23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept.
Product: Debt collection

I did not consent to, authorize nor benefit from any of the following : Credco XX/XX/2021
Product: Debt collection

I disputed this account and nothing was sent to me to legally verify this account that i truly belongs to me and that the company has the right to legally collect the {$210.00}. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Student loan

I have not been able to get any information about my Borrower 's Defense discharge. I received approval in XXXX and was told it would take 7 months to complete. It's a full month passed the 7 months Aidvantage said it would take them to resolve. I tried to get information once on the phone and twice in writing this passed month, all with no answers provided. I've attached a copy of my last complaint for reference and since then, nothing has changed. As suspected, Aidvantage isn't doing what they said they are supposed to do and are mishandling my account.
Product: Credit reporting or other personal consumer reports

If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX XXXX that is unfair collection, reporting, etc practices.

I did not provide this company authorization to pull my consumer report, provide my consumer report to a third party, nor provide them any form of authorization to report anything on my person self. This is an invasion of my privacy and I demand they cease and desist of any form of credit reporting on me or my social security numbers.
Product: Payday loan

Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it
Product: Credit card or prepaid card

Capital One had a billing error on my account. The billing error resulted in a late payment. Please remove the late payment.
Product: Checking or savings account

According to cash app terms Xlll ( 3 ) there suppose to protect my funds in my account on XX/XX/2023 I received and alert that I received money in my account around XXXX am I go to check and the app started acting up then UT closed on me and alerts can threw saying my email & pin has changed so I was locked out the account, I could not contact cash app until Monday morning one I did I explained everything they asked me for my information they said it's incorrect they wanted what's on the account I explained again telling them it was removed I sent my ID and my picture there response was if I can't submit all info that they want return my funds of XXXX and stop responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Debt collection

I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly. They have failed to respond and I ask that this debt be removed off my credit.
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 covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I authorized my Square payroll account to make a payment to one of my contractors. The payment was sent to the wrong account ( a closed account with XXXX XXXX  ) due to no fault of my/contractors own - the new account for payroll payment was verified Prior to the payroll payment. 

Square is claiming that XXXX still has the funds. XXXX is saying no, we don't hold funds, they go back immediately ( which has been true for 2 other transactions that went back to origin immediately ). I've contacted Square 's payroll and customer engagement departments multiple times requesting they provide the info from an ACH trace or the ref # provided by the bank ( XXXX ). I've also requested a manager call in which they said they would in 24-48 hours but have not at all. They refused to assist and even closed my case stating that the money is just lost and I will not be able to retrieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Transunion to remove the fraud alert immediately. That issue was resolved.
Product: Credit card or prepaid card

A company called " XXXXXXXX XXXX '' is continuing to charge my Capital One Cabela 's account card ending in XXXX. I disputed the charges totaling all told ... {$360.00} with a Capital one Customer Service agent who promised that they would be removed and my account credited. He further stated I would receive a new card and any new charges by " XXXXXXXX XXXX '' would be denied. However, Capital one says they can not " find evidence of any fraud '' .. and put the charges back on. He further told me that Capital One would mail me a new card ( which they haven't done ). I am a XXXX Veteran and I called XXXXXXXX XXXX and asked for them to discontinue charging my card THREE TIMES and they agreed several months ago yet the charges keep happening to the tune of {$40.00} every month. Capital one is refusing to refund me charges that are fraudulent. XXXX XXXX, although has access to MY card and is on the account as an authorized used ... .states she did NOT authorize these charges either. She authorized {$40.00} ONE TIME quite some time ago but XXXX XXXX keeps charging every month. They even put the interest back on for each charge. This is unacceptable. I have frozen my card at Capital one but am afraid they are going to continue to let " XXXXXXXX XXXX XXXX' charge me frauduletly. Please help me fight this. Thank you .... Also Capital one sent me email .... addressing me as XXXX XXXX... I am NOT XXXX XXXX... I am XXXX XXXX XXXX and this is my account SOLELY. XXXX XXXX XXXX... I AM THE OWNER OF THIS ACCOUNT SOLELY LEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX for {$2100.00} dollars has violated my rights. 

