23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter. 

On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet! 

Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them. 

The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable. 


Thank you so much for your time and efforts on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$0.00} ; Chargeoff XXXX XXXX XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXXI XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$3300.00} ; XXXX XXXX XXXX {$7500.00} ; Collection XXXX XXXX  XXXX Balance {$140.00} ; XXXX XXXX XXXX Balance {$78.00} )
Product: Debt collection

There anre inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681i, 1681s-2, 1681e, and 1681c. After obtaining a copy of my credit report from your agency, I noticed errors related to closed accounts and charge-offs that are adversely affecting my credit score. writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal information by Superiour auto Inc., in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 
I became aware that my personal information, including [ specific details of the information disclosed ], was shared without my consent. As you are aware, 15 U.S.C. 6802 prohibits financial institutions from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless the consumer has been provided a clear and conspicuous disclosure of such sharing and has been given the opportunity to opt out. 

I did not receive any such notice, nor did I consent to the sharing of my personal information with any third parties. Therefore, I am requesting the following actions be taken immediately : 1. **Cease and Desist** : Immediately cease any further unauthorized disclosures of my nonpublic personal information. 
2. **Investigation** : Conduct a thorough investigation into the circumstances surrounding the unauthorized disclosure of my information. 
3. **Rectification** : Take appropriate measures to rectify any unauthorized disclosures that have already occurred. 
4. **Confirmation** : Provide written confirmation that these actions have been taken and that my nonpublic personal information will be safeguarded in accordance with 15 U.S.C. 6802. Please consider th
is letter a formal complaint and respond within the required timeframe of 30 days, as stipulated by applicable laws and regulations. 

If I do not receive a satisfactory resolution to this matter, I am prepared to escalate my complaint to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely,
Product: Checking or savings account

My account was closed by the bank on the XXXX it started the initial process in XXXX. A claim was opened the day after the initial closing begin. The claim is already been paid by the other party in question. US Bank is still saying they have to hold on to my friends until the claim is finalized. Upon speaking with the representative today I learned that the claim is already XXXX has already been taking care of by the third party involved. My funds are being held past the 7 to 10 day closure. Regardless of the fact that the claim is already been resolved. This is caused the financial hardship upon me and my family have reached out multiple times and regards to the closure of the account and to see if there is a way to expedite my funds to another bank account to no avail. I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and just recently today XX/XX/XXXX. Since the account closure was initiated on their end and the claim has been satisfied I feel that my rights have been violated. Not only did I not get any information about my account closure I was not aware of an account closure until I went to go use the funds on my debit card. I have no access to any funds as of the moment and in behind on rent due to this event. I have several pieces of documentation to provide evidence to this fact please reach out to me as soon as possible at XXXX XXXX or email me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

U S code 15 act 1681 XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company IC System which is reporting a collection previously report to my all three companies. So far They have reported this XX/XX/XXXX, XX/XX/XXXX and again today on XXXX ( XXXX ). I sent a certified letter on XX/XX/XXXX to this company explaining why this should not be reported and a counter offer. I have not heard back from them. When I attempt to visit their website they are asking me for personal information - DOB, SS #, etc and I feel i should able to contact them with the account number on the letter - XXXX amd reference number XXXX, without providing additional information. I bel ; eive the account was sold from collection agency to this one.
Product: Mortgage

M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.
Product: Debt collection

Agreed to send a stament or letter of deletion of debt collection from credit report after it was paid off in full on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Product: Bank account or service

Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.
Product: Money transfer, virtual currency, or money service

I would like to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Vehicle loan or lease

the reporting of account XXXX XXXXXXXX by Westlake Financial Services on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}.

Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).

I kindly request the following actions : Conduct a thorough investigation of the disputed account.

