23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ARI placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with ARI. ARI responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or ARI in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Absolute Resolutions Corporation with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 
5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 
6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 
7. Proof that you have the chain of title to collect on this debt. 

Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against Absolute Resolutions Corporation. 
Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a XXXX judgment levied XXXX XXXX XXXX from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX I XXXX XXXX attempted to withdraw XXXX XXXX from an ATM machine in XXXX XXXX, NJ. Upon entering my credentials I was prompted with a message stating " insufficient funds '' I was very surprised and shocked as I've never recieved such message in the past. I then attempted to withdraw again hoping it was machine error but received the same message again. 

I then decided to check my bank account by logging on to the phone application to find out I had a total of approx. XXXX USD left in my account, I also saw numerous charges of XXXX USD at various gas stations such as XXXX, XXXX and XXXX at locations I have never frequented. 

I have spoken to numerous agents at Simple and I must say I have never experienced such brute and callous treatment when I've been a loyal customer for almost 8 years. I chose Simple because it was something different, a huge change like a breath of fresh air compared to other banks but I feel as though since the bank is in a closing stage the customer is being treated like trash. 

A customer service specialist named XXXX was the only truly helpful person and understood my pain although as she stated many times there was very little she could do since the Fraud department was handling the case. 

I was digitally robbed and I expected my bank to back me up which has not happened, instead Simple has sided with criminals by not returning my money and closing my account. I have never frequented any of the flagged transaction locations, it's not even my usual behavior pattern. Are these charges ATM withdrawals or are they swiped transactions at a register? How was this investigation completed in a matter of a few days? How was I physically able to make multiple XXXX dollar transactions at the same exact time? Something is fishy here, I believe my case deserves a full in depth investigation. 

In closing I am expecting the stolen funds totaling XXXX to be returned to my account, I am also requesting the reversal of my pending account closure. This robbery has unfortunately flipped my life upside down as I can not pay my Bill 's, purchase food to feed myself or my family or purchase my medication because I am a XXXX XXXX. 

I am on a fixed income, If I die because I do not have the stolen funds returned and made available to me to purchase my XXXXXXXX XXXX I have informed key individual 's to initiate an immediate investigation and hold " Simple '' responsible for my death. 

I am looking forward to some sort of positive resolve so that I may continue living my life free of financial hardship such as this. 


Yours Truly, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I have an account with Grain.I have had an account for over a year.For the last several months I have not been able to make a payment. I have reached out a number of times via email and nothing has been resolved but things are being constantly being added. I have interest charges and late fees from the first of every month since XXXX. The amount range from {$2.00} to {$30.00} in fees. They have asked for multiple screen shots that Ive already provided about the issue on not being able to make a payment. Again, nothing has been resolved.
Product: Checking or savings account

On XX/XX/2022 I was charged XXXX for a room on XXXX. I received an email about the room I just booked, but I hadnt booked a room. I had stayed In This hotel the night before and paid XXXX for that room. I contacted XXXX and told them it was not me and explained the situation and they said we have no contingencies in place and can not cancel so I called money. They disputed it and then denied it twice, once because of a transfer made before the transaction, and Im not sure why the other time. I did not book this room, I had just gotten back to my home when I got the email. I am so tired of filing complaints.
Product: Credit reporting or other personal consumer reports

Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete Ed Financial from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$65.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

