23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I would like 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/2020 - Americollect has been calling to collect an amount {$1300.00} owed to a medical Provider. I called my health insurance and the insurance reprocessed this bill and settled this with the Provider. 
XXXX XXXX I have verified with the Provider billing company that the Insurance has paid and this debt was resolved. I have asked the Provider billing company to inform Americollect about this and they assured me they will.

XX/XX/2020 - Americollect again has been calling to collect the same debt, now in the amount {$410.00}. 
XXXX XXXX I have spoken to a representative of Americollect and when I told her that I will verify this amount to the Provider, she vehemently told me that " I should NOT call the Provider because the account is now with them ''. She indicated with intimidation that the Provider will not handle this and I should only settle this amount with them. When I told her that I will nevertheless call the Provider, she hinted that this will be reported to credit agencies. 
XXXX XX/XX/2020 - I did call the Provider billing company and was told that this debt was resolved, with XXXX balance and that they will inform Americollect. 
XXXX XXXX - I called Americollect and spoke to a XXXX. She told me to prove to them that this was paid by giving them the check number of the insurance payment. When I ask her if there is a process for them to verify this with the Provider, their client, she said the burden of proof is on me.

Americollect is aggressively collecting medical debt thru intimidation and REFUSED to verify with their client the debt they are collecting.
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. 

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 XXXXXXXX. 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit card

hi my name is XXXX I am using a Macy 's store credit card. since XX/XX/2023 all my payments are not going through. 
the result is devastating : late fees have been applied, my credit score went down and my stress is way too high. 
I contacted both companies macy 's and my bank XXXX XXXXXXXX. all they say : everything is fine. 
in fact Macy 's is accusing XXXX XXXXXXXX for not processing the payment or me for not having anough balance. I have check and made sure is fine but when I check my statement, I have different mention stating payment reversal or return check. 
when I contact XXXX XXXXXXXX they say evening is fine. 
in the mean time I have money in my bank account which is not process and they keep adding late fees after late fees please I really need your help even sueing them if necessary thanks for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

amount of XXXX from enhanced recovery co. has put a collection amount on my credit report and it was never validated. i reached out to this company a year ago and it still shows on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my Experian, XXXX and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my Experian, XXXX and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with Experian, XXXX and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my Experian, XXXX and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX * XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX Experian, XXXX and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.
Product: Debt collection

I received a collection letter from CBE Group in XX/XX/XXXX for a debt of {$3800.00} through XXXX XXXX. I sent a letter back to CBE Group explaining that I have been having problems with identity theft since XX/XX/XXXX and that this is not my debt. In XX/XX/XXXX I received another letter from CBE Group with a statement from XXXX XXXX showing the account the debt is associated with. This is not my debt. I have never had a XXXX XXXX account. I live in XXXX  and this debt seems to originate in XXXX I've never even been to XXXX. I will also be filing a police report regarding this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}
Product: Credit card or prepaid card

I have had a XXXX through Barclays for approximately 15 years. My wife got a second card on the account for her use. On or about XX/XX/XXXX, she was notified her card was being used to purchase a computer. She notified XXXX through whom the computer was being purchased and XXXX indicating it was not her making the purchase. They said they canceled the purchase. Unfortunately, it was sent out the following day. Some imposter received the computer in XXXX SC. We fought with them about the fact it was fraudulent. XXXX had sold a computer at my wife 's expense. XXXX was receiving monies for providing the money to pay for the computer. Eventually, XXXX deduced it was in fact fraud. They took the computer off her bill and notified her they had taken it off of her bill. 

In the interim, XXXX had transferred the fraudulent computer purchase to my card in XXXX. I refused to pay it because it was not only a fraudulent purchase, it was not made with my card. XXXX would not take the computer off of my card. I refused to pay it. I attempted to contact them. They disregarded me. They hung up on me. They transferred me directly to collections so they could continue attempting to extort me with the purchase THEY had put on my card. 

I was attempting to purchase a building to be my office due to the sale of the place I rent. I attempted to borrow {$64000.00} on a {$100000.00} house. The XXXX XXXX of the bank called me to tell me I had been refused financing because my XXXX XXXX was XXXX. It had been XXXX. Thus, I was unable to get my building due to the defamation of the credit card company. 

They finally took the fraudulent purchase off my card in XXXX. They did not take the interest off. They did not take the fees associated with not paying for the fraudulently purchased computer. Now, they have canceled my card ( I only learned that due to my call to the credit card company again today. ). They have refused to make the situation right and I have been crippled by a fraudulent purchase they have put on my card! They knew it was fraud yet put it on my card. Essentially, XXXX made a fraudulent purchase of a computer on my credit card. That is a breach of their fiduciary duty to me. That is a fraudulent purchase. That is defamation. That is blackmail/extortion ( putting fees on my card and forcing me to pay them or get crushed by my credit report. PLEASE HELP ME!
Product: Mortgage

PER THE TRUTH IN LENDING STATEMENT. THE CALCULATIONS THAT WERE DONE ARE INCORRECT AND ARE NOT ADDING UP. THE APR IS UNDERSTATED AND THE FINANCE CHARGE IS UNDERSTATED AS WELL. THE CONTRACT IS NOT ACCURATE AS PER THE TIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has failed to report all of my paid auto loan accounts from ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I previously contacted each of them like the Equifax representative told me to and have them to report the information again, at which they obliged. I check my report months later only to discover again Equifax is the only bureau not reporting the information. I recently applied for an auto loan with a local dealer and was turned down by many lenders whom ran an Equifax credit report where there are no paid auto loans present, and multiple inquiries obtained along the way. I spoke with Equifax today and they refused to correct any of the above mentioned issues. They instead insist I file an identity theft report which has nothing to do with this issue and furthermore appears to be lying in order for them to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and consumer. EXPERIAN has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EXPERIAN violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything 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 supposed to modify accounts that aren't reporting correctly. 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

XXXX XXXX XXXX contacted me regarding a debt owed to the XXXX XXXX XXXX, i paid of the debt in XXXXXXXX XXXX XXXX On XXXX XXXX XXXX 4 months later, i get served with a summons for collection action for the debt. On XXXX XXXX XXXX i contacted XXXX XXXX XXXX attorney XXXX XXXX who confirmed in an email that the debt is paid and my account is closed. Then on XXXX XXXX XXXX, i get an email at work, threatening me with collection action from XXXX XXXX XXXX if i do not pay this debt. They are harassing me to continue collecting on a debt that has been paid off! I keep asking them to stop harassing me at work and at home because i do not owe anything but they will not stop!
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and TransUnion have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 


Subject : Final Notice : Immediate Deletion of Inaccurate Information or Legal Action To Whom It May Concern, This letter serves as my final notice and demand for the immediate deletion of inaccurate Information from my credit report. Despite my previous attempts to resolve these issues in good faith, your continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ) has left me with no choice but to take aggressive action. 

I have previously sent dispute letters on XX/XX/year> and XX/XX/year>, requesting the removal of the following inaccurate information : XXXX. XXXX - XXXX - {$3600.00} XXXX. XXXX - XXXX - {$5600.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$17000.00} To date, you have failed to adequately investigate these disputes or provide any substantiated evidence that supports the accuracy of this information. Your inaction and disregard for my rights under the FCRA are not only unacceptable but also illegal. 


If you do not immediately delete the disputed information listed above from my credit report, I will be left with no option but to file a lawsuit against your organization for willful noncompliance with federal law. This will include claims for : 14. Violation of the Fair Credit Reporting Act.

15. Defamation of character due to the reporting of false information.

16. Damages for the financial and emotional distress caused by your negligence.

I demand a written confirmation that the erroneous information has been permanently removed from my credit report within 15 days of receipt of this letter. Failure to do so will result in my immediate commencement of legal proceedings.

