23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion due to their failure to investigate and resolve inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, TransUnion received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, TransUnion has failed to provide any updates or resolution. More than 30 days have passed since the delivery of my dispute letter. 
As a consumer, I am entitled to accurate credit information. The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like TransUnion, must investigate disputes promptly and accurately. XXXX failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to TransUnion and the USPS certified mail receipt as evidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX
Product: Credit card or prepaid card

Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. 

With that said, the basic scam is a very common XXXX XXXX  scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX  to report this and that should resolve it. XXXX/XXXX  makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. 

With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. 

Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : 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 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: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX  Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit that highlighted significant issues with the platform. Despite using Zelle numerous times and reporting issues, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking the transactions were infeasible. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card or prepaid card

My BofA Visa card had fraudulent activity which included fraudulent payments made via phone payment to my account ( totaling close to $ XXXX ). I called BofA to alert them of the fraud and they reversed the payments. When the fraudulent payments didnt go thru, they returned the payments a second time. All returned payments were sent to the fraudulent account at XXXX XXXX. This activity occurred in XXXX of 2022, and since then Ive tried to resolve this matter on my own with no success. BofA closed the card due to the fraudulent activity, even tho Ive had the card without issue for 10+years ). I currently have a balance on my card with the amount of the returned payments ( which doesnt belong to me ). Since Ive had no luck resolving, and I refuse to pay as the balance is not mine, the amount is growing due to finance charges and late fees. Additionally, my credit score is being adversely impacted. Every time I call BofA, I spend hours on the phone being transferred back and forth between fraud and customer service departments because no one knows how to handle this BANKING ERROR, which is what this is now.
Product: Debt collection

I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.
Product: Credit card or prepaid card

I received an email notification from macys about my balance so when I logged in I saw I had a credit on my account. I have a few credit cards so I didn't think anything of it and asked them to just send me a check, which they did. Then suddenly about a month later they had charged like $ XXXX to my account so that it would show that I actually owe the same amount as the check. I now realize their mistake but they can't just add a balance to my account without my permission when I haven't even purchased anything nor used the card. I kept contacting them to take it off my account but they kept trying to turn it around on me, like I'm responsible for their mistake. Then to top it off they took a payment out recently when I don't even have my account on autopay. It's beyond infuriating and I've spoken to multiple people and nobody has helped.
Product: Credit reporting or other personal consumer reports

Inconsistent late payments appear on my credit report. Please investigate and amend these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to let them know there are XXXX incorrect addresses on my credit report and they have yet to have the addresses removed.
Product: Debt collection

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. 
Portfolio Recovery bought an account from XXXX XXXX ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, XXXX and Transunion have reported as recent as XX/XX/XXXX
Product: Vehicle loan or lease

I bought a car and the dealership did the loan through NBT Bank. NBT Bank charged me twice for the first month for my car payment. They took {$390.00} on XX/XX/XXXX and {$390.00} on XX/XX/XXXX. After calling XXXX times and not getting the issue resolved, I disputed the second charge with my bank ( XXXX ). On XX/XX/XXXX they charged me a {$20.00} fee for revoking the second payment. I have called XXXX more times. A representative claimed that there was an internal and external payment set up and she deleted the second one. That apparently wasn't true as the XXXX  time I called both payments were still set up. This XXXX  representative claimed the second payment was deleted and I could put in a request to get my {$20.00} back, but based on the fact I've had to call them XXXX times to try to get a normal monthly autopay set up and they can not figure it out, I highly doubt they'll get it together. I want the {$20.00} back and I want confirmation they will just take XXXX monthly payment a month ( they can use the external payment set up ).
Product: Checking or savings account

I have issued a check from my checking account for {$10.00} payable to elementary school. 
My checking account has enough balance but check was declined with reason account frozen. School has issued a debt collection letter for {$10.00} + {$30.00} fee = {$40.00}. 
It was so embarrassing for declined check of so small amount + costed me {$30.00} fee. 

Upon contacting Citi bank, I was told that even though checkbook was issued by Citi. It is citi policy that check should have been activated before using hence auto declined. 

