23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.
Product: Debt collection

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Product: Credit reporting or other personal consumer reports

Loan was behind on payments, creditor requested past due amount be paid by XX/XX/XXXX or account would be charged off. Payment was made in full for past due amount on XX/XX/XXXX, effective XX/XX/XXXX. Creditor charged loan off and is reporting as past due collection. Payments since have been on time however creditor is reporting as past due collection.

I am unable to get parent plus loan for my daughter having this on my credit. Knowing this is why I made sacrifices to get loan paid current by deadline. Highly disappointed they chose to put in collections despite receiving payment by date requested.
Product: Debt collection

According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
Product: Mortgage

Since XXXX I received a letter from Lakeview confirming that my forbearace had ended and that I had to pay again or take up a payment plan ; On XX/XX/XXXX, I called and spoke with an advisor and chose between downloading the interest rate to lower the fee and / or lengthen the time and lower the interest, the advisor of the morgage company told me that they would send the two proposals so that I could choose the one that best accommodated, after that call call the XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX and they always tell me not to worry that they will send the documents soon ; It seems to me that enough time has passed for them to send me the documents so that I can continue to pay my morgage. 
note : additionally since the month of XXXX I have tried to make payments for the page and it does not allow me because my user is blocked and what all the advisors have told me is that it is due to the arrangement contract process ; I think that is mi right to make payments and verify my account statement.
Product: Debt collection

Last year I discovered false accounts with XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX conducted an investigation. The issue was solved and XXXX stopped reporting the accounts. I was notified by XXXX and XXXX that the accounts were no longer being reported and my report was updated. Experian, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit card or prepaid card

I have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. 

In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. 

This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. 

Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and XXXX XX/XX/XXXX. I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. 

Due to your companys neglect and unjust actions it has cause damage to my consumer report. You company fails to thoroughly investigate and you staff has given misinformation on important information constantly on recorded phone lines! 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. Inaccurately. These accounts should PROMPTLY be updated as PAID/ON TIME : XXXX Bank XXXX XXXX Acct. # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo charged my account with numerous overdraft fees and constantly flagged my account for fraudulent transactions
Product: Debt collection

Tried to Make an arrangement to pay {$15.00} a month until debt was paid off
Product: Credit reporting or other personal consumer reports

I have provided a copy of an FTC report to acknowledge the fraudulent inquiries on my file, which this company has declined to remove. It is my understanding that this XXXX is committing multiple FCRA violations, including 15 US Code 1681a ( m ), Section 609 ( a ) ( 1 ), which requires consumer reporting agencies to clearly and accurately disclose all information in a consumer 's file at the time of request, as well as FCRA Section 605B. Your reporting practices are negligent and inaccurate, failing to comply with FCRA regulations. I demand that these items be deleted immediately and updated. According to US Code 15, 1681b they must remove these within XXXX hours. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These all need to be removed immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX Account # XXXX DEPT. OF ED/XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX 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 unfeasible. The CFPB 's 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.
Product: Debt collection

Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger. 

Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ). 

At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date. 

Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}. 

The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order. 

No balance is due on this account. 

I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt. 

Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid. 

They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA. 

The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA.
Product: Debt collection

Based on the above bullet points, I and this situation falls into 2,3rd and 4th bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a XXXX Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau TransUnion and they continuously report this fraudulent account to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Debt collection

This company sent me a XXXX XXXX XXXX  And the Care credit company said I owe them {$1300.00} but I sent the XXXX XXXX back to the company that sent it to me but They didn't tell Care Credit that they got it so now Care Credit are saying that I owe them {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late to the credit bureau XX/XX/XXXX by XXXX XXXX XXXX. I sent a dispute to XXXX and the information came back verified. I am unable to easily dispute the information again with my proof via online. I signed up for payment protection with XXXX XXXX XXXX and was supposed to be back dated to avoid having a late payment this did not happen.Due to the error I was denied for leasing and now myself and my XXXX children are left XXXX due to the careless verification process. I attempted to contact XXXX XXXX XXXX directly but was left on hold and the agent never returned the line dropped on the morning of XX/XX/XXXX XXXX XXXX.
Product: Student loan

I have multiple loans with AES and have a near perfect payment history with them. But in XX/XX/2019, I was out of the country and unknowingly missed a payment for which they reported me 30 days delinquent. The AESobile and online portal for paying loans is very tough to use and confusing to pay what is owed and also see what is timely versus what is late. Even XXXX reps will say it's confusing. This issue caused me to not apply payment properly to the right loan and pay the right amount. Hence I was short and they marked the loan late as I didn't pay until I returned in end of XXXX. I've tried to reach multiple people and get this remediated but noone is working with me. This is a huge issue and one payment is causing grief and credit score issues. Their platform for payment is completely misleading, and I'm suffering as a result of the confusion it caused. Furthermore I inquired immediately about if I can get a backdated forbearance around when this happened and they said it was not available. Multiple reasons why they should really remove my XXXX late mark
Product: Credit reporting or other personal consumer reports

I never received my letter of deficiency from XXXX XXXX XXXX XXXX.for a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.