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

On XX/XX/XXXX, after being in bed since XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I got out of bed to deposit {$6100.00} ( I was unable to work all week, I borrowed XXXX from my sister & {$150.00} was a client cash payment- the XXXX was all XXXX ). 
The ATM used was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The details and the claim number are clearly outlined below theyve also been regurgitated no less than 2 dozen times. 


Claim # XXXX XX/XX/XXXX XXXX XXXX XXXX cash deposited Machine added it wrong and said I had a check I cancelled and asked to return items XXXX cash returned with some bills folded I deposited XXXX successfully I have XXXX with me ATM has XXXX of mine Then ATM ERROR RECEIVED SEE ATTACHED PHOTO. 

I called customer service the night of the incident, XX/XX/XXXX and spoke with a rep. Something told me to call back the following day, Saturday XX/XX/XXXX and to no avail, the claim was not actually filed. I then received the above noted claim number. That Monday, XX/XX/XXXX I called the branch ( address above ) and XXXX told me the ATM would be OPENED that day! He called me around XXXX to confirm the service company was there. I heard nothing back. 

On XX/XX/XXXX the {$1600.00} was credited to my account. Here we thought we were all closed out with the claim ; XX/XX/XXXX without any notice the {$1600.00} was debited from my account. XXXX himself was stunned. It has become common place for me to go out of my way to visit the branch so the staff can all attest to this. 

Despite what it may seem, I am wildly aware, organized & rather communicative so you can imagine my shock; thanks to my due diligence I was able to intercept the SBA before my payment bounced. I was unable to issue payroll ( you can see the XXXX stop on the account ). I have calmly, professionally, and politely communicated with XXXX XXXX, Customer Service and XXXX XXXX which has proven futile. 

I encourage you to take the time and consider what this means to a small business owner and certainly one who was ill for the entire first month of the year. And then ask yourself who would spend 60 days+ fighting for $ XXXX Ill answer this for you ; someone who spares no effort at hard work and who has earned every single XXXX. Someone who needs this more than you likely can comprehend. You can not imagine what we have endured as a business and what things like this do to me as a person. XXXX can attest to the fact that I was and am nearing a nervous breakdown. 

I am educated as to your abilities XXXX XXXX XXXX, to do the right thing and override all of this ; its abhorrent what has been done to me and the treatment and lack of regard is simply disgusting. Again, if not for XXXX, I do not have one empathetic, compassionate, or simply human experience with respect to this very pressing issue. 

To make this convenient for you, feel free to give me a call on my cell XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian XXXX XXXX sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable XXXX XXXX have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining
Product: Debt collection

Please be advised that I have been a victim of a Rip-off from New Century Financial and XXXX XXXX ( the XXXX public records in the Court ) New Century Financial Services is a Collection Agency that 's committing Fraud, using XXXX XXXX XXXX They manage to get my Social Security and my information. Once your name is given, New Century Financial Teams up with XXXX and XXXX which is a law firm located in XXXX NJ and XXXX and XXXX is involved in the XXXX. XXXX & XXXX goes to the court and file factitious and fraudulent judgments against taxpayer. I find out that the person who contact my agency in XXXX works in the Court and also with XXXX and XXXX. They have a scheme where they would constantly Harass and embarrass the taxpayers to the point where they are calling taxpayer 's place of employment and in violation of Federal law. I send a report to the Consumer Affair reporting this case what they did to me, but no ones response yet. Please note that these XXXX account has been paid in full. ( I been calling the person that contact my agency and XXXX and XXXX so they can remove this from my credit ) and now nobody appear. 




Please look at these links Ripoff Report posted on New Century Financial. You can view it at http : XXXX XXXX XXXX. 

Please remove this from my credit report when I look for Job the companies always are referring to this Judgment.
Product: Debt collection

A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''. 

I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency. 

My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife. 

I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''. 

Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA. 