Please be advised that I will also be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I will seek compensation for all legal fees, costs, and damages incurred as a result of your noncompliance.

This is not a request but a final demand for immediate action. You have an obligation to ensure the accuracy of the information you report. I trust you will take this matter seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Product: Debt collection

I had been a customer of XXXX for over a decade in the City of XXXX. After raising my rate from {$60.00} per month to over {$120.00} per month I decided to look elsewhere for a cheaper product as I was only using their internet service. 
I called in XXXX XXXX  to cancel my service as I was able to find cheaper service thru XXXX. The representative never mentioned any final charges and when my final bill came it showed a {$200.00} deactivation fee. I called several times from XXXX thru XXXX XXXX  to ask about it and request assistance in removing it as I never signed or agreed to a deactivation fee. 
XXXX would not budge and sent it to a collection agency in XXXX XXXX. I requested more information from the collection agency and they closed my file and issued a letter in XXXX XXXX  indicating that they were not going to pursue the collection. 
To my surprise in XX/XX/XXXX  a company called CCS sent me a letter indicating that they were collecting the debt. 
I requested more information from CCS in XXXX XXXX  and on XX/XX/XXXX, which has not yet provided. All they sent me was a copy of my final bill showing the charges, but nothing showing their cancellation policy or any signed agreements. 
Can you please assist me as I do not believe I am responsible for the {$200.00} deactivation fee as XXXX was not able to offer me a lower rate, and their representative never notified me of the cancellation charge upon cancelling.
Product: Money transfer, virtual currency, or money service

Hello, this happened XX/XX/2020 for {$100.00}. 
This was a transaction through pay pal. 

I was making a transaction with this guy over discord. This was about BTC which he seemed promising, to where he even provided vouchers saying that hes a valued seller. As time went by he started getting less patient with the time we had to wait for the transaction to happen. This started to seem sketch but the gullible person Iam I just went along with it. Next thing I know as soon as the money gets into his account he blocks me ... I then took this up with pay pal. Pay pal tells me that they cant help me in any way due to the fact it was sent over as family and friends. ( This guy that was selling me BTC said how it doesnt matter if I put family and friends, itll go through faster. ) I have proof that this guy just took my money and ran off and I believe with that information pay pal should most definitely help in some way with that information. The conversation was lengthy as he tried to keep me occupied but if more photos are needed I will gladly provide them!
Product: Debt collection

They keep calling me over and over again about some type of debt with XXXX XXXX. I don't remember much else. They called me when I was nearly asleep early in the morning.
Product: Vehicle loan or lease

I called Capital One Auto Finance Company on XXXX XXXX XXXX  and requested a payment due date to be changed to the XXXX of every month the representative told me he would put in the request and the change would be made after my payment for the month of XXXX cleared he assured me while I waited on the line that he was changing the due date and he came back on the line and stated it was processed On XX/XX/XXXX I checked my account online it stated that I was 30 days past due for the auto loan I immediately called Capital one and asked how it was 30 days late the lady advised me that she didn't see a request for a change and there was nothing she could do but help me put in another request I then asked to speak to a manager but to no avail nobody could help me with the issue they just kept on saying to dispute this 30 day late with all 3 major credit bureaus but nobody wanted to correct the error that Capital one made all conversations are recorded if they could please investigate my previous calls so they would see that the customer service rep didn't honor or input my request that was made the previous month it was like I was talking to a brick wall and I couldn't barely even understand them as it was I think they were of XXXX decent however I finally spoke with someone else who put in another due date change but that still doesn't fix the issue of me having a 30 day late because some one at Capital one didn't do there job I don't think this is professional are fair just to be blown off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I tried getting my free credit report. However, they were unable to provide it. Instead, Transunion directed me to 'verify ' my identity which included putting my credit card in. They charged me {$25.00} and {$30.00} subsequently without notifying me. I still do not have my credit score.