ON XXXX AT XXXX, I SENT MONEY THROUGH XXXX XXXX XXXX MONEYGRAM LOCATION XXXX XXXX XXXX XXXX AND DURING THE PROCESS, THE AGENT CLEARLY SAID TO ME MONEYGRAM HAS A NEW POLICY TO REQUEST PHOTOCOPY OF ID AND ALSO I MUST WRITE MY SOCIAL SECURITY NUMBER ON THE PAPER HAVING MY ID PHOTOCOPY. I SAID IT WAS NOT FAIR TO REQUEST ID PHOTOCOPIED PLUS SSN .HE SAID IF I DOUBT, I CAN GO TO XXXX XXXX .I WAS IN AN URGENT SITUATION SO I SENT THE MONEY .BUT BETWEEN XXXX AND XXXX I CALLED MONEYGRAM HEADQUARTER TO ASK IF THEY HAVE A NEW RULE TO REQUEST ID AND SSN? MOREOVER, I ASK MONEYGRAM TO SEND ME A WRITTEN COPY STATING CLIENTS MUST PROVIDE ID+ SSN ; XXXX SAID IN SOME CASES WHEN THE AMOUNT OF MONEY BEING SENT IS HIGH, AN ID IS REQUIRED BUT NO SSN. SHE ALSO SAID IN MY CASE MY AMOUNT SENT WAS LOW AND I WAS WRONGED BY AGENT. THEN I FILE A COMPLAINT ( CASE XXXX ) BECAUSE SHE SAID I WAS WRONGED BY AGENT .WHY WILL AGENT TREAT ME DIFFERENTLY BY REQUESTING EXCESSIVE INFORMATION THAT ARE VERY SENSITIVE? NOW, I AM VERY SCARED MY INFORMATION MAY BE USED WITHOUT MY CONSENT OR FOR OTHER PURPOSES WITHOUT MY KNOWLEDGE. IF AGENT IS WRONG, WHAT CAN MONEYGRAM DO TO ENSURE ME THAT I WILL NOT BE AN IDENTITY THEFT VICTIM BECAUSE AGENT HAD ACCESS TO MY SENSITIVE INFORMATION? 
BEST REGARDSXXXX.
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 that 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 not possible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated 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

My Capitol One credit card was stolen. I cancelled it and requested card replacement. My account was changed to a new number. Three times I waited two weeks for the replacement card, called customer service ( long wait ), was told I needed to submit digital ID documentation, submitted it immediately and properly, waited two weeks again, etc. I write this after my fourth customer service call. I refuse to continue to resubmit. I was an excellent customer of over 10 years with an average monthly charge on this card of about {$500.00}. My credit score has been about XXXX for all that time. I have never refused or failed any security questions. There is no other problem. This is a ridiculous bureaucratic security issue that lost an excellent customer, and he is angry enough to write this.
Product: Debt collection

They keep sending me communications about a debt that is owed. I sent a letter for them to let me know what the debt is for. They have not responded.
Product: Vehicle loan or lease

My wife and I paid off our auto loan with Chrysler Capitol on XX/XX/2021, 30 days went by and our credit was not updated and we did not receive our title. I was advised by the supervisor I was speaking to that she would put in a request to have the credit updated. The account was closed on Chrysler Capitol 's end so if I did not call in and escalate our credit would not have been updated in accordance with the fair credit act. 

Also upon speaking to the supervisor she advised me the title was sent to my wife 's address in XXXX. I immediately corrected her and said my wife and I live together. I explained I called in 6 years ago when we purchased out new home to update the address on our account. I then started receiving monthly billing statements, delinquent notices and other account correspondences to our new address. The supervisor advised me that it is company policy to only updated the information of the person we are speaking to. I explained I advised the rep I spoke to 6 years ago never advised me my wife had to call in and told me the account was updated. I the consumer do not know all Chrysler capitol 's procedures and it is the responsibility of Chrysler capitol to inform me my wife had to call in. Now our account went compromised for 6 years all our personal identity information and account sensitive information went to whomever lives in that XXXX house along with our car title. My wife and I now have to worry about both title fraud and identity theft. 

Lastly since my escalation to the appropriate department and leadership a new title has not been submitted to my wife and I. I am extremely concerned over who may have our car title and Chrysler capitol is not taking steps to get a new title out to us and also to ensure the title is not subject to fraud. My wife and I are expected to handle the situation with our state 's DMV bearing all the inconvenience and problems caused by Chrysler Capitol.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXX XXXXXXXX with a balance of {$1700.00} and XXXX XXXX XXXXXXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.
Product: Debt collection

I agreed to make a {$30.00} dollar a month payment to clear up my medical debt. I initially paid {$30.00} as a first payment on my debit card. They wanted me to call every month to make a payment and i refused to do that as i asked them to send me a bill monthly so i can send them a check. I did not want to use my debit card. XXXX refused to send me a bill on a phone call i had with her on XX/XX/year> she said that was not going to happen. If they dont send me a bill monthly i am not going to use my debit card i will only send a check with a bill and the last amount to show the deduction of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 or 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 reporting or other personal consumer reports

