23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 tracking the transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I was on a payment plan with XXXX ( representing XXXX teeth aligners ) for XXXX years until XX/XX/year>, when they lost my information, this was an administrative error on their part. They called me to attempt to reinstate the payment plan, but the nature of the call seemed fraudulent and did not make me comfortable - not only was I unsure if it was really XXXX, but they were not even able to explain what happened and why they needed to restart the payment plan. 

Then we got to the last step where I needed to upload my bank info into their system to start again the payment plan. This was not how I joined the payment plan initially, so this felt very unsafe and I did not feel comfortable putting my banking info on that document. In addition, the payment email was from XXXX and showed no connection to XXXX in it. I further contacted byte to confirm things but received no response from them. As a result, I concluded this was a fraudulent attempt and ceased communication with the rep. 

Only XXXX months later after seeing my credit score consistently drop did I figure out this was not fraudulent. I spoke to XXXX and paid everything in full - unfortunately my credit score dropper over XXXX points by then. 

When I spoke to XXXX to help me fix the error, they were very unforgiving and insisted it was my fault for not believing the request was legitimate. They are refusing to help clarify the derogatory remarks in my credit report stating I missed the payments, when in fact, XXXX mishandled my file and did not provide a safe way for me to understand the issue and reinstate my payments. 

I had made every single payment until then, as I have for all of my bills, and yet this XXXX point drop has now affected my ability to get a credit card and mortgage rate. 

Attached documents : XXXX. My email to byte asking about the suspected fraudulent behaviour, of which I never received a response from. 
XXXX. Payment request from XXXX coming from XXXX email
Product: Debt collection

I have a collection account with Portfolio Recovery. I have picked up my phone, made payment arrangements with Portfolio Recovery, have been making ACH scheduled payments from my checking account every week, and my credit reports have yet to show the all the updated information fields on all  XXXX  of my credit reports ... THERE IS ALWAYS SOMETHING MISSING OR BALANCE INCORRECT, ALSO THE FACT THAT I HAVE SCHEDULED PAYMENTS AND THE AMOUNT OF THE LAST PAYMENT IS MISSING, AND/OR DATE OF LAST PAYMENT IS MISSING OR INCORRECT .... I AM PAYING THE ACCOUNT IN FULL TO YOU, AND YOU GUYS CAN NOT SEND COMPLETE CORRECT INFO TO ALL   XXXX   CREDIT BUREAUS? PORTFOLIO RECOVERY BOUGHT MY CHARGED OFF CREDIT ACCOUNT FROM MY ORIGINAL CREDITOR ... .. IN WHICH, MAKES PORTFOLIO RECOVERY MY CREDITOR NOW, YOU ARE NOT WORKING ON BEHALF OF ANY OTHER CREDITOR ( YOU BOUGHT AND PAID FOR MY CHARGE OFF ) AND SO I BELIEVE THAT NOW, SINCE YOU REPORTED MY ACCOUNT AS NOW YOURS HERE JUST RECENTLY CHANGED, I WOULD THINK THAT NOW SINCE YOUR NAME HAS BEEN CHANGED TO REFLECT " CREDITOR '', AND MY PAYMENTS ARE BEING PAID ACCORDING TO OUR AGREEMENT SCHEDULE, THAT THE LEAST YOU ALL COULD DO IS NOW REPORT CORRECT COMPLETE INFORMATION TO ALL  XXXX  OF THE BUREAUS. IF YOU DO NOT REPORT TO ALL  XXXX  BUREAUS, THEN WHY ARE YOU ON ALL  XXXX  OF MY CREDIT BUREAU REPORTS?? ALSO, WHAT IS THE DEAL ABOUT ANOTHER ACCOUNT FROM 1993? I KNOW WHAT IT IS, AND WHERE IT CAME FROM, AND I WILL NOT PAY IT UNLESS YOU REPORT IT. I WILL NOT MAKE PAYMENTS FROM MY CHECKING ACCOUNT WITH MY ROUTING AND ACCOUNT NUMBERS, AND MAKE ON TIME PAYMENTS TO YOUR COMPANY FROM AN ACCOUNT BACK IN 1993 UNLESS YOU REPORT IT AS A BRAND NEW ACCOUNT AND REPORT IT TO ALL  XXXX  BUREAUS, AND STATE THAT ACCOUNT IS IN GOOD STANDING AND PAYMENTS ARE CURRENT AND ACCOUNT IS NEWLY OPENED. I WANTED TO PAYBACK MY ORIGINAL CREDITOR   XXXX   XXXX   .... THEY WILL NEVER GET PAID BACK BECAUSE YOUR COMPANY BOUGHT MY ACCOUNT. I REALLY SHOULDNT PAY YOUR COMPANY ANYTHING, PERIOD. BUT I AM, SO IF MY REPORTS DO NOT START REFLECTING GOOD COMPLETE INFORMATION, THEN IM DONE.
Product: Student loan

