23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this company over four months ago ( XX/XX/XXXX ) when they initially contacted me about this issue. I explained to them at that time that this bill did not belong to me. They told me at that time that that their records indicate that it did belong to me. I told them I would not pay something that I didn't do. They said well we show records that it belongs to you. I asked them for some sort of proof that it belonged to me and they never provided it. I told them I'd be willing to settle ( EVENTHOUGH I NEVER USED THEIR SERVICE OR WENT TO THEIR DOCTOR ) and I'd call back once I got paid. When I called back they told me they never agreed to a settlement that the total amount was due. I then told them they are liars. They are only trying to get money out of people to then threaten them to put things on their credit and ruin their credit rating ( which has now happened to me ). I request that this company MEDICAL DATA SYSTEMS INC remove the debt from my credit report as this does not belong to me. And even though I was willing to pay moneys I didn't have and didn't need to to maintain my solid credit history, that they would still try to take advantage of me, is not right and should be against the law. Please help me resolve this issue.
Product: Debt collection

CFPB Dispute Letter Template for AR Resources INC Violations Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against AR Resources INC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Nature of the Complaint : AR Resources INC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Statute of Limitations Violation : AR Resources INC is attempting to collect a debt that is beyond the statute of limitations in the State of Florida, which is 5 years. I believe the debt originated on [ XX/XX/XXXX ] and is therefore time-barred from collection. 
- Failure to Provide Validation Information : AR Resources INC has not provided me with the validation information required under 12 CFR 1006.34 ( b ) ( XXXX ) before placing a collection on my credit report. This includes details about the debt, the original creditor, and the amount owed. 
- Denied Opportunity to Dispute : I have not been given a chance to dispute the account according to XXXX CFR XXXX ( c ) ( XXXX ) ( i ). I have not received a written notice of my right to dispute the debt within 30 days. 
- Deceptive and Misleading Practices : AR Resources INC is engaging in false, misleading, misrepresentation, and deceptive means to collect the debt. 
- Unauthorized Reporting : I believe AR Resources INC does not have the authority to furnish the account to consumer reporting agencies without providing all required disclosures. They are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( XXXX ) ( A ). 

Cease and Desist : I demand that AR Resources INC immediately cease and desist all attempts to collect this debt, remove any inaccurate information from my credit reports, and stop all communication with me. 

Requests : - Debt Validation : I request that AR Resources INC provide the written debt validation information required by law under 12 CFR 1006.34 ( b ) ( XXXX ). 
- Purchase Agreement : I request a copy of the purchase agreement between AR Resources INC and the original creditor. 
- License and Bond Verification : I request proof that AR Resources INC is licensed and bonded to collect debts in my state. 
- CFPB Investigation : I request that the CFPB investigate AR Resources INC 's practices and take appropriate action to enforce my rights under the FDCPA and other applicable laws. 

Communication Preferences : I revoke all rights for AR Resources INC to communicate with me through email, text, and calls. All future communication must be in writing and sent to the address above. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

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

Our identities and accounts were stolen because of improper security with Equifax. In XX/XX/XXXX they knew of the issue and did not report it until 2 months later.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have reached out to Chrysler capital in regards to passed due fees from years ago and Im disputing those due to me not having enough information as to why I owe that. Not only that but the interest rate is very high.
Product: Credit reporting or other personal consumer reports

WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UNAUTHORIZED INQUIRIES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX GUARANTEED RATE I. 
Not Authorized : Phone App .... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX GUARANTEED RATE I Not Authorized : Phone App ..... 

XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Not Authorized : soft inquiry was supposed to be conducted ..... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  Not Authorized : soft inquiry was supposed to be conducted ......
Product: Student loan

XX/XX/XXXX, I sent two checks to XXXX, OR to pay the student loan off in FULL. The checks were received the following day ( XX/XX/XXXX ) and cashed/deposited on XX/XX/XXXX. 

The checks never posted to my account. I called several times and spoke to several people. 

XXXXOne of the checks posted to my account but it should have been two checks because I was paying off the loan in full. It totaled over XXXX XXXX. 

No one can give me answers as to where the other money is and I am afraid that if this is delayed, it could possibly affect my credit.

I have attached the front and back copies of where the checks have been deposited or cashed.

My name and the Nelnet account was placed on the front of both checks that were made out to the Department of Education.

Any assistance that could be provided would be of great help.

I have good credit scores and I do not want them to be adversely affected.
Product: Checking or savings account

On XX/XX/XXXX, I was the victim of a XXXX scam that stole XXXX  from my savings account. The scammers were posing as Bank of America notifying me that I had been a victim of fraud. It's important to note that the fraudulent charges they claimed were there did actually appear on my account. They then instructed me to XXXX money to myself ( this was the scam ) and that it would reappear in my account. 
A week later, I noticed the money was still missing, so I got in contact with Bank of America and was told to come into my nearest branch. I made an appointment for XX/XX/XXXX and this is when I was told that the initial call was fraudulent and was the actual scam. My local branch filed a fraud claim on my behalf, and I was notified today, XX/XX/XXXX, that they are unable to refund the money that was stolen from me. I'm unsure where to escalate this to next but would appreciate your help. 

Thank you
Product: Credit card

I opened a credit card dispute, chase contacted merchant, merchant responded, and chased asked me for more information. I provided that information by XX/XX/XXXX deadline and chase decided not to pursue the chargeback and denied the claim on or around XX/XX/XXXX. I promptly contacted chase on XX/XX/XXXX to reopen the dispute or ask for arbitration. However the agent on phone someone named XXXX denied it and said that dispute can not be reopened. This was crazy she insisted, there is nothing chase can do. This was a lie. I later talked to dispute supervisor, XXXX, who also told the same thing I believe Chase is systematically refusing to reopen dispute when its closed in merchant favor. Denying customers rights. This has happened before. 

Chase is either lying or misleading customers I know the dispute process. Chase is not following it or letting customers know their rights I was finally able to get dispute reopened by speaking to another agent about my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened 2 credit card accounts with Bank of America as Ive been an existing customer for quite some time, i opened the accounts as i needed the funds for specific reasons. I have never been late on an existing or new account and have been ALL my bills on time. However the bank did a periodic credit investigation and found i charged too much and and balance was too high. I wouldnt have opened the line of credit if i didnt need it. However rather than look at my payment history or allow time to pay down the balance they closed all of my accounts causing my score to significantly drop to where i can not apply for credit. 
I understand rules but i can not understand how such a large establishment can cause such egregious harm to a consumer. 
This has caused unneccessary hardship!
Product: Credit card

Purchased back in XXXX XXXX expensive watch for my wife in XXXX store in XXXX XXXX. 
I was offered credit promotional credit card 24 month free interest. 
Opened account and since then keep receiving statements with interest charged. 
Called XXXX  numerous time. Even opened dispute case. 
Nothing happened. 
Still getting statements with interest charged.
Product: Mortgage

For about a year, auto payments and full extra payments were sent to our second mortgage. I spoke with XXXX at Wells Fargo Home Mortgage today - XX/XX/year> - about having my overpayments refunded to me. She was only willing to refund 3 of the 9 months of overpayments to my account and stated the rest of the overpayments were too old and had been sent to the mortgage owners to invest because they were over 60 days old. Not only are they withholding my payments from being applied to my loan balance, as well as refusing to refund me the extra money, they are making money off of my overpayments that I at least expected would be applied to my balance. 

