23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB complaints XXXX and XXXX regarding debt collector Key2Recovery where its representative states : " ... someone stole her identity they would first have to construct erroneous high school transcripts, fraudulently take the XXXX exam using someone elses { sic ] name, apply to the institution of higher education ( XXXX XXXX XXXX in this instance ) in the hopes of being accepted. If accepted, they would then have to enroll for classes and pay the tuition and fees and attend classes all with the questionable intention of obtaining a diploma in someone elses [ sic ] name to secure gainful employment as another person ... '' 1. Clearly, this statement indicates the company did indeed act as an authorized third party and initiated contact with someone at XXXX XXXX XXXX to gain access to personal records with neither my knowledge nor my consent in violation of Fair Debt Collection Practices Act 15 USC 1692c 805. Communication in connection with debt collection : " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' 2. Moreover, the address and personal information on all correspondence from the debt collector came directly from government documents from XXXX XXXX XXXX, which is protected by the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. 

3. Finally, I am a current respondent in the ongoing 2017 Equifax Data Breach Settlement where my credit information is currently monitored. It is very irresponsible for a creditor to mock or otherwise dismiss the severity of data breaches that compromises one 's personal. Bottom-feeding companies, such as Key2Recovery, care only about their increasing their profit margins by any means including data breaches, identity theft, and fraud.
Product: Debt collection

I have been in contact with Heartland ECSI since XXXX, since I was told to contact them by XXXX XXXX. I reached out in an attempt to secure a deferment on my student loans due to financial hardship, as I have had in place for my other Federal loans. Before that, I was enrolled as a full-time student, and needed deferment as a result. During the same time period, I have maintained all my other student loans, serviced through XXXX current and deferred for the same financial hardship. During this period, I was not able to speak with anyone at ECSI on the phone to establish a repayment plan that fit my financial situation, nor was I able to receive appropriate support via their online chat. They pushed me to mail, form after form, which I did and to no avail. Because they dont have anyone to I could talk to, I was not able to put a plan into place. 

From XXXX to XXXX, my wife and I were living in the XXXX. As a result of the pandemic, we moved back to the XXXX, in XXXX of XXXX. When I checked my credit score in early XXXX, I saw there were derogatory remarks on my credit. 

After multiple calls, I was finally able to get in touch with XXXX XXXX at XXXX in XX/XX/XXXX, who said my only option to clear the remarks was to pay the loans in full and agreed that she, XXXX XXXX and ECSI would clear the remarks if I paid. 

On XX/XX/XXXX, I paid the full balance ( XXXX ), as confirmed in by XXXX XXXX in the attached email. As a result, Ms XXXX wrote an email confirmation of the requested removal of the derogatory remarks ( see attached ). It has been well over 90 days, and I still have the same negative remarks on my credit and XXXX XXXX and ECSI have operated in bad faith, holding the negative remarks on my credit over me, forcing me to pay an amount that exceeded my budget during the pandemic. And still have not held up their agreement to change my credit remarks
Product: Debt collection

I recently viewed my credit report and noticed a XXXX XXXXXXXX account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt did not belong me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Product: Money transfer, virtual currency, or money service

I did a wire transfer from Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX account on XX/XX/2022. He did not received the money and days after I canceled the transfer an he canceled too, expenting XXXX XXXX  XXXX refund the money to my account. It does not happen, and I have more than two months contacting Chase Bank and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX did not awnser Chase, and just respond to XXXX " the tranfer is pending ''
Product: Credit card

I signed up for a Bank of America credit card on XXXX/XXXX/2016 specifically to roll over my balance from my XXXX credit card. I decided getting cash back was better than airline miles accumulation ( too many needed for an air ticket ). Nowhere on the application, email sent to me, on the letters I received AFTER the 7 day period was the information about charging a fee for the rollover. I LOOKED!!! Because I knew that some cards charge and some do n't. I can send the confirming email, as well. No where was I informed that I would need to spend {$180.00} to do this dis-service. 

I did this online, where I could check and doublecheck that there was no apparent fee. Perhaps hidden in very small print or buried deep in some multi-page disclosure, it might be there. But I sure did n't see it. I am screaming this : I CHECKED! When I transferred the money, there was NO " are you sure you want a {$180.00} fee '' When I got my first bill n XXXX, I noticed a line that read " Fee .... {$180.00} '' No explanation on what the fee was. I called BOA 's XXXX # and no where on its phone system was the choice for " rollover '' or " transfer '' -- everything else from " mortgage '' to " late fees. '' I kept saying to the automated voice, " I do n't know what fee ; get me to a rep '' After a long pause, I finally spoke to a XXXX and later a XXXX who said, " yes sometimes agent forget to tell you that. '' She offered to put in a request to reverse the fee -- so it is possible. I kept telling her that I was not informed of a transfer fee. That we 99 % of the time pay off our XXXX credit card in full each month and I do n't need a 0 % APR. Which she justified the 0 % as why they charge the 3 % transfer fee. Huh? In her tel/con I learned the figure " 3 % '' Why in the world would I pay {$180.00} for a new credit card, when we pay off our credit card bills in full? Why would I agree to that? Why? 

My point is that NOWHERE is it CLEAR that I would get hit with such an amount. NO.WHERE. 

I asked for a supervisor who was UNHELPFUL and kept saying " This is a legitimate fee. '' He would not reverse it. I asked him : " Do you want my business or not? '' Between my husband and myself, we charge up to $ XXXX a year on credit cards. He said I had to pay the fee. I cancelled the card that day. 

It is not right that BOA HID the transfer fee. UNDISCLOSED. The transfer fee info was NO WHERE in the application, in confirming e-mails, letters to me, in the card 's description, on the bill, in the phone conversation I had 1 week prior with a BOA rep when I asked about a charge on my on-line invoice. 

I wo n't pay that ridiculous fee. Why would I agree to that, when I was n't told/informed about it. If forced that means something important to me must be dropped. 

No wonder military service people have problems with BOA. I could have gone to any of the other competitors for a transfer free card. Sure wish I had. Paying BOA {$180.00} for use of my money ... ... they should be paying me!
Product: Debt collection

On XX/XX/18 a dispute was sent to XXXX, XXXX and TransUnion regarding XXXX XXXX # XXXX {$18000.00}, XXXX Loans {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my 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 informed me that recovering lost funds was impossible 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 is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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. 

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

XXXXXXXX XXXX XXXXXXXX. Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX : AFFIRM INC XX/XX/XXXX {$830.00} AFFIRM INC XX/XX/XXXX {$330.00} AFFIRM INC XX/XX/XXXX {$330.00} XXXX XX/XX/XXXX {$8500.00} XXXX : ( hard inquiries ) XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

XX/XX/2019 I purchased a membership with XXXX XXXX XXXX. This is a membership which cost {$140.00}. Membership includes a {$10000.00} line of credit/trade line with a yearly fee of {$99.00} which will be reporting to all 3 bureaus monthly. I purchased this membership and the company failed to report to the credit bureaus as stated in the membership package. I called this company and was told to give it at least 45 days to report to the bureaus. I waited XXXX and XXXX and finally asked for a refund and the company responded With Your account is now activated but it still never reported to the bureaus. So I didnt receive the services they claimed to render. The purpose of the purchase was to reduce my utilization on my credit report. This line of credit never reached my credit report and I found out that this company was reporting to the bureaus but was shutdown by the bureaus due to underwriting issues. They asked everyone to be patient and they will fix the problem. They stopped responding to everyone emails and they blocked the phone number from calling them. They also changed the website from stating reporting to all credit bureaus but I have a screenshot of the old webpage which states otherwise. The membership fee is not the issue with me, the service that this company says it provides that comes with this membership was not rendered. Therefore, I demand my refund. I was paying for a {$10000.00} line of credit which reports to all three bureaus and my services were not rendered. Therefore, I need a refund. I disputed it with my bank Wells Fargo and they claimed they lost the dispute because i signed a contract and I explained the problem was not with the contract, it was with the services it claimed to provide and it failed to uphold its end of the contract. Therefore, I didnt received what I paid for.
Product: Debt collection

I received a text message on XX/XX/XXXX and another one today from a debt collector who does not show any amount due etc., It states the company that is collecting from is XXXX XXXX XXXX XXXX. XXXX whose phone nbr is XXXX. 

