23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX from American Coradi international ( http : //www.americancoradiusinternational.com/ ) contacted me numerous times : XX/XX/XXXX at XXXX XXXX PST, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and today XX/XX/XXXX at XXXX XXXX. 

Even though he has my address, he has refused to send anything to me or negotiate with me. I have reported his unprofessional behavior to XXXX who hired this collection agency and they are investigating. 


My credit score has dropped a lot because of American Coradi 's tactics.
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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately
Product: Money transfer, virtual currency, or money service

I received a phone call from a gentleman saying he was calling from Apple Credit Card and said that I missed a payment and that he was calling to collect a payment from me, I told him I didnt have an Apple card and if I did I would call Apple directly and he ignored me and suggested me making a payment since he had me on the phone, I repeated what I had previously said and hung up my cellphone. He did have my full name, I called Apple Support and notified them of this and they confirmed that they DO NOTCALL for payments, they sent me this link to do a report and said they were going to write this information for their records
Product: Credit reporting or other personal consumer reports

I hope you're doing well. Im reaching out because I recently reviewed my credit report and noticed an account listed that is completely unfamiliar to me. I have no idea what this account is or how it ended up on my report, but I can confirm that it does not belong to me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax  's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is accquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for account removal.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made the payment to Capital One on XXXX the XXXX from my bank account and it was applied on XXXX the XXXX and I was charged a late fee of {$38.00} on XX/XX/XXXX. The fee was reversed as I called an complained as I am never late. I attempted to make a payment today XX/XX/19 and was advised that the payment was {$130.00} as opposed to the {$94.00} that should the payment since there was a credit of {$38.00}. Instead I was advised that the payment could not be lowered since the cycle had passed and the statement went out already after the credit for the late fee. This sound crazy as XXXX and makes no sense. The payment should not be increased by the {$38.00} if the fee was reversed no matter if the billing cycle has passed or not. This is absurd, interest can't and should not be charged on the balanced based on the late fee, so why would my payment be based on the reversed late fee?
Product: Debt collection

I enrolled in two classes and soon after I withdrew because I did not have the time to do all the required work. I should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XX/XX/XXXX, XXXX XXXX XXXX updated my trade line as current.
On XX/XX/XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XX/XX/XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XX/XX/XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XX/XX/XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XX/XX/XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions
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 ( XXXX XXXX ) and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible in that tracking these insurances was not possible. However the CFPBs findings indicate that has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a bankruptcy on my credit history from 2015 that I did not file. Before contacting the personal information company ( LexisNexis ), I called the Court Clerk in question. She informed me that the bankruptcy was filed without an attorney and no record of who actually filed it. There was never a XXXX hearing, which is where the Court verifies the identity of the filer to make agreements with the creditors. The bankruptcy was dismissed without ever verifying the identity of the filer and any action taken within 2 months. 

Since I did not file this bankruptcy, I took my dispute to LexisNexis providing this information. I submitted the dispute request via LexisNexis 's electronic system at XXXX XXXX on XX/XX/XXXX, verified by their response email. As the 30 day deadline approached without any word from LexisNexis, I sent several follow-up messages to learn the status and continue to inform them that since the FCRA required a 30 day resolution, the deadline was coming up. They acknowledged, in writing again, receiving my request on XX/XX/XXXX, which started the timeline. Finally, on XX/XX/XXXX, a full 38 days after the submission, they claimed to mail the resolution report on XX/XX/XXXX, which is still after the deadline. When the resolution report arrived, it wasn't postmarked until XX/XX/XXXX - 39 days after the dispute was initiated. 

I spoke with a phone representative who told me that they kept the bankruptcy on my file despite never actually reaching out to the Court to verify and exceeding the 30 day mandated FCRA guidelines. I have reached out several times since the deadline has been exceeded and asked for action to taken and have heard nothing in response.
Product: Credit reporting or other personal consumer reports

These are all new credit inquiries that I did not authorize and have no knowledge of. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX an annual fee of {$59.00} was charged to my Indigo credit card ( Genesis FS ). The company was unaware that I am covered as a dependent under MLA. I called and politely explained that I was not subject to this fee on XX/XX/XXXX. The customer service representative inquired with a supervisor, who stated that only the active-duty member could have fees waived. I attested to this and restated the law. They then inquired with another manager who demanded that we provide a letter from a commanding officer in reference to SCRA. Since this account is under my XXXX  name, XXXX XXXX, I let them know that I would kindly send my military ID to implement a name change and provide proof of military dependency. The company refused to acknowledge MLA and is sending a letter about SCRA. I am appalled that managers in a consumer credit company do not understand basic consumer credit laws.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I need your help in correcting a bogus XXXX XXXX bill that is negatively impacting my credit. 

I received an alert on my phone that my XXXX credit score had dropped by nearly 50 points. I then checked my XXXX credit report and noticed that Frontline Asset Strategies Collections agency placed a XXXX XXXX bill to my account in error in the amount of XXXX dollars. 

So, I called and informed the Frontline Asset Strategies call representative that I paid my final XXXX  bill in XX/XX/2021 in store in the amount of {$90.00}, at which time my account with XXXX was closed and phone number was transferred to another provider. 

The call representative said my address is XXXX XXXX XXXX XXXX which is not a place where I have ever lived or resided. 

I have contacted XXXX who expressed my account shows a XXXX balance, this is an error and is a signficant concern. 

I have an excellent payment history and do not owe XXXX as my final payment was made to them on XX/XX/2021. 

Thank you for the amazing work you do each day!
Product: Mortgage

XXXX I received notice from XXXX XXXX that our loan will be sold to Flagstar Bank XXXX Notice stated " As of XX/XX/XXXX XXXX XXXX will stop accepting payments from you. Starting XX/XX/XXXX please make all payments to your new servicer '' XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent an XXXX mortgage payment to Flagstar bank ( account number as noted on the XX/XX/XXXX notice from XXXX XXXX ). 
XXXX I received a statement from Flagstar bank noting that my XXXX payment had not been received. I contacted XXXX to inquire. I was told by XXXX that Flagstar bank rejected my payment on XX/XX/XXXX noting an invalid customer ID. We verified the account # with the account # on the Flagstar statement. The account numbers matched. The XXXX agent additionally noted that the money was being refunded to me. I checked my XXXX account and it showed a " pending '' refund from Flagstar on XX/XX/XXXX in the amount of my mortgage payment. 
- I contacted Flagstar to ask " why '' and was told that there was no sign of a payment in their system. I informed the agent about the information regarding the ACH payment provided by XXXX. I was told that I could make the payment now. I told the agent that I would like to pay and would like the account to reflect receipt of payment on XXXX and interest adjusted accordingly. I was told " Flagstar does not owe me anything ''. The agent reminded me that this would not reflect on my credit score but there was no solution to the fact that interest was now being charged on principal that I had paid on XX/XX/XXXX. I did not have access to my money between XX/XX/XXXX and XX/XX/XXXX. The amount did not clear " pending '' status until XX/XX/XXXX. 
XXXX Once the refund from Flagstar cleared my account I made my XXXX payment. 

As a consumer, I am not at fault for Flagstars inability to have the accounts they purchased ready for payment receipt by the due date of the payment. They knew they were the new service provider on, at a minimum, XX/XX/XXXX. The accounts should have been created and ready for payment receipt on XX/XX/XXXX. The account information was given to me in the XX/XX/XXXX notice from XXXX XXXX. Therefore, the account was clearly created, yet on XX/XX/XXXX my payment was rejected as " invalid customer id '' In this situation, I did not have constructive receipt of my money between XXXX and XX/XX/XXXX ( day it showed " not pending '' ) I am one of millions of Americans whose mortgages are sold every year. This Pattern of Behavior among mortgage service providers is an unfair practice that thrives off of a consumers lack of knowledge. Most consumers are probably paying the missed payment and are unaware of the impacts of compounding interest.
Product: Credit reporting or other personal consumer reports

I have disputed these " debt buyer '' to validate these debts and they have failed to do so. They did not provide me with binding contracts, receipts or any evidence that I have to pay them. According to 15 usc 1681e ( b ) that anything report must be accurate or it must be deleted. What was provided that everything was certified that is was accurate or updated, how was that done? I requested a reinvestagation but nothing changed. I believe these companies as well as the CRA has violated my consumer rights.
Product: Checking or savings account

I opened an account, set for auto renewal in XXXX at the HSBC at XXXX XXXX XXXX in XXXX. It renewed several times without error. The last auto renew was set for maturity on XX/XX/XXXX. The interest was never added AND the account never auto renewed. I never received notice of this maturity and the {$5000.00} sat in my online banking. 

On XX/XX/XXXX I logged into my banking and noticed the CD was closed and the money was gone. On a phone call that day, HSBC said they had cut a check and mailed me a notice as to why the account was closed ( these were went XXXX ). As an act of good will, I was told the check was cancelled and the {$5000.00} ( without the two terms of my 0.075 % interest in two 6 month auto renewed CDS ) would be deposited on XX/XX/XXXX into my savings account. 

By XX/XX/XXXX, the money hadnt arrived. Now customer service is refusing to give me details on where the money is and if I will get it back. The bank never notified me in writing, phone call or email about : -- any maturity to the account after XX/XX/XXXX -- why the account was closed -- why the CD did not auto renew -- where the funds would be relocated ( via check or deposit ) I am currently without answers and no one from a branch or customer service will give me an answer as to what happened to my funds and if I will be getting them back.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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.

To go into further detail, I contacted the company about my account getting hacked and my money stolen. Nothing was done about it.
Product: Checking or savings account

Ive requested several times for explanations on their overdraft fee policies over the phone. I was given 2 back and it still occurs weekly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person