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

Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider. 

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and XXXX never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for two XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : XXXX. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts. 
XXXX. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

I am being hounded to pay off a collections account that was already dealt with over 5 years ago. It is so far in the past that I don't understand how they were able to sell this account AGAIN. I already paid the original debtor, waited for it to disappear from my credit report, and now a new company is saying they own this debt, and it ravaged my credit score once again. This is outrageous and I need help getting this off of my record for good, so people stop buying this old settled debt. Thank you.
Product: Mortgage

On XX/XX/XXXX I received our new property tax stmt for XXXX. On that was the still due for the remaining XXXX property taxes. XXXX County Treasurer has added on more interest & penalties. Total still due for XXXX is XXXX We owe XXXX to date interest & penalties due is XXXX We are not liable to pay the interest & penalties. If this balance does not get paid XXXX County Treasurer will continue to add interest & penalties. 
XXXX has sent in payments in the amount of XXXX, but that will be returned until the correct amount is paid. It needs to be paid in full. 
I have called, sent in this complaint to cfpb and sent an email complaint to American Financial Res. 
This is worrisome and very stressful for me. I take pride in paying my bills on time and for the correct amount. 
Please get this taken care of, my next complaint will be to the attorney general & XXXX XXXX XXXX, Thank you
Product: Debt collection

I had a verbal agreement with XXXX XXXX XXXX in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my XXXX payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my XXXX payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my XXXX payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.
Product: Debt collection

XX/XX/2019 I received a phone call from a company named XXXX XXXX XXXX, who say that they are collecting on a debt from Chase. They told me that they would send me the paperwork for payment, which I did not receive. The morning of XX/XX/2019, they called me back. I informed them that something didn't feel right, and that I wanted to look into their company. I was put through to the individuals supervisor, who was rude and tried to discourage me from looking them up. When I got off the phone, I contacted Chase, and they informed me that they sold my debt to a collection agency named XXXX XXXX, which is no longer in business. I have tried to look up this XXXX online, and can not find anything but complaints of scam. I then received an email from the company, from someone I never spoke to, with forms for me to fill out. Attached are those forms, which I have not filled out. Since then, I have received another call and they left a voicemail telling me that the lawyer has stopped by the office, to drop off my files. The amount they say I owe is {$910.00}, but have settled for {$900.00}. I am afraid that the company is trying to scam me. What should I do?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : TransUnion. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as follows : TRANSUNION : XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ( original creditor : XXXX  XXXX XXXX ) ACCT # XXXX XXXX XXXX ( original creditor : XXXX  XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX ( original creditorXXXX  XXXX XXXX XXXX ) ACCT # XXXX XXXXXXXX  . ACCT # XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

As I was in review of my credit profile I noticed that there were inquiries that are not mine.
Product: Money transfer, virtual currency, or money service

Tried logging into my account today and noticed my account was restricted. The company never reached out to me regarding anything going on with my account. They just restricted it without warning. When I called to get information she couldnt tell me why and said I would have to find another service to use and transfer money.
Product: Money transfer, virtual currency, or money service

Paypal Stole my money. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Government of Canada is Corrupt and I need help. 
Services Stole and did not receive money after time elapsed in contract.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, one of our former tenants reached out and said he " accidentally '' sent some money over to us ( {$2000.00} ) through Zelle and asked if we could send it back to him. We first looked up Zelle 's policy to see if he could cancel the payment and then just keep our money. Zelle has it listed that transfers are not reversible. We felt safe sending him his money back since it wasn't our money and the payment couldn't be canceled. We had no idea that this individual filed a claim through their bank via Zelle. The only time we were notified that our Zelle account was impacted was on XX/XX/2024 when we received a letter from XXXX XXXX dated XX/XX/2024. We immediately called XXXX XXXX and asked about our Zelle account. It was only then that we were made aware of a claim made by someone else of fraud. The XXXX XXXX agent couldn't provide much details but only said that the transaction in question was for {$2000.00}. She did say that she saw we sent the money back to the person. She only gave us a claim number and said to keep it if we had any questions. We didn't hear anything else from XXXX XXXX or Zelle. On XX/XX/2024, we noticed a Zelle reversal credit taken out of our account. XXXX XXXX is pointing the finger at Zelle but I feel as if both companies have failed to protect our money. I was told to contact the individual who filed the claim but that person didn't authorize for money to be withdrawn from our account. It was someone from Zelle in partnership with XXXX XXXX. We did the right thing and sent the person back their funds as they requested, yet we are at a loss now and there is no urgency to rectify our {$2000.00} loss by XXXX XXXX or Zelle. We contacted XXXX XXXX on XX/XX/2024 bright and early in the morning because we can't directly contact Zelle and XXXX XXXX only sent a request to an investigator on XX/XX/2024. Today is XX/XX/2024 and no investigator has reached out to us to explain anything or provide more information. We feel like the business practices of both companies demonstrate that frivilous claims aren't thoroughly investigated. It doesn't matter if the other person filed the claim through their bank, as an agent pointed out, because we can't contact their bank or Zelle about this. Our only voice is through XXXX XXXX and so far they have been grossly negligent as far as I can tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Prepaid card

I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.
Product: Debt collection

I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.
Product: Debt collection

I dispute the ongoing presence of XXXX XXXX XXXX XXXX on my credit report, despite valid documentation and the bank 's verbal commitment for immediate removal. XXXX has already removed the account, highlighting a clear non-compliance with legal obligations on your part.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an account with XXXX XXXX XXXX for XXXX College that was a derogatory account on all three credit bureaus. I paid that account off and it was removed from the derogatory account listing on all three credit bureaus. After checking my XXXX XXXX score, however, Transunion had docked my score 48 points when all others raised my score 50 points. I called Transunion after a dispute  was filed and settled and they asked me to contact XXXX XXXX XXXX   and have them file the account as removed. XXXX XXXX XXXX told me it was filed as removed the first time and they no longer have access to the closed account. They stated that I should contact CFPB here to file a complaint on Transunion as the other reporting bureaus issued a credit for 50 points when Transunion docked me 48 points for removal of a derogatory account that affects my credit score dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint after directed harming to my person by this corporate named Experian which is one of The U.S. 3 major credit bureau.Experian in an act of revenge against my person and since I complained about their process of disputing a collection on my personal credit report, Experian put all kinds of computerized blocks ( experts knows what that means, I couldnt find a specific name to that sort of blocking someone while he/she typing in an online form to be submitted electronically ) to prevent me from adding a personal statement to my personal credit reports that showed a collection with XXXX XXXX XXXX as the original creditor. I spent hours to try add the statement after following the Experian website instructions on adding personal statement ( I have plenty of legal PDFs files to proof this waste of my time by Experian and their unethical business behavior ). I finally submitted my request to add a personal statement to my personal credit report by accepting whats shown in the attachements, however there were forced letters added to the name of the original creditor ( instead of XXXX XXXX XXXX, you can see in the attachement that Experian forced that to be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Experian targeting of my person that was demonstrated in that incident and many others that I have right to bring to court when I decide to do so after reviewing Experian detailed response to this complaint and I will not accept scripted or general statement from Experian to just show off that they responded to my complaint. I am expecting a detailed information about the unethical business behavior of Experian. I hope anyone from the U.S regulators who reads this formal complaint against Experian to please stop my sufferance with this credit bureau ( Experian ) that harmed my financials and denied my right to add a personal statement and other harms that regulators can contact me directly and I will provide all the necessary documentations of my claims to them. I hope that someone will stop Experians unethical business behavior that prove this compnany is not a U.S citizen corporate but a destroyer of U.S citizen. I demand my rights to be respected and fulfilled by Experian who denied them as described above. This formal complaint was Signed by me today XX/XX/2017  Respectfully, a U.S Citizen
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX RELIABLE CREDIT ASSC I XXXX, WA XXXX Debt Validation Request Dear reliable credit ASSC I, I am writing to request validation of the debt referenced in your correspondence dated XXXX XXXX regarding account number XXXX do not acknowledge this debt and am requesting detailed information as permitted under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. Proof that I owe this debt, including the original creditors name and the amount owed.

2. A detailed account history, showing all payments made and the outstanding balance.

3. A copy of the signed agreement or contract that proves I agreed to the debt. 
XXXX. Proof that your agency has the legal right to collect this debt, such as documentation of assignment or purchase of the debt. 

Per the FDCPA, I request that you cease all communication regarding this debt until you provide proper validation. If you can not validate this debt, I request that you remove it from my credit report and cease collection efforts. 

Please respond to this request in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported by [ XXXX XXXX XXXX to [ TransUnion Consumer Solutions ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

My Wells Fargo credit card was a promotional interest rate card ( deferred interest ) where no interest would be incurred if the balance was paid in full within 12 months. I missed the expiration date of the promotion period on the statement as it was on the second page of the statement. I understand from a question and answer segment on your website " Your credit card company must tell you the date by which you must pay off your balance to avoid being charged deferred interest. That information must appear on the front page of your bill. '' I was charged almost {$600.00} of interest at a 28 % annual rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRE ON MY CREDIT BUREAU OF XXXX  AND XXXX   DATE OF XX/XX/2018 NAME OF COMPANY CAP1/XX/XX/XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, XXXX I opened an account with SunTRust Bank with an offer in witch they offer me a reward of {$250.00}. The terms and conditions where : earn {$150.00} by depositing at least {$100.00} within 14 days of account opening and completing at least {$500.00} in Direct Deposit within 60 days of account opening. 
And earn an addition {$120.00} by continuing to maintaining at least {$500.00} in monthly direct deposits until XXXX XXXX XXXX. 

I did completed both requirements for the offer. I never got any reward from them. 
Since XXXX XXXX I been going to the branch where I opend the account and talking with the manager XXXX XXXX XXXX, phone number XXXX she has n't been able to get my reward. We submitted a complaint with Research contact center, and a lady call XXXX XXXX XXXX extension XXXX, call me on XXXX XXXX, XXXX and told me that they made a mistake and that i was supposed to get my {$250.00} reward in 4 weeks ( XXXX XXXX ). 
Today is XXXX XXXX, and I have n't received my reward, XXXX is not returning my calls. I do n't know what else to do! 
I really hope you can help me to get my rewards so I can close my account and never again doing business with SunTRust. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX