23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I agreed to settle my account with XXXX Credit card for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my debt
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling and disputes. 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 had failed to investigate my claims inedaquely informing me that recovery of lost funds was impossible and that tracking these transactions was infeasible The CFPBs finding indicate that Zelle had not only neglected to protect consumers but also allowed repeated offenders to exploit the system the lack of accountability and transperacy is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified dispute letter to Equifax Information Services LLC on XXXX to investigate this incorrect/negative item and I haven't got a responds in the proper time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX Account XXXX XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Checking or savings account

XXXX XX/XX/2022. Check amount XXXX. XXXX XXXXXXXX XXXX Certegy declined check. Why? 
Called my bank and they are not happy with you. 
Went to XXXX and did not have an issue. So won't be using your customer, XXXX  again. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Product: Debt collection

HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX DATE OPENED XX/XX/year> is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ).

I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate and/or incomplete information on my credit report on XX/XX/2020 with the consumer reporting company. The investigation took more than 30 days. I sent another letter on XXXX XXXX that reached them after XXXX XXXX, telling Experian to comply with the law. Still no results after 30 days. Experian is in violation of the law and all disputed information needs to be removed from my file. 
Experian 's response was, " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' HOW? How can they determine what is sent by anyone and then choose not to act even though I have multiple letters sent to them certified mail, and the CFPB was given all identifying information in order for them to locate my report. Also the credit report number was in the body of each letter. I sent my complaint through the CFPB website and created an account. The complaint was absolutely sent by me and authorized by me. The proper action needs to be taken. Experian can't just not act on disputed information with supporting documentation. This is ridiculous.
Product: Credit card

The payment listed below was made in the form of an Official Check drawn off a credit union that I belong to. After a very small interest adjustment, this left a {$35.00} XXXX XXXX on this particular credit card. I called the credit card company at XXXXXXXX XXXX on XX/XX/XXXX to request that this XXXX XXXX be refunded to me. I asked for these funds to be credited to my checking account at the SAME bank that owns this credit card. The clueless call center agent said the credit would be sent bank to my credit union. That's absurd and I hung up on him. 

Transaction Details + {$3300.00} PAYMENT RECEIVED -- THANKYOU Transaction Date XX/XX/XXXX Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Card Used XXXX Transaction Type XXXX
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX XXXX XX/XX/year> DEFENDANT : TRUE ACCORD # XXXX BOND SUITCASE GO AFTER TRUE ACCORD BONDS TO SUE XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX??? 
ALLEGED DEBT AMOUNT OR BALANCE XXXX??????? 
TO CONSUMER REPORTING CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : TRUE ACCORD CORPORATION -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE XXXX XXXX XXXX XXXX XXXX, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT .XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON
Product: Checking or savings account

I opened a new checking account with US Bank. Prior to XX/XX/XXXX. I used promotional Code : XXXX. I had to direct deposit {$6000.00} within 60 days of opening the account. I have yet to receive my {$500.00}. I fulfilled all the requirements on XXXX XXXX, XXXX. I have called multiple times. Claims to the " investigation '' team have been submitted each time. I asked to speak directly to the team and was told " NO one can talk to the team, only request for information forms can be submitted through their backend system. '' So three claims were submitted. 

XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case Number : refused to give to me Called again on XX/XX/XXXX. Customer service transferred me to Promotional team, since she said she couldn't help me. Promotional team told me they can't help me and transferred me back to customer service team. I asked to speak to manager. He did not get on the line. Told me they can only open another case and Manager is claiming that he will call me within 2-3 business days. His name is XXXX XXXX would not give me last name ). XXXX call center. 
told they can't give me a case number but manager would in a few days.

I asked again to talk to manager. 

XXXX got on the phone and claimed the special group contacted me, but they did not. 
Also claimed that the fine print said that it would take up to 90 days for funds to be deposited after the promotional terms have been met. I challenged his information and told him to look at the fine print. He put me on hold. Looked at the fine print. Came back and told me that it was only 60 days. I told him that it has been more than 60 days and I wanted my money. 

XXXX then stated the back office will call me in 2-3 days, not him. Different story again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to formally dispute the account referenced above as it appears on my credit report. The information being reported regarding this account is inaccurate and unauthorized. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that this account be thoroughly investigated and removed from my credit report immediately.

The account information is erroneous and potentially fraudulent. I have no knowledge of any authorization or legitimate basis for this account to be reported under my credit file. Additionally, I would like to highlight that XXXX has previously been involved in significant settlements regarding the misreporting of credit information and data breaches. Specifically, the {$570.00} million settlement due to a data breach and incorrect reporting underscores the importance of accurate and responsible handling of consumer data.

Under the FCRA, I have the right to request verification and validation of any disputed account. I ask that you provide the following : Documentation verifying the legitimacy of this account. 
Any proof that this account was authorized by me. 
If you can not validate this account as accurate and legitimate, I respectfully request its immediate removal from my credit report and written confirmation of the same. 

Please consider this letter as my formal dispute and respond within the 48-hour timeframe as stipulated under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution of this dispute.
Product: Mortgage

On XX/XX/XXXX, the respondent sent me a letter inviting me to apply for loan modification. Unknowing to me at the time of the invitation, they had done an appraisal on my house it has appraised at close to XXXX XXXX of the balance of my loan. The house appraised for only {$450000.00} whereas the balance of my loan was {$860000.00}. The respondent knowing fully that XX/XX/XXXX was the last year for the XXXX program that allows homeowners whose properties are underwater to refinance and their new principal would be based on the appraised value of the property. The respondent advised me while they were walking me through online application that there is a note on my file that I should be approved for XXXX program. However, after submitting my application and prior to the deadline they gave me to submit the documents they requested they sent me a letter of approval and gave me a deadline to make my first payment. Their approval letter never indicated the terms of the loan modification. No interest rate or principal was disclosed. It was after they had received my first payment that they now disclosed to me the appraisal they had done on XX/XX/XXXX. Also it was then that they disclosed to me that my loan modification is not XXXX but a trial modification. They had baited me with an XXXX  program and switched to a trial loan modification in order to locked me into the higher principal balance and prevent me from going to another lender and refinance or do a loan modification under XXXX that would considerable lower my principal balance and my interest rate and consequently lower my monthly payment. This would be the second time that Select Portfolio Servicing, Inc would deliberately prevented me from participating in a federal program that would have allowed me to lower my principal balance to conform with the appraised value of my property as mandated by the government. In XX/XX/XXXX after XXXX had informed me that they had approved me for the HARP program, they colluded with XXXX and the investor for my loan to acquire the servicing of my loan. Again in XXXX of XXXX after realizing that the value of my property has depreciated further and knowing fully that the HAFA program that would allow the principal balance on my loan to be adjusted to the market value would be ending, they baited me with a promise of an HAFA program and switched it to trial loan modification after the program has ended. Thereby denying me the opportunity to participate in a federal relief program that I was eligible to participate.
Product: Other financial service

My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Student loan

I attended XXXX University from XXXX and was wondering why my federal, private loans and parent plus loans werent forgiven? Considering all the false advertising the school admitted to making. Also considering the school settlement with the FTC to pay students back and forgive their loans for students who attended that school from XXXX. I did receive a small {$300.00} from the FTC settlement with XXXX but that is nothing to the $ XXXX in student loans I have attending that school. I currently cant even make enough to pay the loans back, even under the IDR plan my payment is {$0.00} for my federal loans. But yet how can I go on living knowing that my student loans are still growing in interest. I currently have a Borrowers Defense application getting processed but it isnt 100 % they will forgive my federal loans. But what about my private loans and parent plus loans? Would I still have to pay all of that considering the school false promises to me? I hardly make enough to support my XXXX kids and each month my loan payments for the private loans are about $ 200+ Currently. Struggling at months to even provide enough food and clothing for my kids! Please help me with the options that I have to deal with my private loans. I thought according to the FTC, XXXX was suppose to have already forgiven my loans because I attended that school exactly in the time frame of the school fraudulent advertisement, but I havent seen or heard anything from the school at all. Please help ... All of $ XXXX I have in student loan debt is from attending XXXX only and I have a XXXX XXXX that does nothing for me.
Product: Credit card

I reported the unauthorized charges all of them, I did not at any point of my first calls or any other calls I let out any charges to report as fraud as they are saying now, every call that I made chase fraud agents change subjects and history of the " investigation '' and provided weak detailed information about the transactions and the suppose investigation, including the transaction reference numbers and the corresponding amounts. Despite raising this issue and requesting an investigation, I have not received any communication or updates regarding the progress of the investigation, or any steps taken to rectify the situation. all that I received are automatic emails, I send every evidence requested by them when I CALL not when they called, and I do not receive any UPDATE, when I decide to call again their response are NOW : you never send anything, we do not receive any support documentations, we know who send you an email we can't proceed process the request, please send all documents again to this email now, please resend all emails that you received from us, this answer is very clear their lack of knowledge and investigation they are not doing. 

I emphasize that these fraudulent charges not only compromise the security of my account but also erode the trust I have in CHASE 's ability to address such matters promptly and effectively. As a loyal customer of CHASE, I expect a swift and thorough investigation into these unauthorized transactions. 
I kindly request the following actions to be taken immediately : Providing me with regular or daily updates on the progress and findings. 
Temporarily freeze the affected funds to prevent further unauthorized transactions while the investigation is ongoing. 
Provide me with a clear timeline for the resolution of this matter, outlining the steps that will be taken to reverse the fraudulent charges and restore the security of my account. 
I urge to treat this matter with the utmost urgency and prioritize the investigation process to restore my confidence in the security of my account. Failure to address this issue promptly will not only have financial implications for me but will also reflect poorly on the bank 's commitment to its customers. 

I request an acknowledgement of this claim immediately, along with a commitment to the investigation and provide regular updates on its progress for any further communication or clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is showing that Im in an active bankruptcy which it was discharged last year in XXXX. I tried numerous of times to dispute with no answer back from Equifax. They are intentionally not completing my disputes which is harming me from getting a mortgage.
Product: Checking or savings account

XX/XX/2022 Wells Fargo Account was open not by me it's under investigation. I'm trying to protect myself. I'm also trying to protect my credit report according to my credit report someone has been taking loans and car loans. I need help and protection. I don't know how much well fargo was for or what state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many disputes over the course of two years with Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on multiple accounts ALL of which should not even be reported due to XXXX rights/laws. I have concluded in research that, In connection with its collection activities, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to XXXX. Based on these violations of the FCRA and Regulation V, Americollect, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and XXXX rights.