23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

My student refund check of {$2100.00} got direct deposited into my Paypal account in XXXX of this year. I paid {$500.00} for a deposit on an apartment. 4 days after the deposit, I got an email from Paypal saying that my account was permanently limited because they " think Imight be a potential risk '' to their company and they would release my money in 180 days. Needless to say, I lost the {$500.00} I paid for a deposit on an apartment. Ive done absolutely nothing illegal or fraudulent at all on Paypal or anywhere else. Someones thought of the day left me homeless. Theres got to be someone that can help.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a student loan with XXXX XXXX, XXXX. I was 19 days late with one of my payments. I received a call from Loan Science LLC as a debt collector asking me to pay my loan on XX/XX/2020. When I received the call I scheduled a payment directly to XXXX XXXX  XXXX to set my account current. The representative at loan science called XXXX  and verified my payment was scheduled. After that call, I've received 3 other calls to me and my co-signer requesting payment even though payment has already been made. Every time we tell them to please verify before they call and they continue to harass us. They're even spoofing other people 's phone numbers to get in contact with me. They've called me with XXXX ( pulls up as XXXX XXXX XXXX and XXXX, but if you look on their website the number they have posted is XXXX.
Product: Debt collection

Keeps adding a bill to my account after it was XXXX years old and I informed them that I was cutting my service off after next cycle because I changed services per their rule and after that month cycle they continue to charge me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Student loan

Communication unsuccessful. Company has hours of wait time on hold and then being disconnected after waiting hours. Unable to log in to accounts, can never speak to anyone at mohela, all the while receiving letter threatening to report to credit without any way to resolve the issue due to communication.
Product: Credit card or prepaid card

Hello there I am XXXX XXXX. On XXXX XXXX 2020 someone withdrew {$740.00} from my EDD account with Bank of America and now they dont want to return this money I have try for many different ways but they just dont want to give me my money back. 
That happened on XXXX XXXX Ca they told me that it happened about XXXX XXXX  I really need your help with this matter.
Product: Checking or savings account

I want Associated Bank to close my checking account immediately, and send me a letter with payment plan options to pay the {$1900.00} back I owe Associated Bank for my overdrawn checking account.
Product: Debt collection

BAS Management contacted me by mail on XX/XX/23 attempting to collect a debt identified as account XXXX. 

I don't not have any responsibilities for this debt. 

if you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.
Product: Money transfer, virtual currency, or money service

I am writing to formally express 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 CFBSs 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 consumers safety.
Product: Debt collection

I am writing to dispute the presence of a collections account on my credit report. This is the second occurrence of such an error, and I seek your prompt assistance in rectifying this matter. The account in question pertains to LAW OFFICES MBA, and it was initially marked as delinquent due to a billing discrepancy. However, I would like to emphasize that the outstanding amount associated with this account was settled in full on XX/XX/2022 by the original creditor, XXXX XXXX XXXX XXXX XXXX. It was a self-pay visit in which I was given a discount by the hospital so the amount was no longer {$690.00} but {$380.00}. Subsequently, the collections status was resolved, and the account should have been updated accordingly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to receive a money transfer from another Walmart. My Mom was sending me {$50.00}. The cashier was very disrespectful and unprofessional in assisting me. She yelled at me, for no reason. She refused to provide documentation in writing, as I requested, of the reason for her refusal to process my transaction. I provided three valid forms of government identification. Im in the process of a name change, and I even provided in addition, court documents pertaining to the name change. The cashier was rude and offered no recourse for the money transfer services she was conducting. One Manager, XXXX was worse in attempting to assist with a second transaction. She expressed that Walmart should have never assisted me with the first transaction. In hindsight, thats not a comment that benefits customers. Instead, offered confusion and further frustration.
Product: Bank account or service

This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as Wakefield & Associates I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle Wakefield and Associates for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay XXXX in full but I need for this item to be removed from my credit and I need a letter prior to paying.
Product: Vehicle loan or lease

My vehicle was refinanced and the original loan paid in full. My original loan was with Hyundai Finance. I called and cancelled my XXXX  and my GAP coverage. I was stated that I would receive a check for {$2400.00} for the XXXX cancellation and {$720.00} for the GAP cancellation. I have received the check for the XXXX refund. I am having lots of problems with getting an answer to why my other refund has not been issued to me. Finance manager at Hyundai of XXXX, TX will not return my calls and I have left over 10 messages. I went once in person to have him assure me that he would see what the issue was and let me know. He himself stated that the refunds take about 30 days. Well its been over 60 and still no check has arrived. The cancellations dept for Hyundai Protection at the phone number XXXX has even sent an escalation letter to the finance department in XXXX and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXXXXXXXXXX  XXXX Balance XXXX {XXXX} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I called today XXXX/XXXX/2015 to American Honda Financial Services to discuss the account and resolve a situation that we are encountering with the monthly payments due to my medical situation I got behind. My daughters have been helping me with the medical issues and now helping me financially since I am XXXX. Today my oldest daughter called American Honda Financial and they wanted to speak to me so I can authorize my child to speak to them. My daughter called we was on a XXXX way called and I gave more than XXXX times autorization to American Honda Financial to speak to my daughter on my behalf. The lady that was on the other phone refused to accept my authorization to the point she was attacking me and pushing me to speak to her about my account She wanted to get my daughter of the phone and called me direct which I do n't know the number I have my daughters and I dont know it by memory. My daughter called the main number once again to report the situation to the coorporate office and they refused to transfer her with me on the line. I felt threatened and discriminated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform.Despite using zelle numerous of 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.