23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received alerts on my credit reports from XXXX XXXX and XXXX that i have a negative report on a Collections from a collections agency called XXXX XXXX XXXX for {$1000.00} opened on XXXXXXXX XXXX XXXX The original creditor that reported to the collections agency was Binance.US. 
I have no knowledge of such debt nor have i made any transactions with Binance.US. 

Please help me with this issue and get it off my credit reports and history. This is a false allegation from Binance.US and XXXX XXXX XXXX. 

Thank you XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates comes up on my credit report every couple of years with new dates, they have called my sister, my parents, my boss and stated I was in legal trouble and going to be arrested if I didn't call them back. I had the attorney general in MN contact them 10 years ago and they promised to stop but every couple of years they start again. They have two bogus collections on my credit report that I can't seem to get rid of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with all three credit bureau for two years now. i have been sending letters by certified mail to dispute things on my credit report .they have not taken the time to fully investigate anything. for example if i dispute four things with Experian they will dispute one item then remove it from my credit report then two weeks later the same information pop up but under a different debt collector name. 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , All three continue to disregard any request to fully investigate. Every letter that was sent have been notarized.Within a week these credit bureaus will come back and say they have fully verified all the information on my credit report I thought it normally take 30 days to investigate. They allow any company out there to report false information on your credit .This has caused alot of stress in my life, the fact that they allow this thing to happen as if they just get paid just to report and dont care on the lives they ruin in the process. This needs to stop.
Product: Credit card

ADVERSE CLAIM ON XXXX I sent my social security number ( security interest ) and was not granted collateral XXXX XXXX XXXX Indentured agreement states the security interest in the collateral is granted to secure the note Their definition of collateral - all accounts, instruments, documents, application The note is the promissory note The application should be turned into a promissory note which means the account with the credit automatically
Product: Debt collection

I checked my credit report on XX/XX/XXXX to see an account for XXXX  XXXX XXXX for CAPITAL ONE BANK USA N.A. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.
Product: Debt collection

They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed
Product: Bank account or service

I have been charged {$240.00} in overdraft fees over the last XXXX days alone. Many of these coming in the same day. Yesterday I was charged another fee, even though a deposit had been made in the account. I am now being charged overdraft fees for being over drafted. This is ridiculous and I can not afford to pay {$240.00} in over draft fees. My balance is currently XXXX with {$240.00} of that related to overdraft fees. I can not believe that this is legal or allowed.
Product: Student loan

When I was first asked to start making my payments I asked questions about loan forgiveness from several representatives because my daughter who is responsible for this loan is a Delaware XXXX. From the beginning Fedloan Servicing has constantly gave us wrong information. They are absolutely horrible and their representatives answering the phones are clueless and have no interest in helping the young people today burdened in loans. Several times I mentioned about the loan forgiveness program and I was told all I had to do was tell them over the phone since they were the loan agent which I did giving my daughter 's information to them. I was told she was enrolled and to just make 10 years payments and at the 10 year mark everything stops. This is on recordings I am sure because these people record EVERY phone call. I became skeptical several times hearing adds about how organizations help get loan forgiveness ( another farce who preys on our young students ) so I called several times spoke to a representative and was told NO your daughter is fine already in the program. 
Recently when the payment went up I called to speak with a representative to understand and at that time I was told no your daughter is not in the loan forgiveness program!!! and we now have to fill out forms and the payment would double what it was now if she chose to get in furthermore the 2 plus years of payment do n't count!!!!!! Someone tell me how someone representing the federal government can be so clueless and not provide the correct information. Fedloan should be released immediately and NEVER provide anything to our young students. They are an absolute nightmare. All I got is we are sorry from the last representative I spoke to, she is sorry. Also in 2 years my daughter only reduced her loan XXXX dollars!!!!!!! So they made 2 years interest looking at my checks!!! I would like someone to look into my claim. As I said I know they are required to tape all conversations and this will prove my accusations against these clowns. My Daughter is XXXX XXXX XXXX she has a student loan with FedLoan Servicing, I can provide all the information you need. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

Chime bank froze my account which had XXXX $ or close to that number, I have tried calling and emailing their tech support but the scalations from one manager to another seems to never end, I have not receive any updates about my funds, is been almost 6 months of them holding my money and I have received no calls or emails regarding this, it is the worst customer service I ever received from an online banking app. I would like to get my funds ASAP.
Product: Debt collection

I paid them but I am still getting collection letters. I found out that this company XXXX XXXX XXXX XXXX  XXXX has indeed been surprising those who go to the hospital known as XXXX XXXX XXXX in XXXX, TN with bills just like attached and an article that also states that theyve been doing this. I got two back to back bills one for {$40.00} and {$650.00} in a 2 week period. I dont understand.
Product: Credit card or prepaid card

Collections is not from original creditor. I do not owe LVNC FUNDINING-XXXX {$670.00}. I never heard of LVNV FUNDING. I  never did a contract with them.
Product: Debt collection

This is a notice to cease and desist all communication in attempt to collect this debt unless it is a response to provide me with my specified remedy. This company is required by law to do what I am demanding. I am asking your company to cease all communication with me through any and all mediums in regards to the alleged debt that is claiming to be owed unless you are invoking a specified remedy that I am asking for. According to 15 usc 1692a ( 2 ) - the term communication means the conveying of in information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral, electronic. Therefore my consumer report to which you are furnishing is bearing information regarding this alleged debt which would be a communication under the FDCPA. 

I am hereby providing you formal notice to cease and further communication regarding this account immediately which includes telephone, email, social media and any consumer reporting agency in which you have furnished information. 

Any further contact from your agency except a communication confirming your acknowledgment of any letter or specified remedy is a direct violation of the Fair Debt Collection Practices Act. 

I am also asking for compensation of {$1000.00} for this alleged debt being reported onto my consumer report which is harming my reputation and violation of 15 USC 1692d ( 1 ) any bad debt furnished onto my consumer report causes injury for me to provide for my family. 

If you do not cease communication and remove derogatory information from my consumer report a lawsuit will be commenced upon your company for compensatory damages
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted I did not authorize these companies to run my credit that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Case number : XXXX Human Trafficking case number : XXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized NGO. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report. 

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Debt collection

XXXX XXXX are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by Capital one. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.
Product: Debt collection

In XX/XX/2018, I financed a bed and 2 chairs from XXXX XXXX through Acima Credit out of XXXX Utah. The initial agreement was to pay off the debt in 90 days. As my luck would have it, I was unable to pay off the debt in 90 days. Acima wanted to charge me 3 times the amount the furniture was worth. I wasn't having that. I have fought with them every month since then. We were able to set up a settlement amount and I was to receive a confirmation email regarding that within 48 hours. Never received the email. They tried on several occasions to withdraw money from my account before agreed date, overdrawing my account. With no confirmation email, I have no way to prove otherwise. I was supposed to make the final settlement payment the XXXX of XXXX and they tried to pull " the settlement payment '' out 2 weeks later. I contacted Acima through chat and screen shot the entire conversation. They are nailing me for an extra {$500.00} beyond the first settlement. Because I didn't get a confirmation email, I didn't have proof they were screwing me for more money. I demanded an email that same day. They said it would come to me in 24- 48 hours. It took 2 weeks and 5 phone calls and still no email even though I was told over and over that the email had been sent. I again resorted to chatting through the website again so I could screenshot the last agreement. They cut my chat off after I demanded that the confirmation email that was supposed to be sent to me 2 weeks ago be sent immediately. They told me that couldn't happen because it was all computer generated, but they had record that the others had been sent. They refused to send me those as well. I finally received the confirmation email on the XXXX stating the dates that they would pull money from my account for the final settlement AFTER I threatened to report them to the XXXX and CFPB. This company is greedy and dishonest. They don't send the emails and then suck you into a new settlement for more money. They should be shut down.
Product: Money transfer, virtual currency, or money service

I am XXXXXXXX XXXX XXXX XXXX  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 XXXX me that to vering lost XXXXXXXX XXXX XXXX XXXXmpossible 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: Credit reporting, credit repair services, or other personal consumer reports

Disputed a hard inquiry from XXXX dated XX/XX/2018. I do not have a personal loan. Equifax failed to remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX I called paypal asking them why they reported me 30 days late when i havw been making payments every month. I have the paypal app that i used to make payments every month sometimes i will even make twice amonth.I spoke to the supervisor Will of paypal and i explained my situation that I went by what the app will tell me to pay when i said that the app automatically took out that account that i was reffereing too, I went to my computer and I couldn't find the account. I called them back to resolve this problem they said that I couldnt resolve because I filed for bankrupcy, I told them I never filed for bankruptcy they wouldnt provide me with any information, I requested a copy of the supposely file records they said they cant provide me with that. 
I spoke with XXXX from bankruptcy dept. from paypal today XX/XX/2023 he gave me the lawyer that supposely i file bankruptcy with XXXX XXXX XXXX XXXX ) XXXX I called spoke with him and he didn't know anything about this claim. there was no record about any of this on my name. I really don't know what to do at this point.
Product: Credit card or prepaid card

My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof that this company was falsely representing itself as a creditor, ( Original Creditor : ) with account XXXX which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Checking or savings account

Debit card deducted funds out of the account. But the transaction would not post for 4-5 days. On top of other charges added on from purchases and all of them not posting for days then I would be hit with ridiculous amounts of overdraft fees and for each transaction. 

Secured credit card was opened then later closed as the entire account was closed due to overdraft fees on both accounts. The Wells Fargo account was closed. In XX/XX/2018, I paid the entire balance off and was told it would take a few months to disappear off of my credit score. It is still there.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX ( formerly known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. 
Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.
Product: Credit card

I am filing this complaint regarding the accumulation of {$6300.00} in interest charges on my Chase Sapphire Reserve credit card over the past two years. Despite making the minimum payment communicated to me through the Chase banking app on time every month, I was never properly notified of the significant interest charges that were accumulating on my account. 

I had enabled notifications within the Chase banking app to alert me of relevant account activity, including interest accruals. However, I did not receive any notifications regarding these interest charges. As a result, I was unaware of the rapid growth of these charges, despite complying with the minimum payment requirements provided by Chase. I believe these charges were applied in a deceptive manner, as I was led to believe that making the minimum payment would prevent the accumulation of such substantial interest fees. 

I attempted to resolve this issue directly with Chase but was not provided with a satisfactory explanation or resolution. I believe the interest charges were applied unfairly and without proper disclosure or communication, violating my rights as a consumer.