23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I had a medical bill from XXXX XXXX XXXX. I did not have the money to pay the debt at the time. I sent a cease of communications after talking to Cypress Collections. I spoke to XXXX then, who was very rude and would not work with me. On XXXX/XXXX/XXXX, I reached out to Cypress Collections and asked to speak to a Supervisor. I then waited briefly and spoke to XXXX who claimed she was a Supervisor. XXXX then stated she was a supervisor/ manager/co-owner who did not want to work with me and then kept interrupting me as I spoke and kept telling me ; '' no and it 's not going to happen. '' XXXX then disconnected the phone call without an cause or informing myself. I did pay {$50.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX and stated the following ; " to make a payment on the account as I know it 's past due. ''
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} FIRST XXXX XXXX  XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion, XXXX via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my credit.
Product: Credit reporting

XXXX is reporting for XXXX on Equifax that I owe almost {$4000.00} to a company I never did business with. I 've even spoke with a representative from XXXX in the past who said the information did not match, but yet it remains. I 've never been called, never received any documentation, nor any showing my personal information even matched from XXXX. I 'm a single mother with a XXXX, who was diagnosed with one XXXX in XX/XX/XXXX and another in XX/XX/XXXX. I did n't even know what XXXX was until I called.
Product: Mortgage

Was quoted {$650.00} for appraisal fee on XXXX. When I signed XXXX XXXX XXXX XXXX it changed to {$750.00}. I followed up and lender said after they " verified '' appraisal fee it should have been {$750.00} not the original quoted {$650.00}. I paid {$750.00} for appraisal on XX/XX/XXXX. On XX/XX/XXXX they said the appraisal had changed to {$1400.00}. I emailed same day saying this was a residential property and that {$1400.00} was way out of the ballpark for those services. On XX/XX/XXXX they said they found an appraiser for {$900.00} which I also pushed back. It was my understanding that upon signing the application those items would remain unchanged unless appraisal came back too high or too low. I feel like this company is trying to extort clients by charging excessive fees after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX HAS VIOLATED THE LAW ALONG WITH PREM CRED. I DID NOT GIVE WRITTEN CONSENT TO PREM CRED TO PULL MY CREDIT. XX/XX/XXXX IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS 100XXXX ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$540.00} XXXX XX/XX/2021 XXXX XXXX  XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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* 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information as a result of the data breach announced in XXXX 2017, which included names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. This puts me and millions of other people at risk. I have verified that I am a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repaid in full and closed my auto loan with XXXX XXXX XXXX on XX/XX/2018 ( account number XXXX ). This has not been reported by FICO and my credit score has got impacted due to lack of payment information. I get this message when I do my credit check with XXXX based on Equifax FICO Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.
Product: Checking or savings account

My account been locked for 3weeks since XXXX XXXX I cant access my money the company keep saying they gone send me a letter still havent received it I just want my funds
Product: Debt collection

Online Information Services is now conducting fraudulent credit practices by updating information on my personal credit file without verification of data. Online Information Services has proceeded with fraudulent collection activities. They have added a collection on my credit file for XXXX, XXXX, and XXXX without validating the debt. I sent a letter to validate debt and hippa authorization. Online Information Services never sent back the information I requested. Letter was sent certified mail.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Key Express Checking opened XX/XX/XXXX. Terms of account not in agreement with original details outlined in account. Fees charged for both lack of deposits and minimum balance. Closed account about XX/XX/XXXX. 

Asked for a debit card for my savings. Was told via customer service on XXXX ( XXXX ) XXXX that the account can not be used with a card. I was given a generic ATM withdrawal card, told that a Hassle Free checking would be opened to honor a debit card to be used with the account. The result was the same Key Express Checking account being reopened that I previously closed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference Number : XXXX To the XXXX Compliance Department, I am writing in response to your letter dated XX/XX/year>, regarding my complaints about the XXXX XXXX account. This letter serves to clarify my position on this account, reiterate the details of my dispute, and request specific actions from XXXX. 

Summary of My Dispute 1. Identity Theft and Unauthorized Account Activity : The XXXX XXXX account was established fraudulently in my name without my knowledge or consent. This account is a result of identity theft, which has been documented through prior complaints and communications with your organization, the FDIC, and the CFPB. 
2. Inconsistent Information on Account Ownership : XXXX XXXX XXXX closed this account on XX/XX/year>, as fraudulent and stated it would delete its tradeline. However, I later received a notice from XXXX XXXX XXXX XXXX, on XX/XX/year>, claiming the account had been transferred to them, causing confusion and inconsistency about the accounts current ownership and status. 
3. Misleading Credit Reporting : Despite XXXX XXXX XXXX confirming the accounts fraudulent status, the XXXX tradeline is still inaccurately reported on my credit report, specifically with Experian. This reporting is erroneous and has a detrimental effect on my credit standing. 

