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

I was acquiring a service from a vendor that required payment on Paypal. On XX/XX/XXXX, the vendor asked for a 50 % deposit corresponding to {$75.00}. After I made the payment, the vendor indicated that the money was on hold by Paypal and issued a refund to me. And demanded the {$150.00} full payment. I paid the {$150.00}, and the {$75.00} was never refused. Paypal doe not offer a dispute process, and when I reposted a problem, they closed my case, indicating the transaction was exemplary. The amount on the statement reflects as XXXX ( XXXX fees ).
Product: Checking or savings account

I, XXXX ; XXXX, am reporting a serious issue of being denied access to my XXXX account despite providing full verification and following all instructions given to me by customer service. 

On XX/XX/XXXX, I was informed that there was suspicious activity on my account and that I needed to verify my identity. I provided my Social Security number and PIN to the representative. At that point, I was asked to submit a copy of my government-issued ID, which I initially challenged because I had already verified the account through other secure means. I asked to speak to a supervisor, but the representative refused to transfer me and instead hung up the call. I admit I may have used some frustrated language during that call, but I never directed it at the representative personallyI was expressing general frustration at the situation.

That first call lasted over an hour on hold before anyone answered. I called again later that night and waited on hold for over an hour and a half with no response whatsoever. 

On XX/XX/XXXX, I called again in the morning and spoke with another representative. I again asked to speak to a supervisor. After another hour on hold, I was finally transferred. The supervisor told me I needed to comply with ID verification. At that point, I agreed and submitted my ID twice, back-to-back. 

Despite doing exactly what was requested, their system marked both submissions as failed, even though my ID was valid and clearly readable. I was told that because their system failed to verify it, the matter had to be escalated and no one would be available to assist me further until Monday, XX/XX/XXXX. 

On XX/XX/XXXX, I received an email asking for verification again. When I called to follow up, I was placed on hold once again. After finally getting a representative, I asked to speak to a supervisor and was told I would receive a callback. I explained I had already been on hold for over an hour, and that I would rather stay on the line. The representative pretended not to hear me, and then hung up the call. 

Conclusion : I have submitted everything requested. I have complied multiple times. Ive waited hours on hold, only to be disrespected, ignored, and denied access to my own funds. Their systems failure to verify a perfectly valid ID should not result in me being cut off from my money. This is now causing financial harm, emotional distress, and placing a burden on my ability to provide for my family. 

I am demanding immediate release of my funds and full reinstatement of account access. If this is not resolved without further obstruction, I will pursue regulatory complaints, legal action, and seek restitution for any and all damages caused. 

Respectfully, XXXX XXXX XXXX Phone XXXX XXXX Email : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 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 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: Credit reporting or other personal consumer reports

Subject : Comprehensive Grievance Regarding Exeter Finance 's Misreporting and Failure to Provide Required Documentation Dear CFPB, I am writing to file a comprehensive grievance against Exeter Finance concerning multiple issues related to the reporting of my account and their failure to provide required documentation. Despite repeated attempts to resolve these matters directly with Exeter Finance as well as XXXX, XXXX, XXXX and the credit bureaus, I have encountered significant obstacles in rectifying the following issues : XXXX. Incorrect Reporting of Last Payment Date : Despite providing evidence of the accurate last payment date, Exeter Finance and the credit bureau continues to report an incorrect date, resulting in adverse effects on my credit profile.

2. Misreporting of Charged-off Status as Bad Debt : Exeter Finance has inaccurately marked the account as charged off as bad debt without providing me with a proper profit and loss write-off statement. This misreporting has further exacerbated the negative impact on my creditworthiness.

3. Failure to Provide Form 1099-C for Forgiven Debt : Despite the forgiveness or cancellation of a significant amount of debt, I have not received a Form 1099-C from Exeter Finance as required by law. This omission has left me uncertain about the tax implications of the forgiven debt and has hindered my ability to fulfill my tax obligations accurately.

These issues collectively demonstrate a pattern of misconduct and negligence on the part of Exeter Finance, which has caused undue harm and distress to me as a consumer. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action to ensure compliance with relevant laws and regulations.

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of accuracy and fairness in the reporting of my account. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX is the last time i was able to make a payment of {$50.00} From XXXX til now i receive txt messages from them several times i have spoke with XXXX XXXX XXXX i do not have any income at the moment i have no way to make any payments i revieced a phone call 23 - 32 times from different locations last week. 
Today at XXXX i recieved my last call and i explained that they are harrasing me i told the pervious people that i have no income at the moment she told me she didnt care i would have to pay {$5.00} and i again told her i did not have anything to give. They called monday twice, Friday, called XX/XX/18
Product: Debt collection

Cain & Weiner has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC-1601. No documentation in accordance with FTC guidelines. Notice sent to Cain & Weiner XX/XX/year> certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor deletion to credit reporting agencies have been made. Certified mail # XXXX. 
No 1099 forms have been sent to me from Cain & Weiner. No affidavit signed in accordance with 28 USC-1746 within 30 days from the date of receipt of request for validation and proof of claim.
Product: Checking or savings account

I have been receiving bank statements from the Wells Fargo company and I have never authorized to open an account in my absence. Please delete my personal information with Wells Fargo fraudulent open accounts.
Product: Money transfer, virtual currency, or money service

I wanted to express my concerns regarding Zelles handling of disputes. In light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on several occasions and reporting issues to my financial institution and Zelle failed to investigate claims adequately. They told me that recovering funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving customers vulnerable to scams. 
This lack of accountability and transparency is unexceptionable and raises serious concerns about customer safety.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal dispute regarding a collection account that has been placed on my consumer report by Credit Corp Solutions Inc. Credit Corp Solutions Inc has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

It has come to my attention that Credit Corp Solutions Inc is flagrantly violating my consumer rights through the use of false, misleading, and deceptive practices. By furnishing this account to consumer reporting agencies without providing the necessary disclosures mandated by law, Credit Corp Solutions Inc is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A.

I wish to formally dispute any and all debts purportedly owed to Credit Corp Solutions Inc . Furthermore, I am hereby revoking all rights for Credit Corp Solutions Inc to communicate with me via email, text, or phone calls.

In light of these concerns, I request the following from Credit Corp Solutions Inc : XXXX. Validation of the debt in compliance with federal regulations. 
XXXX. The purchase agreement between Credit Corp Solutions Inc and the original creditor. 
XXXX. Proof of licensing and bonding to collect debts in my state. 

Failure to adhere to these requests within a reasonable timeframe may result in further legal action. I expect a prompt and thorough response from Credit Corp Solutions Inc regarding this matter.
Product: Credit reporting or other personal consumer reports

THERE IS AN UNAUTHORIZED ACCOUNT ON MY CREDIT FROM XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my validation request on XX/XX/XXXX. it wasn't just a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully requested them to provide me with competent evidence that I have any legal obligation with them. 
But to my surprise they have neither validated nor responded to my request. This is yet another effort to resolve this issue before I file a lawsuit against this company if it will continue to report unvalidated information on my credit file. 
For yet another time, please delete these unvalidated accounts asap : NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 
NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 

Attached herewith is the letter i sent this company ealier.
Product: Checking or savings account

online banking has been unavailable for computers since Wednesday XX/XX/2019. It is now Friday XX/XX/2019 and there is no estimate available for when it will be fixed. I filed an executive complaint with XXXX, case no.XXXX but she stated she has no access to email to send any follow up information.
Product: Credit reporting or other personal consumer reports

Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, Equifax, and XXXX and they are still reporting it after asking them to remove it.
Product: Debt collection

This account with XXXX was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called CBCS acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts and inquiries listed below are fraudulent accounts and was opened without my consent. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} Acct # XXXX XXXX  XXXX XXXX {$130.00} Acct # XXXX XXXX XXXX XXXX {$880.00} Acct # XXXX XXXX XXXX  XXXX {$1200.00} Acct # XXXX XXXX XXXX  XXXX {$200.00} Acct # XXXX TransUnion Inquiries XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Checking or savings account

On XX/XX/year>, my account became overdrawn by {$41.00}. I received an email notification from Wells Fargo indicating " With Extra Day Grace Period you have an extra day to make deposits and avoid overdraft fee, '' so I made a cash deposit for {$100.00} on XX/XX/year>. This is reflected in their portal, but they assessed a {$35.00} overdraft fee for the transaction that caused my account to be overdrawn on XX/XX/year>. When I called them about it they indicated the fee was due to a transaction from XXXX that was pending on XX/XX/year>, but didn't post until XX/XX/year>. They are not disputing the fact that I deposited the funds within the " Extra Day Grace Period, '' they are refusing to rescind the fee because they believe it is valid because of the XXXX transaction.
Product: Credit reporting or other personal consumer reports

Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted XXXX that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called XXXX XXXX and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Friday XX/XX/XXXX when I checked my credit report I saw a medical collection of from XXXX XXXX placed by Tek Collect Inc. I have never received services from XXXX XXXX and when I reached out to Tek Collect via phone they said in order for me remove this negative marker from my credit report I have to send them a XXXX  of the amount. 
I informed them that this is not my account and they have never sent me any documentation in regards to the debt. They provided me an address where they said that a letter was mailed to which doesn't belong to me. They still said that I will have to pay them to delete the negative marker from my credit report which is unfair.