In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.
Product: Credit reporting or other personal consumer reports

My issues are with credit acceptance placing false information on my credit report and use of threats and force from XXXX XXXX and police department who held me XXXX for XXXX hrs in a XXXX parking lot using threats and harassment all while the XXXX XXXX had my vehicle lifted with me inside I have videos and copies of amount owed placed on my credit report and the ridiculous loan agreement that I was not even aware of the car is XXXX XXXX XXXX been in XXXX accidents has significant rust in some areas and light rust in others that was covered up with something and only became visible when I started going to the car wash the front passenger head light has never worked and still doesn't work please email me a link to upload supporting documents and videos thank you for your time XXXX XXXX. 
XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted Experian a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Experian it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Product: Money transfer, virtual currency, or money service

To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. 

I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. 

I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. 

I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. 

I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX
Product: Debt collection

This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.
Product: Credit reporting

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. However I never had an account or contract with this company .According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, XXXX, and Equifax have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), Equifax XXXX ( XX/XX/XXXX), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX   XXXX  ( XX/XX/XXXX ).

Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).

XXXX : XXXX  ( XX/XX/XXXX ), Equifax XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX   XXXX ( XX/XX/XXXX), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( 1XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed 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. 
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: Checking or savings account

XXXX XXXX XXXX placed holds on my account to ensure the funds were available after a recent cruise. Instead of releasing/using the holds they charged me {$790.00} ( which cleared ) but NEVER RELEASED THE HOLDS. 
~ contacted carnival : they have no control over the holds ~ contacted XXXX : they have no control over the holds ~ contacted EverBank MULTIPLE TIMES and they insist they cant remove/release even though carnival has their money This has caused payments to be reversed!
Product: Debt collection

Creditor XXXX, XXXX repeatedly attempting to collect a debt after Bankruptcy discharge.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FORTIVA Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute the inaccurate information reported by Fortiva on my credit report. Specifically, it has come to my attention that you have reported a late payment for my Credit card account in XX/XX/2024. The reported delinquent amount is {$110.00} This information is incorrect, and I request that you provide proof of the alleged late payment. Please note that general statements or summaries are not considered sufficient evidence. I require detailed documentation or records that substantiate this claim. 

Additionally, I would like to inform you of the potential financial implications for Fortiva if this matter proceeds to arbitration due to your failure to resolve this dispute. Below is an itemized list of potential losses : 1. **Filing Fees : ** {$200.00} to {$500.00} 2. **Arbitration Costs : ** {$1000.00} to {$3000.00} 3. **Attorney Fees : ** {$1500.00} to {$5000.00} 4. **Administrative Costs : ** {$500.00} to {$2000.00} 5. **Potential Damages : ** {$1000.00} to {$10000.00} The total potential financial impact on Fortiva could range from {$4200.00} to {$20000.00}, depending on the specifics of the arbitration process and any awarded damages.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605 B it is illegal to report anything on my credit report without my permission .according tonUSC 1692 c you have violated my right by in lawful communications .please remove this inaccurate information.Thank you XXXX XXXX  bank NA ( account XXXX XXXX XXXX bank ( NA ( account XXXX XXXX bank XXXX XXXX account XXXX XXXX XXXX  bank ( account XXXX XXXX XXXX finance ( account XXXX XXXX bank XXXX XXXX account XXXX XXXX XXXX ( account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX XXXX funding ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX financial # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Subject : Formal Complaint Against Synchrony Bank/Venmo for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Synchrony Bank/Venmo for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ), which governs the responsibilities of furnishers of credit information. Synchrony Bank/Venmo is reporting a debt on my credit file on an excessive and unreasonable weekly basis, which constitutes unfair or inaccurate credit reporting. This practice is misleading, can be considered a form of harassment, and negatively impacts my credit profile.

Under the FCRA and California 's Consumer Credit Reporting Agencies Act ( CCRAA ) ( Cal. Civ. Code 1785.25 ), furnishers of credit information are required to ensure the accuracy and fairness of the information they report. By excessively updating the reported account in an unfair manner, Synchrony Bank/Venmo is : 1. Providing inaccurate or misleading information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information that they know or have reasonable cause to believe is inaccurate. Frequent reporting of the same debt misrepresents the true status of my account.

2. Engaging in potentially harassing or abusive reporting practices, which may be considered an " unfair '' practice under the FCRA and an attempt to damage my credit standing unduly.

3. Failing to uphold their duty to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ), by excessively updating the same debt, thereby distorting the true nature of my credit report.

Credit Report has been updated on the following dates : Synchrony Bank/Venmo Credit Alerts Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX