23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all. 
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up. 
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search. 
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer with rights to privacy, I have constantly asked Equifax to stop reporting items on my credit report without my written consent, or a correct method of validation being I DO NOT CONSENT TO THE E-OSCAR method of verification. I requested to see my original signature, with original ledgers, including debt validations which I never received I have also informed them numerous of times that they were in violation of my rights as a consumer to privacy under 15 USC 1681, 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section2 also states that a consumer reporting agency can not furnish any account without my written wet signature, they are also in violations of XXXX misleading, false reporting Invalidated/unauthorized inquiry Results of the Equifax data breach
Product: Money transfer, virtual currency, or money service

I am writing to raise concerns about Zelle 's approach to handling disputes, particularly in light of the recent lawsuit filed by the CFPB, which has uncovered significant problems with the platform. Despite using Zelle multiple times and reporting discrepancies, both my bank and Zelle have failed to adequately address my claims. I was told that recovering lost funds was not possible and that tracking the transactions was unmanageable. The CFPB 's findings suggest that Zelle has neglected its responsibility to protect consumers and has allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams. As a young person who worked for my money. I had to close my account about 2 times due to unauthorized transactions as well as zelle payments. They took money for me that I wasnt able to get back and still trying to recover from. This absence of accountability and transparency is unacceptable and raises significant concerns regarding consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account with Equifax and XXXX. I informed the credit reporting agency I had no knowledge of having XXXX XXXX  account sent to collections. Equifax and XXXX failed to provide debt verification and/validation. The collection account was not removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX account # XXXX. My address is XXXX XXXX XXXX XXXX XXXX, Florida. On XX/XX/21, I contacted XXXX XXXX XXXX XXXX to advised the credit that the information reported to the credit bureau is not correct. The account had charge off and report an balance. Due to the fair credit reporting act companies are not allow to report charge off with an outstanding balance to the credit bureau.
Product: Student loan

This entire almost XXXX  months of this year MOHELA has gone back and forth on my account being on forbearance or not due to the ongoing litigation with the SAVE repayment plan. On XX/XX/XXXX I received an email from MOHELA letting me know that my account had, for the XXXX time this year, been put on forbearance. On XX/XX/XXXX I received a notification from U.S. Department of Education letting me know that the on-ramp protections would end on XX/XX/year>. On XX/XX/XXXX I received a notification from XXXX credit monitoring letting me know that something had changed in my credit report. When I checked the report my credit had dropped significantly due to MOHELA having reported an overdue balance to the credit union. The U.S. Department of Education clearly states that if you have applied for the SAVE your account is in forbearance. The XXXX Department of Education also has clearly indicated that the on-ramp protections were in effect thru XX/XX/year>. My credit has been significantly damaged due to MOHELA 's reporting and is affecting the flexibility I had. This level of incompetence and disregard for the financial well-being of others and clear disregard of the rules set by the U.S. Department of Education makes MOHELA an incomptent loan servicer.
Product: Credit card or prepaid card

On XX/XX/XXXX approximately XXXX I spoke with capital one about release my credit line. They stated they could not because the funds were pending. I merged a call between capital one and XXXX bank. Capital one states that XXXX bank has the account pending and they are the ones that needs to release the funds. XXXX bank stated the funds were debited from my account and they are waiting for the merchant to close out the account on their end so the funds can process. Capital one stated that it was not in the policy to recieve the funds until.XXXX bank clears the funds. After the back and forth. Capital one started to say XXXX bank is not making sense because XXXX bank has to say the funds are cleared. The back and forth went on for over a hour because Capital one said it takes 7days to verify the funds are cleared. XXXX bank continued to declare that the funds are debited but again the merchant must close out the transaction so the funds can be received on their end. Capital one is a disreputable company due to the fact that the credit cant clear but the balance on the account was cleared bring my balance down to an {$7.00}?? interest fee that posted XX/XX/XXXX after the balance in full payment was posted to the account on XX/XX/XXXX. What I dont understand is capital one is saying they cant prematurely release no credit until the payment clears in 7 days but yet the funds were sufficient enough to clear the balance in full owed on the account. I find capital one employees disgusting in the way they represent capital one with misleading information. Honesty and transparency was not maintained on this 1hr.5min call.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXXT Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights. 
I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

The option for adding paper money has been taken off my cash app. When I contacted cash app I wasn't provided with any information or explanation as to why I can no longer add paper money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally.
1. XXXX XXXX XXXX XXXX XXXX, 2017 2. XXXX XXXX XXXX XXXX, 2017 3. Navy FCU XXXX XXXX, 2017 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX *
Product: Mortgage

I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Harris & Harris XXXX - {$1600.00} I have called each company my personal information has be breach and my identity has been stolen, please resolve this.
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. Account name : # XXXX, has violated my rights. 
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 1681c. ( a ) ( 5 ) Section States : 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 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: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account appeared I never lived at that address and had no such services there please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX  Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is {$140.00} and was posted XX/XX/XXXX 16
Product: Debt collection

I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.
Product: Checking or savings account

My name is XXXX XXXX the daughter of XXXX XXXX XXXX XXXX I'm reaching out to you about my deceased father. About a week ago I received of my father 's probate court record and it stated My family received some money they excluded me. Before my father passed in 2009 he told me not to trust my mother and sister XXXX XXXX. He also stated he had some documents to give me. But he died two days later and his document were in a lock box and my sister XXXX said it was nothing in there. I know she is lying!! I was told he had accounts with bank of America. Please help me. My father girlfriend XXXX XXXX XXXX, Her son XXXX XXXX XXXX and grandson shares accounts. I believe XXXX and her son did fraudulent things to these accounts. I will send you a copy the unclaimed accounts. My father had a lot of alias. I will send you a list. Thank you for you time.
Product: Student loan

A provision in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act allows borrowers who made payments during the forbearance period to request a refund. Any and all payments made since XX/XX/XXXX, were eligible to be refunded. 

On XX/XX/XXXX, I called my loan servicer XXXX and requested that all student loan payments I made since XXXX ( XX/XX/XXXX - XX/XX/XXXX ) in the amount of {$3600.00} be reimbursed to me in the form of a mailed check. When asked how long it would take for me to receive my check I was told XXXX days. I since called XXXX additional times to confirm the timeline and was told XXXX days both times. 

It has now been 100 days and I have still not received my money. However, on the exact day that I initiated the request ( XX/XX/XXXX ) they had no problem adjusting my balance an additional {$3600.00} allowing it to collect interest. I was told XXXX days. Anything over that I feel is a hardship on me, as they get to collect interest while I still don't even have the money that they are billing me interest on.
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from but was unable to get it
Product: Credit reporting or other personal consumer reports

There are delinquency and credit cards on my file I dont have no credit card serious delinquency on one or more of your accounts.

The ratio of revolving account balances to their credit limits is too high. 
There are too few accounts currently paid as agreed. 
The number of accounts that have or had a delinquency.
Product: Credit card or prepaid card

as this has been going on for a while, i don't have all the dates or actual amounts. 
i went old navy to buy some cloths as a gift ( about {$90.00} ). while i was there, they said i could save 10 % if i applied for an old navy card. i applied for the card, but did not intend to use it. when i checked out, i gave the cashier my personal cc for the purchase and the old navy card for the discount. months later, my mail had caught up to me ( moving ) and i saw i had an old navy bill. i called and questioned this bill right away. turns out, it was the clothes i bought that day. i checked my personal cc and did not see the purchase. this was upsetting as i did not intend to use the old navy card. i was told just applying for the card would give me the discount. i attempted to solve the issue with customer service, but the old navy representative was firm ( rude ) that i had to pay interest and late fees. as i was moving, i was not even aware of this bill nor was i looking for it. i should not have even had it. i feel old navy took advantage of me. 

after going round and round with old navy cust service for months and getting nowhere, i paid the principle only as it is undisputed. i paid the principle as i did receive the items and did not take them back, but the interest and late fees were not paid because i did not knowingly use this card which is the basis of the dispute. the cashier ran the old nave card instead of my intended personal card. 

my problem / dispute is that even after paying the principle and explaining what occurred, old navy continues to charge my account XXXX late fee each month and interest on the entire balance ( which is 100 % late fees and interest ) the total balance as of XX/XX/19 is {$330.00}. this balance is 100 % late fees and interest. this balance increases about {$46.00} per month without any principle basis. 

as i did pay the entire principle amount, i feel the debt should be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Bread XXXX  put my high yield saving in restricted mode for no reason. I called custom service XXXX but after long wait and line got dropped. Finally on XX/XX/2022, after 40 minutes wait, I talked to their representative, he told me because I add my cell phone number, but I did add the same cell phone to other bank where they verified the new information right away through my existing verification method, and never have any problem. The representative promise me he will submit the request to unlock my account. But until XXXX XXXX, my account still in restricted mode. I called their custom service again, and insist I want resolve this issue now, transfer me to account security and finally unlock my account. 
I told them my experience with other bank, and hope they can change their procedures. I hope consumer finance can use your power and influence to make Bread XXXX  XXXX  to change. Thanks.
Product: Mortgage

We are receiving multiple calls daily from " Veterans Relief Services '' on phone number XXXX XXXX XXXX XXXX which are being placed by some kind of robocall dialing. They claim to be a non-profit organization wanting to help veterans refinance at lower rates. We informed them that we already have a low rate ( 3.25 % for a XXXX fixed rate loan ) and asked them politely not to call again. They have continued to call and are difficult to call back as their mailboxes are always full. I googled their website and the phone number the parent organization is listing online belongs to another unrelated business not affiliated in any way with Veterans Relief Services ( VRS ). They told me they are getting all kinds of calls from people who are angry because they are receiving robocalls from VRS. I suggested they file a complaint with the FCC. I am beginning to log their calls and making notes on my calls back to them and my request for them to cease calling so I can file an FCC complaint as well. I would never engage their services for a loan no matter how good the rates are because they are a nuisance and are illegally using another business ' phone number on their website. I strongly suspect that this is a phishing scam to get people 's personal and financial information. Beware!!!