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

I am writing to formally express my concerns regarding XXXX 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 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 repeated 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

I received a letter from a debt collector : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX ( XXXX XXXX. XXXX )- alleging I owe a debt to Comenity Capital Bank in the amount of {$560.00}. They state the current creditor is XXXX XXXX XXXX XXXX. I advised that I do not owe this debt and asked they to please provide proof. They sent what they claim is proof, calling it " validation ''. However no where in the 18 pages they mailed to me is my name even mentioned. No where is proof that I purchased anything or received anything of value. My signature does not appear anywhere. The only thing provided was a Rate and Fee Schedule, a credit card agreement page ( blank ), a partial account number ( XXXX ), and a purported statement of account activity that only shows past due balances. XXXX has done nothing whatsoever to connect me to this alleged debt. All this shows is that someone with an account ending in XXXX purportedly owes a debt to XXXX XXXX XXXX / XXXX. This is not me. I have never had an account with ComenitXXXX, XXXX or XXXX. And they have provided absolutely no evidence to the contrary.
Product: Money transfers

western union advertise on they side real-time currency ratesthis rate much different from actual rate you receiveagent from kiosk try to blame western union about this spared and western union supervisor blame agent. on they site on the moment I send the money rate was XXXX and I receive XXXX Today on forex USD to XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Product: Vehicle loan or lease

This car was repossessed in XXXX XXXX/XXXX XXXX. The company said if we paid x amount they MIGHT let us get it back. Could not take a chance with a MIGHT and you want XXXX plus dollars to maybe give the car back. I let it go. The company sold this car for about {$2000.00}. They could have gotten way more. They completely low balled this sale and want $ XXXX from me after selling the car. The car was in good condition and I had just put a new transmission in it worth XXXX. The interior was good the exterior was good. No damage whatsoever. I cant believe how much they lowballed this sale and expect me to pay XXXX. This company is unethical and broke the law when they sold a car in that condition for only XXXX.
Product: Vehicle loan or lease

I paid off my loan and the organization is holding my payment and lien release for an excessive period of time. The payment cleared my checking account the same day as when I called in on XX/XX/XXXX. I was told the lien release would be sent electronically after 7 business days on XX/XX/XXXX. Since that payoff call I have made multiple calls and been given different information and dates every time I call. Additionally I have been lied to multiple times and by multiple phone reps. Lies have been about a supervisor/manager being at their desk ready to take a call only to find out on the next call minutes later the manager is out of the office that day. Also the reasons for the delayed hold and subsequent lien release seem to change every time I call. No one seems willing to have an honest conversation about the service and issue.
Product: Debt collection

I would like to verify my debt and therefore I am writing to request an itemized bill for the XXXX XXXX or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. 
Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Credit reporting

Experian is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
XXXX XXXX Balance {$1200.00} Date Opened XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a copy of my Early Warnings consumer report as permitted under the Fair Credit Reporting Act ( FCRA ). 

For verification purposes, I have attached copies of my government-issued ID and proof of address. Please let me know if any additional information is required to process my request.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act CFPA. 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 was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act efta and regulation e. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for these violations and mishandling
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Product: Checking or savings account

I opened a HYSA with Barclays online. I linked my XXXXXXXX XXXX account in order to fund the initial deposit of {$100.00}. Barclays sent 2 small deposits to my XXXX account which I then had to verify to confirm the account. I did this with 2 days. Barclays then withdrew the initial funding of {$100.00} from my XXXX bank account. 
When I attempted to login to my Barclays account after this I received this message : " Your account is currently restricted. Please contact customer care at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for assistance. '' I called Customer Service and was told I had to further verify my bank account by emailing a copy of my XXXXXXXX XXXX statement showing my name and account number. Though I was uncomfortable with emailing this data I did it anyway. A month later and my account was still restricted. I called back on XX/XX/XXXX to be told at first they could not find the documentation I emailed. Then eventually they located it but said the statement was not clear and I needed to email it again. I explained the statement was a PDF downloaded directly from the XXXX website. I could not possibly get a more clear document. I also stated I was not comfortable sending sensitive documents via unsecured email and I wanted a more secure method to upload the statement. I was told they had no other options. I asked for a supervisor and was told they did not have one. 
I finally asked them to return my {$100.00} and close the account. They refused to do so without verifying my bank account. At this point I simply want the {$100.00} they took from my XXXX account ( which they had no issue doing without this additional verification process ) and to close the account.
Product: Vehicle loan or lease

