23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Product: Credit reporting or other personal consumer reports

LVNV you were provided a FTC identity theft report from my previous CFPB complaint and despite this LVNV has remained negligent in removing all credit reporting from all consumer reporting agencies. This is now my second request to delete all credit reporting and honor my FTC identity theft report. I will keep filing complaints until the CFPB itself gets involved for your refusal to honor a federal FTC affidavit that you now have in your possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute for XXXX and experian. The credit bureas do not like for consumer to submit multiple disputes for some accounts. As a result, I need to dispute these items through your website.
Product: Money transfer, virtual currency, or money service

I a writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with that 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 loss funds was impossible when the tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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: Mortgage

XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc.
Product: Debt collection

Request to Validate Medical Debt XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX, XXXX and XXXX XX/XX/XXXX Amount of debt : {$140.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Account Number # XXXX Email : XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ), but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ) for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me as this account is not mine. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

formation release without mu authorization is from a minor. I hope to hear from you as soon as possible. 



XXXX XXXX
Product: Debt collection

Collection Professionals Inc. has been attempting to collect a debt on behalf of the XXXX XXXX Fire Protection District and the Lawfirm XXXX, XXXX XXXX XXXX. The debt in question totals in the amount of {$4100.00}. I have never done any type of business with either of these companies nor have I ever been notified from either of these companies that I was indebted to them. I did not even find out about the debts in question until I was contacted by Collection Professionals, Inc. I have received multiple letters and phone calls about this debt for several months prior to beginning the documentation of the correspondences. In previous attempts, I tried to explain to the agents that I was not the correct individual. I was informed that I would have to supply them with a partial Social Security number and/or my birth date to confirm my claim that I was not the correct individual. For obvious reasons, I was not willing to submit the information requested. I was informed that they would not be able to remove the claim against me unless I provided the requested information. 

On Tuesday, XX/XX/XXXX I received another correspondence from Collection Professionals, Inc. I attempted to contact them by phone at XXXX XXXX CT on Thursday, XX/XX/XXXX. I was directed to an individual named XXXX. I informed XXXX that I was recording the call and I was immediately disconnected. I called back right away and was directed to XXXX again. XXXX informed me that I do not have permission to record the conversation as Illinois law requires that he give consent. I told him that the call was being recorded and that if he is not willing to discuss the matter while being recorded, then I will consider the matter closed. He did say that he was willing to discuss the matter but reiterated that I did not have his permission to record the conversation. At that point, I informed him that I do consider the matter closed and I expect their company to stop all correspondences and attempts to collect this debt from myself, XXXX XXXX who resides at XXXX XXXX XXXX, XXXX Illinois. I then ended the call. 

I did not hear anything again about this debt for nearly a year and assumed that the matter had finally been resolved. On XX/XX/XXXX, I did receive a new letter from Collection Professionals, Inc. This letter is threatening legal action if I do not pay the balance in full. As of XX/XX/XXXX, I have not received any further information regarding the potential lawsuit. 

I did check with the credit bureaus verifying that I was not a victim of identity theft. There is no record in my credit report that I have ever incurred the debt mentioned.
Product: Credit card or prepaid card

Approx. XXXX on XX/XX/2018 I bought a concert ticket online using my citibank credit card. I was scammed and never got in to see the show using the phony ticket that i received.

At XXXX XXXX XXXX on XX/XX/2018, I immediatly called the Citibank card company and reported what I considered fraud or theft. Eitherway, i wanted to cancel the transaction before it went through. The representative assured me that, " It wont even show up on your billing statement ''.

On XX/XX/2018, I called to make sure the transaction did not post or go through. It had not and again, I was assured that i would not be charged the {$1100.00}.

However, it did show up on my next billing statement. Again, I called immediately, on XX/XX/2018.

The details of the illegal and fraudulent acts of these scammers are these : the scammer handed me a phony ticket with someone elses name on it ( XXXX XXXX ), Row 10, seat 106. I authorized payment for a " GA '' main floor ticket. I did not receive my ticket. I did not authorize a payment for {$1100.00} for XXXX XXXX Row 10, seat 106 phony ticket. Therefore, this charge is fraudulent.

