23daVinci/CFPB_Complaints huggingface dataset:
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 specifically 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 infeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I recently applied for a home mortgage and was denied as this company has a $ XXXX derogatory mark on my credit. I called them because I've never recieved a bill from them. They also claimed and explicitly stated to me : " We are not a collection Agency '' we are collecting this " On behalf of the hospital '' I've tried and tried to dispute this charge due to non-patient responsibilities from the originating bill. I requested a detailed invoice via phone and they said I needed to make the request in writing. I emailed them at XXXX as directed, I've emailed them multiple times over the past 18 months requesting updates and informing them I'm attemptjng to settle this debt. Not a single response. 

They use to have a website with the same domain as their email but that website no longer exists. They misrepresented themselves to me, and informed me that any adjustments would have to be made by the hospital. The hospital stated they have never heard of this company and that they can ot make any adjustments because it was frlm XXXX. I just want this off my credit report since I've performed my due diligence and performed all of the steps that everyone along the way has asked me since XXXX, including the hospital. It is not my fault that companies failed to bill or billed my insurances incorrectly. I've performed every action and piece of evidence requested with no prgress. 

I feel like I did their job for them. Yet they will not respond to anything in writing. This seems beyond suspicious to me. I requested a list of the patient responsibilities for this alleged debt and they said it was " under review '' with their " insurance department '' I asked to speak with that department in an attempt to settle the debts because I called my insurance companies at their request to aquire the details and statements of their records on patient responsibility. I was refused the opportunity to speak with someone. 

I filed a complaint with the XXXX  and they did not respond to them either. 

I have had no communications from this company, despite my numerous attempts. At one point, my account was with a company named Wakefield Associates, and I was working with them to do the rebills, etc. Once the timeframe to rebill the account passed, the account was no longer with them. I received a single piece of physical mail The Healthcare Receivables Group, and I contacted the number on the paper. I asked what happened and how they received or purchased this account from Wakefield. They immediately, and very rudely informed me that they are NOT a collection agency and they are attempting to collect this debt directly for, and on behalf of the Hospital. I thought this to be a very suspicious. As my original complaint stated, they asked me to email them certain details. 
As you can see from the attachments, I sent the requested information and have never heard back from them. 

Attached is : XXXX XXXX - The entire email thread that I've sent to them with zero response.
Product: Checking or savings account

Somebody used my information to make a purchase on XXXX using XXXX $ I talked to the merchant they are willing to me reimburse my money back but CURRENT BANKING IS NOT RESPONDING TO ME AT ALL I HAVE PROOF
Product: Debt collection

I was served papers regarding my XXXX XXXX XXXX from Rausch Sturm, LLP. My wIfe then contacted Rausch Sturm, LLP, stating an attorney had been retained for bankruptcy. Asking why they served me with this knowledge. They stated they were aware and knew they couldn't contact me. She was told they could do that and that we should contact the bankruptcy attorney. I contacted my bankruptcy attorney to see if anyone had reached out to him as we had no knowledge that the debt had been sold. He confirmed he had not been notified either. Here are the issues I have with this company ; 1. An initial demand letter was not sent to me to give my 30 days to dispute/validate the debt. Which is a violation of the FDCPA.

2. Due to that my right to dispute was taken from me. 
XXXX. When i received the documents suing me, I noticed the creditor was listed as XXXX XXXX, not Rausch Sturm. When Rausch Sturm purchased the debt, they became the creditor and XXXX one would be the original creditor. 
XXXX. When the debt was sold, the required notification was not sent/received from XXXX XXXX or Rausch Sturm . 
XXXX. Why is a bankruptcy account/ attorney retained even purchased by debt buyers? 

I will also say that the agent my wife spoke with at Rausch Sturm was not very helpful and/or empathetic. It is hard enough and stressful enough being in a financial bind and trying to file bankruptcy. Last thing I need is a rude representative who is not helpful and a debt buyer who is trying to recoup their few cents on the dollar by suing someone they clearly knew had an attorney retained for bankruptcy. 