XX/XX/XXXX I bought my leased car through my dealer. I was unaware the dealer submitted an application on my behalf to XXXX financing companies, Bank of America was apparently one of those companies. 
On XX/XX/XXXX I received an Adverse Action letter from Bank of America communicating that they declined my loan application and provide 5 reasons why. 
2 of the reasons I had no idea what they were so I researched and learned a collections company erroneously tagged my credit report for a medical bill that was paid in full and never should have been in collections and was late for payment. 
These were both errors on my report, maybe I'm wrong but from my understanding Banks are prohibited from using medical bills in their credit decisioning. 
Another reason Bank of America declined my application was length of time line of credits have been established ; I have XXXX + open accounts with XXXX late payments for well over 20 years. I have owned my own home with current mortgage payments for over 15 years ... .I have no idea what BofA is looking out and in review of my credit reports their assessment is faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file
Product: Debt collection

Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included.
Product: Checking or savings account

Bank of America has charged a overdraft transfer fee twice in one month, with no overdraft. Its my belief that BofA has written code to commit fraud against low income populations, the software they are using is placing debit/hold on funds in accounts in a attempt to cause overdraft charges. My account even with the frozen funds did not overdraft, I was still charged a fee. The representatives attempted to lie and claim that I had over-drafted the account, after realizing that they couldnt explain it both times the representatives admitted my account wasnt over- drafted. I received a refund however my account only has so many courtesy waivers, now if I overdraft I will not be able to get it waived. This was done with software that is probably stealing hundreds of millions of low income dollars. Bank of America has committed fraud against my account twice in one month. The bank has manipulated transactions and balances to cause overdraft fees to occur, this bank is predatory!
Product: Checking or savings account

I had a cashapp account and the account had XXXX dollars it it that I was given for a car and they said it looked fraudulent and took my account and said appeal it when I tried calling
Product: Credit reporting, credit repair services, or other personal consumer reports

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was Credit Acceptance. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was Credit Acceptance. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Product: Credit reporting or other personal consumer reports

XX/XX/year> I paid half of my balance on the account in an effort to improve my credit score. {$2200.00} payment. synchrony bank acknowledged the payment and then denied having recived the payment back and forth 4 or six times. then they games with accessing or even discussing the account demanding my social security number and refusing to find the account based on the account number or my name, address, phone #. this is just data mining. then synchrony reported the account delinquent twice based on their internal confusion as to if they recieved the payment or not. synchrony still refuses to correct the record and is sending derogatory information to credit reporting agencies despite the fact that I paid off half of the principal. synchrony also refuses to negotiate a payoff and closure of the account. synchrony reports harmful misinformation to credit reporting agencies and refuses to correct the record. synchrony extorts account holders for personal information that they have no right to access by denying access to accounts and any ability to manage accounts. synchrony lies to account holders claiming they can't find the account based on the account number. lies, thievery, extortion, bullying ; this is not a bank its a criminal organisation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}
Product: Debt collection

XXXX XXXX XXXX was paid for laboratory services and added an additional rider to the insurance claim sent to XXXX XXXX. The additional rider was denied and I submitted an appeal to my insurance ( XXXX XXXX ) and a secondary appeal to the XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I submitted the appeals based on the EOB 's received from my insurance denials. I never received a single bill from XXXX XXXX XXXX and I personally verified they had my correct contact information. I even have email correspondence with a XXXX XXXX with her providing an explanation of the insurance rider code to assist with my appeals on XX/XX/XXXX. The rider is a fee attached for professional review of laboratory results that the Dr claiming the fees never personally sees. All labs were taken at XXXX XXXX XXXX and ran on site and returned within minutes. XXXX XXXX XXXX is essentially extorting money from patients outside of what insurance already pays. While awaiting appeal results my " debt '' was sent to Account Management Resources as a collection with a date of XXXX XX/XX/XXXX under two accounts in which I only noticed due to a change in my credit score in XX/XX/XXXX. One totaling {$2800.00} and the other {$400.00}. I have never received a bill from either company for these amounts and I have proof that I've paid the only bill I received from XXXXXXXX XXXX XXXX in the amount of {$67.00} back in XX/XX/XXXX. These debts have never been validated and I was not given the chance to fully dispute the charges or make payment arrangements prior to the debt being sent to collects and to my credit score.