23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

While in XXXX XXXXXXXX XXXX from XXXX to XXXX, I had my XXXX, drivers license and Wells Fargo debit card stolen. I believe they stole my XXXX  while it was unlocked as they were able to access online banking, XXXXXXXX XXXX XXXXXXXX and other applications in order to make several fraudulent charges. 
Once they had access to this information, they were also able to disable my find my XXXX, change my XXXX ID information which prevented me from remotely locating or accessing any of the information stored on the phone. I immediately contacted Wells Fargo and XXXX to report the cell phone stolen and to cancel my debit card. 
A week later on XXXX, I received a phone call from XXXXXXXX XXXX XXXX support in regards to suspicious activity. However, I do not own or have never inquired about opening an XXXXXXXX XXXX XXXX. I was informed that an XXXXXXXX XXXX XXXX had been opened in my name, however by filing the necessary paperwork I was able to get this Account closed. 

Wells Fargo continues to reject my additional information and claims around the fraudulent charges. Claim XXXX was opened and then disputed to the full amount of {$3300.00} as these transfers were made to an XXXX XXXX account that I have no access to. Claim XXXX was also opened and then disputed to the full amount of {$200.00} as this transfer was made to an XXXX XXXX account that I have no access to. 

Wells Fargo Credit Card Claim XXXX for XXXX Cash Advances and a total of {$2400.00}. Their rejection is now resulting in additional interest charges to my Credit Card account.
Product: Consumer Loan

On XX/XX/XXXX I purchase some furnitures from XXXX, they were offering 12 months same as cash financing, I take the offer and open an account with Comenity Bank, which is the finance company this store use. I did n't get most of my furniture till XX/XX/XXXX, I pick up about {$2000.00} worth of furniture within next few days, there is about {$4000.00} of furniture did n't get delivery till XX/XX/XXXX. I got charge for the interest due because I have not paid in full by XX/XX/XXXX, but the store told me when I purchase it, that the delivery will be on XXXX, which it did n't happen. I call the store and the Comenity bank, both refuse to help or waive the financing charge due to the delivery where postpone till XX/XX/XXXX. I only have about {$2300.00} left after I made many regular payment over the last 12 months. I was going to make the final payment on XX/XX/XXXX once my 12 months time is up. But according to Comenity bank they say the interest free is only good till XX/XX/XXXX, if I do n't paid by then I do get charge for the interest accrued for the full amount. I have attached the paper work to show the delivery date and the first month statement and most recent month. Please assist with this matter, I feel the retail store and the finance company should n't have charge me for product which I have not received. Thank you so much.
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 violates 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.
Product: Prepaid card

I have tried to spend a pre-paid American Express card on XXXX XXXX, on accounts to pay my utilities, car insurance, etc. It has not worked anywhere. It is advertised as working anywhere American Express is accepted, but it isn't. Had I known this, I would have never gotten the card. It is such deceptive advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. 
XXXX XXXX XXXX North Dakota.
Product: Debt collection

The debt was paid in full in XX/XX/2020. The collection agency still garnishing wages. I notified them that the debt the paid via certified mail and spoke to them several times by phone. Im still having my retirement garnish.
Product: Debt collection

Discover Financial Services failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement. 
They willfully committed fraud and identity theft by obtaining credit card statements to show as proof of a consumer contract. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Discover Financial Services, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself. 

Pursuant to 15 USC 1692 ( c ) ) ( b ) without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. Discover Financial Services via written communication addressed to me on XX/XX/2021, admittedly forwarded my personal information to a third-party company, which is a violation. 

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and, 15 USC 1692 ( e ) ) ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency. Discover Financial Services on XX/XX/2021, sent a written correspondence to me trying to obtain my personal information under the guise of an investigation by a credit bureau manager ; both instances are completely deceptive and violations by law. 

Pursuant to 15 USC 1692 ( f ) ) ( 8 ) a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram. Discover Financial Services repeatedly sent correspondences to me with their company logo on the front of every envelope, which is a complete violation of the FDCPA. 