JPMorgan Chase Bank , N.A . first had my student loan account. Recently, the servicing for my loan was transferred to XXXX. I have had automatic debit for the lifetime of the loan. A letter was sent informing me that XXXX would service my loan and my information from direct debit would be transferred to XXXX. XXXX successfully withdrew my payment for the last few months. I recently received a letter instructing me to update my direct debit information online with XXXX to avoid any issues. As instructed, I went into the AES website and updated my information. Today I received a letter from XXXX XXXX informing me that JPMorgan Chase Bank , N.A . has referred my account to collections because it is 14 days past due. Again, I have never been delinquent. I have always been a direct debit client. Even if I HAD been delinquent, what sort of company refers an account to collections after 14 days without first informing the client that they have missed a payment?
Product: Debt collection

Please remove closed accounts off my credit report you have 14 days XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for XXXX few years because my husband at that time was given an XX/XX/XXXX for XX/XX/XXXXyears outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost XXXX properties here inXX/XX/XXXX XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed Citibank directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( XXXX XXXX, XXXX ) without my consent and after XX/XX/XXXX years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to Citibank for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my XXXX XXXX house, located XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.
Product: Debt collection

Agent from FCO initially called and I explained to her that I was unaware of debt owed bc I paid out my acct at moveout with a {$0.00} balance. The other party who had her own online acct was allowed to make arrangements w the property manager bc of covid ( {$1200.00} ). I was not contacted for 2 yrs by company of any balance owed on the acct. The agent repeated called and harassed me about the amt and said that she could not reach the other party. I gave her the contact information of the other party and reached out to her FOR the agent and she did return her call and made arrangements for debt owed and the agent said that I was no longer responsible and I did no longer needed to worry about the dispute that was supposedly submitted. On XX/XX/XXXX the harassment started again bc the payments defaulted ( {$610.00} ). I told her that I was not paying bc of what she told me prior and and she should contact the other party for NSF charges and payments and she continued to threaten my credit bc it was so good I didnt want to mess it up, etc, I received calls at all times at work from different numbers that started with my area code ( 504 ), unknown, and XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX ) not including unknown. She continued to call and I told her not to call me anymore that I would get my attny involved. My daughter is also listed on the acct, is XXXX old, and she not once spoke to her nor did she ask my permission to negotiate for her or make decisions for her the entire time and she reported her to the XXXX XXXX as well without even attempting to collect her debt as you can listen to all of the calls for proof of that as well.
Product: Debt collection

I received a debt complaint from Innovative Collections on a rental car that I turned in on the day of the supposed violation. I returned the car early AM and did not have any ticket whenever I used the car, and I don't own the car, and I don't know if I was the one driving the car if/when any violation occurred. To verify the debt / incident, I disputed the debt by following the exact procedure written out on their mailing ( attached ) within 30 days, and then I received a mail reply signature receipt ( attached also ) from a person who received it. That person 's name is XXXX XXXX and they received it last week. Yet, when I call, they say they never received anything and make up that I would be late for an appeal. I corrected the phone rep who seemed to be in error that I meant I disputed and I was within the time frame, and she was talking about an appeal w the city. I never saw anything from the city. I asked to speak to supervisor and she said there are none on staff and someone would return my call. Then later in the call, she said nobody would be calling me. The whole thing sounds illegitimate and beyond inappropriate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX  CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease.