Contacted Citi bank via online chat on XX/XX/XXXX at XXXX CST. I was on chat for hour with 90 % wait/hold time ( Citi should be able to check thr record ). such a poor customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to Wells Fargo in regards to this account. They contacted me in regards to the wrong account. XXXX XXXX XXXX reported an account with Wells Fargo. i never opened an account with wells Fargo. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.
Product: Checking or savings account

I opened a Citi checking and savings account XX/XX/22 with a {$30000.00} transfer from my checking account with another bank. On XX/XX/22 2 days after I was making a {$5000.00} transfer from my Citi savings account to my brokerage account, I received a notice that my transfer to my brokerage account did not go through. Upon further investigation, I found through the Citi app that both my checking and savings accounts had been blocked from my access. I have not as of this day XX/XX/22 received any formal text, call, or e-mail, or mailed statement telling me that my account has been blocked. 

The first time I was able to contact a representative, he stated that my account had been flagged for fraudulent activity and that my account was now blocked and any funds would be returned to me by check in 30-60 business days. I requested further information and was told that there was a fraudulent alert issued by the other bank account that I had originally transferred funds to the savings account from. 

Upon investigation with my other bank, they stated that this was a false statement as they do not flag fund transfers between bank accounts and that there was no record of flags ever having been on my account. 

This led to my second attempt to contact Citi which led me to a second representative who again stated the same scripted statement that my account was blocked, would be closed, and that I would receive a check in 30-60 business days. I pushed for any kind of background information after voluntarily offering to confirm my address as well as the last 4 digits of my SSN. At this point she simply wished me a good day and hung up the line. Note that each phone call takes approximately 10 robotic messages to reach a human representative. 

The funds that i've deposited in my Citi accounts make up roughly 90 % of my liquid funds as well as my full emergency fund that i'm able to pay my bills with, buy groceries, etc. Any kind of interruption in my regular income will most likely affect any financial stability that I currently have.
Product: Debt collection

My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters the credit bureaus to get some items investigated on XX/XX/2021. I have not got an update to this day i got nothing in writing no score change nothing as a consumer that is not fair reporting i have things I need and the bureaus are holding me up. They have been in business to long to handle business like this ...
Product: Money transfer, virtual currency, or money service

I mistakenly sent money through zelle to the wrong person and i was unable to get money back
Product: Vehicle loan or lease

I paid my lease payoff amount to XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$12000.00} on XX/XX/XXXX via wire transfer. Wire was payable to XXXX XXXX XXXX XXXX ( XXXX ). They received the money and told me I would receive the title and Bill of Sale within 15 days. I have yet to receive the title or Bill of Sale and am getting the runaround from them ever since. I have spoken with XXXX no less than 10 times since XXXX and have been lied to on several occasions as to the status of my title being sent to me. I was told by a manager named XXXX on XX/XX/XXXX that the title was with their title department at that time and it would be shipped to me within 3 days. That did not happen. I believe they are acting unethically and possibly scamming me. The delay has cost me well over {$1000.00} in the resale value of my car. I reached out to the XXXX  XX/XX/XXXX and have yet to receive any reply from XXXX or an update from XXXX  after they sent my complaint to XXXX. Complaint number with XXXX  is XXXX.
Product: Debt collection

I received a XX/XX/XXXX letter from Linebarger Goggan Blair and Sampson In response to a complaint I filed with CFPB. XXXX XXXX started in this letter that the funds that I discovered had been illegally intercepted were the result of an account that had been forwarded to their office in error by the XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX started in his letter that these funds would be returned to me. 

I contacted the XXXX XXXX upon receipt of the letter from LGBS and the Clerk of the Court disputed XXXX XXXX contention and provided evidence that no account had been forwarded To LGBS and that my original debt to the court for a traffic violation, had been PAID AND RESOLVED in XXXX. 

Additionally, LGBS has received a check for the {$300.00} they erroneously intercepted and have not returned the money they took from me as XXXX XXXX said they would. This company is now collecting interest on money that belongs to me, has not returned my {$300.00}, and has a history of Class Action settlements for unsavory business practices. 

Please post my complaint as Linebarger Goggan Blair and Sampson continues to use illegal means to collect and make money by illegal and deceptive means.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a XXXX Credit card which converted to a Wells Fargo XXXX. I am up to date on payments. I have received XXXX late charge fees which are not warranted whatsoever.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me SXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX that's reporting on my credit report and it was deleted from all 3 bureaus but for some reason, It reappeared on my credit report with no explanation, no letter was sent to me not explaining why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) .specially cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I have a loan with TOYOTA MOTOR CREDIT CO XXXX Balance {$14000.00}. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.