23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : CBE Account # XXXX XXXX Account # : XXXX Account Owner : XXXX XXXX To Whom it May Concern : The collection of this debt is related to the return of a mobile device to XXXX XXXX ( " XXXX '' ). I obtained a new mobile device pursuant to the terms of warranty agreement related to XXXX Account No. XXXX and was instructed to return the defective phone to XXXX. This account has now been closed, but I am still a XXXX customer under another account number. 

After confirming the address for the return with XXXX, the phone was returned to the XXXX XXXX XXXX XXXX in XXXX XXXX, Texas via XXXX XXXX, Tracking No. XXXX XXXX XXXX, and was delivered on XXXX XXXX, XXXX at XXXX XXXX. The XXXX XXXX label and tracking information can be provided. 

Wanting to allow for time for the return to be processed, on XXXX XXXX, XXXX, XXXX was contacted directly to confirm that the phone had been returned and that the account balance reflected that {$0.00} was due. I was informed that since his account was in collections, I had to communicate with the collection agency handling the account. After contacting XXXX XXXX XXXX ( Acct. # XXXX ), I was advised the account had been transferred to another agency, XXXX XXXX ( Acct. # XXXX ). A representative from XXXX XXXX advised me they had no record of the phone being returned and that it may take additional time for the XXXX records to reflect that the phone was returned. 

No additional correspondence from any collection agency has been received since a statement dated XXXX XXXX, XXXX from XXXX XXXX. Thereafter, I began receiving telephone calls from unknown numbers, but was not left any voice messages. I discovered one of those calls was from CBE Group after I called the number back with my fiancee on XXXX XXXX, XXXX. The above scenario was explained via phone and I was instructed to send a written letter disputing the debt. That letter was sent via regular mail on XXXX XXXX, XXXX and no response has been received. I verified via an online account today that this debt is still with CBE Group and an outstanding balance is still owed. 

The debt is being disputed since the phone was returned. Ultimately, CBE Group is attempting to collect a debt that does not exist due to the circumstances explained above. The phone was returned to the address as was instructed by XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted the person selling tickets to the XXXX XXXX on XXXX. I sent an email and they stated they had digital tickets that they could transfer to me upon payment through Zelle. I requested payment through XXXX but they stated that they did not except it. Zelle was already integrated into my XXXXXXXX banking app and I initiate a transfer of {$680.00} to the seller. The seller and stated they would transfer the tickets to me after which time they did not complete the transfer and stopped communication. The persons email address associated with your account is : XXXX and the holder was XXXX XXXX. Zelle is not helpful in resolving these matters and I was directed to this resource as a source of support.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I traded in my RV that was financed through BMO, the dealer received the payoff and submitted the check, I also had direct payment of my loan through my bank, after the loan was paid off BMO took my scheduled payment which now was an overpayment, I called them and they said it would take 7 days to return it. After 7 days and not receiving it I called again, this time I was told to allow 14 days to receive it, after not receiving it in in 14 days I called again and was told I would now have to wait 30 days. I feel they are intentionally delaying my payment.
Product: Debt collection

I have contacted TICE and associates several times requesting proof of this claim, including dates and services received to make sure this is even my debt. In addition, I had insurance at the time if this is my debt with XXXX and this should have covered if my debt. I have talked to a gentleman claiming to be owner at TICE, and explained this and they refused to submit to insurance. Since, I have disputed this debt several times since they have failed to provide a detailed summary of charges - dates - dr etc. I believe my rights under the FCRA are being violated. Plus I never received a validation notice on this.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and an account as a result of identity theft. I have unauthorized inquiries from XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, and also XXXX XXXX XXXX on XX/XX/XXXX On My TransUnion Consumer report that I would like removed. I also have an account from XXXX XXXXXXXX XXXX  that should not be on my consumer report also. I have disputed these issues with XXXX TransUnion and XXXX and they did not remove this account and I would like it removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report. 

These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.
Product: Vehicle loan or lease

CCM Finance repo my car and I did not owe them a payment. My payment was just due on Sat and they took my car two business days later. 
I called them to resolve the issue and they told me that I would need to pay the full amount of the car XXXX XXXX However, they sent me an email stated that I would need to sign a form for Voluntary Repo. 
I was willing to make a payment, my payment was only two days pass due. XXXX from the XXXX department would not give his last name and was very rude. 
I went to the recovery and was not given my belonging. I called CCM Finance back to inform them of my experience and I was hung up on.
Product: Credit reporting or other personal consumer reports

I have submitted several written touches to Equifax, Experian and Transition however I have nor received verification letters for the accounts nor are the accounts that are paid in full are not marked as closed or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Advance Collection Bureau XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2018 Advance Collection Bureau added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2100.00}. After further review I realized that the DOLA date on the account was inaccurate across all credit bureaus, which should not occur. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.
Product: Debt collection

The consumer finance bureau has picked up a debt that was originally held by XXXX XXXX who determined that this and another debt were paid by my insurance and the debt collections were unfounded. I was not a patient of XXXX by 2016.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX
Product: Credit card

I made a minimum payment to a credit card as well as a {$3000.00} payment to pay off a promotional balance of XXXX that was expiring on XXXX. The credit card company informed me the prior month that I had a promotion expiring and that I needed to pay it off in full to avoid interest charges. When I attempted to do that it was not applied to the balance expiring and when I called to ask them to change it they said that I had agreed to this in the terms when I accepted the promotional rate. The {$3000.00} payment was applied to a promotional balance expiring on XXXX. In addition none of my payment was applied to a purchase balance of XXXX that is accruing a minimum interest charge of {$2.00} every month.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handing 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 were 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 scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

After reviewing my credit report, I noticed LVNV Funding LLC c/o Resurgent Capital Services, a company that I had never heard of or had any written, oral, or implied contract, reporting that I owed an alleged debt of {$2400.00}. I contacted the company to validate this alleged debt via a letter. The company received the letter on XX/XX/2020 but never responded back to me.
Product: Debt collection

A delinquent account from Consumer Adjustment Co in the amount of {$570.00} appeared on my XXXX credit report on XX/XX/2020. I had received absolutely no correspondence regarding this debt from the company and have sent them a letter stating such. 

I had absolutely no knowledge of this debt and had received absolutely no correspondence until it appeared on my credit report. 

I have sent letters to the company but they have been unanswered. 

The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
Product: Debt collection

On XX/XX/2022 I received a dunning notice from Receivables Performance Manage, LLC for an outstanding balance of {$78.00} that XXXX believes I owe them, plus {$19.00} in unspecified charges. 

I do not owe this bill due to the terms of my contract with XXXX, as highlighted in the copy of the complaint that I attach ( XXXX ). 

Due to the threats by XXXX XXXX to ruin my good credit, I sent them a check for {$78.00}, the receipt of which is documented in the complaint I have with them. They have not cashed my check and it is my hope that if they do, I will be refunded {$78.00} after they review my complaint. According to your website, they have not yet reviewed the complaint. 

Now, Receivables Performance Management LLC is dunning me for the same amount plus unspecified extra charges of {$19.00} I have been unable to reach Receivables Performance Management by telephone during their specified " Open Hours '', and they have not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.
Product: Vehicle loan or lease

yes I had purchase a vehicle through heights financial services and after I purchase the vehicle I was making payments fell out of out of work got laid off due to covid fell behind in payments they close the account out because I fell so far behind but yet every month they're still adding money out on a closed out account how can that be you're not if you close out account it's closed out it's not supposed to change I mean but every month they're adding XXXX XXXX XXXX dollars to the account but yet it's a charge off and it's closed out if it's a charge off enclosed out it's not supposed to increase in price and it was no revolving loan to start with it had to fix interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Credit reporting or other personal consumer reports

I once again express gratitude for your ongoing efforts to address certain fraudulent entries in my file stemming from alleged identity theft. However, there remain items that necessitate removal. This constitutes my XXXX  complaint and serves as a follow-up to my prior grievance dated XX/XX/XXXX. As a victim of identity theft, I am submitting a dispute for the residual fraudulent items in my file. Reiteratively, the items under dispute bear no association with any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Kindly expunge the reporting of these items from my credit file, as they are unfamiliar to me. Furthermore, the data pertaining to these items has been expunged from other bureaus, raising doubts about their accuracy and reported payment history in my file. For your reference, I have attached my FTC Report # XXXX. Outlined below are the outstanding items that require removal from each bureau : -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX XXXX XXXX sent {$420.00} to PayPal on my behalf.paypal sent an email to me at XXXX advising I had {$420.00} in my PayPal account and asking do you accept this money.i clicked the big green emblem accepting the funds.then PayPal asked what I wanted to do with the funds.two choices I selected deposit in my bank account XXXX  XXXX XXXXagain 2 choices instant deposit for a fee or delayed deposit no fee.i selected instant deposit.a fee of a little over {$7.00} appeared asking did I accept this fee.i indicated yes.balance of {$420.00} supposedly was deposited.upon checking with my bank no such deposit occured I was advised to contact PayPal.after several unsuccessful attempts to get the funds I instructed PayPal to refund the {$420.00} back to XXXX XXXX XXXX a small business I did business with so I could have XXXX  send my funds to a reliable source my bank recommended XXXX and further to close my PayPal account.paypal agreed.the owner of XXXX sent me a screenshot of PayPal sending the refund then stopping.i contacted PayPal again `` your refund was deposited in your bank account '' Wrong.wasnt.paypal still has my funds.the last supervisor I spoke to and recorded said I was lying about initially requesting the money be deposited in my bank and being charged a fee.she was rude and gave me the impression that my refund would be sent back to XXXX next week whether I liked it or not.im contacting corporate Monday but don't expect much better treatment.oh they recorded all these conversations and so did i.i feel at XXXX on a fixed income both XXXX abuse and cival rights abuse apply herem
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years