XXXX, XXXX, Experian, I requested on or around XX/XX/XXXX for validation of the debts I mentioned and the XXXX XXXX filed in XXXX XXXX Nevada in XXXX. I have not received validation of these debts. I also disputed credit inquiry and they are still on my credit file. I'm asking for the validation before I seek legal counsel. It's been 30 days and what progress has been made on my request for proof of validation?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/. I went to utilize the atm machine at Wafd bank, located at XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX. I took out a XXXX $ bill, and paid the XXXX $ atm fee. Like I have done 2 times a month, for the past 3 years. Using my XXXX $ bill for 1 load of laundry, I go into the branch to break the XXXX $ bill into XXXX XXXX $ bills. For the first time in 3 years, the teller asks me for my ID. So I provide it to her. As she is typing in information off my drivers license, I inform the teller, that Im breaking a XXXX $ that was dispensed from there atm machine, and that Im not applying for a loan or credit. She then stated that she has to capture this information for any money coming out of her tell. Which is not true, as Ive done this several times before. When she was done typing all the information from my drivers license, she then asked me for my social security number, I then told her Im absolutely not giving her that information to break a XXXX $ bill, and that we are done here. She said thats fine and gave me back my drivers license.
Product: Checking or savings account

My employer issued a {$3000.00} check from XXXX XXXX XXXX Bank. I completed a mobile deposit for this check into my account which is XXXX XXXX XXXX on XX/XX/year>. My car was broken into on XX/XX/XXXX ( I have video evidence ) in which my work backpack was stolen with this check inside. 

Without my knowledge the {$3000.00} was reversed from my account on XX/XX/year>. 

Both banks were claiming they were unaware of what happened and why. 

After months on investigation from XXXX & XXXX and XXXX bank I finally received an image of this check which as double endorsed and cashed at Webster Bank in XXXX CT. 

I have an image of the check after it was deposited by the thief as well as a notarized statement from my employer as well as XXXX & XXXX bank stating the check was meant for myself. 

With this issue on going for months I would like to get this resolved smoothly and quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Synchrony bank/lowes.This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Synchrony bank/lowes ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.
Product: Credit card or prepaid card

I saw an offer in the client online portal for American Express for the XXXX XXXX card with a promotional offer of 0 % APR for 15 months. I have two cards with American Express already and have never made a late payment nor closed any cards. I was immediately approved for the new card with a {$15000.00} credit line. A few weeks later I saw interest charges on my account and called customer service. They informed me that the 0 % APR offer was revoked. 

I had not been given notification from a pop-up nor email or secure message that I was ineligible for this offer. I read the TOS and did not find anything regarding ineligibility. Customer service was rude to me and refused to help. As a consumer, this feels to me like a bait and switch. 

As it stands, there is currently a promotional offer for the XXXX XXXX XXXX card at 0 % APR for 15 months in the client portal, so even now, there is a highly misleading offer being falsely advertised to consumers.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020, we respectfully served XXXX XXXX  XXXX XXXX, owned by parent company United Guaranty Corporation with a RESPA inquiry, see attached proof herein. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), a loan servicer or financial institution must provide consumer acknowledgment of request within 5 business days of receipt. 

As of today XX/XX/2020, the company XXXX XXXX  XXXX ( owned by United Guaranty Corporation ), have failed to even acknowledge our request. This is a clear violation of RESPA under section 6 of the Real Estate Settlement Procedures Act. 

We are asking for a copy of the HELOC loan note. Under Florida statutes we have every right to make such servicing request. We have no idea who the company is and how they obtain our account.
Product: Credit card or prepaid card

When I finally called, I could not complain because the voice prompt did not recognize my telephone number. 

I am getting promotional offers vi a USPS which I want stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from Experian, XXXX and XXXX that they forward to me via federal law, any consumer contract bearning my signature for the disputed accounts that they are reporting on my credit report. They have had more than 90 days at least to forward me in writing documentation with my signature and they have failed to do so. 

They continue to state that they verified information however they have not properly done so, they have not propely verified anything.they contine to forward to me, generic letters stating that the person that is reporting the information verified it. 

EXPERIAN response to one disputed item was that the furnisher has " certified '' that the information is accurate. THIS IS A VIOLATION OF THE LAW. the federal law is clear as to what methods are acceptable and taking the word of someone is not accurately complying to federal law. 


I CONTINUE TO SEND LETTERS REQUESTING THE PROPERLY VERIFIED PROOF.