23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Date : XX/XX/2024 Re : Account Number [ Account Number from Credit Report Unavailable ] To Whom It May Concern : I am writing to formally dispute the collection account listed on my XXXX credit report as of XX/XX/2024. This collection, with a balance of {$410.00} and associated with XXXX XXXX XXXX, is inaccurate and should be removed immediately. 

I have no record of any outstanding debt with XXXX XXXX XXXX, nor have I received any prior communication from your agency regarding this alleged debt. The inclusion of this collection on my credit report is causing significant harm to my credit standing and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to provide accurate and verifiable information. I demand that you furnish me with complete documentation validating this debt, including the original contract, billing statements, and any communication history with XXXX XXXX XXXX 

If you fail to provide adequate validation within 30 days of receiving this letter, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies to have this collection removed from my credit report and to seek damages for the harm caused by your inaccurate reporting. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I took out a HELOC with PNC bank in XXXX of last year ( XXXX ) and promptly set up an automatic payment to be deducted from my external checking account. This loan has an XXXX Only period during the 'draw period ' and the automatic payment is set up to pay this interest payment. PNC initially failed to set up the automatic payment - despite XXXX attempts during which we followed their instructions to set it up - so we made manual payments and eventually in XXXX they confirmed that the auto pay is all set up. But then, they started sending me notices that my account is in default and past due, when I called they assured me the letters were sent in error and it is " all fixed now ''. They attributed the error ( which they said is affecting XXXX of their customers XXXX to a " software glitch '' in their new servicing system. despite this assurance in XXXX, they kept sending me such notices of being in default, ( despite me seeing them withdrawing my monthly payments on time from my checking account ) I spent hours on the phone with them, they kept assuring me all is good and fixed but not so! Most recently I received a XXXX from them saying that they are suspending my " credit privileges '' and I will no longer be able to draw on my line of credit. In fact, as of the time of this writing my account shows as suspended. My most recent communication with PNC was on XX/XX/XXXX with a supervisor who explained that the issue was that the payments, although timely, were erroneously being misapplied by their system and instead of covering interest the entire payment was being applied to principal thereby making it look like I was past due with my interest payment. This supervisor said it will be fixed very soon. I asked why did PNC not send any written communication to those XXXX affected customers, explaining the issue and assuring them this will not affect their credit reporting, etc ...? this supervisor said he does not know why. I asked if he can email me this assurance in writing and he said he is not sure what he is authorized to put in writing. 

At this point I do not know what to do other than turn to you. I am concerned about this eventually being XXXX reported to the credit agencies as a derogatory payment history ( I take my credit standing very seriously ) and although I don't have any immediate credit needs the point of obtaining this line of credit was to have credit available to me and now it is suspended because PNC still has not fixed their issue. I also can not keep spending hours on the phone with them trying to fix this - I don't have the time for this. I just want this fixed once and for all. I am a good customer who pays on time - PNC needs to get their act together and do their part!
Product: Credit card or prepaid card

This is regarding my store credit and with  Home Depo t. I had a home improvement done and paid off credit card at  one  point for about {$4000.00} plus, I later made a purchase for about {$80.00} but never got a statement and bill in the mail so I had it in mind that the card was paid off not remembering that the {$80.00} was incurred after I paid off my card.   The issue here is that  Home Deport  decided not to send a paper mail or email instead their electronic call system called and I missed the call because I was at work so, they charged me {$35.00}  three  times. When I eventually found out in  XXXX    XXXX  , I pleaded with them to drop the fees but they refused. However, I went ahead and paid off my balance including the fees. It broke my  heart  that they still went ahead and reported it as a delinquency on my credit report instead of trying to reach me first as a valuable customer that I am to them. I did a home improvement worth {$4000.00} plus and I paid it off without a reminded or any force. This has affected my  XXXX   XXXX  negatively, I worked so hard to build my credit and I NEVER have any issue paying my credit or debt every time and on time.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling of disputes, particularly in the light of 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 claim adequately. The. CFPBs findings indicate that zelle has not only neglected to protect customers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Checking or savings account

On XX/XX/XXXX, I logged into my SoFi phone app and noticed an unknown temporary authorization hold of {$1800.00} as a pending charge in my Checking account. I opened the transaction and saw that it is a temp auth from " XXXX XXXX XXXX XXXX XXXX '' from " XXXX  XXXX '', which does not seem like a legit terminal/XXXX. 

At XXXX XXXX  Eastern Time, on XX/XX/XXXX, I called this XXXX and spoke to XXXX XXXX at the Front Desk. XXXX XXXX is also the staff member I spoke to upon my Checkout of this hotel on XX/XX/XXXX, and we remembered each other. 
I explained to XXXX XXXX that I saw this temp charge on my account today XX/XX/XXXX, and that it apparently was initiated on XX/XX/XXXX at XXXX XXXX  local Central Time. I asked her what this charge was for, as it was not authorized by me. 
She asked me for my debit card number, which I read to her over the phone. She researched and could not find any transaction ( fraudulent or otherwise ) in " her system ''. The card was frozen by me on XX/XX/XXXX. 

At XXXX XXXX  Eastern Time, I called SoFi bank and initially spoke to a customer service rep who told me that i had to '' wait for the transaction to post before I could dispute it '', to which I replied that it will never post because the merchant has no record of this charge. She told me there was " nothing we can do. '' So I asked to speak to a supervisor. 
who told me that I have to wait indefinitely and " hope that the charge goes away in a month or so, so maybe around XX/XX/XXXX ''. 

XXXX did not protect my financial information, and now there my bank is holding {$1800.00} indefinitely. 

I have filed a report with the Federal Trade Commission, Fraud Division and with the XXXX XXXX XXXX Police Department
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan via XXXX my car was totaled in XXXX of XXXX I wasnt at fault so other parties insurance paid me my vehicle was a total loss. As of XX/XX/XXXX the payout amount was {$18000.00}. XXXX XXXX paid a settlement amount of {$13000.00} leaving a balance of {$5000.00} according to certified letter. Gap insurance paid {$2600.00} leaving a total of {$2300.00}. I received a warranty refund of {$2100.00} leaving a balance of {$210.00}. I received a maintenance refund of {$1900.00}. I should of received a refund of {$1700.00}. Not only did XXXX keep my refund they incorrectly reported my account to the 3 credit bureaus they also sold my account to NCB Management Services and they have a collections account for {$1900.00} which is the amount of my maintenance refund and NCB refuses to remove inaccurate account
Product: Debt collection

This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have  since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher.

Proof that the information has been verified as accurate.

In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report. 
Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
XXXX accounts : Account : XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX 
XXXX Accounts : Account : XXXXXXXX XXXX Date opened : XX/XX/year>. Account : XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Date opened : XX/XX/year>. 
Experian Accounts : Account : XXXXXXXX XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX, Date opened : XXXX XXXX 2021.XX/XX/XXXXAccount : XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date opened : XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is the result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 
I expect a written response acknowledging the receipt of this dispute letter and detailing the actions you will take to rectify this situation. Additionally, I request a copy of my updated credit report once the corrections have been made. 
I contacted the bank associated with this account, and they have confirmed that the account was fraudulent and has been removed from their records. Despite this, the account remains on my credit report with your bureau XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.
Product: Money transfer, virtual currency, or money service

I have not received money!!! They are not working with me!!! Keep saying a day or two!!! Froze my account for no reason!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victim of a customer service/fraud scam, which resulted in the loss of {$2000.00} + {$490.00} = a total of {$2500.00}. 

After filing a claim initially with Cash app ; they initially determined that my cash app account was compromised, and they were working to secure my acct ( confirmed XX/XX/XXXX ). Consequently, on XXXX XXXX after linking my new card ; Cash app proceed to process unauthorized payments of {$2000.00} from my XXXX account as soon as my new card was linked. Then, closed my cash app account stating that I had violated the terms and conditions, and insinuated that I was possibly conducting the fraudulent activity which is 100 % false.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Collection Account [ Account Number : XXXX ] I am writing to you regarding the above-referenced account with XXXX XXXX XXXX XXXX It has come to my attention that XXXX XXXX XXXX has obtained and furnished my consumer report without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ).

Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ).

Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out with two different credit agencies. XXXX XXXX Equifax. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} XXXXXXXX XXXX XXXXXXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

BANK XXXX XXXX XXXX ACCOUNT is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have fail to removed these hard inquiries on my XXXX  reporting before XX/XX/XXXX and its XXXX of XXXX and most of these items still showing up as a hard inquiry
Product: Credit card or prepaid card

Received a letter stating card was placed on hold until they. receive identity verification documents. from genesis fs card services
Product: Debt collection

Noticed I had two collections accounts on my report from the same entity, just different account numbers with the exact same amount owed which was {$500.00} for both accounts. I requested that these two accounts be validated along with the amount and they would not. Also, I have nvere received any notice of this medical debt which violates the No Surprises Act. This company is also aware that this year, legislation was enacted that prevented medical debt {$500.00} or less from being reported by the bureaus. They added additional fees to the true amount owed so that it would fall just out of the amount and report negatively on my credit. They still have not provided any itemized statement to justify the fees.
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I served as an XXXX XXXX  and received a XXXX XXXX XXXX upon completion. I submitted a payment request through XXXX on XX/XX/2024. Mohela has still not accepted the payment. In the meantime, interest continues to accrue. 

On XX/XX/2024, I called Mohela to check the status of my payment. At first, they said my account was " being transferred, '' so they can not apply any payments. This is categorically false because the transfer was completed on XX/XX/2024. 

Mohela then put me on additional holds to find the answer, but they came back with none. They have nobody who knows how to process this payment.
Product: Money transfer, virtual currency, or money service

Hello there! 

I got a problem with PayPal again. I sent money to my mom and they put my personal and business accounts under reviews because I sent money to my Mother. They asked me to give them some information which I did gave them but they havent take the restrictions on my personal and business accounts yet.