I called and requested a refund about 6 months ago and was told the same information. I also asked if I could pause my auto pays but was told I could only do that for a couple of months and that if I stopped them any longer, I would have to resubmit all the paperwork and a new voided check AGAIN to re-start auto pay. I don't have checks anymore and I don't know anyone who does. They are deliberately making things harder for me to get my money or a credit to my principal balance. I would be happy with one or the other but instead they are holding on to my money and THEY are making money off of it.
Product: Credit card

The Citibank card I have has ahigh fee of {$590.00} and credit limit of {$5000.00}. The payment is due on XX/XX/XXXX of each month and I signed up for autopayment. Every month, whatever balance is paid in full and the money would be taken out of my Citibank account by the XXXX of the month. And a new statement would be generated showing that payment was made and there's a new revolving credit. Then, last month or the month before, I had to call in because while payment was made, the revolving credit was not increased and I can't use the card. I specifically asked the agent to put a note to not flag the account. The agent gave me some vague excuse that there's a payment hold. So the same happened this time. I called in and then was transferred to XXXX, supervisor. She said the same excuse, that there's a hold and that they need to call and verify, but that the departement is closed. so I'd have to call back or what not. She wont put a note that Citibank would automatically call and release the hold. So it would be me calling back or their call back is 48hrs. I asked to cancel the card and she said it's outside of the 90 day window. I would not know about another hold until today. The XXXX statmennt already shows that money has been taken out of my account 5 days ago on XX/XX/XXXX and today, I can't use the card to make a large purchase of more than {$600.00}. This seems to be systemtematic with Citibank. I would like to cancel the card and get my membership fee back.
Product: Debt collection

Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. 

Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on my credit report.
Product: Vehicle loan or lease

Pre Approved for an auto loan via XXXX XXXX for Carvana. Per XXXX XXXX my APR would be 8-9 %. However, Carvana advised my credit score was XXXX and financing would be a be slightly over 11 %. I reached out to them and said that seemed high for my score as well as shared XXXX XXXX rate that was given and was told there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent another dispute to the bureau regarding an account ( XXXX XXXX XXXX  XXXX ) on my report that has many inconsistencies. I also demanded that they validate the account but they didn't do it. I haven't received any documents that shows that the creditor validated the account to me and I haven't received any response to my dispute at all. While waiting for the results of the investigation along with the validation of the account, it has been well over 45 days, so they are now in violation of that also. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate account and all the discrepencies, the letter I sent for no response to my dispute letters. I will be forced to file with the FTC if this inaccurate account doesn't get deleted.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns about how Zelle has handled disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times and reporting any 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 infeasible. The CFPBs 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

XXXX tracking # XXXX XXXX XXXX XXXX XXXX Experian tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : XXXX XXXX
Product: Credit card or prepaid card

Background : Received statements with fraudulent charges- XXXX. I have worked for months to resolve this problem which was compounded by BoA refusal to speak with me or acknowledge POA. I was unable to get anything done until I made numerous complaints to cfpb. 
What is currently going on : I am still receiving fraudulent charges monthly on my father 's account. I challenged the XXXX XXXX pass and after complaining to cfpb it was finally removed. 
Just received the XXXX statement with a XXXX " XXXX XXXX '' charge on it, again fraudulent. 
I have asked, and asked, and asked BoA to take care of these fraudulent XXXX charges. This has been going on since XX/XX/2022. 
I am still receiving my dad 's charge card statements with XXXX charges! He does not use XXXX! 
I can not resolve this problem by getting a new credit card number because when my father and I both called BoA, it was probably XXXX, ( after BoA previously since XX/XX/XXXX refusing for over 30 days to acknowledge my POA and refusing to help me ) we were told that he has a POA and thus is not allowed to get a new card with a new number! So, we elected to keep the old card so he would at least have a card. We were also told by the customer service rep " why did it take you so long to report the fraud? '' So here it is, almost XXXX, and I am still trying to get this fraud that started in XXXX stopped. I can not seem to get anything done and I just don't have time for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Delete this non Metro to compliant account because of FCRA regulations violations pursuant to 15U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation
Product: Debt collection

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit repor
Product: Credit reporting or other personal consumer reports

I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. 

XXXX XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor