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

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA filed XX/XX/year> ( Ca Zelle failed to impl prevention mea consumer claim he CFPB 's law XXXX dequate fraud estigate over {$870.00} XXXX XXXX in documented fraud losses. Your ... claim of " insufficient facts '' directly mirrors XXXX the lawsuit 's allegations of systematically denying valid consumer complaints. Under XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received 28 phone calls from SST ( Systems and Services Technologies , Inc ) fromXXXX XXXX 2023 until now. From Monday XX/XX/ 2023 until today Saturday XX/XX/2023 I received 21 Phone calls. I have screen shots of the call log as evidence in my phone. I have answered and there is no one on their end that answers. The last time they did this as an attempt to collect ( which I have paid ) the employee was very professional and told me that they will stop attempting to call me. Well that was a blatant lie. I am usually on time with my payments however have fallen on some rough times which was explained previously. SST Maliciously calls and harasses those indebted to the company. I finally called back and told them to quit calling, I was filing a complaint with CFPB and that any further contact via phone I would file a lawsuit for harassment. They continue to call and block up my phone which I use to run my business. 

Call Logs : Monday XXXX XX/XX/ 2023 XXXX XXXX XXXX XXXX ( answered, no one on their end ) Tuesday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX Wednesday XXXX XX/XX/ 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXXXXXX Friday XXXX XX/XX/2023 XXXX XXXX ( declined call ) XXXX XXXX XXXX XXXX XXXX XXXX  ( declined call ) Saturday XXXXXXXX XXXX  XXXX ( answered, no one on their end )
Product: Mortgage

I did not receive my overage escrow check in the amount of {$900.00} that you said you sent XXXX on XX/XX/XXXX. I sold that property at that address in XX/XX/2019. I have not lived there for two years!. I have repeatedly provided my current address to PHH mortgage. Why are you not acknowledging my current address! My current address is attached. PHH mortgage look at the attachment that is my current address. Overnight my escrow check to my current address. This is my 4th complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Account name
COLUMBIA DEBT RECOVERY
Account number
XXXX

THIS CREDITOR IS IN VIOLATIONS OF MY RIGHTS  UNDER 15 USC 1692 CC
Product: Credit card

To Whom It May Concern, On XX/XX/year>, I visited the Banana Republic store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and encountered what I now understand to be a deeply misleading sales practice. 

During my visit, an employee informed me of a promotional credit card offer that included an additional percentage discount on top of the ongoing promotions and a XXXX 0 % APR financing period. Based on this assurance, I decided to take advantage of what seemed like an excellent opportunity. I made a significant purchase of over {$3000.00} worth of clothing, which, after discounts, totaled approximately {$1200.00}. 

However, to my dismay, when I reviewed my statement a month later, I discovered that interest had been charged to my account. Upon contacting the credit card issuer, I was informed that the 0 % APR promotion did not apply to my account, and they claimed there was nothing they could do to rectify the issue. 

This situation is unacceptable. I was clearly misled into opening the credit card based on the promise of XXXX 0 % APR, which was a key factor in my decision to make such a substantial purchase. Once I provided my personal information to open the account, I was effectively locked in, with no recourse to reverse the decision. 

The sales practices I encountered at your store appear to prioritize employee commissions over transparency and honesty. Such tactics not only harm customer trust but also reflect poorly on the integrity of the Banana Republic brand.
Product: Student loan

Im apart of the borrowers defense program. My loans were discharged due to the school closing. The loans were initially with Nelnet then sent to XXXX. I made monthly payments to the loans while they were held with XXXX. I qualified to have the loans consolidated with XXXX. Weeks after my loans became consolidated I received a letter stating I had no payments due because the borrowers defense program discharged my entire balance. I reached out to XXXX for a refund on my payments made and they told me the loans were consolidated so they couldnt give me my refund. This is not acceptable. I have proof of my payments made. A few colleagues of mine received a refund.
Product: Checking or savings account

My checking account with Citibank was forcefully closed by the fraud department. I have yet to receive a closeout check for my remaining balance. The account was closed in XX/XX/2024, it is now XX/XX/2024. What I am being told is that a check was sent to my home which I have not received. I have called numerous times to speak with a supervisor and I am told to visit a branch. I have visited 2 different branches and they both can not help me with a closeout check and tell me to contact customer service. My hard earned money has been frozen in this account for 4 months and I have not received a concrete answer to when I will receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX dollars i had in my bank account all i have to my name to feed my family and pay bills they closed my account i called even went to the branch refused to even tell me why
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. 

XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNKNOWN XXXX XX/XX/XXXX {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This started with an email offering me a work from home job and they would supply the computer, printer and the software required. This person started sending me e-checks starting on XX/XX/XXXX. I was instructed to deposit these into my checking via scanning checks into my account. I was then instructed to wire different amounts to individuals who were " setting up the computer, purchasing software, etc ''. I received 5 electronic checks over the course of 6 days again depositing them into my checking. I saw that my bank did n't process them overnight so I was transferring money from my savings account into my checking so that my wire transfers would not cause an overdraft. I first called my bank on Wednesday, XX/XX/XXXX asking why the delay in cashing the checks I deposited and was told they have up to 5 days to process them. On Friday XX/XX/XXXXI called the bank again and they finally told me that the checks that I deposited were counterfeit. By then my savings was empty and so was my checking account. The bank never called me and I got a letter in the mail about one check being rejected and then on Monday XX/XX/XXXX I got a letter about another check being rejected. This was too late. I am broke. I went to the bank on XX/XX/XXXX and they said there is nothing they can do. I feel like the bank should have called me as soon as they noticed anything out of the norm with these checks.
Product: Mortgage

