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

My wife received an unsolicited USbank " ReliaCard '' debit card in yesterday 's ( XX/XX/21 ) mail. We have never had an account at USbank, ever. There is some information on the internet about this being part of some scam. Unfortunately, there is NO WAY to contact USBank. I have tried the XXXX number on the card and the automated system warned that I was th 482nd person in line to speak to a human. I went on line and found where I could activate the card, there was NO WAY to de-activate the card and was pointed to the same sham of a customer support number. Bottom line, and this is confirmed by other 's comments on the internet, is that there is NO WAY TO CONTACT USBANK! 

We even followed the instructions to set up both their mobile and on-line account programs in hopes of finding some way to contact them about this problem. Sure enough, her account with a {$0.00} balance got activated. I repeat - my wife has NEVER had or ever applied for any type of account at USbank. 

# USbank fraud # USbank ReliaCard fraud # USbank customer support is non existent
Product: Debt collection

My ex husband must have given capital one my number and they are calling me multiple times a day even after I told them to stop. I have never had credit cards with my ex. They claim he would have to be the one to remove my number from their database. We have been divorced over 10 years and not in contact. 

They have been calling me repeatedly for about 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX because my credit score was  negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX   about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$290.00}
Product: Debt collection

On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Product: Debt collection

I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.
Product: Debt collection

Below is my best recollection - - - not sure exactly how many calls but this is the idea. 
The company is AIH Receivables , Inc. - they were calling me to collect payment for an account with XXXX XXXX XXXX XXXX XXXX. 

First call - in XX/XX/2018 - They called and were very nice. I told them that I was not aware of this bill and to please give me a chance to find out more. They said yes and theat they would call me back in a week or so. 
Second Call - yes this is my bill and I can pay {$25.00} per month. They said that they needed at least {$100.00}. I told them that I could not pay that amount but give me a few days to check and see what I could do. 
Third Call - early XX/XX/2018 - I explained that the best I could do was {$25.00} per month for now and that hopefully after the first of the year I could increase the amount. The lady - same lady on all three calls - became hostile and started asking random questions - did I own my home, how many people lived in my home and other things that I do not remember and other questions that I did not understand to be relevant to this conversation. I asked her to wait, hold up, please stop for a minute so that we could talk, so that I could understand where she was going with these questions, but she would not! She kept talking, questioning me, the tone was hostile, she became loud and the questions kept coming. It was like she was mad at me! I had to hang up because she would not stop! 
Fourth call - late XX/XX/2018 - another woman called - and the overall conversation was that I was not doing XXXX XXXX XXXX any favors by giving them {$25.00} a month and that I owed them the full amount now! It was a different amount from the amount that the first lady gave me and she would not explain to me why the amounts differed. She asked who was XXXX XXXX. ( his name was on the account as it is his medical bill and he is XXXX by the way )? I told her that he was my son ( I am his legal guardian and biologically his great aunt ). She said then they needed his father 's name so that they could GO AFTER him for the payment! She also asked if I worked for XXXX XXXX I told her that company closed several years ago, I did use to own that company and why do you need that information? She would not tell me why, she just kept asking questions. I told her that I was not going to answer any questions not relative to this bill and she said that was OK because they would be getting their money from me by any means possible. I told her that I could at least be making some payments, putting some money on the account. They said that was not what they needed. They needed the full amount paid to them now!
Product: Student loan

So I make additional payments to my student loan, to additional my automatic payments. I called customer service to have them reapply the my extra payments to principal only. I was informed there is not much a thing. I spoke to a manager, and inquired in why I ca n't apply my extra payments to principal only. He started you ca n't do that for any loans. I asked him if this in my contract ( which it 's not ), and his response was your monthly payment will be applied interest then principal. I informed him this is not my monthly payment, and asked him to provide me with a copy of my contract. 2 months later still no contract, and I called and was informed it was sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, & TransUnion regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. XXXX, XXXX, & TransUnion are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer All documents required by law are attached to this complai
nt.
Product: Debt collection

I have problems with Equifax I removing old accounts on my credit report and each time they say oh you want to dispute and XXXX days later it comes back they said no its not your account from the Credit company and theres hard inquiries thats on my report that are not mine they refused to remove them and they refused my disputes
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I applied for a Discover IT prepaid card to establish credit. ( Prepaid ) this shouldn't have shown as a hard inquiry on my credit report! This shows multiple times as a hard inquiry on my report. I was mislead and misinformed that applying for a secured pre paid credit account should show as if I applied for a Discover card. I need these hard inquiries off my credit report
Product: Debt or credit management