On XX/XX/18 the representative stated that there was no dispute noted. HOWEVER, their records did reflect that I had called to cancel the transaction of {$1100.00}. WHY WAS IT NOT CANCELED?

Therefore, I needed to request or submit this all again! I was ( and still am ) uncertain as to which department, " disputes '' or " fraud '' to direct this to.

I assumed this was fraud. I explained the detailed event as well as offered several documents to submit for evidence of my claim. They declined the evidence and said, I would not be charged interest fees while this was under investigation, and that someone would be contacting me for questioning.

In XX/XX/2018 a fraud Rep from Citibank contacted me by phone. she determined without all the evidence that it was not fraud. She agreed the sellers actions were very illegal however could only recommend that i redirect my claims the the " dispute " department.

The fraud dept states that its a dispute and the dispute dept states that its fraud. Perhaps its both. The bank should have canceled the transaction when i notified them ( within 24 hours ) no body would be out any money.

( see exhibit A ; order summery : XXXX XXXX ; with my name and address on it, " GA '' seating amount {$1100.00} ( Exhibit B ; phony ticket that I received with someone elses name on it ( XXXX XXXX ). Neither document allowed me into the concert. It was a total scam from the seller.

In addition I drove over 1000 miles to stand in the rain and get the run around from this seller. I wanted to get the police that very minute and try to have him arrested. He and his partner are scammers even pretending to be handicapped. I also have cell phone numbers for the scammers and I took a photo of them. I would be willing to help police apprehend them if they need my evidence as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXXXXXX XXXX XXXX XXXX  DATE : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filling a compliant against cash App. ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and timely effective measures to prevents and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not apply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Equifax is posting a Collection to my account for {$88.00} dollars but they are not posting who is submitting this collection, they are not submitting the address or phone number. It is literally blank and they keep verifying this Ghost debt in which I dont know is reporting to my credit report to contact them to identify this ghost debt. Addittionally its a violation of the FCRA to report a collection with all of that information for the consumer to be able to not only contact the bureau but this mystery company
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. 
need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by Exeter Finance LLC. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to Exeter finance when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like Exeter finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : XXXX
Product: Credit card or prepaid card

I opened a secured credit card with a deposit and was approved. When the card came - the card was blocked from purchases. After many attempts to viewing my identity within a three month period I gave up and asked them to close my credit card since I had not been able to use it. 

They said they would return my deposit. 

Ive called numerous times and emailed and its been over 8 months and still have not gotten my deposit. 

I would also like them to remove the credit inquiries on my credit profile that they did with false intentions. There are three.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX through the XXXX and XXXX, my son added a card to my cash app account without permission. He proceeded to take money off of the card into my cash app account which was approved. He then removed that card. A few days later I had ro cancel that card due to the unauthorized transaction. The money that he had moved was previously was not affected as it had already been spent. On XX/XX/XXXX I get several notifications that my add cash had failed from XX/XX/XXXX and XXXX and XXXX. This resulted I'm a negative balance of - {$730.00} of which I do not have as the transactions from the listed dates went through. I reached out to their support which said, " The {$300.00} Add Cash transaction from XX/XX/23 at XXXX XXXX was disputed for the bank and the debit card ending in XXXX. This card was linked to your account on XX/XX/23 at XXXX XXXX. 

As a result, the Add Cash transaction was reversed and the funds were removed from your balance. For next steps or more information, please reach out to your bank. '' The issue is that the money had already been spent by that time and was no longer in my cashapp balance. My bank does not have any further instruction for me. I also can not repay money that I borrowed from cash app as a result of this.
Product: Debt collection

I never received written notification concerning this debt, which is in direct violation with the Fair credit reporting Act. I was never given the 30 days to dispute the validity of this debt and I would like the creditor to provide strict proof that written notification was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.
Product: Debt collection

Ive received several letters from this collection office and we guards to collection of a gym membership. I have disputed the amount of this collection and they refuse to send me documentation proving the amount owed that they claim.