15 U.S.C. 1681 section 602 A., states I have the right to privacy.

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

15 U.S.C. 1681 c. ( 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 convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting to any consumer reporting agency.
Product: Debt collection

This account was opened in XXXX XXXX, 2017. I dont have XXXX XXXX XXXX ... .I had XXXX. This was opened by someone else.
Product: Mortgage

I refinanced mortgage loan from LoanCare to XXXX. LoanCare paid taxes ( escrow account ) as did XXXX. LoanCare paid taxes knowingly paid taxes even though they were informed on XX/XX/2016 that refinance was happening and they had given documents to XXXX ( new lender ). I have been trying to work with Loancare since XX/XX/2016 to get my money back as Tax collector only received tax money from XXXX. LoanCare has consistently misrepresented where my money is. I have documentation $ returned to them on XX/XX/XXXX. LoanCare 's representatives have been either ill trained as their information does not match the facts.
Product: Debt collection

An individual with a fraudulent XXXX  drivers license in my name took out a loan for {$3500.00} in XX/XX/year> from Heights Finance. At the time I had a XXXX  drivers license and was living in XXXX XXXX for a while. XXXX alerted me to the fraud in XXXX and when I reached out to Heights FinanceXXXX they gave me a list of documents to fill in and get notarized which I did. However, every time I called them asking where to send these documents, they could not give me an answer, would not put me through to a manager and never called back. I called every month. They have now handed this over to a debt collecting agency. I have the proof Ito show it was not me- I was out of the country, had a XXXX  drivers license and even the email they had on file was not mine. 

Also, which company gives out a loan with a drivers license only? I am also reluctant to now send them my info- which includes social security number, drivers license and passport- as I do not feel they would keep this info secure. Heights Finance is as much of a fraud as the guy who stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors JPMCB Business Bank ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
Product: Checking or savings account

I tried to create and an account with Money Lion for their roar money account however they denied opening an account to me because they could not verify my identity. I have two last names which their system only allows if the names are hypenated, mine are not. I submitted documentation ( my ID and marriage license ) to provide verification but my account was denied. Due to the denial I asked if my information including my social security number, name, address and email address could be removed from their database to which I was told no. I was informed that they would retain my information but only deactivate the account. I simply want my information removed if I can not monitor its use and was told no.
Product: Checking or savings account

Bank of America closed my account. I was notified when I was unable to login into my online account. I called and like always was treated horribly. The representative told me she doesnt have to give me a reason. Her words we can close your account anytime just like you can. That was all I was told. No fraud account was not overdrawn. I was retaliated against and there was nothing I could do! After banking with Bank of America for years. After the American Care Act was put in place and a pandemic how can Bank of America not provide any explanation! I want my record and calls into Bank of America reviewed! And a proper response to be given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires on my credit report 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
Product: Debt collection

In response to a debt validation request I submitted to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX the company provided documents that do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The documents included a statement indicating that a last payment was made on XX/XX/year>, with a charge-off date of XX/XX/year>. However, an account summary they provided shows a different last payment date of XX/XX/year>, without any corresponding statement to support this claim. This discrepancy raises significant concerns about the accuracy and legitimacy of the debt information. 

Furthermore, the documentation provided did not include the original signed promissory note or any other documentation directly from the original creditor, Comenity Bank, proving that I agreed to the terms of this debt. Despite my request for proper validation, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide sufficient evidence to substantiate the debt. 

In addition to these discrepancies, the original creditor, Comenity Capital Bank, has an arbitration agreement that requires any legal disputes to be resolved through arbitration rather than court proceedings. This agreement includes specific terms, such as a 60-day notice requirement before initiating arbitration, waivers of class action and jury trial rights, and a requirement that disputes be resolved individually and through final and binding arbitration. 

Given the failure to provide proper validation and the inconsistencies in the documentation, I have formally requested that XXXX XXXX XXXX XXXX XXXXXXXX XXXX cease all collection activities and remove the account from my credit report. However, the company has not yet complied with this request. 

As a result, I am filing this complaint to seek assistance in ensuring that XXXX XXXX XXXX and XXXX XXXX XXXX cease any further collection activities related to this disputed and unvalidated debt and that the inaccurate information is promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates the removal of any wrong accounts from my credit report. Can you check the documents? Some accounts have been inaccurately listed, with incorrect amounts and dates reported.
Product: Debt collection

This company has been calling my phone more than once to collect a debt. The first time they called, the representative held the phone and later disconnected the call. The second time, they called my phone and hanged up as soon as I picked up. When I call back, I received an automated system which indicated the caller is SUNRISE CREDIT SERVICES. 