We had never had any dealing with the above Insurance company and we do not owe any money to them. 

We believe it is a scam, and I am trying to report it. 

The text does not show any amount due at all. Only to reply to them to opt out etc. 
or call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

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 know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Vehicle loan or lease

FORMER COMPLAINT - XXXX WAS NOT RESOLVED!! Honda Finance LIED TO THE CFPB!!!!! 

On XX/XX/2021 XXXX called me to " clarify '' the process - he realized, he was wrong in his understanding, and agreed that YES, indeed {$2500.00} that Honda Finance told XXXX was due was in fact NOT DUE. 

The account was marked TOTAL LOSS on XX/XX/2021 and I was provided an ACCURATE PAYOFF - NO FURTHER SALES TAX WAS PAYABLE as the LEASE no longer existed. 

XXXX told me he would FOLLOW UP - NO WORD - NO PHONE CALL - NO MAIL - NO MONEY!!!! 

During the XX/XX/XXXX telephone call that lasted over an hour, XXXX said the account was paid in full and closed, and said " IF WE RECEIVE AN ADDITIONAL PAYMENT WE WILL SEND YOU THE REFUND '' XXXX CONFIRMS, their check was issued on XX/XX/XXXX and it was CASHED by Honda Finance on XX/XX/XXXX. 

Honda Finance owes me {$2500.00} Calling Honda does ZERO GOOD - You call you sit on hold for nearly 2 hours, to be put on hold and passed around. They have the money, they have ZERO desire to pay any money back. 

The call with Honda on XX/XX/XXXX when TOTAL LOSS reported was RECORDED BY HONDA FINANCE - PULL THAT CALL - it will be heard clear as day what the pay off is. Further calls with Honda CLEARLY recorded as " sales tax of {$2500.00} '' not due. 

It is not nice to lie, and it is certainly NOT NICE, RIGHT or should it be allowed to LIE TO A GOVERNMENT FINANCE OVERSIGHT BOARD.
Product: Debt collection

In the span of XXXX days, Westlake Financial contacted me via phone call XXXX  times. XXXX calls were attempted on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My checking account was over XXXX but I did not do it
Product: Credit reporting

Equifax is reporting a debt from XX/XX/XXXX that is the last date of delinquency it was sold to a collection agency that is reporting it as XX/XX/XXXX I have never paid anything to the collection agency for I do not owe it due to the fact that the business where the accident happened agreed to pay the bill but did not. I have a lawsuit against the collection agency for refreshing this debt but the Equifax will not remove this item even with proof of the original creditor date of XX/XX/XXXX. I have read on this site that I am correct statute begins after last day of delinquency unless I have paid on it which I have not I want the removed from my credit report this violates my rights.
Product: Credit card

This is a continuation from Synchrony BankXXXX dispute starting XXXX, XXXX until now, I have tried to send these XXXX companies more information about my account. I wanted to be clear on why the credit that Synchrony Bank has reimbursed me isn't adding up to what I am supposed to owe. There are XXXX separate statements that I have been sent that has the same amount I owe from XX/XX/XXXX through XXXX XXXX XX/XX/XXXX. I'm sending this through XXXX  because I have tried to send the documents through the link Synchrony Bank sent but I use it to explain the problems try downloading the documents in question try sending the documents and it will not allow the uploaded documents to go through the very link they sent me to share with them. Therefore, I figured they would get the information from your company, or I WILL NOT PAY THE BALANCE until we come to an agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Experian and XXXX reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and Experian is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.