23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from XXXX XXXX XXXX XXXX  XXXX ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
Product: Credit card

Received a pre screen credit offer from Comenity Capital Bank. A highlighted portion of the offer provided a toll free number to opt-out of prescreened offers. When I called XXXX the automation said to press 1 to opt out for five years which I did. It then asked me to provide my Social Security number for verification.

I do not believe I should have to provide a SS # to opt out of marketing.
Product: Credit reporting or other personal consumer reports

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the information below, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 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 CFPBs findings indicate that zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

My problem is to be unable to access my Wells Fargo 's account for long time now. I used all the systems located in online but they said that all time " we do not recognize your username, password or SSN ". I am truly a customer for many but now unable to access my account in this bank now.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months I have submitted dispute request via certified mail to Experian along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. 

XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as requested but instead on XX/XX/2020 did receive an email from Experian advising a new dispute had been open yet failing to provide procedural proof of names, telephone numbers, names etc of all who have furnished this detailed information as my rights have outlined.

I have grown increasingly tired of the scripted emails and stall tactics from Experian!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.
Product: Debt collection

Company appeared on my credit report. No letters in the mail. No identifying information on credit report. No idea what this is. Called company they refused to disclose any info.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2023 were all on time. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2023 were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

On XX/XX/2021, I tried to purchase a phone case from a company XXXX XXXX XXXX XXXX XXXX that is based in the XXXX. I have made two other purchases from this company in the past without any issues. 
I did use a traditional bank to process those though. 
I am not sure why, WiFi connection perhaps, but the initial transaction was attempted six times. Each declined. 

I also tried to use a third party ( XXXX ) to process the order in an effort to add further protection to my account. This also was declined. 

I reached out to CashApp on multiple occasions to ask why, only to get a generic " suspicious activity '' reply. Never did I get anything further from them other than an endless runaround. 

After much dialog, and validating their policies, I made another attempt to purchase the case. Again being denied my purchase. 

Their policies plainly state : " You can now send or request Cash App payments with friends located in the XXXX. 
When you send a payment outside the US, Cash App will convert the payment from USD to GBP based on the mid-market exchange rate at the time the payment is created and your recipient will receive the funds in GBP. 
There are no fees to send or request payments with friends in the XXXX. '' From the policies of the vendor I was planning to purchase from, they state : " All prices of our delivery services on the Website are stated in either XXXX, XXXX or XXXX. Shipping terms are associated with your country and include any applicable VAT or sales tax payable. Delivery charges will be calculated during the checkout process. '' And while I have never left the area that I live, they even went so far to say : " This is XXXX with Cash App Support, thank you for reaching out. I understand how important it is for you to resolve this issue. Don't worry about it, I'll be glad to assist you After reviewing your account I would like to share with you the following information. 
We currently do not support Cash Card payments, ATM withdrawals, or other Cash App features while in XXXX XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or internationally at this time. 
I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. 
For questions or concerns outside of this case, please reply back to me here. 
If you have any further questions please let us know, We'll keep an eye on your response. 

Warmest regards, XXXX '' This has proven to be the most frustrating issue to get to the bottom of as you can only reach them via email. Which leads you to a new person EVERY SINGLE TIME! 

This goes beyond ethical on so many levels!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You stated that you investigated these accounts and they were 100 % accurate. I have included my credit report with these account reporting several errors which means it's not 100 % accurate as you stated.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

1 ) XXXX XXXX Date : XX/XX/XXXX Amount : {$2500.00} 2 ) XXXX XXXX Date : XX/XX/XXXX Amount : {$270.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$850.00} 4 ) Transworld Systems INC / XXXX XXXX Date : XX/XX/XXXX Amount : {$450.00} All this account were opened fraudulent
Product: Debt collection

Per 15 USC 1692 CC, this should not be on my report
Product: Debt collection

Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX  and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA.
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 or XXXX 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.

Also Washington is a closed-border state. You must have a license before contacting debtors or soliciting clients in Washington, which the XXXX does not have. Therefore you can not begin business activity until you receive a business license listing the required endorsement as an In-state Collection Agency endorsement is required if your main office is in Washington state or your main office is outside of Washington state and you have, or plan to have, clients located in Washington state XXXX ANY business involved in collecting a debt on behalf of a debt owner, or collecting a debt you have purchased from another person and either you, the debtor, or the debt owner are located in Washington, you must have a Collection Agency endorsement and be licensed in Washington.

Lastly, the account in collections for the amount of {$740.00} is not mine, but it was opened with my information. The only account Ive personally opened in my name is my current active XXXX  account at my current address and was opened on XX/XX/2022 at XXXX store no. XXXX.
Product: Credit reporting or other personal consumer reports

Negative Accounts were fraudulently added on my report.
Product: Credit card or prepaid card

I received a very disturbing response from the executive team stating that they did what was necessary as to the fraud results when everything was withdrawn so I am not sure why they are sticking to these so-called fraud there is no fraud everything was withdrawn and the institutions they received money from needs to be credited back which is documented and attached here. This is my previous message to them hopefully they read it and understand it this time .I XXXX XXXX XXXX into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a B/T who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute 12 B/T and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the B/T in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
Product: Debt collection

On or about XXXX XXXX, I received notice that some information changed on my credit report from XXXX and XXXX. I immediately contacted XXXX, to see what happened or what was being reported. What is falsely being reported was a new collection account from a business entity as follows : Fair Collections & Outsourcing, AKA ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Further, the credit report indicated that account was last updated on XX/XX/XXXX in the amount of ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. Next, upon review of all three major credit agencies XXXX, XXXX, and XXXX ; I could see this collection account on all three bureaus dated XXXX XXXX. After a little due diligence I was able to locate the phone number for Fair Collections & Outsourcing. I phoned the company at ( XXXX ), and ask to speak to the person in-charge ; I was transferred to XXXX XXXX XXXX This party wouldn't allow me to speak so I just listen to XXXX XXXX, explain to me that this was an attempt to collect a debt and he needed to confirm some information. I told XXXX XXXX, that my rights was being violated under the Fair Credit Reporting Act 15 U.S.C. 1681 a ( f ). I informed XXXX XXXX, that having not made any contact with me directly via us mail, digital or by phone prior to placing this collection on my personal credit ; was a clear violation of the law, and I would be filing a complaint with CFBP and contacting an Attorney, further I stated that Fair Collections & Outsourcing, had to wrong party. XXXX XXXX, said I didn't know what I was talking about and I could do whatever I liked and then hung up. Next, I phoned back got XXXX XXXX, again and Informed him that not only was Fair Collections & Outsourcing, violating my rights but additionally, I wanted to know who was the original client and he refused to answer. Finally, later that evening on XXXX XXXX, a letter arrived at my residence from Fair Collections & Outsourcing, dated XX/XX/XXXX, although the letter was backdated it didn't arrive to me until XX/XX/XXXX. This letter was an " Offer To Satisfy For 20 % ) for a total of $ XXXX. The letter had the correct address but did not bear my correct legal name. I'm filing this complaint today and contacting an Attorney, to have this matter removed immediately from XXXX, XXXX, and XXXX. Fair Collections & Outsourcing ( XXXX ) has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit files first and then mailed a letter. Next, the first contact on this collection ; is me contacting their company. The letter or so called first point of contact is additionally, further violates the FDCPA, in that its a settlement offer ; and does not inform me of my legal rights as required under the law.
Product: Credit reporting or other personal consumer reports

Ford Motor Company is still reporting a balance {$560.00} as of XX/XX/year> on my XXXX credit report. The account was paid in full XX/XX/year>. XXXX is reporting incorrect information.
Product: Debt collection

Debt has beet settled or written off, it has been many many years since it, s closure. 
This company still trying to collect even after they have been notified and are aware of the situation, dates, info. etc. 

Excessive calls at all times of the day even late nights, early mornings and weekends, I want this to stop calling and to update their system and information.
Product: Mortgage

In 2022 BSI Financial purchased my mortgage from XXXX XXXX to service my exisiting mortgage payments. 

I have never missed a payment and am set up from my XXXX XXXX  account to auto pay them on the first of the month. 

At some point I started getting a letter from BSI that I was not making my payment when it was clearly leaving my bank and posting on the BSI login page to my account.

They charged me {$25.00} for 6 months stating I had the wrong loan number.

I called them each time I recived the letter and the person on the other line said they recieved my paymnet and not to worry about it.

The next month I would recieve the same letter and make the same call to get the same reaction.

I then spoke with a supervisor and she agreed that they should be there but said she could only waive one {$25.00} fee in which she did I then recently recieved a call from a friend of mine and she explained to me the same senerio that the keep trying to charge her a fee every month.

This company does not respond and continues to steal peoples money. 

Please let me know if I can do anything about this XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX BSI Financial Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old. 
Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not fumish a account without my written instructions
Product: Prepaid card

I received on XXXX a Dash debit card. I never applied for it and do not even know what the company is about. They have my full name and address. They provide instructions to activate at XXXX or myDashCard.com. It also states that I will incur in a fee regardless if used or not. I do not know the company, have not activated the card but they have my information.