They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs.

During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since

XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX.
I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX   HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN.

My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX  are none of the former owner 's business.

Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again.

They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$220.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$120.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$72.00} Account Name : XXXX  # XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance XXXX {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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. 

Account name : 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 XXXX 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: Payday loan, title loan, personal loan, or advance loan

I had a loan with Personify and was going through financial difficulties. I was offered a settlement and followed instructions to reply to the email if I was interested. I was expecting a reply with the terms and it wasnt received. When I followed up, I was told it was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( XXXX XXXX XXXX remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with Equifax and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with XXXX services on my credit report several times ( XX/XX/202, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX  XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!
Product: Prepaid card

Hello, I received two AMEX Gift Card from my employer. I activated both not long after receiving them in XXXX. Neither card works and are declined everywhere and through every mode of payment. Ive tried in store purchases, online purchases, gas stations, restaurants, etc. These are cards do not work ( I have a {$0.00} charge pending on XXXX ). 
I called AMEX and was told that the cards should work via my XXXX XXXX. I added to the XXXX XXXX as suggested, and that too didn't work. I was also told that any place that accepts AMEX these cards would work. That too has proven to be false. The most bizarre being that the cards also don't work for online purchases. 
As I have had these cards for over a year at this point I would just like a check with the total balance of the cards so that I can actually access the money that is owed to me. 
I can't find a resolution with AMEX. The phone tree is horrible and actually getting to a live person takes hours. I got to a live person once and was told that I couldn't transfer the balance of these cards, nor could they provide me with new ones that worked. I tried every FAQ measure listed on their site and those too don't work. At this point I just want the balance of my cards. 
Card numbers are : XXXX ; XXXX Code : XXXX ; Exp Date : XX/XX/XXXX ( {$500.00} ) XXXX ; XXXX Code : XXXX ; Exp Date : XX/XX/XXXX ( {$500.00} ) Please let me know if you can help or if there are any additional details that I can provide to assist.
Product: Debt collection

Definitions : CONSUMER means I, me. Victim of identity theft and FDCPA violations. 
CORPORATION means XXXX CORPORATIONS means XXXX AND Professional Account Management , LLC Background : Beginning around XX/XX/XXXX, XXXX ( XXXX ) attempted an illegal contract and extension of credit with the CONSUMER that included other stolen information. The XXXX created and account using the name and likeness of the CONSUMER for employment and unjust enrichment purposes thus committing identity theft. 
The XXXX continued to forward threatening correspondence to CONSUMER to continue their deceit in an organized attempt to defraud. The CONSUMER forwarded several notices of rejection of their persistent offer to contract. The CORPORATION then proceeded to sale and/or transfer the account to Professional Account Management , LLC ( CORPORATIONS ). Mailings from the CORPORATIONS began in XXXX of XXXX. 
Neither of the CORPORATIONS are known by the CONSUMER. The CORPORATIONS were forwarded : XXXX ) Cease and Desist ( XXXX XXXX, delivered to an individual at the address at XXXX am on XX/XX/XXXX ) XXXX ) XXXX NOTICE OF FDCPA VIOLATIONS, CIVIL LIABILITY & MAIL FRAUD ( XXXX XXXX, delivered to an individual at the address at XXXX pm on XX/XX/XXXX ) XXXX ) DEFAULT JUDGEMENT & XXXX NOTICE OF FDCPA VIOLATIONS, CIVIL LIABILITY & MAIL FRAUD ( XXXX XXXX, delivered to and signed for by XXXX XXXX at the address at XXXX am on XX/XX/XXXX ) As of this CFPB complaint filing, the CORPORATIONS have ignored all written correspondence and a default judgement has been entered against them. 
XXXX XXXX evidence of FDCPA violations, mail fraud, and collection of credit by extortionate means by the CORPORATIONS are included and attached as exhibits. 
Civil liability damages are now due effective immediately by the CORPORATIONS. 
This information is first-hand, true, and correct to the best of my knowledge.