In addition to filing with CFPB, I am also filing with the XXXX, the attorney general and I have contacted an attorney regarding these violations.
Product: Debt collection

I have contacted the debt collector to receive the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Credit reporting or other personal consumer reports

Company phone banks are brushing me off about this. XXXX advertised " no ding decline '' ( ndd ) credit card offers. I applied for an ndd credit card offer from Wells Fargo advertised on the XXXX website on XXXX XXXX XXXX and they declined it and placed an inquiry on my credit report anyway. I think they will claim that I clicked on a different offer that happened to be prominently advertised on XXXX 's ndd page. When I go on to XXXX now they no longer have " no XXXX decline '' credit card offer on my profile but when I saw later versions of their ndd page I had to scroll past a heavily advertised " XXXX XXXX '' offer to see their ndd offers which were below the bottom of my screen. When my homeowner 's insurance renewed in XX/XX/XXXX my insurer said they could not offer me their lowest rate because of credit card balances and recent inquiries based on an XX/XX/XXXX credit report. I paid off my credit cards and was being careful to keep inquiries off of my credit report so I could search for cheaper insurance when it renewed on XX/XX/XXXX. My insurance went up but they did not say it was not their lowest rate this time. I was unable to compare insurance offers because other insurers would be looking at reports that included that inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called Equifax the same day and filed a complaint it was then investigated and Equifax 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. Equifax was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.
Product: Debt collection

XX/XX/year> I ask for a statement so I can pay my bill and so I know how much it is and the collection agency refused all they have to do is provide me a statement
Product: Debt collection

I am writing to dispute the following information in my file waypoint resource group llc # XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX XXXX XXXX.
Product: Debt collection

Hello, my name is XXXX. 2 days ago, I received a letter saying that I have a debt and it is already with the collectors. But I have no debts, the company that collects this debt from me did not even notify me that I was billed. We XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they didn't give me any documents when we moved, and when they moved out of this apartment, they came to look at it and said that everything was fine with us. For 2 months, I just have an amount hanging somewhere, and the fact that I owe money, although it did not come to my wife or me by e-mail, that we owe money, I do not agree with what is required of me. That is, the company was silent for 2 months, and then a debt just appeared out of nowhere.I don't want to pay this money, but I can't either, since I work in a family alone, we are visitors who don't even have documents. There are no documents or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

2ND REQUEST : I am challenging Equifax because they are not in compliance with METRO 2 compliance standards. They DO NOT INVESTIGATE THEY DONT SEND OUT UPDATED REPORTS AND THEY NEVER SEND METHOD OF VERIFICATION LETTERS. THEY DO NOT READ DISPUTES! 
This is a direct violation of 15 USC 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. This is law! CLOSED ACCOUNTS CAN NOT REPORT A BALANCE!!!! I am doing this again as I have had no results and this is for paper trail for my lawsuit!
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unjust practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take effective measures to prevent address fraud, making my account highly unprotected. Furthermore, their dispute resolution process is unfair and deceptive, because they don't tell you why your dispute was denied, even if you stated the transaction was a scam. They also do not meet the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me extreme financial loss and have been extremely inconvenient, and I am seeking the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unauthorized credit inquiry was made by XXXX, XXXX DBA XXXX XXXX XXXX and I contacted them by phone at XXXX on the same day and again on XX/XX/XXXX. I explained to the credit department of XXXX, that I did not authorize this second inquiry that has been made on XX/XX/XXXX. And that I only authorize the first credit inquiry on XX/XX/XXXX and became a customer of XXXX, XXXX DBA XXXX XXXX XXXX XXXX Provider on XX/XX/XXXX. I was then informed that a deletion of that second credit inquiry would be sent over to Equifax and it would take 30 days to be remove. I contacted XXXX  XXXX again in XXXX, XXXX, XXXX, and again on XX/XX/XXXX. After speaking with XXXX  on XX/XX/XXXX, I filed a dispute with Equifax thinking it would speed up the process. I was wrong. The investigation was completed on XX/XX/XXXX with credit inquiry not being removed and reported accurate. I spoke with XXXX  again and filed another dispute with Equifax on XX/XX/XXXX. That investigation was completed on XX/XX/XXXX with the same results being verified as accurate. I received this information by a confirmation letter mailed to me from the Equifax XX/XX/XXXX. I contacted Equifax by phone twice on XX/XX/XXXX and explained to the customer service representatives the situation at hand. They both only advised me to contact XXXX  again and handle it directly with them. I called XXXX  again at XXXX but received no answer because the office was closed on a Sunday. I also sent an email to Equifax ( XXXX ) and two emails to XXXX, XXXX  ( XXXX ) on XX/XX/XXXX explaining both about my frustrations and having this unauthorized credit inquiry removed and resolved as possible. Another dispute was made on XX/XX/XXXX also.
Product: Debt collection

Portfolio recovery associates have an account under my information but the account was being paid for by someone else. The information they sent me have 3 different transactions to the account paying half the account off.Ive disputed it with them before and recently sent a letter with no response from them that was delivered XX/XX/XXXX and its now XX/XX/XXXX. Before that sent a letter XX/XX/XXXX that was delivered XX/XX/XXXX. Nothing has been done to rectify the situation.
Product: Debt collection

I called the US Department of education in regards to my student loans they advised me it was handled by an outside collection agency. I contacted An agency called Al.Tran Education. I have no problem paying back my student debt as i am making low monthly payment. If i had realized i had option to pay back my loans i would of done it in the beginning. The negative effect of the late payments being on my credit report has but a strain on my ability to apply for loans and apply for credit as needed. This also has placed a financial burden on my ability to live. I have contacted Obudsman Case # XXXX in regards to asking for a good will in having the late payments of my credit report removed and was advised they do not do a goodwill removal of late payments. I am asking for a fresh start to move forward as negative payment information will stay on my reports until 2023 at the latest. i have attached my payment agreement with Alltran education for your reference.
Product: Checking or savings account

Barclays Bank has been very unresponsive and difficult to deal with. They will tell you anything on the phone to get rid of you and simply not follow up as they promised. I have spoken with an XXXX XXXX, XXXX - bank manager who would not further identify herself and opened a ticket with the wrong information ( XXXX ) and falsely told me the " back office '' has sent me a corrected 1099, someone named XXXX who never contacted me, and XXXX who filed another ticket XXXX and told me I could not be put in touch with any of the above mentioned persons and that someone would again call. Was also told that a person had called once two weeks ago and never tried again and that is a lie because I have a fully working answering machine and there was no message from Barclays. 
Barclays opened a fraudulent account in my name XXXX with all my personal information about 2 years ago and never, not once, did they contact me about the fraudulent account until I was told that they sent the IRS a notice that I received over {$50.00} and would have to pay tax on it. 
They sent a sweet letter of apology which was all XXXX and still no way to contact them as the " back office '' or bank officials do not speak to or email with their customers directly. How did they so easily allow an fraudulent account be opened without ever checking with the " owner ''. I trust their is some government overseeing of such activity.
Product: Credit reporting or other personal consumer reports

I received a credit alert on my TransUnion credit report today XX/XX/2024 for a hard inquiry which i did not request or authorized. this inquiry has demand and impacted my credit score. please kindly remove this inquiry .In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and .I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed removed from my credit file.
Product: Money transfer, virtual currency, or money service

I worked for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I cashed two checks that paid me for my work, one in the amount of {$510.00} and the other check in the amount of {$510.00} I cashed these checks online and sent photos to my bank and the money arrived that same day. But on XX/XX/XXXX, the bank decided to subtract the amount of XXXX from my account because the checks that I cashed on XX/XX/XXXX online, another person cashed them again elsewhere ... my bank took this action as a debit note on XX/XX/XXXX and they took money from me that I had in positive ... unfortunately I threw away the checks without tearing them thinking that they were no longer valid, now I was forced to pay the bank money that I collected once and what Another person cashed them for the second time. I want to know if I can recover the money that the bank subtracted from me and if I can have information about the place where they cashed the two checks for the second time.
Product: Credit card or prepaid card

XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 
2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. 
The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. 
The next day I received a package from XXXX  which I refused and the mailman took it  back. 
My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. 
I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.
Product: Debt collection

In XXXX of XXXX, I moved out 3 weeks prior to the official termination date of my lease. I had to move due to having to relocate for a job in another city. The landlord at the time stated that that would be fine since I gave a WRITTEN NOTICE 30 days in advance of my having to move. He stated that they would get the apartment rented out and I would not have to worry about anything else. The landlord accepted the written notice and made note that I was vacating the premises and I heard nothing else from them. Now here we are in XXXX and there is a balance on my credit report of {$480.00} and this has drastically impacted the credit score that I am working so hard on. It has impacted my score to the point that I am not able to rent anywhere else for me and my daughter. I have attempted to dispute this several times. I would like for this to be removed from my credit so that me and my daughter can find a nice place to live.