23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. THE CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft before and now the situation has occurred again. I have not opened any credit card accounts since the last time I had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims.

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit filXXXX 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: Prepaid card

I received a letter from Bank of America XXXX XXXX XXXX  that I had previously owned.Stating in the letter that I am owed {$180.00} in payment that is owed to me.I have been calling since XX/XX/XXXX XXXX I was told that it could take ten to 15 days to receive my check.Called again to why I still haven't received my check called on XX/XX/XXXX XXXX was told once again 10 to 15 days before I receive my check.I was told by the agent if I don't receive my check after the 15 days to call back.I have been calling Bank for America for 3 months. If I owed them any money Bank of America would taken the money out of my account from day one.
Product: Debt collection

To whom this may concern IC system is ruining my credit. I called to try and resolve the matter and repeatedly being hung up on. Theyre threatened to harm my credit .I ask to remove this from my credit report they refuse this is illegal against.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unproiected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate.

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Product: Credit card or prepaid card

I have been an American Express card holder since 1991. One of their cards I carry is the Platinum Card, with the five last digits XXXX. This card offers " Membership Rewards '' points. As I type this I see XXXX points available in my account. I tried to transfer XXXX XXXX of those points to XXXX, the airplane carrier, through the " transfer points '' option. The system did not allow me to transfer the points, even though that is less than 3 % of my balance. Instead, I get the following message which I will quote verbatim : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. 

I have over 30 years of relationship with American Express. To the best of my knowledge I have given them no reason to freeze or withhold my points through these decades. I ask your help to make my points free for use again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, in particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle I failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but have also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

I have tried to work with my mortgage company to help save my home. I have provided every proof possible that I am living here and hope to keep it. I have sent them several letters for proof that I am here.
Product: Mortgage

I have VA XXXX for my homestead in XXXX XXXX Florida. MY VA loan is being serviced through LOANCARE. I was declared 100 % P & T on XX/XX/XXXX. I applied for and was granted a 100 % property tax exemption indefinitely beginning for tax year XXXX by the XXXX XXXX, FL XXXX XXXX XXXX XXXX. I sent LOANCARE my P & T letter and a letter from the property appraiser 's showing I am exempt from paying property taxes for XXXX but for {$250.00} per year garbage fee. LOANCARE is refusing to accordingly reduce my escrow for XXXX and is still charging me a higher payment as if I will half to be responsible for my property taxes for XXXX. My property taxes at {$18000.00} a year so LOANCARE is unlawfully charging me an extra {$1500.00} a month! I told them I refuse to pay a higher escrow for property taxes that they know I do not and will not owe for XXXX. They said if I do not pay the extra {$1500.00} a month, they will foreclose on me and take my home. I can not afford to pay {$1500.00} a month for an entire year for no lawful reason. Please help me. This is wrong.
Product: Mortgage

On XXXX I received an escrow analysis causing my payment to increase for the fifth year in a row. I cancelled my insurance and obtained insurance on my own out of pocket. I contacted my navy federal credit union to cancel the escrow account, stating I have my own policy and the property tax will be handled by me as well. They have been extorting excessively high escrow fees for five years now! Im a XXXX veteran on SSDI. This escrow extortion has been out of control. Im nearly paying two months of principal, its outrageous. My principal is only {$530.00}, with escrow now, its {$900.00}. Thats insane, they make up some lies about the VA required them to have an escrow account. Since Im paying my own insurance out of pocket now, my escrow should at least reflect that, which doesnt.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear NORDSTM/TD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Mich

igan identity theft and credit reporting laws, including the Michigan Identity Theft Protection Act ( Public Act 452 of 2004 ).

It has come to my attention that NORDSTM/TD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Michigan state law offers additional protections against identity theft and unauthorized use of personal information, as outlined in the Michigan Identity Theft Protection Act. This law emphasizes the necessity of ensuring that no personal or financial information is used without the clear consent of the individual concerned, and further outlines penalties for those who fail to comply.

I assert with complete certainty that I have not provided consent for NORDSTM/TD to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and Michigan state laws.

I demand, with the utmost certainty, that NORDSTM/TD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws in Michigan.

This is not a discretionary request but a legal obligation under the specified sections of the FCRA and Michigan law. This demand for compliance ensures the protection of consumers like myself from unauthorized and damaging credit reporting practices.

I expect your immediate attention to this matter and anticipate that NORDSTM/TD will promptly rectify these egregious violations, fully respecting my rights under both federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

Received {$2200.00} credit line but when attempting to make a purchase of {$1000.00} it was consistently declined. Since I do not have internet access at my home I asked a friend to sign me up to XXXX XXXX. So if that an influence in their decision I thought I had made that situation clear to the Customer Servicer Rep. However Pay Pal Customer Service offer no explanation of rejection of payment other than it is not possible to make this purchase.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX i have filed a 605c please review the uploaded documents.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address discrepancies in my credit report, and as of the current date, I have not received any response from them. 
The following are the details of the inaccuracies and the requested corrections : Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 


Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Request : Verify and correct information, dispute the account, and request verification of Date Opened and Date of First Delinquency. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 comply 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX CO XXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX services balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Product: Credit card or prepaid card

On XX/XX/XXXX, I have received a notice to appear in XXXX XXXX. The plaintiff, Midland Credit Management Inc has accused me for a credit card debt of {$1400.00} and I don't know anything about that credit card. 
On XX/XX/XXXX, my wallet with all my personal information such as FL ID, Work Permit and Credit Card was lost on my way going home from work on XXXX XXXX XXXX. I have reported the incident to XXXX XXXX XXXX and a police report was issued to me. 
After the Courts hearing, I have emailed the Police Report to the plaintiff and I have been instructed to to report the case to Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX & TransUnion were all unable to provide me with my free online credit report.
Product: Debt collection

I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the count as 120 days late on XXXX, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX   the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX  XXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} 5. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX  XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX XXXX : {$390.00} 8. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.