/XXXX they reported my credit bureau as this full balance being delinquent still ... it is still affecting my credit. i have been in touch with the attorney office and XXXX XXXX, and no help..
Product: Money transfer, virtual currency, or money service

I was the victim of a fraudulent wire transfer scam in the amount of {$12000.00} on XX/XX/. I received a call identified as coming from Wells Fargo and the man on the phone gave me a name and identified himself as an employee of Wells Fargo. He said he was calling about some suspicious activity on my account. He referenced transactions taking place in Florida, several legitimate transactions ( he had access somehow to my checking account information ) and this supposed wire transfer or {$12000.00} to someone named XXXX XXXX. The scammer said that we could reverse the wire transfer by completing some steps on the phone, He told me that he'd be sending me several six-digit numerical codes that I was to key into the phone to verify the steps, the first one being to verify my identity. I learned later that by entering these six-digit numerical codes I was somehow giving the scammer access to my online banking account. I'm not sure how these six-digit codes were translated into authorization for access. After realizing that these six-digit codes ( provided in Wells Fargo texts ) also allowed him to generate a wire transfer, I immediately called the telephone number provided by Wells Fargo on the confirmation email - XXXX. After traversing a lengthy voice messaging system, none of which was related to fraud, I reached an agent. I instructed the agent to immediately freeze all of my Wells Fargo accounts, no transactions were to happen with any of my Wells Fargo accounts. She said she'd freeze them but that I should go into a branch to close the accounts. I went to the closest WF location. There were two people in the entire branch, neither of whom could help me. They called someone " from the back '' who should be able help but when he came out he informed me that the Wells Fargo system was down and I'd have to go to another branch. I drove 20 minutes to another branch where I learned that my accounts had not been frozen. The wire transfer transaction status online was pending so I was hopeful that it could be reversed. This branch was very helpful in helping me reach the Fraud department at Wells Fargo and I filed claim. I received a letter dated XX/XX/XXXX from Wells Fargo stating that because the transfer happened using my user name and password I was responsible for the loss of the {$12000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint against Portfolio Recov ASSOC for violation of the Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against Portfolio Recov Assoc, for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt from me. Specific Allegations : I have not received the validation information required by 12 CFR 1006.34 ( b ) ( 5 ), despite their attempts to collect the debt and place it on my credit report. I was not given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency used false, misleading, and deceptive means to collect the debt, in violation of 15 U.S.C. 1681-52 ( 7 ) ( A ). They furnished the account to credit reporting agencies without providing the required disclosures, violating 12 CFR 1006.34 ( d ). Impact on You : These actions have caused me significant harm, including, damage to my credit score, emotional distress, financial hardship. I request that the CFPB investigate these allegations and take appropriate action against Portfolio Recov Assoc. This could include requiring them to provide the missing validation information, remove the account from my credit report, and cease further collection attempts until the dispute is resolved. Additional Information : I have attached copies of any relevant documentation, such as collection notices, credit reports, and communication with the collection agency. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX