23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.
Product: Prepaid card

On XXXX/XXXX/2015 as soon as my Social Security XXXX Direct Deposit credited to my card, Direct Express suspended my card. I ca n't transfer my income to another bank, make purchases or view transactions online. 
On XXXX/XXXX/2015 I wrote Direct Express after viewing my XXXX Statement ( postmarked XXXX, had insufficient postage, and arrived XXXX ). The XXXX Statement showed unauthorized charges and credits which I outlined in detail in my letter. Direct Express did n't respond to my letter. 
On XXXX/XXXX/2015 my XXXX Statement also had unauthorized charges and credits on it so I wrote Direct Express outlining them in detail, some of these came through my account on XXXX, XXXX, XXXX after my XXXX suspension which is n't fair to me. 
To date, unauthorized credits minus unauthorized charges total a {$4.00} loss from my account. 
Direct Express charges me XXXX cents per month for the paper statements which are checked by me for suspicious activity as soon as they arrive. I notify Direct Express as soon as I find anything wrong, in detail. 
Direct Express is holding 3 months of my income. Social Security advised me to contact Direct Express and so I did. I have followed instructions on my monthly statement. I watch the mail for anything from Direct Express, an Error Resolution Form, a replacement card, but they do n't respond. I have no other source of income. My card has been suspended since XXXX/XXXX/2015.
Product: Debt collection

I done spoke with lvnv/resurgent, I told them I was a victim of identity theft and that this debt is a result of Identity theft, is not mine, and I do not owe them anything.I have never even heard of the company and have nothing to do with the address they allowed these identity thieves to engage in fraudulent activity against me with.I feel this company who are trying to collect this fraudulent debt from me, that is fraudulent, not mine, can't be validated, and I do not owe anything too, which is some business called XXXX again another name I never heard of, neglected to do the minimum of asking the identity thieves for a photo id, or a simple background check because if they had they would've been stopped and caught, but seems they didn't even do the minimum, and are dishonestly and wrongfully trying to slander my credit by reporting this fraudulent activity against my credit report wrongfully, therefore i urge them to remove all fraudulent activity immediately according to FCRA and my rights.They cant validate or prove which is their responsibilty, because its impossible to prove something that doesnt exist that isnt mine, so i urge them to remove all fraudulent activity ASAP.Therefore I feel these companies are equally as responsinsible for neglecting basic professional standards as the identity thieves as this is fraudulent, they can not validate, they can not prove something that isn't true and doesn't exist as its not mine, and I do not owe them anything.They are predicated to prove to me and since I know they cant as I know it's not mine and a result if identity theft, by FCRA and my rights I urge them to remove this fraudulent activity from my credit reports ASAP.Resurgent already has I think on one, thereby showing they know it's not mine.Please be honest, own your mistakes, and remove this fraudulent activity your wrongfully credit slandering credit reports with.Thank you, hopefully this company will adhere to FCRA and my rights and remove properly as the fraud it its against me.
Product: Checking or savings account

Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX  XXXX. I had reached out to XXXX  XXXX  before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX  XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX  XXXX  nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX  and a single mom of XXXX  children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.
Product: Debt collection

On XX/XX/2022 I received a call from the collection agency while I was currently admitted in the XXXX. I missed the call so I called them back and advised them that I was not in a position to discuss the situation at all and they they needed to cease any and all communication immediately and disconnected the call. Since them they have continued to make repeated attempts to contact me ( at least 5 additional calls since then ). They use deceptive measures to disguise their identity buy consistently changing the caller ID to read veracious things, however they do provide voicemail messages. The voicemail is the " XXXX XXXX '' so clearly is the agency that was placed on a cease communications verbally. I have had no communication in written form to date. They were legally mandated to provide a XXXX letter per Nevada collections law sent either certified mail or registered mail. This was never done. This would have provided me 30 days notice prior top any collections beginning. Once this is done they can send a initial collections letter providing 30 days to dispute the debt. This never happened either. This agency is clearly not abiding by Federal or state laws such as the FDCPA or state laws XXXX XXXX as well as well as the regulation F mandate that provides a 7 day cool off period between calls once communication is established. The initial conversation was on XX/XX/2022 ( provided they were not placed on a verbal cease and deceit ) and they provided a voicemail message on XX/XX/2022. This collection agency is using and continues to use Unfair, deceptive, or abusive acts and practices as part of the daily operations. I currently still have no idea what debt they may be referring to since they never handled themself correctly with any communication both written or verble. Please help me put an end to the abuse and harassment.
Product: Credit card or prepaid card

I am absolutely disgusted with American Express, and they should be absolutely ashamed with themselves. 

I applied for a card for the sole purpose of balance transferring. On the website, there is no area to indicate how much of a balance transfer limit is needed. I was " approved '' for {$1500.00}, which is {$6500.00} less than what I needed. 

I contacted the " customer care '' department and after waiting 25 minutes to speak to someone in a US based call center, the woman was rude and abusive. She said that I had to wait for the card to come before requesting a balance transfer increase. I then asked why I was hearing a " beeping '' in the phone, and she stated that I was being recorded. I then said that I will turn on my recording device on my phone ( as is legal under Utah state law ). The woman became even more abusive saying I had no right to record, yet she had a right to record me. The woman hung up the phone. 

I called back yet again and waited 15 minutes to be transferred to a US call center. The agent there said that as soon as the card arrived, it would take " a few minutes '' to do the balance transfer limit increase. I waited for 13 days with no card arriving. Finally, I demanded a new card be overnighted, to which it was. I finally called back and gave the " supervisor ' my card number, who then told me it would take an additional 2 weeks to get an approval back on the balance transfer request. 

I said that this kind of behavior is atrocious and how dare they treat clients this way. I asked to have the balance request cancelled. I then received an email stating my card and account was closed, an action not authorized or approved by me.
Product: Debt collection

XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes- especially in light of the CFPB news findings. 

Zelle along with my bank failed to investigate my claims adequately. I was told finding these lost funds was impossible and somehow tracking wasnt doable. I feel neglected by Zelle as I feel like as a loyal customer I shouldve been protected against known scammers repeatedly. 

The lack of accountability and transparency is unacceptable and raises serious concerns of consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted more than 5 times to have XXXX and Equifax update my credit report to reflect a status of closed along with the closing date. 

Each time, XXXX and Equifax are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted XXXX in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from XXXX executive office has called me back. I called XXXX again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cell phone was stolen in which the person who had my phone hacked into my Cash App account and canceled my original deposit that I was making to my bank of {$440.00} along with multiple other charges that clearly you can tell our Fraudulent and should've warranted cash app to shut down my account that night I couldn't access anything until the next day because they hacked my bank account my email account so I couldn't even login and reset any of my passwords like I said until the next day I filed a police report and upon doing so I contacted Cash App the first time I contacted them they told me that they're denying my claim because I failed to contact them within three business days to their response, which made no sense because I only had contacted them the day before so there was never three days in between which tells me they never contacted me to begin with it's just been going back-and-forth. I gave them the police report number they kept wanting me to fill out a different form every time I contacted them because I got a different person on the phone to let them know about the scammers that took my phone and the people they sent this money to that have cash app account and they're refusing to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries. 

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: Debt collection

Ive noticed some unauthorized accounts on my credit report. I kindly request that these accounts be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Dispute of Account Information - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the information on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to the information provided in my credit report, it appears that there is inaccurate reporting concerning the status of this account. 

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX, the Vice President for XXXX XXXX at XXXX XXXX XXXX, regarding the resolution of issues surrounding my ownership and privileges associated with my account. The letter confirmed that an agreement had been reached, resulting in the forfeiture of all rights and privileges concerning my ownership, and the repossession of points associated with my account. Additionally, the letter stated that XXXX XXXX XXXX had closed the case related to my account. 

Given this settlement and closure of the matter, it is evident that the information currently reflected on my credit report does not accurately represent the status of my XXXX XXXX XXXX account. Therefore, I am formally requesting that Equifax conduct a thorough investigation into this matter and correct the inaccurate reporting on my credit file accordingly. 

I kindly request that Equifax : Review all information related to my XXXX XXXX XXXX account ( Account Number : XXXX ) to verify the accuracy of the reported status. 

Update my credit report to reflect the settled status of my account, as confirmed by the letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX. 

Provide me with a written confirmation once the investigation is completed and the necessary corrections have been made to my credit report. 

Enclosed with this letter are copies of the correspondence from XXXX XXXX XXXX, as well as any additional documentation that may support my dispute. 

I appreciate your attention to this matter and prompt resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Copy of letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX Any additional supporting documentation
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but XXXX and Equifax are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Credit card or prepaid card

I applied for new credit card with Citi bank early XXXX with no interest charge for an year. I signed up for online banking and paid minimum due every month till year. After completion of one year I got an email saying that your free interest period is complete. I tried logging into online portal and I was not able to log in and website asked me to contact customer support, I called them and was on hold for long time as its covid period and resource problem. On XX/XX/XXXX I was able to reach Citi bank customer service logged into system and requested to removed few interest charges as its due Citi bank technical issue I was not able to pay the bills. No one responded properly and was not informative. I pointed out the problem with website too. I stopped my monthly payments as they are not responding. This impacted heavily on credit score and my car payments. 

Today they decreased my credit limit almost by 90 % and launched a new website design for online banking. 
I asked to a relief of $ XXXX for interest and pointed online banking problems. Instead of at least responding to my questions they decreased my credit score and credit limit.