23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a generator online from a vendor named " XXXX   '' on XX/XX/2019 on XXXX XXXX for {$220.00} I received an email giving an order number, XXXX, and that the order was being processed. My credit card was processed on XX/XX/XXXX with a description " XXXX ''. ( attached ) I emailed a reply on the XXXX asking what the status of my order was. The email came back unavailable. ( attached ) I became suspicious and immediately tried to find the vendor. When I couldn't I researched the vendor " XXXX '' and found a XXXX video called " IT XXXX STORE SCAM ''. It tells how they use 3 countries from a set up site to scam victims. 
The url is : XXXX : XXXX? XXXX I IMMEDIATELY disputed the charge and sent them everything I am sending you today. Capital one took the charge off on XX/XX/XXXX only to REBILL it again on XX/XX/XXXX. I called them and they AGAIN REMOVED the charge on XX/XX/XXXX! XXXX attached ). 
I had become disenchanted ( for lack of a better word ) with this company so I paid off my bill so I could close the account. They IMMEDIATELY REBILLED that same amount of {$220.00} A THIRD TIME on XX/XX/XXXX, preventing me from doing so. 

I have called them no less than 6 times during this time and have been told it was taken care of, that they would call me back if there were any issues, etc. Now they are saying time has elapsed and they are not taking the charge off after they had done so twice already. 

I have spoken to Capital One no less than 6 -8 times over this and I am at my wits end. 
I have a friend who lives 5 blocks away who bought the same generator and his card was credited 2 days later. 

This has become very frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use them.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite my repeated use of Zelle and efforts to report discrepancies, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit the platform, leaving users increasingly vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

We leased two XXXX XXXX XXXX 's from XXXX  XXXX, XXXX, XXXX in about XX/XX/XXXX. We have made all payments as promised. In XX/XX/XXXX, we decided to lease 2 new XXXX vehicles. XXXX was called to find out what the payments remained and the XXXX dealership wrote us checks for final remaining payments. We continued to make payments towards our accounts knowing that a final bill would arrive. XXXX has in their history of converation that they spoke with XXXX XXXX XXXX to get a payoff amount. We awaited a final bill with the final payments and the lease end fee. After turning in both vehicles we have made a total of approx XXXX on one vehicle and XXXX on the other. We knew there would be a final amount due and we are prepared to write XXXX a check for the final amount. I have called several times and spoke with several people at XXXX XXXX # XXXX. I was told a manager would call me today to try to resolve the issue and I did n't receive a call XX/XX/XXXX. I made the call at XXXX today and spoke with one customer service agent and one individual whom said she was a manager but could n't do anything for me. I have given our situation to several people without a solution. We have always paid our payments on time without fail. We have a good credit history. XXXX XXXX is not practicing good business practices and I believe is causing undo harm to people and their finances with how they are reporting lease ends. I spoke with the XXXX dealership and they have never had this happen with other people that were ending their leases with XXXX. This should be resolved and should n't have gotten this far. Unfair business practices have no place anywhere. I have now received an Early Termination Liability letter on both vehicles, one for {$34000.00} and the other {$35000.00}. My calculation the balance of both accounts should be approx 3500 but XXXX will not give me the final amount to be paid. We were never given a certain way from XXXX that the cars had to be turned in. We inspected the cars and turned them into the dealership we leased from. No one there said anything to us as well. We gave them our information so they could take care of the vehicles and we did n't receive any calls with issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inaccurate Charge Off Reporting ( TransUnion ) XXXXXXXX XXXX XXXX Account # : XXXX - Balance : {$0.00} XXXX  - Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois,XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( JPMCB XXXX Services, Credit Card, Chase Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required XXXX window. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX a collection was reported to my credit file in the amount of XXXX. I have no knowledge of this account. So I was disputed it XX/XX/XXXX. It was removed. The collection was added again XX/XX/XXXX. I disputed it. They told me the information was verified. I stated I never received any communication that I owed the debt to this company nor do I have knowledge of the account. XX/XX/XXXX I received a notice in the mail with the collection company telling me I owe them XXXX. No information verifying the account belongs to me.
Product: Checking or savings account

Capital One Bank did not deposit my paycheck to the checking account I have with them.

Capital One Bank make early deposits to customers account ( 1 day before normal direct deposit ). on XX/XX/year>, I did not receive my paycheck. 
Capital One Bank indicated that the issue would be resolved within the Hour.

Friday morning, still no paycheck being deposited to my account. I could not get in touch with customer service. I have tried calling from XXXX to XXXX, everytime I call customer service, the phone would disconnect when trying to speak to a representative. This was happening for hours. 

Friday Night, the deposit finally came to my account.

Not having my funds deposited to my account caused an undue hardship for me and my family. We felt that Capital One held our funds hostage because our employer had already submitted the funds to our bank ( Capital One Bank ).
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX my down payment was {$1000.00} and give {$1000.00} for the trade of my XXXX XXXX XXXX. The first financing was cancelled after XXXX weeks. I had to return to the XXXX XXXX XXXX and was subject to another credit check. I was approved by XXXX XXXX, I then had to put another {$500.00} down and my car payment went from {$200.00} to {$310.00}. 

I have since been making my payments. I received a letter via mail on XX/XX/XXXX from XXXX XXXX stating they were canceling the contract and returning the account to the Dealership. In the letter it does not give a reason for this cancellation. It states it would be removed from my credit line and that my car payments would be returned to the Dealership for me to pick up. 
I contacted the Sales Man from the Dealership and he knew nothing about such information. 
On XX/XX/XXXX at XXXX pm I contacted XXXX XXXX for information. I was advised by XXXX XXXX that a check for {$1300.00} had not been cut as of yet. The checks are cut on tuesdays and that it would be mailed on my behalf to XXXX XXXX. She looked through the notes and it was not stated as to why this was closed. 

I have since not spoken to finance office in the Dealership. 
I was advised by another Dealership that XXXX will try to make me pay for mileage and not return my money. 

I feel this is not fair practice in regards to my contract, as I am not the one the breached or cancelled.
Product: Debt collection

Full Name : XXXX XXXX XXXX XXXX : Company Name : Midland Credit Management Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone Number : XXXX Subject : Complaint Midland Credit Management for Violating Consumer Protection Laws Date of Incident : XX/XX/year> Type of Debt : Credit Card Amount in Dispute : {$3500.00} Complaint Narrative : I am filing this complaint against Midland Credit Management for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : Midland Credit Management has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from Midland Credit Management, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : Midland Credit Management has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt is not mine.

Contacting Me After Being Informed of Attorney Representation : I informed Midland Credit Management that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : Midland Credit Management has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score.

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but Midland Credit Management failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report from Experian, XXXX XXXX XXXX XXXX XXXX. that is listed as being discharged through a bankruptcy that Experian swears I have and refuses to investigate the validity of it. The XXXX account was never discharged through a bankruptcy and Experian refuses to change the status of this account. They are completely disregarding my rights under the FCRA and the CFPB will not assist me in these matters. I recently filed a complaint again about Experian refusing to provide me the proof they have of a bankruptcy in my name and the CFPB marked it as a duplicate and closed it. The XXXX account was never included in any bankruptcy and there should not be a bankruptcy listed on my credit report!!!!!!!!!!!!!!!!!!!!
Product: Student loan

I recently reached out to XXXX to help me with loan consolidation. They took advantage of me not really being well educated on the matter and got private information and an upfront payment for services. Upon further research that night, I discovered I could do that for free and that it 's a scam to take money upfront for loan services. I reached out to my credit card company to block payments and dispute the charge. I proceeded to reach out to the student help center where they gave me the run around to get in touch with compliance to cancel the service. I have left voicemail and emails to multiple departments with no response.
Product: Credit reporting, credit repair services, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.C. System Inc Collection company added a collection onto my credit reports claiming XXXX to XXXX and XXXX mobility who was the original creditor. Date opened according to them XX/XX/XXXX and balance {$2200.00} as of XX/XX/XXXX. I have no current XXXX XXXX XXXX accounts. The last time I had XXXX XXXX XXXX account was ten plus years ago. I filed a bankruptcy in XXXX that would of XXXX any old account with XXXX and XXXX This company has also reported an address that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. This collection is either time barred past statue of limitations or identity theft. This collection company is in violation of the Fair Debt Collection Practices Act. This collection is not valid and the collection company needs to remove this collection from my credit report for all three agencies. I have filed a dispute with the credit agencies and reported to XXXX XXXX XXXX who completed my bankruptcy in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Below is link to address I never lived but this collection company is reporting as my address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to XXXX requested action for removal of fraud accounts and know action was taken. I provided a copy of confirmation that my information has been exposed and improperly used due to XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXXXXXX shall block the reporting of 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. If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ....
Product: Mortgage

This is a qualified written request under Section 6 of RESPA to obtain any and all information regarding the true owner of the XXXX loan number : XXXX since XX/XX/XXXX, and all payments made during XX/XX/XXXX and XX/XX/XXXX for the upcoming hearing before the Ninth Circuit Appeals Court number : XXXX, as well as confirmation that the following payments were applied to my loan : Non applied funds in the amount of : {$920.00} on XX/XX/XXXX, and {$1900.00} on XX/XX/XXXXand at least 17 payments for : {$1100.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00}, on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, and {$350.00} on XX/XX/XXXX during XX/XX/XXXX.
Product: Mortgage

In XXXX XXXX, I became sick and was no longer able to pay my monthly mortgage by XXXX XXXX. I stayed in constant contact with Chase Mortgage in reference to my situation and applied for a loan modification on 5 or more occasions with no success. Each time that I was denied due to lack of sufficient income. I offered to do a deed-in-lieu of foreclosure and asked for relocation assistance. I was told that I would have to do a short sale first. I explained that doing a short sale would mean that I would have to have buyers come in and out of my home. I was not in a position medically to accommodate that. I explained to them how my XXXX, along with the various medications affected me on a daily basis. I inquired whether there were any emergency funds available to assist with paying my mortgage until my condition became stable enough for me to resume full-time work. I have been very proactive in doing whatever I can do to avoid foreclosure. A foreclosure action was filed with XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumers Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act XXXX ( EFTA XXXX and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I have been a victim of identity theft, resulting in the appearance of several fraudulent entries on my credit report without my awareness or approval. 3 Unapproved accounts and 27 inquiries have been added to my report, none of which were authorized by me. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and now request the prompt removal of these fraudulent items to maintain the accuracy of my credit report.