Compass Bank in XXXX XXXX, CA has reported to all the major credit agencies that we have been delinquent on multiple occasions. The bank has admitted fault due to human error. Apparently, the funds were deposited into the incorrect accounts and automatic withdrawals could not be made, leading to late payments. Despite admitting these mistakes, the credit agencies have not been notified and my credit rating has been substantially impacted. Investigations are pending with all three agencies. The bank should be investigated for questionable standards and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inquiries and called customer service
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me
Product: Debt collection

About a month ago, I began receiving repeated emails, text messages and phone calls regarding a debt collection of a debt that I do not owe. It for the same company, XXXX XXXX XXXX, that started harrassing me last year under the name PLAZA, that I submitted a complaint about on XX/XX/year>. Now the company is calling itself XXXX XXXX. I don't owe this debt and I want the calls and messages to stop. I don't want any backlash on my credit report either. Cease and Desist immediately.
Product: Checking or savings account

I am a long time Navy Federal Credit Union member. I'm a also XXXX XXXX, a single  dad, and a former XXXX  business owner. Somehow either through the dark web or some other resource my information was leaked and used to make XXXX of thousands of dollars of purchases I did not make. I bought this to the attention of my bank and they claimed to do an investigation. They provided me no information and of course denied my claim. I then gave my tax documents proving I wasn't even in the U.S. at the time of these purchases. They credited my account about 4 % of what was taken then adjusted the account leaving me in debt with them. I have asked multiple times to be provided the information they used to investigate my claim and I've been told no every time. They've went as far as to say I would need a warrant from the police.
Product: Credit card or prepaid card

Paypal Credit XXXX XXXX In XX/XX/2021, I called Paypal Credit to request a change in my payment due date from the XXXX of the month to a date after the XXXX of the month. I changed from direct payment to a third party pooled trust company that wrote checks instead of paying by electronic methods. Mailing a check required too many steps and I would never be able to pay my bill by the XXXX of each month. For example : the XXXX XXXX XXXX withdrew funds from my bank on the XXXX to the XXXX of each month ; the account rep has to review the bill and then send it to another department for a check to be disbursed. The check is mailed by USPS. USPS has guaranteed by notice that mail delivery would be delayed. The end result is that payment may not arrive by the XXXX of the month or the XXXX or XXXX of the month. Paypal has refused to honor the promises of a due date change. I was promised the XXXX of the month. Id call back the next month because my request was not honored and a rep would request another due date offered to me. The bottom line is that payment due dates have ranged from XX/XX/2021 to the XXXX of each month beginning XXXX to XXXX. When I called to complain in XXXX that my request was not honored, I get a XXXX statement indicating XXXX XXXX as the due date. I was told my request of a date change could only be honored once a year. However, the problem is Paypal has never honored my request for any date after the XXXX of the month. Why would I want a XXXX of the month or XXXX of the month if the original due date prior to XXXX was the XXXX of the month due date? Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 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: Money transfer, virtual currency, or money service

As an XXXX I use XXXX to schedule clients and Square to receive payment. After a client paid with an XXXX that was on hold Square flagged the transaction as a dispute and subsequently used the next incoming transaction to cover the amount disputed. 

I have been using this system for about XXXX and I have never had a dispute. I attempted several times to resolve the dispute, but mobile aps don't give you 100 % access so I still had this dispute unresolved. Apparently the process for resolving disputes can be months and this has situations has cost me {$190.00} in dispute plus the {$190.00} ( which is the service fee for my next client ) for a total of {$380.00}. 

I did not receive any notification via email from Square to help resolve this dispute. I did receive a notification from Square and instruction to resolve that just lead my in a circle of confusion. I thought everything was cleared then I received another payment but instead of transferring it to my bank account they used it towards the first transaction that is on hold. 
As a service provided that makes no sense and is actually a liability that I can not afford. I will not take a loss of {$380.00} though, I expect those funds to be restored to my designated account and this dispute closed. I can be contacted by phone XXXX XXXX XXXX or email XXXX. 

I hope to hear from someone soon, and I'm incredibly disappointed and feel violated. I did nothing wrong but have to extorted out of {$400.00} from a provider I trust with my income transactions. Never again Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX  have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The National Credit Reporting Agencies have failed to adequately remedy or investigate the matter under equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. Equifax, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Capital One reported my account late for the month of XXXX. I spoke to the company in XXXX because I was having financial hardship at the time and asked for a sustainable solution on payment options. The company agreed to take out XXXX specific amounts from my checking account on specific dates as automatic payments. They did not and in turn once I realized it - I made a payment to bring the account up to date. They marked my account as late when in fact it was the companys error for not taking the funds as agreed. I want this taken off of my credit report as a missed payment. I have a perfect payment history in the last few years and this is causing me issues with obtaining any new credit.
Product: Debt collection

Received the debt collection notice from the CBE group Incorporated XXXX XXXX XXXX XXXX 

It states I owe XXXX {$3300.00} and I have not used XXXX and at least 15 years. Made some phone calls and I just get a runaround and they're asking me to purchase XXXX gift cards to be able to resolve this collection issue which to me sounds a bit off. I have not used XXXX I think this is 100 % fraudulent They gave me a reference number of XXXX XXXX XXXX
Product: Debt collection

I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed tNATIONWIDE CREDIT & CO ( Original Creditor : XXXX XXXXXXXX ) t reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern