23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sold this account to Jefferson Capital after I returned merchandise to them that did not work within 30 days. When Jefferson Capital started trying to collect, I disputed in 30 days of thr notice. Several years later they would call and then on their last call they advised that they could not collect on it anymore because of the age. I am not getting collection calls from XXXX XXXX they are advising that they are collecting on behalf of JEFFERSON CAPITAL who is listed as a company I had service with. XXXX had not sent me a collection letter and when they call, they did not want to advise where they were calling from
Product: Checking or savings account

Okay today is XX/XX/year> as of XX/XX/year> I deposited a refund check to chase bank for the amount of XXXX I waited the 7 days for my check to clear for the release of my funds and when it cleared they put a hold on my account for no reason after verifying everything they need still a hold then I got a letter XX/XX/year> tht my account was being closed and still no answer to why or where my funds are been waiting so long and go back and forth with them over the phone I figure I'll give y'all a try to get my funds to me
Product: Credit reporting, credit repair services, 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. 

XX/XX/XXXX Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XX/XX/XXXX of inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian XXXX XXXX NA Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXT XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX Experian XXXX OF XXXX Date of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Experian XXXX XXXX Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXDate of XXXX : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXX/XX/XXXXr XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/MILESTODate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX has violated my rights. 

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

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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. On XXXX XXXX I paid for goods via XXXX and immediately realized it was fraud. Upon contacting Chase bank, there was no action they could take, no refund and no investigation took place
Product: Credit card

XXXX XXXX XXXX XXXX, of the United States District Court for the District of New Jersey, oversees this case, XXXX XXXX TD Bank, N.A., Case No. XXXX ( XXXX. ). The persons who suedXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX the XXXX. TD Bank , N.A . ( TD Bank ) is the Defendant. 
Plaintiffs claim that TD Bank breached its contracts with TD Cash Secured Credit Card holders and violated state consumer protection statutes when TD Bank did not automatically graduate TD Cash Secured Credit Card holders to an unsecured TD Bank credit card when those cardholders used their accounts for seven consecutive billing cycles without committing an act of default. TD Bank denies that it engaged in any wrongdoing. 
I am XXXX XXXX. I knew they were doing something wrong then. Why did they keep XXXX  of people 's money on these secured cards? I opened a {$2000.00} secured card in XXXX  to rebuild my credit. I was supposed to get the money back in two years, and I did not, so I sued. They also did not report to the credit bureaus properly. It did NOTHING for my credit like they promised. It only made sense to me that they were playing with that money they withheld on the stock market. It's painfully obvious now. My complaint? They failed to help build my credit like they promised. Thank you.
Product: Debt collection

They sued me for the debt. I hired an attorney. When we went to court. The debt collector never showed up because they had no proof that it was mine. The judge ruled in my favor that the debt is not owed. It's been over a year now and they still will not remove it from my credit report. I have disputed it through the agencies multiple times and some how they still are allowed to keep it there. The creditor is LVNV Funding. The amount is {$2900.00}. I'm tired of fighting this after this has been settled in court already.
Product: Mortgage

On XX/XX/XXXX We applied for and were approved on XX/XX/XXXX for a re cast of our current XXXX XXXX   Mortgage based on a principle reduction that was paid by us. We overnighted the notarized agreement for modification, re-amortization that Ditech sent to us on XX/XX/XXXX via the XXXX XXXX envelope they provided us. It was received and signed for by XXXX XXXX at XXXX on XX/XX/XXXX at Ditech XXXX XXXX tracking XXXX. I called to confirm on XX/XX/XXXX that they had received the documentation and also to confirm that they received our XX/XX/XXXX payment as they cashed it but not applied it to the account promptly. They told me that the recast was already finalized and that the payment made was at the old amount of {$2700.00} and the new Mortgage amount was {$1800.00} which they would apply the {$1800.00} to the XX/XX/XXXX payment and the remaining {$910.00} to principle. They did this and the account currently shows correct on their website with the new payment being due XX/XX/XXXX at the new amount of {$1800.00}. I assumed everything was fine because that is what I was told and the website reflected it correctly. I then received a letter from Ditech dated XX/XX/XXXX stating the recast was not finalized and it included the documents that I previously notarized and sent to them for signatures again. I called Ditech on XX/XX/XXXX and spoke to XXXX who told me yes the recast was finalized on XX/XX/XXXX. I asked for the Agreement signed by Ditech and she said she had to transfer me. I then spoke to XXXX who was very rude to me and transferred me to XXXX. XXXX told me at first that they never received the notarized documents from us as they do not show in there system. I told her we had the tracking number to prove it and she placed me on hold and came back and told me that the recast was finalized that day they received them on XX/XX/XXXX. She could not provide me with accurate information and I asked how my account shows the new payment in their system and they are taking payments in at the new amount but they can not provide me with the signed agreement. This could cause problems with future payments and I could be late as I do not have 100 % proof they signed this agreement and they are telling me they my not even have the documents that they received. I would like Ditech to provide me a copy signed by them of the agreement for modification, re amortization, or extention of a mortgage as I have a right to the document for my records. I hsve the right to accurate information as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support back pay reported as dilequent and not paid. I have been paying on my back pay child support since the parenting plan signed XX/XX/2017. I owed {$4300.00}, Ive paid {$100.00} a month per papers and it is reported I haven't paid and deliquent. I need the information corrected and reported on time payment.
Product: Payday loan, title loan, or personal loan

I 've been usin  g PayPal for over 10 years so I decided to try giving their credit card after getting a promotion for six months no interest.
I set up auto payments thinking it would automatically pay the account off when it became due, but it did not. So, I was charged almost {$200.00} in interest fees, and although I paid off the balance when I saw what had happened just one day later, they would still not waive this interest fee.
Any other credit card company would have waived this fee, but PayPal is sticking to their dishonest business practice of not notifying you that the auto payment will not pay off the balance, and they will not waive the interest fee even though you paid the balance off immediately after becoming aware. They also DO NOT CARE how long you have been using PayPal.
Needless to say, do not sign up for their credit card, even from   a promotion. IT IS A SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue reviewing my Chex Systems Consumer Report # : XXXX online with Chex Systems.
Product: Debt collection

Landlord ( XXXX ) is trying to charge me for damages to the floors that the maintenance men caused and for rent for a month that we weren't living there. When I called to talk to manager ( XXXX ) of apartment complex she was very rude wouldn't give me an explanation and hung up on me.
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX XXXX XXXX  service for more than 5 years, I received my expatriate salary on my account, including my company. One day my account was deactivated without any precise information on the exact reason for the closure. 

I asked and contested the decision, and they keep it closed without giving a reason. 

I have a work contract as an expatriate from an XXXX company, I received my salary legally, I made the exchange operations and personal payments normally, for me, for my wife, for whom I needed to pay. 

Never have they come and questioned something, or asked for explanations of the movement. I could explain and prove all legality. 

They just closed and don't give a reason. 

I think at least one justification is a right I have to know why. 

XXXX XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

After my last complaint they let me change my login. I wrote it down and it worked. Tried again and it is locked AGAIN.They are so CORRUPT. They allowed companies I never heard of report items XXXX yrs old, they do not recognize new login they had me create and continue to allow access to my info from companies I never heard of.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

After carefully reviewing my updated credit report, I saw that you are currently reporting these collection accounts provided above on my credit report. I have no knowledge of these accounts in the first place. While you are currently reporting these alleged debts on my credit report these are causing significant harm to my credit score and financial reputation. 

RE : Account Number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX h

as violated my rights. 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 an account without my written instructions.
Product: Checking or savings account

- Our tax payments were stolen from the post office on XX/XX/2022 ( we filed a case with the XXXX ) - On XX/XX/2022 we noticed a check clearly made out to the United States Treasury on the front for {$6800.00} was cashed immediately with a signature on the back ( not the government computer generated numbers- we confirmed that the US Treasury did not receive our funds )- We went to XXXX immediately on XX/XX/2022 and as instructed filled out a XXXX page affidavit which they faxed to customer service from that branch - We also closed the account because of the fraud and opened a new account at the same time in which the funds were immediately transferred - On XX/XX/2022 we received a mailed letter from XXXX stating that a claim has been initiated and they were in contact with the bank that cashed the check Wells Fargo. XXXX Case # XXXX XXXX - We have called XXXX multiple times and gone to the XXXX branch twice between XX/XX/2022 and XX/XX/2022 about the status of the claim and just get a call center saying they are 'waiting to hear from Wells Fargo ' XXXX 

- On XX/XX/2022 we received a letter from XXXX telling us that Wells Fargo is responsible for repayment. If after 90 days XXXX does not hear from Wells Fargo, XXXX will close our claim and our funds will not be recovered. - - It should be clear to both XXXX and the Wells Fargo that we have been wronged and that one of the two banks is responsible for returning my {$6800.00} as the Payee of United States Treasury is certainly not a handwritten signature. 

- Wells Fargo has not responded to our bank XXXX. How can it be legal for Wells Fargo to just not answer in order for XXXX to just give up and we are out of funds because Wells Fargo made a mistake and is blowing it off.
Product: Debt collection

This account was established over 10 years ago. I closed it by choice between XX/XX/XXXX and XX/XX/XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XX/XX/XXXX. In XX/XX/XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureau. Despite sending them the last letter Therefore, XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Checking or savings account

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach, and XXXX has done nothing please help me delete these illegal accounts from my credit report. List all those negative accounts  from your XXXX credit reports.Account names and account numbers and file your complaint with the CFPB
Product: Mortgage

Had a VA mortgage with Bank of Texas ( Bank of Oklahoma ) ... .refinanced on XX/XX/XXXX ... .escrow refund was released on XX/XX/XXXX per website ... .I contacted them on XX/XX/XXXX and was told the check would be mailed out on XX/XX/XXXX ... .called in on XX/XX/XXXX and confirmed it was mailed out from their XXXX location to my home in north XXXX ... waited a week no  check ... called BOT was told to keep waiting ... .called back on XX/XX/XXXX and XX/XX/XXXX and was told the same thing to just keep waiting ... .I requested a stop payment and a new check cut and was told if I request that I have to wait an additional 30 days ... .requested on last 2 phone calls to speak to a supervisor but was told I would receive a call back same day ... .never received a phone call ... .have filed 2 formal complaints with BOT and was supposed to get a call back regarding those ... ..still have not received a call ... ... .It is now day 36 and I keep getting the run around with no solution except to cancel the " check they mailed out '' and wait another 30 days ... ..all I am asking for is a option on where I can pick up a check or have one recut and overnighted.

Thank you,
Product: Debt collection

I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.
Product: Credit card or prepaid card

in XX/XX/2020 i purchased on XXXX XXXX bike components : XXXX XXXX XXXX valued {$860.00}, and XXXX XXXX XXXX valued {$1700.00} The items were planned to be delivered via XXXX on XX/XX/XXXX XXXX the following tracking numbers were provided XXXX XXXX On XX/XX/2020 the items were marked as delivered. however the items were not at my doorstep and nowhere around the house. 
Tracking number XXXX would have required signature for delivery. 
I believe the items has been delivered to the wrong address, however both XXXX and XXXX refused to open an investigation to find out where the packages where delivered. 
I then dispute with the credit card company which is Apple Card managed by Goldman Sachs. The dispute was resolved in favor of XXXX without any valid reason, although i have been trying to get in touch with XXXX to address the issue which instead ended up closing my account because of the dispute with the credit card company. 

many time in the past 2 years i tried to appeal the decision of the dispute with Goldman Sachs. New dispute was always opened but the result was always the same. 
Recently there were reports and complaints from many users that Apple Card was always closing dispute in favor of merchant rather than consumer. Upon such reports i received an email from Apple Card that they were reviewing again my dispute closed not in my favor, however once again the dispute was closed in favor of the merchant. 

2 years after i find my self with a charge of {$2600.00} which i have already paid off, but with no items ever received. A police report was also opened and sent to Apple Card multiple times. The police report is also attached to this complaint. 

Apple Card Goldman Sachs has been one of the worse credit card with one of the worse customer service ever, with no interest to take the side of the consumers with no apparent valid reason
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express concerns regarding Zelle 's mishandling of disputes, particularly in 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: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to all my 3 credit bureaus that I had a personal loan with them, or something called a self credit builder. I have told them repeatedly that I never did this or started this and they refuse to help or remove that information from my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA code 15 US 1681 my rights have been violated as a US citizen and a Consumer. Specifically Under code 1681i- ( reporting containing information solely as to transaction or experiences between the consumer and the person making the report. ) This is listed under the code as an EXCLUSION. Therefore any information regarding payment history by law appearing on my credit report is UNLAWFULL and should be removed or corrected. The following under UNITED STATES LAW should be corrected on my credit report immediately and updated to PAID AS AGREED or removed immediately XXXX - XXXX  XXXX