23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX. 
It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate? 

Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX  to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long. 

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Product: Vehicle loan or lease

Currently having a dispute with USAA with regards to the banking issues, and per the user agreement, no litigation can be filed before the arbitration process is completed. However, USAA is not willing to pay for any fees they owe in the arbitration, the arbitration process can not be continued, and USAA still demanding payment from me for an unknown amount. Before going to the court process, wish to resolve this matter with USAA on this platform.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied for a personal loan of {$9000.00} at 28.90 % APR by Prosper. I was instructed to submit a utility bill. I then submitted a internet bill which was mistakenly in XXXX instead of XXXX. My documents were denied and my account was closed sent to me by an automatic no-reply email with no explanation. I was not once called or emailed by a real human to explain to me why this happened. On XX/XX/2023 I called Prosper and was told I would be able to resubmit the internet bill and have my account reinstated. Throughout this time, I had kept calling and different agents kept telling me that there was nothing they could do and they had no idea who would be able to help me with this. Finally, an agent told me if I reapplied I would be able to approve a new loan. So I did exactly that but the Prosper website wouldn't let me accept the loan because I already had an account under a different email address. Early this week I called and the agent helping me told me they would email me with next steps on what to do. I have received nothing. Prosper is not allowing me to resubmit documents nor are they allowing me to submit a new loan request under the same hard inquiry on my report. At this point, I keep receiving automated emails about my new loan request that has been approved but I am not able to accept it because of my older account that was closed.
Product: Credit reporting or other personal consumer reports

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

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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: Credit reporting or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everthing In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consum reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit card or prepaid card

Starting XXXX XXXX  i ordered a toaster oven on amazon and returned it. they received it and shows that a credit is due and never got credited. i used my amazon credit card/synchrony bank and still not credited on either account amazon or synchrony. i have called, emailed, mailed, filed a dispute, gone online many times since XXXX, XXXX  to date and have been liied to over and over that it has been credited/fixed and nothing has been done. i paid all but the XXXX and closed the account, but still technically open and they keep charging me fees and interest totaling up to XXXX now. when an item is being disputed they can NOT keep charging interest and fees, its illegal. i have ran out of all sources and ideas in which to get this resolved. 
im a lender and i have many of my customers that also have the same issues with amazon and synchrony.

i have reported this to the XXXX  as well.

i have excellent credit and ill be XXXX  if it gets tarnished or sent to collections when i have proof it was returned and not credited, it shows it right on my amazon account, i have submitted so much proof and calls.
Product: Debt collection

Jeffereson Capital Services LLC is coming after me for a overdue phone bill that shouldve fallen off my credit report. Theyre reporting the wrong dates and are still coming after me after the debt shouldve fallen off. The amount owed is around XXXX usd. This happened years ago. This old debt shouldnt be on my credit report!
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted XXXX XXXXXXXX XXXX XXXX placed the call at XXXX, was transferred multiple times and talked to XXXX XXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.
Product: Money transfer, virtual currency, or money service

I tried to send money to my brother through XXXX to pay for the car note since it was the fastest way. This was my first time using XXXX through Wells Fargo and there was nothing stating that you couldn't get your money back if you sent it. The transaction was on the XXXX of XXXX. XXXX asked for my brother 's number and his first and last name ( XXXX XXXX  ) .Turns out my brother gave me the wrong number ( XXXX ) which I zelled the money to. My brothers number is XXXX. We realized it was the wrong number after the fact. We called on the XXXX since we thought XXXX had a wait time. We filed a claim and we didn't hear back until the XXXX. Wells Fargo stated that they couldn't do anything about it at all. I've tried contacting the person that my brother sent it to but got told that they didn't know what XXXX was. My question is why does wells Fargo and all the other big banks use XXXX if it's not secure. Wells Fargo didn't say that XXXX was said and done no matter what when I first pulled it up. Is there anything I can do to get my XXXX $ back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got many inquiries from unknown companies to show up on my credit report. I need them removed asap
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, XXXX, and Experian advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute and request the immediate removal of the fraudulent accounts that have appeared on my credit reports with Experian, XXXX, and XXXX. As a victim of identity theft, I am deeply concerned about the inaccurate information tarnishing my credit history and causing severe financial distress. 

Accounts Details : Experian : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} I must emphasize that I have never had any dealings with XXXX XXXX XXXX or any affiliated entity at any point in time, and the appearance of these accounts on my credit reports is entirely fraudulent. Here are some compelling reasons why it is impossible that I could have obtained a loan from the listed creditor during the specified period : 1.Geographical Impossibility : During the stated time frame, I was residing in a different state far from the location of XXXX XXXX XXXX. Any financial transactions would have been logistically infeasible. 

2.Financial Capacity : My financial records clearly show that I had no need for additional credit during that period. I was already engaged in a substantial mortgage commitment, making the acquisition of any new loans impractical. 

3.Thorough Records Maintenance : I have meticulously maintained my financial documents, and there is no evidence of any communication, application, or loan agreement with XXXX XXXX XXXX XXXX 

As a conscientious consumer, I promptly contacted the alleged creditor, XXXX XXXX XXXX, to address this matter. After an extensive investigation, they confirmed that these accounts are, indeed, the result of identity theft and not linked to any legitimate transaction initiated by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby request that you conduct a thorough investigation into these fraudulent accounts. I also expect full compliance with the rights afforded to me under the FCRA, including : -Verification of Accuracy : Ensure that the information reported is complete, accurate, and substantiated by reliable sources. 

-Prompt Investigation : Undertake a swift investigation into the disputed accounts and provide a detailed report of your findings within the legally mandated timeframe. 

-Deletion of Inaccurate Information : Remove the fraudulent accounts from my credit reports immediately upon the confirmation of their fraudulent nature. 

-Written Confirmation : Furnish me with a written statement of the actions taken to rectify this matter, including the deletion of the fraudulent accounts from my credit reports. 

Thank you for your attention to this matter. Please provide me with updates on the progress of your investigation at the earliest convenience. I look forward to the resolution of this distressing issue and the restoration of my credit integrity. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I got a refund from a merchant XX/XX/XXXX22 it was available them they took it back and overdrawn my account Today on XX/XX/XXXX2022 trying calling them keep getting the run around it
Product: Prepaid card

I tried to use an e-gift card on multiple occasions but I keep getting an error. I don't know what is going on. I've tried multiple online stores. I called Amex a while ago and told them of the problem but they keep telling me that particular store where I was trying to complete my purchase does not accept the card or I did not enter the security code. But I did enter it and it still did not go through. I would like a refund please. Amex told me there's nothing they can do but I need the card to use it for expenses. I am struggling financially due to my divorce.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the handling of disputes on the Zelle platform, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlighted significant issues with Zelles operations.

As a long-time user of Zelle, I have encountered discrepancies in my transactions and have attempted to resolve these issues with both my financial institution and Zelle customer support. Unfortunately, despite my efforts, my claims were not adequately investigated. I was informed by both my bank and Zelle that recovering the lost funds was impossible and that tracking the transactions in question was not feasible.

The CFPBs findings indicate that Zelle has not only failed to implement sufficient protections for consumers but has also allowed repeat offenders to exploit the platform, resulting in increased vulnerability for users, especially in cases of fraud and scams. This raises serious concerns regarding the adequacy of Zelles fraud prevention mechanisms and its commitment to safeguarding the interests of consumers.

Given these circumstances, I urge you to reconsider your approach to consumer protection and dispute resolution on the Zelle platform. It is essential that Zelle, in collaboration with financial institutions, provides more effective safeguards to prevent fraud, better investigates claims of wrongful transactions, and ensures that users have clear recourse in cases of financial loss.

