23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hi, PayPal/CFPB I hope this message finds you well, I'm contacting you in regards of my PayPal account XXXX, its been 180 days since my PayPal has been limited and I got a mail on XX/XX/2024 stating that my funds are now eligible for withdrawal but upon trying to withdraw my withdrawal gets denied which is as a result of my card issuer performing some maintenance, so upon that i waited until the maintenance was done and then placed a withdrawal but this time i was met with an error saying " something is not right please try again later '' I waited XXXX hours, still the same thing. I kindly ask that you look into this.
Product: Credit card

Today I called in to simply close my citi credit card account ( which has been paid off and now with XXXX balance since weeks ago ), but instead I had to spend XXXX mins on the phone with XXXX agents. The XXXX agent asked me a set of questions, and then she insisted to transfer me to the other agent. The XXXX agent ( Name : XXXX, agent id : XXXX ) asked me the same set of questions again plus a few more questions, but he refused to listen to my request ( ie. close my account ), and he stated citi ca n't close my account unless I cooperate with him to answer all the questions he asked and in the exact format he needed including some personal questions about my business. When I said I was not comfortable sharing that info and hoped he could record my answer to that question as " N/A '' and then move on to help close my account, he refused to proceed with my request and accused me for not understanding his job. He said " You ca n't see the screen in front of me, so do n't assume I can just put a N/A for this question. You must answer " yes '' or " no '' otherwise I ca n't close your account ''. I ended up begging him to close my account, but still have no clue if my account is closed or not. 
Also I shared with him I only have XXXX mins for this phone call before my business meeting at XXXX EST, and appreciate if he could help close my account in XXXX mins. Obviously the call lasted way more than XXXX mins, and for the most part of this phone call was just him repeatedly saying non-sense things, such as how much I do n't understand his job and the reasons why he needed to explain to me again and again about the AA points which I already clearly shared with him there was no concern from my side. 
Also citi changed my credit card card number without notifying me or any sort of communication. So I still do n't know the current card number on citi 's side. What I have are the XXXX cards I received from citi ( XXXX before the fraud and XXXX after the fraud ), and they are XXXX and XXXX hope these are helpful to link my case to my account. 
Finally I hope citi recorded this phone call, and people will know how ridiculous this XXXX guy was. This phone call was almost funny, if you consider how much he refused to listen to the customer and how much he was soaked in his world about the exact format of answers he required. Citi should share this phone call publicly, and it will be a great XXXX hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but XXXX  and Trans Union have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX ; XXXX. On XX/XX/XXXX telling me that my account was past due 39 days for the payment due XXXX XX/XX/XXXX. I told XXXX that I received an email on XX/XX/XXXX that the payment was past due and I went online and made a payment of the minimum amount due which was {$24.00} on XX/XX/XXXX. XXXX confirmed that the payment was not made 30 days past the due date and told me she was unable to remove and I would need to request removal via email at XXXX. I emailed them on XX/XX/XXXX. The company said the 30 days late reporting was correct and refused to provide information on how/why it would reflect 30 days late when the account never went past due 30 days.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against BRANCH B & T BRANCH B & t has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BRANCH B & T to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) BRANCH B & T duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Debt collection

So every few months I get some new collection agency putting a collection on my credit report. None of which have ever been mine. Ive tried contacting the companies and none of them have ever answered. Im only XXXX years old so none of these accounts can be mine. I have also never gotten any phone calls or emails concerning any debt owed in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX. I am under the victim of XXXX XXXX XXXX XXXX. I am requesting that the company immediately assist me because I just got robbed at gunpoint and must move immediately from my current location. XXXX XXXX is fraudulent and I need for the company to remove the account from my credit file within 4 business days from today 's date XX/XX/year>.
Product: Checking or savings account

On Saturday evening, XXXX XXXX I attempted to withdrawal {$400.00} from a Wells Fargo ATM using my Wells Fargo debit card. My account was debited for the money but the money was not disbursed from the ATM. I immediately contacted Wells Fargo and put my issue on record and I was provided with a claim number. I have still not received my money. When I called Wells Fargo on Friday to question where my {$400.00} was because I have bills to pay, I was told in no uncertain words that it's not their problem. I can not be told and will not believe that it takes this long for them to count the money in that ATM and reconcile it to know there's {$400.00} too much in that machine.
Product: Debt collection

I am in debt with a clothing store, I have answered the phone calls and I have kept my same phone number the entire time. Out of no where I got a call from my grandmother who was livid about the debt. She left a voicemail which I do have as proof, I will have to find it to have the exact time and date of everything. But it is proof due to the fact that the debt collector told my grandmother of the SPECIFIC AMOUNT I OWED AND IF SHE COULD PAY IT. 

This is extremely illegal. I asked the company aka Portfolio about the situation and they couldnt have been bothered to help. They only filed a complaint. With not taking any responsibility behind it. This was extremely personal and embarrassing. I am planning on suing.
Product: Credit card or prepaid card

On XX/XX/XXXX on around XXXX I have called customer service billing dispute to dispute a charge. The charge was for the item purchased on XXXX from the XXXX vendor and the amount was {$24.00}. After the long wait I was finally speaking with the representative who without warning put me on a very long hold and then subsequently the call was disconnected. 
I called again and was informed that the dispute was not finalized. When I brought an issue of professionalism and respect by which cardmembers should be treated ( I am a cardmember in good standing since XXXX ) I was told that I will be transferred to the supervisor. The person who I was transferred offered variety of excuses and still didn't process the dispute as requested. Also I found out that the person being transferred to is not a supervisor. The third person on the call, and the fourth in the chain finally identified himself as XXXX and apologized for the issue however the dispute was not finalized. 

Questions to the Discover Card : 1 ) Why its employees feel they can disrespect consumers such as this and why the dispute billing system is not capable to be handled in an efficient and timely manner? 
2 ) Does Discover does this on purpose to have the people being discouraged to filing the chargebacks for items they ordered and never received? 
3 ) If the call met or did not meet the Discover Card 's professional service standards can you please let me know what are? 
4 ) What is the simple billing dispute charge have to be handled by two separate calls involving 4 people? 

Very much looking forward to the response. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights critical shortcomings within the platform. Despite being a regular user of Zelle and diligently reporting discrepancies, my claims were not thoroughly investigated by either Zelle or my financial institution. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The findings from the CFPB suggest that Zelle has failed to implement sufficient consumer protections, allowing repeat offenders to exploit the platform and leaving users vulnerable to fraudulent activity. This lack of accountability and transparency is deeply troubling and raises serious questions about the platforms commitment to consumer safety. I urge Zelle to take immediate action to address these issues and implement stronger safeguards to protect its users. Thank you for your attention to this matter.
Product: Debt collection

Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as 30 days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX  internal systems, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, we received a " Notice of Sheriff Sale '' from : Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. He is fully aware of the procedural posture of the case involving this property which is currently on appeal to the United States Court of Appeals for the XXXXXXXX Circuit, XXXX XXXX XXXX, et al., v. XXXX XXXX XXXX, No. XXXX. He is also aware of U.S. District Court, XXXX District of Indiana, Chief Judge XXXX 's statement on the record with regard to staying any effort to hold a Sheriff sale pending the litigation of this case, briefing has begun. XXXX XXXX 's racial bias is a subject of this appeal. An appeal we note neither he or his firm have entered an appearance, or filed any motion seeking to hold a sheriff sale pending the outcome of the appeal. This litigation involves a claim that XXXX XXXX XXXX violated the Equal Credit Opportunity Act after we sought to assume the mortgage on this property, which after Attorney XXXX discovered we are XXXX, hindered our efforts to obtain the assumption. This latest effort by Attorney XXXX also violates the Fair Debt Collection Practices Act by threatening a Sheriff sale forcing us to pay a debt we do not owe ( and which we have been trying to assume ) before litigation, on appeal is concluded. He and his client XXXX XXXX XXXX, are attempting to deny our access to the court to litigate this matter by threatening a Sheriff sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. 

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My initial Mortgage was with XXXX and was late passed over to Nationstar mortgage. Without my input or any sort of options. Since my Mortgage has been in the hands of Nationstar Mortgage, I have made several inquiries to the company. ( 1 ) I requested a review of my account, because I felt that all over payments that I had made, over the years. Was not being applied to Principle as intended and requested. They took several months to respond. Only because I persisted, in my request. I did not get a satisfactory response. ( 2 ) Nationstar discontinued sending me monthly statements, even after I notified them, that I had not elected paperless statements. Today, I have not received a monthly statement in over 6 months. I would like an investigation into this account. Possible transfer to another company.
Product: Mortgage

Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
XXXX
Product: Debt collection

In 2018, I signed up for a Khol 's credit card in order to qualify for some in-store details they often offer. Prior to the pandemic hitting full force, I went in person to a Khol 's in XXXX XXXX XXXXXXXX XXXX  and paid the remaining balance on my account which was {$140.00}. I did not use my card again after zeroing out my balance, a little over a year later I started receiving notices from a collection agency saying I owed over {$400.00} in principal balance along with accrued interest over a 12 month period. 

Over the next 3 YEARS I contacted Khol 's and the agency they use to collect debts over a dozen times, I always spoke to someone different and I was usually placed on hold for over an hour or hung up on all together. I finally submitted information to their fraud department in XXXXXXXX XXXXI which investigated the issue and determined that my payment was made and the case was resolved. 2 weeks or so later, I received another letter saying I still owed money. In a last ditch effort to be done with the issue after years of being harassed, I called and spoke to a representative who said " actually you only owe {$27.00} ( which is what they were trying to get me to pay monthly ), I agreed to pay the {$27.00} if they closed the case and stopped contacting me, sure enough I received another letter a month later asking for more money. This seems illegal that they are able to potentially affect my credit for a bill I already paid. I hope someone can help me get this situation resolved because it is starting to take an effect on me personally.
Product: Student loan

Attempts made to contact Performant Recovery  to get a record of the payments they garnished from my wages are being applied to the student loan. I need a monthly record the payments are being applied along with the balance.
Product: Debt collection

Pulled a Credit report as a precursor to buying a home onXX/XX/2020, and found this company was reporting a medical debt on my credit report. for an amount of XXXX As I have not had any communication with this debt collector ( including but not limited to calls, Official letter etc ) I contacted them via Telephone on XX/XX/20 using the number on the credit report, only to be met with abusive Language and a demand for payment, I verbally requested them to send me proof of this alleged debt and was again verbally abused with a refusal saying they had no obligation to provide that and that I had no idea what I was talking about when stating the fair debt collection and fair credit reporting acts, and that I should just shut up and pay as its only x amount. 

At this point I hung up the phone and typed up a debt validation letter and sent it via tracked USPS with signature verification. ( tracking number : XXXX ) They have since received the letter on XX/XX/2020 and have yet to Send any communication back. They have however been calling my phone so much that I have had to block their number, I was receiving an upwards of 15 calls a day Starting at XXXX and going beyond XXXX and on sundays! 

as a debt collector myself I do know how highly illegal this is