23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), 1. XXXX XXXX, Account # XXXX XXXX, has violated my rights. 
2. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account : # XXXX XXXX  has violated my rights. 
4. XXXX XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX, Account : # XXXX XXXX & XXXX XXXX, has violated my rights. 
6. XXXX, Account : # XXXX XXXX has violated my rights. 
7. XXXX, Account : # XXXX XXXX has violated my rights. 
8. XXXX XXXX XXXX, Account : # XXXX XXXX XXXX XXXX has violated my rights. 
9. XXXX XXXX XXXX Account : # XXXX XXXX, has violated my rights. 
10. XXXX XXXX, XXXX XXXX, has violated my rights. 
11. XXXX, Account : # XXXX XXXX, has violated my rights. 
12. XXXX XXXX XXXX, Account : # XXXX XXXX has violated my rights. 
12. XXXX XXXX, Account : XXXX XXXX, has violated my rights. 
13. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

I looked at my XXXX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX Balance {$0.00} XXXX XXXX Balance {$3200.00} GROW XXXX XXXX Balance {$11000.00}
Product: Debt collection

Disputed collection agency on all XXXX credit reports. All credit bureaus complied ; I received notification that Midland Credit Management is trying to come after me once again that this has been disputed & not updated.
Product: Debt collection

Subject : Consumer Rights Violation Under 15 U.S.C. 1692g ( a ) To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my rights as a consumer under 15 U.S.C. 1692g ( a ).

I have verbally spoken to Spring Oak Capital, specifically with their representative, XXXX. I have been informed that the debt in question was placed in their office on XX/XX/XXXX. A validation letter was reportedly sent on XX/XX/XXXX, and the first contact via phone occurred a few days later. 

During our conversation, I confirmed that the address they had on file was XXXX, Texas. However, my current address is XXXX, TX, and has been for some time. Agencies are required to make reasonable efforts, such as pulling a credit report or skip tracing, to ensure they have the correct address for proper notification. These efforts were not made. 

As of today, XX/XX/XXXX, I have updated my address with Spring Oak Capital. However, the lack of proper notification has violated my rights under 15 U.S.C. 1692g ( a ). Had I received proper notification, I would have been afforded the opportunity to recognize, investigate, or resolve the account upon receiving the validation letter.

Given this violation and the improper handling of notification, I respectfully request that this account be removed. As a consumer, I should not be penalized for an agency 's failure to meet their legal obligations. 

Thank you for your time and attention to this matter. I look forward to your response. 

The account is with Spring Oak Capital, balance is XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' GRANITE STATE MANAGEMENT RESOURCES is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' GRANITE STATE MANAGEMENT RESOURCES is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GRANITE STATE MANAGEMENT RESOURCES whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' GRANITE STATE MANAGEMENT RESOURCES never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX   overcharging me for months of services after I cancelled the account. I had a XXXX  balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. 
XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. 

I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. 


Kindest Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep saying my XXXX  XXXX credit card is closed witch makes my credit drop it has happened three times I fight it they fix it and put the points back and each time with in for days they take them again and say the card is closed and they are not even reporting the other XXXX  XXXX card I have and the other credit companies are reporting them and I called XXXX XXXX they said they are reporting the account is open and they tried to call to rectify the problem with transunion but and had a tried to have a conference call with me and them but the transunion representative said they can not do it because it's a Privacy issue and could only speak to me even though I was on the phone to ok it and he said XXXX XXXX explained the problem and we could take care of it but after XXXX XXXX hung up the gentleman told me that it was being reported to them as closed even though XXXX XXXX just told them it was a open account and said he could not do anything then a few days later they fixed it and a few more days after that they said it was reported that it was closed once again my account is open and my credit report should reflect that
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX 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 XXXX 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/2022. I received an unsolicited fake debt collection notice via bulk consumer mailer from Jefferson Capital Systems LLC. The notice was sent to my home address for " XXXX XXXX XXXX XXXX '' to pay an alleged debt of {$2400.00} purchased from XXXX XXXX Bank Checking ( XXXX Reference # XXXX ). I have no affiliation with XXXX XXXX, XXXX XXXX XXXX, Jefferson Capital, nor do I owe any outstanding debts. This appears to be a bulk mailer scam to trick random consumers to make payments on falsified debt information. I have included pictures of the mailer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( Equifax, XXXX and XXXX ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Debt collection

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I couldn't seem to get ahead of my Amazon ( Synchrony ) and XXXX 's charge accounts as the balance never seemed to go down. It wasn't until I looked at the statement that I saw I was being charged XXXX XXXX interest. I had no idea that these accounts were Variable Interest and they had jacked it up this high. These companies hide this information in the statement which most people probably don't take the time to look at. And ... credit card and other credit companies always ask you to go paperless and IMO they do this to make it more likely you won't look at the statement online and see any rate changes they've made.
Product: Debt collection

My wife and alI are victims of identity theft the company XXXX XXXX XXXX XXXX is very much aware of this yet they turned an account that was not ours after receiving verification from the Official police report, to a collection company called, Blackwell Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  withdrew {$6000.00} from my account because of a recurring payment I had setup with a Barclay card.

The problem is that the Barclay card was closed months ago and I forgot to close the account. 
XXXX XXXX XXXX  still processed the payment on XX/XX/XXXX. 
I realized the problem happened in XXXX and gave a call to Barclay and they informed me that the return was submitted. 2 months have passed and I have not received my money back. 
I have called both banks and neither bank can figure out where my money went. 

I am looking to see if you can provided me with information on how to handle this problem.
Product: Mortgage

I submitted a check for the XX/XX/XXXX payment to Ditect on XXXX-18. The check was in the amount of {$270.00} but was never posted to my account. I have talked to several Ditect reps about the issue and faxed in proof that the check was processed from my bank. They have failed to apply it to the mortgage account. According to one Ditect service rep, issues like this happen often. I fear that this has happened to many of their clients and they are taking advantage of other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below regarding XXXX XXXX acct # XXXX : This company was involved in a class action settlement and they were in violation of the UCC code. I have submitted documentation proving that my account is involved in the class action settlement and Experian refuses to delete the tradeline despite clear evidence that deletion of the tradeline is one of the clear agreements of this class action settlement. I will reattach the documents showing that my account is part of the class action settlement once again and I would like for the documents to actually be reviewed this time. I will pursue legal action if this account remains on my credit report after this dispute.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CAPITAL ONE ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CAPITAL ONE ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX
Product: Debt collection

I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.
Product: Credit reporting or other personal consumer reports

to whom this may concern, I was never late on the paid off account listed below Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. if you can not supply this please delete this alleged late payments from my credit report. the item in question are XXXX XXXX XXXX XXXX XXXX XXXX Comenity bank/Kay Comenity Bank/Kay After doing so please provide me with an updated credit report reflecting the changes. 
XXXX XXXX
Product: Mortgage

Around XXXX XXXX XXXX I was injured and was struggling to pay the mortgage anyway. I was approved for a mortgage from Vanderbilt and I can not afford the payments they have me on, much less when I was injured making pass than I was originally. I had called multiple times from XXXX XXXX to XXXX XXXX to try and rework the contact or payment, with no luck I was unable to do so. I am now in a payment I cant afford to bring food to table because of, even though they ran all information, and am struggling day to day to provide for my kids and family. The mortgage company takes advantage of people who work hard and try to live a great life, but they want to take it all away with their unaffordable houses.