23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for Credit Acceptance Corp ( XXXX ) in fact the payments that I made where paid on time and in full. Please reinvestigate and provide proof including an audit trail. I am requesting this information within 30 days. The audit trail should include : The account file and original contract that has my signature : Statement of obligation, Deposit statement, Documentary evidence of file for the public and private side or the ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to Covid 19 Ive contact the company which is Bridgecrest to rectify the matter but to no avail.
Product: Debt collection

I sent a letter to Diversified Adjustment demanding proof of the original debt and application with my signature. I also provided them with documents regarding me being a victim of identity theft.
Product: Debt collection

This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA. 

As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. 

In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law.
Product: Money transfer, virtual currency, or money service

I 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 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 customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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

ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. Experian resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
Product: Debt collection

On numerous occasions for a year prior toXX/XX/2021, I have sent dispute letters to Account Resolutions Services a division of HRRG, LLC, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, collections agency, requesting they valid this debt with more than the falsified name, address, or amount owed of the original debtor. 
I requested their verify that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. And whether this debt is within the statute of limitations and how that was determined. 
Also I requested them to forward details about their authority to collect debt : whether they are licensed in my state and if so provide me the date of the license, name on the license, license number, the name, address, and telephone number of the state agency issuing the license. 
ARS refuse to provide with the requested information requested, delete the invalidate collection, or practice fair credit reporting to the three credit bureaus. They only continue to submit the the falsified verification of the original debtors name, address, amount owed, and the dated letterhead..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

Hello I am a victim of SSN fraud. Someone stole my social and is making fraudulent cash apps and now Im unable to make a Cash App account. My social is XXXX. Im asking cash app to remove my social from all of their database so I can make a account from me.
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 consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}
Product: Student loan

Navient directed me towards multiple deferments and forbearances and I believe that this was done in a misleading or disadvantageous way to me. Periods of deferment/forbearance include but are not limited to XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX I feel that there were better options that could have resulted in low payments instead of these excessive forbearances and deferments. This has come to light as I am applying for student loan forgiveness and was shocked to learn the number of months I had actually spent in deferment/forbearance, which do not count towards the 120 payments to get loan forgiveness, whereas if I had been steered towards income based repayment plans with payments as low as {$0.00} I would have been able to count many of these months towards the 120 payments. I feel that I was misled away from these types of payments and towards these excessively lengthy holds on payments. I also feel that it was not properly explained to me up until very recently, summer of XX/XX/XXXX, that any and all income based repayment plans are not meant to have the loan ever be paid off but rather forgiven instead.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX - XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with he platform. Despite using Zelle a numerous of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, while leaving users vulnerable to scams. 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

A company I own had a service provided by a vendor. That vendor had an unpaid bill from my company ( ~60 days ). The vendor made no attempt to reach us to resolve the matter and utilized the services of Ashton & Weinberg to attempt to collect their debt. When reached by XXXX XXXX of Ashton & Weinberg, on XX/XX/XXXX and notified of the uncollected invoice of the vendor, the payment was immediately made by our company ( same day XX/XX/XXXX ). At the same time, Ashton & Weinberg made a hard inquiry into my personal credit information, despite the fact that this debt was for a company that I am part owner of. I have made multiple attempts to reach via phone and email to the offices of Ashton & Weinberg to ask that they remove/revoke the inquiry into my personal credit file, with no response.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments o. An account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to Report consumer information to the best of their ability with maximum accuracy I have never bee late on payments for the account please investigate and provide report credit showing that thank
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 violate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 152 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I used my credit card to pay for a XXXX XXXX transaction ( sending money through XXXX XXXX ). I chose to pay with the credit card because in the payment option menu on XXXX XXXX the fee was less than if using a debit card or paying in person. However, the bank charged me a {$10.00} " Cash advance fee ''. I believed I was using credit. XXXX XXXX gave me no reason to believe this would be anything other than " Credit '' if I used my credit card. However, the bank processed it as a cash loan from my credit card. The bank also did not show what the " Transaction Fee '' was about on the statement ; I had to write to them to explain what it was. Because of that, I made the same mistake 3 times and kept paying XXXX XXXX with the credit card. They refunded the first fee but they refused to refund the other XXXX. This is the message they sent me ( this is only part of the full message ) : " XXXX, after review, I confirmed that the {$19.00} XXXX XXXX charge on XX/XX/2022 was a Chase fee and can not be refunded. 

In addition, I see that we already adjusted most fees associated with your XXXX XXXX. Although the XXXX transaction fees left was declined upon careful consideration. 

We know this may not be the outcome you were hoping for today. We hope you trust our decision and efforts in serving your financial needs. '' However, previously they sent this message ( this is only part of the full message ) : " Also, we have refunded the {$10.00} cash advance fee that posted on XX/XX/2022. You will see this adjustment on your next billing statement. 

On the other hand, the option to submit a refund request for the cash advance transaction fee for the {$19.00} XXXX XXXX charge that was made on XX/XX/2022 is not available as of this time since the transaction is still pending. Once the fee posts, kindly reply to this email or call the number on the back of your card and we will be able to submit a fee refund request. Kindly also note that this kind of requests will be subject for review and approval. '' These are some of the junk fees that are in the process of being outlawed, and the bank was warned by me that I would be complaining, but they believe they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request. 


XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/2020 around XXXX, I lost my home due to a house fire, and have been displaced from my home ever since. I finally received a check addressed to both my mortgage company and I, and I sent the check in the amount of {$310000.00} to my mortgage company, XXXX XXXX XXXX located in XXXX XXXX XXXX, Utah on XXXX by certified mail. This check was to be used to pay off the remaining balance of my mortgage from the home that burned down, and the mortgage company was supposed to send the rest of the funds back to me ( after paying off mortgage ) to go towards rebuilding my new home. 

After mailing the check, I contacted the company several times to make sure they had received the check, only to find out they could not locate the check, so I had to request a duplicate check from my insurance company. After receiving the duplicate check from my insurance company, I once again mailed the check in the amount of {$310000.00} to the mortgage company using a preaddressed XXXX enveloped addressed to XXXX XXXX XXXX, the claims department, and received confirmation the check was received on XXXX. 

I was told by the mortgage company they had to investigate and verify that the funds were good and that process was completed on XXXX. Funds were verified and remained in a secure escrow account. I was also told that it would take about 3-5 days to payoff the mortgage and to call back on XXXX to verify the mortgage was paid off. When I contacted the company on XXXX, I was then told they did not have a date when the mortgage would be paid off. Meanwhile, I am still displaced and being forced to pay for a mortgage out of pocket that should be paid off since XXXX, as well rebuilding my home out of pocket. Because the mortgage company lost the first check irresponsibly in XXXX, it has extended the process longer and has made it very difficult financially as I am trying to rebuild my new home.