I originally initiated assistance from Briteside Solutions because of a financial hardship experienced, and my enable to timely pay an installment loan. After speaking with a representative, I signed up for their debt elimination program, which cost a monthly fee of {$880.00} a month, for 22 months. The premise of their debt elimination program stems on the debt reaching a collection state, and the original creditor not suing in court to collect. Since the creditor opted to sue, Briteside Solutions could not meet their contractional obligation, and had to refund what I paid into the program ; {$880.00} for 8 months, minus {$59.00} per month for credit monitoring fee. On XX/XX/XXXX I received a call from XXXX, a Quality Assurance representative, stating that {$6500.00} was the amount of my refund and I would receive it in 7 to 10 days ; XX/XX/XXXX at the latest. I then contacted XXXX, on XX/XX/XXXX, after not receiving my refund, and questioned the delayed. XXXX told me he would contact upper management to ascertain why there was a delay in my refund. I then received a return call, from XXXX, XXXX minutes later stating he had not received an answer or even a return call to has inquiry and promised a return status-call that day ; no call. I have since left numerous messages, with XXXX response, to several individuals at Briteside ; this includes XXXX, my ex-Account XXXX ; XXXX, Quality Assurance Specialist ; and left messages in their general Quality Assurance Specialist voicemail box. This demonstrates Briteside Solutions total lack of integrity and concern for XXXX. As of today, XX/XX/2024, no one from this company has even return my call. This is definitely a case of elder financial abuse; concluding that since I am XXXX XXXX XXXX, Briteside Solutions feels they can take advantage of me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance Owed : {$6200.00} XXXXXXXX XXXX XXXXXXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA. The reporting of this inaccurate and unverified account has significantly damaged my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a  XXXX  student loan that is currently in repayment status. In  XXXX  of  2016 , my lender,   XXXX    XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to  XXXX . However, Heartland ECSI has only reported my account information to   XXXX    XXXX  (  XXXX  ) time since becoming the loan servicer. Therefore, I believe   XXXX    XXXX  and Heartland ECSI has been in violation of the promissory note for fifteen  ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and    XXXX     XXXX  regarding this issue since late  2016 .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an email from XXXX XXXX XXXX XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which underscores significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, neither my XX/XX/XXXXnor Zelle took appropriate action to investigate my claims. I was informed that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPB 's findings reveal that Zelle has failed to protect consumers adequately and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety and security of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous XXXX correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers. 
Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Product: Mortgage

In XXXX of 2020, CashCall Mortgage transferred the servicing of my loan to XXXX XXXX. On XX/XX/2020, CashCall withdrew {$1500.00} ( a mortgage payment ) from my account. I was not sent an email notifying  me of this transaction as was the protocol for all other payment receipts. When I saw my bank statement, I contacted the company and was told that a refund check had been issued. Unfortunately, I was told that it was sent to the property address not my mailing address. The property does not receive mail. I have contacted the company numerous times over the past 3 weeks ( it has been over 7 weeks since withdrawn ) to seek refund. I have spoken with supervisor XXXX XXXX on the last few calls and am promised resolution, but none is forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of experian XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with equifax and XXXX  which I have not filed disputes with yet.
Product: Credit reporting

I check My credit report weekly. I have found that Equifax has a XXXX account # XXXX XXXX XXXX XXXX reporting the amount owed at {$620.00} as of XXXX XXXX 2015. {$620.00} is the incorrect amount. Since this amount reporting is incorrect it should be deleted from my credit report as per FCRA rules.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I responded to a text message from Santander bank. Stating that their was fraudulent activity on my debit card and I stupidly gave my debit card my number my social security number and date of birth. I froze three credit beaureas. I put a hold on my debit card and ordered a new card. I locked my card first then ordered a new one then froze my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The account referenced above is reported as charged off, yet it also shows an outstanding balance. This reporting is both inconsistent and potentially misleading. 

According to standard accounting practices and regulatory guidance, when an account is charged off, the creditor has written off the balance as a loss. Reporting both a charge-off and an outstanding balance is improper, as the debt is no longer active on their books. This error adversely affects my credit standing and must be corrected immediately.

To support my claim, I am requesting the following : 1. Verification of the balance being reported.

2. Evidence that the creditor has retained the right to report a balance on this charged-off account. 

If you are unable to verify the accuracy of this account or the reported balance, I demand that this account either be updated to reflect a {$0.00} balance or removed entirely from my credit report. 

I have enclosed documentation relevant to this dispute : [ Include any receipts, account statements, or correspondence related to the charge-off or balance dispute. ] As required by law, you have 30 days to investigate and resolve this dispute. Please confirm receipt of this letter and provide written documentation of your findings once the investigation is complete. 

Failure to resolve this matter promptly will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action to protect my credit rights. 

I expect your swift attention to this matter. Thank you for your cooperation.