Provide documentation validating the accuracy of all reported details. 
Remove or correct any information that can not be substantiated as accurate and complete.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and inconsistencies on my credit report, as reported by your agencies. These inaccuracies are violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. And doing so, please delete all These account from my credit report Below are the accounts that require your immediate attention : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : [ XXXX ] Violation : Failure to Mark Account XXXX Disputed This account is currently under dispute, as indicated in my communication with the creditor. 
However, your reporting across the credit bureaus is inconsistent. Specifically : - XXXX has marked the account as disputed. 
- XXXX does not reflect the dispute status. 
- Equifax shows " Consumer disputes - reinvestigation in progress. '' I request that all bureaus delete this account to properly reflect the dispute status as required by the FCRA. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Inconsistent Reporting of Balance and Past Due Amounts This account shows different balances across the credit bureaus : - XXXX XXXX {$32000.00} - Experian : {$32000.00} - Equifax XXXX {$31000.00} These discrepancies are unacceptable and violate the FCRA XXXX requirement for accurate reporting. I request a full investigation into the correct balance amount and a Deletion across all credit bureaus. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Reporting of Unauthorized Services This account was the result of unauthorized services, as indicated in my consumer statement : " CONSUMER STATEMENT : THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. '' I request that this account be fully investigated and that your records be updated to accurately reflect the outcome of the investigation. The account should not be reported as a charge-off if it was opened fraudulently or without my consent. 
Action Requested : 1. Conduct a thorough investigation of each disputed account. 
XXXX. Delete the this account across all reporting agencies. 
XXXX. Provide me with a written confirmation of the updates made to my credit report. 
I trust you will handle this matter in compliance with your obligations under the FCRA. Please respond to my dispute within 30 days, as required by law. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Flagstar Bank is the mortgage servicer for one of our investment properties. They recently changed their policy and no longer accept payments from business checking bank accounts. As this is an investment property there are only business accounts associated with this property and now we are being forced to pay with a personal account and reimburse ourselves from the business account. This creates an undue burden to our CPA/Tax Accountant and in filing our taxes.
Product: Debt collection

This is a formal complaint against Phoenix Financial Service located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

Please reference CFPB Compaint : XXXX I have disputed incomplete and inaccurate information of my consumer report with Equifax for quite some time now. I have asked that this information either be fixed or deleted. After Equifax 's " investigations '' there is still inaccurate and incomplete information still being reported on my consumer report. At this point I am requesting that these accounts be deleted. I pulled a recent copy of my consumer report after their investigation and still see these errors on my report. Please remedy this issue ASAP.
Product: Credit card or prepaid card

A Synchrony Lowe 's account was opened in my name to make purchases over {$8000.00} dollars. I called Synchrony XX/XX/XXXX to report the fraud. They gave no follow-up but instead sent me the credit card in XX/XX/XXXX. 
I responded and disputed the card and charges. I asked them to tell me who has been using the card and review video of who made purchases. They stayed they would perform an investigation and let me know in writing the outcome. 

Today XXXX I received a letter from Synchrony stating the account is past due as of XX/XX/XXXX. 
They have made zero attempt to contact me or follow-up with any investigation they may have completed. 
I have not made a single purchase with this card, they are not making any effort here to correct this.
Product: Checking or savings account

Capital One Bank denied me access to my checking and savings 360 accounts yesterday without reason or explanation. An ATM transaction attempted last night at their branch drive-up was also rejected. The only contact I received was an email yesterday saying that they decided to close all my accounts on XX/XX/2021, and that I should " restrict account activity. '' The following was flagged to both accounts on the app : " Funds are currently not available for withdrawal. '' I contacted the XXXX number listed and advised the management team of the illegality of denying account holders access to their own money.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation } In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Windham continues to try to collect $ for a month if insurance that was not ever valid. XXXX ins. Canelled policy in XX/XX/XXXX & Windham keeps trying to collect for XX/XX/XXXX. XXXX even confirmed {$0.00} due in XX/XX/XXXX. All evidence available.
Product: Consumer Loan

Chrysler Capital has charged me a late fee for 3 months in a row even after I presented them cancelled checks showing that I made payment on time. Have written them about this and they have just ignored me. Will not be doing business with them again
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below 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: Debt collection

Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.