I look forward to your response and hope that necessary steps will be taken to address these critical concerns.
Product: Debt collection

I have been receiving bills at my home address & phone calls on my personal cell phone number from some company called Transworld System Inc regarding a debt they claim I owe, I guess on behalf of XXXX XXXX or something? 
I have NO contract or obligation with this company. I sent them a letter on XXXX of XXXX, XXXX  requesting verification of debt owed, ( authentication and verification of debt claimed owed including but not limited to a securitization XXXX XXXX of all accounting, the original instrument with the authenticated signature of the debtor ) as well as the company 's XXXX XXXX I received NONE of these things. I got some soppy wet package from XXXX yesterday, XXXX XXXX, XXXX, in the mail which I reviewed. It was a bunch of credit card statements? I refused the package and am sending it back today, XXXX XXXX, XXXX, along with a second letter see both letters attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Product: Mortgage

Property Taxes in Escrow did not get paid to my village by the due date, NewRez assures they will automatically be paid and not to worry about it. I now am in the new tax year and they are still listed as unpaid and the money is still showing in my escrow account
Product: Checking or savings account

Wells Fargo has failed to properly process a check to my account due to back room processing errors. The first deposit was XX/XX/XXXX, XXXX # XXXX, {$8200.00}. The first time this Item was deposited it was placed in special handling envelope and hand keyed in leaving off the last number of the XXXX #. Rather than correcting this they returned the Item to me causing a {$550.00} over draft. They never notified me and I found out about this when trying to use my debit card and was denied. No problem sending a threatening email to immediately cover the over draft to my account. No attempt by Wells Fargo was made to correct or reprocess the check nor was there ever a problem with this item. They refused to provide me with any explanation except to say, " you will have to refer to the maker ''. through my research I was able to determine that Wells Fargo had never attempted to process this check. they refused to reprocess forcing me to have it replaced by the maker. That deposit was made on XX/XX/XXXX, XXXX # XXXX, {$8200.00}. At XXXX am, XX/XX/XXXX I received an email stating XXXX were being held until XX/XX/XXXX my account was again over drawn this time {$880.00} and items were returned. Again the threatening email to cover the XXXX item they paid. XXXX bank and the issuer verified that Wells Fargo had cashed the XX/XX/XXXX and XXXX paid the item on XX/XX/XXXX. Their back room processing told several stories, the item had a stop payment, the item was returned etc. none of which turned out to be true. All this happened at a Wells Fargo Branch and with a branch manager that was assigned to me to fix the first issue. I sent XXXX full hour at that office on the phone with XXXX XXXX both myself and their manager being transferred more time then I can count, simply asking them, both myself and the manager to issue a provisional credit. They refused even after confirming they knew they had the funds. In the end I was left holding the bag for not one mistake but two, told I would have wait as long as XX/XX/XXXX for resolution. I received an email at XXXX PM XX/XX/XXXX stating what I already knew they have confused the two deposit and think the new replacement check is XXXX with the Stop Payment. Again Their Branch Manager and myself confirmed the XXXX XXXX cleared and was paid on XX/XX/XXXX by XXXX bank!!
Product: Mortgage

Seneca Mortgage Servicing has misappropriated {$3200.00} from the escrow account attached to my home mortgage. On XX/XX/2015 they took a scheduled withdrawal of that amount to pay the scheduled property tax installment, which was indeed recorded as paid a week later on the county website. 22 days later, on XX/XX/XXXX, XXXX took another withdrawal of the same amount, creating an escrow deficit of XXXX. They have told me on the phone that this withdrawal was not sent to the tax agency but remains in Seneca 's control. It is easy to see the second withdrawal from my account on the attached activity listing from my mortgage account with them. When I demanded that they return the unauthorized withdrawal to my account immediately the replied that it would take two months tho " investigate '' the matter. It does n't take a genius to look at the statement of activity and see the duplicated withdrawal. Two months of " investigation '' time amounts to theft of my property with no promise of returning it. Since I am closing a refinance today I am forced to pay XXXX extra to pay off the existing mortgage, to cover the funds that were improperly withdrawn by Seneca. 
They are : Seneca Mortgage Servicing LLC XXXX XXXX
Product: Debt collection

I cancelled my XXXX XXXX service. I returned all equipment as requested by XXXX XXXX. I never received a final bill from XXXX XXXX. I moved about a year after cancelling the account. XXXX XXXX turned the outstanding final bill that I was never notified of. It was given to Allied Interstate LLC who never contacted me in reference to the bill. I found out about the bill after Allied Interstate put it on my redit report causing my score to decrease greatly. I am filing this complaint due to neither company contacting me about my unpaid final payment that I thought had been paid due to no contact or final bill from XXXX XXXX nor any contact from Allied Interstate