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

An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX XXXX A balance of {$5100.00} is being reported to Equifax as Collection account. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXXXXXX XXXX and Equifax never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Equifax is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXXXXXX XXXX nor Equifax have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Product: Credit card or prepaid card

I opened Synchrony bank 2 % cash-back credit card ( PayPal credit card ) in XX/XX/2020. I have perfect credit score, was never late and always paid the balance in full. On XX/XX/XXXX, my credit card was closed by Synchrony bank without any explanations. 
My credit card is ending with XXXX. 
I called Synchrony Bank twice and was told the Bank can close my account anytime without paying any cashback. 
The expected cash reward {$420.00} was never paid. 
This is obviously a fraud.
Product: Debt collection

This company bought my debt in XXXX and added this debt to collections on my credit report in XXXX. When the debt was added I got notified and this was when I first found out about this company. XXXX I was never contacted once, they never tried to settle this debt before adding it to my credit report.
Product: Debt collection

1. I assumed a loan from XXXX in XXXX. 
2. Late XXXX early XXXX Aging parent issues and loss of income caused me to hire XXXX XXXX to negotiate a settlement agreement with XXXX. 
3. Filled out the application with XXXX XXXX using current address since XXXX in Maryland. 
4. XXXX sold the debt to Jefferson Capital ( collections ) in XX/XX/XXXX after XXXX XXXX had started negotiations. 
5. Jefferson Capital decided to use my old address in XXXX, PA which I moved from in XXXX. I have not owned the property since. Correspondences were sent to that address which is over 12 years old and was not entered into my application with XXXX or XXXX XXXX. Therefore Jefferson Capital ran my history and intentionally entered the incorrect address, which disallowed proper correspondence. Had they used my address as of XXXX, as noted in line 3, this debt could have been resolved last year and my credit would not have taken as much of a decline. I verified this when I called Jefferson Capital, after I learned through XXXX XXXX who owned the loan, when the XXXX XXXX agent I clarify my address for verification. I gave him the only address I used on any applications since XXXX in Maryland. He said that the MD address was not correct. I finally figured out they used my old address after he told me the city of the old address ( XXXX, PA ). I spoke to a " supervisor '' who stated XXXX XXXX had that address and gave it to Jefferson Capital. I know that's in accurate as I have received all mail from Beyond Finance to my address in MD. I contacted XXXX XXXX and they said the old address is not anywhere on my application. I paid Jefferson my debt, but their practices in this case are deceptive and designed to prolong the debt to increase their interest to collect. This is afoul of current law and abusive practices. Due to their intentional practice of using an address I have not resided at since XXXX, I was never given the opportunity to address the matter as legally provided. I demand this debt be erased immediately and my credit score restored to the equivalent of the points deducted due to their mismanagement and predatory practices. This was not a clerical error in any fashion as my loan was made in XXXX, 10 years after selling the house in XXXX, PA. 

cc : Honorable XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Debt Collection Agency Caine and weiner are collecting a Debt that I do not owe, states that they are collecting in behalf of XXXX XXXX XXXX. I have disputed this debt several times and sent letters requesting debt validation from the company two times on XX/XX/2019 and XX/XX/2019. That have yet to furnish a signed contract or proof. I have also contacted XXXX XXXX XXXX on XX/XX/2019 requesting information and they dont have in there system. I recently reached out to Caine and Weiner today and spoke with a representative who could not validate the debt either and I was transferred to her supervisor XXXX XXXX who was no help and said he could not do anything or remove this debt. I had to contact XXXX which I already have. Caine and and Weiner do not have a signed contract between myself and them obligating me to pay this and need to remove this from all of my credit reports immediately. Company falsely reported to credit reporting company that account was disputed. Never received communication from this company a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus.
Product: Credit card or prepaid card

I have two credit cards with Capital One : ( 1 ) Quicksilver account ending in XXXX ( 2 ) Walmart account ending in XXXX I moved on XX/XX/20 and what should have been an easy and simple process of updating my home address has turned into one of impossibility. I tried prior to moving to notify the Bank via telephone and was met with extreme difficulty and ultimately the agent was unable to process the address change. Additionally, I tried making the change online but again was met with extreme difficulty and due to stale information was unable to get the receipt the security verification code to access my online account that I setup at inception several years ago. I tried contacting corporate but again was met with extreme difficulty as they route the call back to customer service. 

I want both accounts CLOSED. I used my Quicksilver account for moving expenses and need the charge information confirmed ( i.e., what is the amount due ( should be {$1600.00} ) and when is it due ( should be XXXX ) so I can coordinate the ACH at the appropriate time.
Product: Consumer Loan

We had set up auto drafts from a checking account to pay for the car. Prior to the due date each month for 3 consecutive months we called in a payment prior to the due date and asked that our account not be debited. They agreed took the payment and then tried to take out the second payment each of the 3 months. Not only did they do that but they charged us fees for return payments.
Product: Debt collection

I tried to settle my debt with the company and submitted a complaint trhough the CFPB and they will not make payment arragements as they told me in their letter of response sent to me and copied to the CFPB. Now they wont stop calling at home and at my mobile.
Product: Student loan

In XX/XX/2018 I had reached out to AES via their website 's contact form about requesting options for lowering my monthly payments. My reason is that I have become the sole source of income for my wife and I as she's unemployed and unable to collect unemployment because of recently relocating to a new state. As requested by AES, I submitted an application and cover letter outlining my financial situation, waiting over a week before reaching out to check on its status. When I spoke with a representative on XX/XX/XXXX at XXXX XXXX EST, they informed me that my loans were not eligible for any form of lowering monthly payments because of " not qualifying. '' I find this to be a bit ridiculous given I had provided substantial document of my financial hardship and AES appears to care little for its customers ' well-being or ability to live.
Product: Student loan