When transferred to speak with a representative, the person on the other line requested a name that I had no idea who the person is. She indicated the call was a mistake. 

Unfortunately, this company has called my phone a bit too much and it needs to be reported.
Product: Debt collection

I keep receiving calls from this XXXX in an attempt to collect a debt which they state they have acquired from Check N Go. This credit collection company states that there is a pending legal matter being filed. I simply ask them to verify the validity of the debt, by sending me information on when they acquired the debt, what was the amount of the debt, and accompanied dates. And they state that they can't provide the information, and that I will only get that information when we go to court. They continue to call my cell phone, and other family member cell phones multiple times a day.
Product: Credit reporting or other personal consumer reports

Similar to my XXXX XXXX plight with experian on or around XXXX, and XX/XX/year> I submitted a formal dispute to Experian regarding inaccurate and incomplete information reported for XXXX XXXX XXXXXXXX Account XXXX on my credit file. Experian failed to provide sufficient verification of the accuracy of this information, as required by 15 U.S.C. 1681i. 
I also provided detailed explanations and supporting documentation highlighting inconsistencies, such as the incomplete reporting of the date the account was closed and the incorrect past-due status that does not align with the accounts history. Despite this, Experian did not conduct a reasonable investigation and has continued to report this inaccurate information. 
According to the FCRA, when a consumer disputes the accuracy of information, the credit reporting agency is required to conduct a thorough investigation and provide verification or delete the disputed information if verification can not be obtained. Experians actions have caused significant harm to my credit profile and financial standing. 
I am requesting that Experian : 1. Conduct a reasonable reinvestigation of the disputed account ( s ) as mandated under the FCRA. 
2. Provide a detailed explanation of the investigation process and verification methods. 
3. Correct or delete any unverifiable or inaccurate information immediately. 
Failure to resolve this matter promptly will leave me no choice but to pursue further action, including legal remedies. 
Supporting Documents : Dispute response received from Experian Credit report showing inaccurate information Notes on specific errors and incomplete reporting Desired Resolution : I request that Experian promptly resolve this issue by conducting a proper investigation, providing verification of the disputed information, or removing the unverifiable data from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX, PA XXXX ]
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  XXXX - XXXX - {$2000.00} XXXX  - XXXX - {$3500.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Checking or savings account

I had an account with Netspend for several years with no issue whatsoever. They eventually offered me a secondary card through XXXX which I applied for and received, again with no issue. I had the open account for a few months but had never deposited funds towards yet. I ended up transferring funds from my XXXX account into the account i/a/o approx {$360.00}. I made 1 purchase for {$150.00} or so and had attempted another which was declined. I received notification from Netspend that my account had been locked for some reason but which was not explained. I had {$9.00} left available in the account and {$210.00} from the declined transaction which was still pending. For no obvious reason, Netspend decided I was now no longer eligible for an account with them. I was calling several times a day in the attempt to resolve whatever the issue was and also regain access to my funds. It took many calls to even get any kind of explanation and I was told it was because the transaction I attempted was prohibited by them. Im not sure how I was supposed to know the purchase or merchant was prohibited, because it was never specified or explained in advance. I was not trying to buy anything illegal or questionable in any way and nowhere on their site or XXXX XXXX XXXX XXXX does it state which merchants are prohibited. It also doesnt specify anywhere that simply attempting a transaction with a prohibited merchant will make them close your account immediately. They closed both my original account and the XXXX account. I was sent a check for {$9.00}, which wasnt even the full balance of my account, as well as a check for {$79.00} which was the balance of the first initial account. It took another 2 weeks to get a 3rd check for the remaining {$210.00} I was owed. I brought the checks to XXXX to cash them and couldnt because they wouldnt said the checks were probably not even good. So I'm stuck with XXXX checks I cant even cash to get my funds. Since then, Netspend has sent me 2 account offers with debit cards. One account offer was for an " upgraded '' account through Netspend and the 2nd was another card through XXXX. I was unable to actually activate either card when I attempted, and would get directed to their customer service and told again that I was no longer eligible for an account. Then why send the damned cards in the first place? I didn't do anything wrong to even warrant that determination and they refuse to reconsider the information based on the truth. Im stuck with 3 checks from them that I cant cash and they refuse to acknowledge they made a bad decision and reconsider the situation.
Product: Consumer Loan

I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.