My Requests Given these circumstances, I am formally requesting the following : 1. Permanent Deletion of the XXXX Tradeline : I request the complete and permanent removal of any tradeline associated with this fraudulent account from all credit reporting agencies. 
2. Documentation of Account Ownership and Transfer History : I request a detailed history of the ownership and handling of this account, documenting all dates and entities involved in its transfer or servicing. This information is necessary to clarify the inconsistencies and resolve this matter. 
3. Immediate Cessation of Collection and Reporting : As the account has been confirmed as fraudulent, all collection efforts and reporting should cease immediately. Please confirm that no further reporting will be made concerning this account. 

Next Steps Please provide a written confirmation of these actions within 10 business days. I am committed to resolving this issue and will pursue further action if necessary. You may contact me by email at XXXX or by phone XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> a debit payment of {$54.00} was mistakenly made to my account to XXXX XXXX causing me to have a negative balance of XXXX XXXX XXXXXXXX. I did not authorize a {$54.00} payment to be taken out of my account for XXXX XXXX on XX/XX/year>. I do not have an automatic payment arrangement with XXXX XXXX to debit my account for my monthly bill. I've requested that US Bank not give me overdraft protection! I've stated that any lack of funds for a transaction cause that transaction to be declined. 

I authorize a debit from my account to pay my XXXX XXXX bill each month usually at the end of the month or in the first week of the month. For the XX/XX/year> bill I authorized a payment of {$54.00} on XX/XX/year>. On that date I received a payment receipt from XXXX showing that XXXX had been received that payment. I later received an email from XXXX showing that payment had been received. When I called XXXX after speaking to US Bank about the negative balance they told me they'd received the XX/XX/year> payment.

So, why doesn't US bank records reflect that payment on that date. As usual, as I stated above, I authorized the payment for a debit for the XX/XX/year> bill on XX/XX/year>. I've declined automatic payment to XXXX. Payment of that bill is reflected on my account. Why didn't you reflect the payment of the XX/XX/year> on my account so I could see it. On about XX/XX/year>, when I talked to US Bank representative who filed the dispute, she clearly stated she saw the record showed I authorized the XX/XX/year> debit payment. Why isn't that reflected so I could see it and why was a Provisional Credit From XXXX XXXX needed for unauthorized payment debited from my account on XX/XX/year>? Why was that payment allowed to go through if I've declined overdraft protection and asked that insufficient fund transactions be declined? At the time I authorized the payment on XX/XX/year> enough money was in the account and it should have been pending until processed.
Product: Payday loan, title loan, or personal loan

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan. Semi monthly payments of {$360.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, can The LoanSmith legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXXXXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX. XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

I was contacted by Capio Partners LLC for an alleged debt they claim I owe from XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX XXXX. Capio Partners is attempting to collect this debt on behalf of XXXX XXXX XXXX. On XX/XX/XXXX I contacted Capio Partners via phone to request verification of this debt and was sent an account statement dated XX/XX/XXXX that stated there was a {$0.00} balance and that it was not a bill. They have since not verified the debt further and were sent a formal written notice via certified mail on XX/XX/XXXX ( recieved XX/XX/XXXX ) requesting further verification of the debt with documentation from the original creditor and have not received any contact. It is now XX/XX/XXXX. They are continuing to attempt to collect this debt despite not verifying the validity and ownership of this debt. This debt was paid by health insurance at the time it was issued and the documentation sent by Capio Partners clearly reflects a XXXX balance on the account. They claim in a letter sent with the first collection notice that the reason for the XXXX balance reflection is because the debt was sold to XXXX XXXX XXXX and then purchased by them so the account was paid according to XXXX XXXX XXXX XXXX. This is not sufficient verification that the debt is owed and owed by me. They have put a derogatory account on my credit report for this alleged debt even though it has not been verified and new CFPB rules enacted XX/XX/XXXX state that medical debt less than {$500.00} can not be added to a credit report. They have engaged in numerous dishonest, misleading, and illegal collection practices and are causing damage to my consumer credit report for debt I do not owe.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving user vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.
Product: Debt collection

I wish to lodge a complaint regarding the debt collection practices of Portfolio Recovery Associates. I  am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be XXXX XXXX ), but Portfolio Recovery Associates is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, 2016, I sent a letter requesting Portfolio Recovery Associates to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, Portfolio Recovery Associates have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus.

In addition, a representative of Portfolio Recovery Associates called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.
Product: Credit card or prepaid card

I purchased a netspend card at the XXXX XXXX and loaded XXXX dollars on the card for my son to use. I put the card in his name and with difficulty could not use it. We were instructed to call the activation Department and was told that he had to submit another form of I.d . proving it was him. After the conversation a social security card was a acceptable form just to find out the money couldn't be accessed because they didn't accept his social security card. 
This was on the XXXX of XXXX. I have requested my money back and the only reply I received is that in 2 days I would be contacted by someone from netspend. I want a full refund and holding my funds is illegal and a horrible business practice. 
I am filling this complaint along with many others. I have corresponded through phone and email. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). 

A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.