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation by Discover Financial Services. 

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Discover Financial Services was violated when they shared my location & financial information with a third-party company. 

Discover Financial Services has made 14 violations while trying to collect this allege debt from me, and pursuant to 15 USC 1692 ( k ) ( A ) they are liable to me in the amount of {$14000.00} ; that is {$1000.00} for each of the 14 violations committed against.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : ONEMAIN XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} SUN LNS XXXX XXXX : {$630.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

I received an email from XXXX this morning XX/XX/21 stating I have a payment due in two days. However, I have not authorized nor have I applied for a loan with them. Nor have I received funds from them. 

I asked them to send me the load documents to verify its accuracy ; first rep told me to login to the account on the XXXX site to look at my documents as they do not email them. I can't login to an account that I have never created. They advised me to log a police report and send it to them to have the account closed. 

I contact a second rep, was advised they put in a request to have the documents emailed to me and could do nothing else. 

I called a third rep at XXXX, I asked him to verify when the loan was originated, for how much and with what bank? He stated it was created on XX/XX/21 for {$1300.00} with XXXX XXXX ending in XXXX. I have never banked with XXXX and have no accounts with them. Not my loan but whoever created it used my name, SS # and birthdate with their own bank. 

I have placed a fraud alert on my credit reporting agencies and in process of calling my bank.
Product: Credit reporting or other personal consumer reports

Details of the Account in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is invalid and should not be reported. The collection agencys inclusion of this account potentially violates HIPAA protections by improperly handling or disclosing medical information. 

Dispute History I have disputed this account in XXXX and XXXX with XXXX, XXXX, and Equifax. Only XXXX has handled the dispute properly by deleting the account from my credit report the first time it was disputed in XXXX. Both XXXX and Equifax, however, have marked the debt as verified without providing adequate documentation to substantiate their findings. I have disputed this several times over the past two years.

FCRA Violations The continued reporting of this invalid account and failure to provide proper verification constitutes a violation of the FCRA. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed information.

Section 611 ( a ) ( 6 ) ( B ) : After completing an investigation, the agencies must provide a written explanation of how the information was verified and the method of verification.

Section 609 ( a ) ( 1 ) : Consumers have the right to request and receive all information in their credit file, including the documentation used to verify disputed accounts.

Section 623 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate.

Section 623 ( b ) : Upon receiving notice of a dispute, data furnishers must investigate, correct any inaccuracies, and report the results to the credit reporting agencies. 

Requested Documentation for Verification If XXXX and Equifax intend to continue reporting this account, I demand the following verification documents : Proof of Debt Validation : -A copy of the original agreement or contract between myself and the original creditor.

-Any detailed statements, invoices, or payment records supporting the balance owed.

Verification Details : -A description of the steps taken to verify the debt.

-The name, contact information, and address of the original creditor or collection agency responsible for the verification.

Evidence of Compliance with HIPAA : -Confirmation that no sensitive or protected health information was disclosed or misused during the collection or reporting process.
Product: Student loan

I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX. 

The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information. 

Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made. 

While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program. 

I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of 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 unfeasible. 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.system, This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personally identifying information was compromised in the Equifax hack. I have already set a 90 day fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I have reached out to these organizations for more information and to pinpoint where these fraudulent items came about and they can not provide me information. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report and a copy of my current driver license with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Ok on XX/XX/ I received a auto message from Bank of America saying I had a balance inquery on my acct followed by a fraudulent withdraw of {$580.00} out of my acct. I live in XXXX XXXX CA and the withdraw says it took place in XXXX XXXX. I called BofA to close my acct and opened a claim that next morning ( employee # who helped XXXX ) only to receive a letter on XX/XX/XXXX saying my claim has already been closed. Which is telling me they didnt even investigate my claim. I just want someone to actually assist me with this fraud
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX several times about this issues the inquires on my credit from XXXX  XXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me
Product: Checking or savings account

I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back.