In two letters from last year, in XXXX and XXXX 2023, Mohela student loan servicing indicated that my student loans had been forgiven. It is now 6 months later and Mohela still has not reported to the credit agencies that the loans have been forgiven.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was totaled via flood during Hurricane Milton. XXXX deemed my vehicle a total loss on XX/XX/XXXX and paid out {$24000.00}. There was a remaining balance including the cost of Vehicle Protection Plan ( extended warranty ), theft protection, and GAP Insurance purchased as part of my car deal. I have called nearly XXXX times to my lienholder Southeast Toyota Finance/ World Omni Bank for updates on the cancellation of my warranty and the use of my GAP insurance because they PROMISED me, they would take care of it, and I would not have to reach out. On Tuesday, XX/XX/XXXX I followed up for the last time with the lien holder. They told me they " reached out '' to the dealership to cancel and GAP on XX/XX/XXXX. I have expressed my concerns with paying for the loan numerous times with them because of the total loss and essentially begged them to help so I am not stuck making payments on a vehicle I no longer own, especially since I have GAP Insurance. I got in touch with the accounting department at XXXX XXXX of XXXX XXXX where I purchased the vehicle on XX/XX/XXXX after I spoke with the lienholder. They informed me they have received XXXX  communication from the lienholder about canceling the warranty. They also told me that it was MY responsibility to do so and that it could take XXXX weeks to cancel and refund the policy. I have since been able to start the cancellation process with the dealership. I have not been able to reach out to the GAP insurance yet to see if there is progress there, but I am intending on doing so by XX/XX/XXXX. I am extremely concerned this lienholder has somewhat fraudulent practices. It seems like am continuously told the wrong thing or even lies to get me off the phone. I feel like they are not doing their due diligence to resolve this issue.
Product: Mortgage

Loan # XXXX Specialized Loan Servicing, LLC ( Mortgage Collection Agency ) Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their persistent negligence, intentional deceit and unfair business practices ; via the following : 1. Unauthorized disclosures of private information to a third party, with a totally different and wrong address.

2. Failed and continued to fail in issuing and providing updated " Monthly Statement '' of Account for our Mortgage Loan.

3. Failed and continued to fail in issuing the required and mandated " Tax Documents '' for 2020 ; reporting the interest paid on the loan, even after multiple communications via mail, and phone calls.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling 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 un feasible. 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 transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

This is a complaint against Chase Bank Saphire Reserve Card. There was a credit of approximately {$3200.00} and also {$12.00} credited to my account on XX/XX/XXXX 2024.that showed on my XX/XX/scrub> 2024 card statement. I was not sure why or where it came from, I assumed I made a mistake on submitting a payment so overpaid. I let it set for many weeks and finally I contacted them and asked them to refund the amount of {$3200.00} to me. They did send me a check for {$3100.00} which I deposited into my XXXX XXXX checking account. I later checked my account balance on line and saw that I now had a charge of {$3200.00} on my account. I called the card company and asked why that had all happened and they could not fully explain why. I asked them since they sent me the {$3100.00} and then did a reversal and charged me {$3200.00}. I asked if I were expected to pay interest on that amount and they said yes. I said you somehow made a mistake and credited my account, then you sent me the money, then you reversed that process and charged my account {$3200.00} and want to charge me interest on that amount. All due to something that I appeared to have nothing to do with, and it was your internal problem that created the entire issue. 
I believe this is fraud or a very deceptive practice from the company, crediting a client with money, refunding it to them and then reversing the process and charging them extremely high interest rates on the reversal. A process like this on the end of the credit card company could potentially cost the consumers thousands if not millions of dollars in unexpected and unasked for credit charges. Not to mention the hours I have to personally spend on phone calls and conversations to figure out what happened, how to correct it and to file this complaint.
Product: Debt collection

I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!
Product: Debt collection

I pulled my credit report again on XX/XX/year> and seen that Security Credit Services has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693*g ) and 15 USC 1692 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT 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
Product: Credit reporting

I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity
Product: Student loan

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
DEPT OF ED / NELNET XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED / NELNET XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00}
Product: Checking or savings account

On XXXX XXXX I deposit a U.S. Goverment Check for {$1800.00} for social security backpay after this I asked the bank teller when will my funds be available she said right away then I made several transactions but not totaling {$1800.00} and one XXXX I received a direct deposit for {$520.00} for my SSI Deposit again I made several transactions but not totaling {$520.00}. I have tried and tried to notify this bank of this error but to no resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresss for these violations.
Product: Debt collection

In XXXX of 2018 I discontinued my Service with XXXX XXXX I paid off the final amount owed in XXXX of 2018. Today I received a collection notice from a company called Constar Financial Services claiming I owe XXXX XXXX  XXXX. I made the mistake of calling and talking to them and of course they only wanted was information. I then contacted XXXX XXXX who assured me I owe them nothing and they do not know of this company. 
The company claims to be Constar Financial Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX phone # XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) due to the continued reporting of inaccurate information on my credit report. Despite numerous disputes, XXXX has XXXX to correct or remove the erroneous details, which is negatively impacting my XXXX XXXX and misleading potential lenders. I have reached out multiple times to both XXXX XXXX XXXX credit bureaus to address this issue, but no resolution has been provided. This ongoing inaccuracy is causing me financial harm and restricting my ability to access new credit opportunities.
Product: Debt collection

On XX/XX/2021 & XX/XX/2021 Dynamic Recovery Solutions Llc Illegally obtained a copy of my credit report without my consent. I have also endured numerous harassing calls and threats from this company. I did not authorize any of this and I also demanded a cease and desist.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person using Zelle and didnt get it back. Zelle had no disclosures verbally or written