23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

AidVantage is horrible. Customer service is filled with rude, incompetent, and unprofessional representatives. These are student loan accounts that these folks are responsible for. I did a consolidation application a month ago via StudentAid.gov in which I added two loans, but only one was added to the consolidation {$7000.00}. Received a letter a week ago stating that consolidation was complete and that I had 10 days to add additional loans to the consolidation. I called AidVantage and was hung up on twice. I finally reached someone who added the {$2800.00} that was missed from the initial application then a week later, I received a letter stating that the application had been denied due to applicant canceling the application ( 07 ) which is not true -- a bold faced lie. I am on the phone now trying to reach a supervisor in which I was told by several customer service reps that it was very hard to reach a supervisor. Someone in this company has denied my previously approved consolidation application and is stating that I sent an email canceling which is not true. Horrible company.
Product: Debt collection

This company refuses to provide me any information about this debt. Continually harasses me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Hello, I am requesting the original wet signature purchase agreement that shows you are the legal owner of this alleged debt. 
Thank you, XXXX -- XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, Im sorry for any confusion about our email, but Im happy to clear things up for you.

We are TrueAccord, a XXXX party collections agency, working on behalf of XXXX to help collect on this outstanding balance. We are happy to work with you to get this account resolved for the outstanding {$26.00}, but requests for compensation, refunds can not be resolved with TrueAccord. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a XXXX XXXX from XXXX of XXXX CT. I walked through all fees and costs with the XXXX  XXXX. He explained things that could hit me at the front, during or end of my lease. He was clear about excess mileage and wear and tear, but NEVER mentioned a disposition fee. He did not provide me with a physical copy of the lease or give me the opportunity to read through the lease as he wanted to explain everything to me. He kept having me sign different documents but never gave me the text to read. I turned in my car at the end of the lease. I repeatedly received mailings and calls from Volvo with incorrect amounts that I owe. They charged me for excessive wear and tear on the vehicle which was incorrect because I had purchased a separate plan that covers those charges. They tried to charge me {$540.00} for excessive wear. I also received a bill for {$2300.00} for property tax charges. This is also incorrect. I prepaid {$1200.00} which was not shown on my XX/XX/XXXX bill. The most aggravating is this disposition or turn in fee. The dealership not only did NOT disclose this fee to me, but I was never given the opportunity to read this fee in materials. When I turned in the car the dealer told me not to clean the car and that there would be no fees or costs turning the car into them. I called Volvo Financial Services when I learned about this and they told me to call the dealer to have it removed. I spoke with the manager at the dealer who said they see none of that and they have no ability to remove it. I spoke with Volvo financial services on XX/XX/XXXX and they refused to remove the fee and when I asked to speak with a supervisor they said none were available for 2 days and they would not let me wait in a que. I asked for my transcript to be emailed to me and they said I could not have my transcript. I asked for a copy of my lease which they said could not be emailed but could be mailed. I asked to speak with someone in legal and that request was also denied. They did pressure me on the fact my account is 75 days past due and would be sent to collections soon. I asked them to stop that clock as I have no issue paying for excess mileage and property tax, but these other fees need to be correct or removed. They said no to that request. I still do not have a actual physical bill with correct numbers on it to pay. These are shady practices and if they want to charge fees they should either include it in the price or disclose it to consumers. I spent a lot of time asking questions about these fees. As someone who drives a lot I knew I could go over the mileage and want understand all the fees on this vehicle, but if I can not read a contract in front of me or don't know what to ask then it has to be disclosed to me and this disposition fee was not disclosed. It is also very hard to get on the phone with someone at Volvo financial services and at the dealership. In fact I had to call 7 times to get through to the right person at the dealer. Once they knew what I was asking they either disconnected the call or sent me to someone's voicemail and I did not receive a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached to Global Lending Services about an Auto Loan that is reporting to the CRAs and asked them to provide validation that this debt is mine. Global Lending Services responded back with a copy of a car contract, a copy of the payment history, and according to federal law that does not fulfill a validation of debt. In order for Global Lending Services to provide a copy of the car contract, the contract has to not only be my signature but their signature as well. Which they don't have it. My debt validation is me telling Global Lending Services to provide all documentation they have on file, to provide how they investigated, and proof of that investigation. Global Lending Services are still reporting to the CRAs and I have sent in several CEASE and DESIST letters for the to stop all communication while they provide me Validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX These are the authorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. 
Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. 
After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. 
I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. 
She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. 
She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite using Zelle extensively and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The CFPB 's findings reveal that Zelle has not only failed to safeguard its users but has also enabled repeat offenders to exploit the system, leaving consumers exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platform 's commitment to consumer safety.
Product: Credit reporting or other personal consumer reports

Hey im writing to file a formal complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ), including failure to properly investigate disputes, improperly reporting medical debt, and violating the newly enacted rule prohibiting the inclusion of medical debt on credit reports. I have sent multiple letters to Experian disputing inaccuracies on my credit report including XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. Despite my requests, Experian has failed to properly investigate these disputes or remove inaccurate information as required by 15 USC 1681i ( 5 ) Furthermore I have noticed that medical debt, which should be excluded from my credit report under the new CFPB rule finalized XX/XX/year>, is still being reported by Experian. This is a violation of the updated rule and 15 USC 1681c ( c ), which mandates the removal of medical debt that meets certain criteria. I am seeking the removal of any outdated or incorrectly reported information, including medical debt that is in violation of the new CFPB rule.I also request that Experian take immediate action to comply with all applicable FCRA provisions and conduct a thorough investigation of my disputes.Additionally, I am aware that the CFPB has filed a lawsuit against Experian for similar issues related to improper dispute investigations and failure to remove errors from credit reports. I would like this complaint to be considered in light of the ongoing legal action against Experian.Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX
Product: Debt collection

Says I owe XXXX which I do not I paid the past due rent to the courts I have proof of that.. And also Im being charged for carpet which was cleaned I have proof of that from the person/company who cleaned it I have the bill and a live video and pictures of it being cleaned and the cleaning contract. Also Im being billed saying I left items in the apartment I have live videos and pictures of the apartment being cleaned and also a signed statement from the movers that will speak in court stating the apartment was clear of all items I have live videos and pictures of the apartment being cleaned and upon moving out.. I also have a receipt and email from the leasing office stating I paid the debt also receipt from the clerk of the courts.. I will take this company to court if this false information is not taking off my credit Ive already brought it to an attorney and Ive been told that I have a case and I will sue for damages that this false information has done to my credit. Ive spoken to the Park at XXXX management and was told that they have nothing to do with the case anymore and that I have to file charges against the collection agency which I will do its against the law to file false information on someones credit report and I will sue for damages if this false information is not taking off and I will also go to the News if need be about this company.. Im sending a picture of the carpet and also the receipt that I was emailed by the apartment manager also the clerk of the courts information where the apartment request a dismissal of the case From XXXX by the lakes which is now called the park at XXXX apartments I also have live videos of the clean apartment with the date and time and also statements from the movers and carpet cleaner. I will take this company to court for false information on my credit report.
Product: Bank account or service

On XXXX XXXX 2016, I 'd visited the Wells Fargo ( " WF '' ) branch located at XXXX XXXX XXXX , XXXX, TX XXXX to make a deposit. 

Upon my arrival, I was greeted by a banker sitting at his desk. I told him that I was making a deposit, and he directed me to the teller line. I approached the teller, a white male, and told him I needed to make a deposit of some cash and a check. He asked for my debit card, which I provided him. I then entered my security PIN on the WF Point of Sale terminal. 

I opened a check ( {$220.00} ) that I had received from the United States Postal Service in front of him. He took the check, and I asked if I could receive a color copy. He said he could n't do a color copy, and instead asked if I wanted a B & W copy, to which I had declined. 

He then proceeded to deposit the {$100.00} cash and asked if there was anything else I needed. I said no, and then the WF Point-of-Sale machine asked how I would like my receipt. I selected to have the receipt delivered electronically to my WF account inbox. 

I had then remembered I needed to exchange some coins I brought from home. I mentioned this to him, and he seemed glad to help. He and I counted the coins together ( he used a plastic counting device ). The change amounted to a little more than {$10.00}, and he handed me a {$10.00} bill in addition to returning me some coins. 

I thanked him, asking if there was anything else I needed to do. He responded in the negative, and I promptly left, going to the XXXX Bank next to the WF location. 

On Friday, XXXX XXXX 2016, I had viewed my account online, and saw that it was about {$300.00} short of what it should be. Some further research led me to find that neither the check I deposited, nor the cash I deposited, had been registered in my account. I called the same WF branch and spoke to the branch manager. The branch manager confirmed that there was no check that had been deposited in my account in the time period I gave her ( XXXX - XXXX XXXX ). She then asked me several times if I was sure I 'd gone to that exact WF, to which I replied in the affirmative. She told me that the chances that I did n't go to this WF branch were greater than the chances of XXXX of her employees just taking the cash. She advised me to find the check number from the USPS, and call back. 

Around XXXX, I 'd called the same WF branch, and asked to speak with the manager. I was transferred to the Assistant Manager, as the Manager had left for the day. Upon giving the Assistant Manager my check number, he affirmed that no such check had been deposited. He said I could stop payment on the check, but gave me no option for retrieving / finding my cash. He said it was unlikely that I was at that WF branch. I 'd requested to see the video tape to prove that I 'd been there, to which he refused, saying that I 'd need to file a Police Report to have access to the tape. I 'd asked him if there was any other way I could view the tape, to which he said, he 'd given me all my options, and hung up abruptly.
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 XXXXXXXX XXXX XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 XXXX of information contained in a my file at XXXX 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 item from my file in accordance with paragraph ( XXXX ), 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. 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 account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX CIG FINCL XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit card

I set up autopayment on my Bank of America credit card. Without notification or reason, they keep canceling my autopayments, then charging me multiple late fees, and then reporting negatively on my credit bureaus. I TRY to pay them, and set-up AUTOPAY, and they STILL do everything they can to sabbatage and destroy their customer 's payments/credit.
Product: Checking or savings account

An account holder at Chase Bank passed away in XX/XX/2020. The account holder lived in Washington State, but was a XXXX resident. The executors of the estate for the account holder currently live in XXXX. 

Chase is refusing access to the account of the deceased account holder by the executors of the estate until they appear in person. Currently our borders are closed BY OUR FEDERAL GOVERNMENT and the executors can not appear in person. 

Due to Chase 's refusal to allow access the the funds in the deceased account holders account, some of the assets of the estate are in jeopardy because the creditors can not be paid. THE ESTATE IS AT RISK OF LOSING ASSETS due to Chase 's refusal to allow access to the funds in the checking and savings account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXBalance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$64.00} ; XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.