23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX years ago I entered in an agreement with the law offices of Rausch Sturm LLP to settle a debt owed to XXXX XXXX. The agreement was for {$43.00} a month for a total of {$3100.00}. Last month I received a letter from the debt collector stating the agreement balance was {$43.00}. Which would mean the original agreement would be fufilled. Fast forward to this month and I received another notification that my agreement balance was {$760.00} and they would be withdrawing another {$43.00} payment. So, I contacted via phone and was told my balance was {$1100.00}. I ask them how, when you sent me a letter last month showing the amount of XXXX more payment with said agreement. The lady tells me I have interest and court cost that needs to be paid. This should have been included in the original agreement that we agreed on. She couldnt explain to me why my new letter said {$760.00} but she verbally told me I owed {$1100.00}. Seems like a money making scheme to me. Please investigate this, I notice online several complaints about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : Bank Of America, Violated Regulation E and Wrongfully Reported Me to XXXX, Consumer ID : XXXX To Whom It May Concern : I, XXXX XXXX submitted two complaints to the Consumer Financial Protection Bureau on XX/XX/2020. Both complaints were in reference to, Bank of America wrongfully, falsely and illegally submitting my personal information to XXXX. Furthermore, submitting inaccurate statements and claims to XXXX referring to suspected fraudulent account activity. The Consumer Financial Protection Bureau complaint number, against Bank of America is XXXX. The Consumer Financial Protection Bureau complaint number, against XXXX is XXXX. 
Both Organizations have submitted their response to my complaints ; which is included within this letter for review. However, my consumer complaint has not been resolved and Im taking additional action to reach a resolution. 

Bank of America did not provide any material or real evidence to support their claims and wrongful submission to XXXX. Nor, did Bank of America provide any material or substantial evidence to support, they conducted an investigation, in accordance with Federal Regulation E. When a consumer disputes an electronic transactions. The Financial Institution has a legal obligation to conduct an investigation. Furthermore, the Financial Institution has a legal obligation to provide a dispute number,  provide provisional credit if applicable, send a written letter within 10 days of the complaint, has up to 90 days to complete an investigation and must provide a final letter of resolution, to the consumer. 

Bank of America, violated Regulation E by not conducting an investigation. Even though, I verbally requested one, within their branch located at XXXX XXXX XXXX, XXXX MD XXXX. They did not provide a dispute number or claim number. They did not send a written letter of confirmation referencing my dispute. They did not send me a final letter of resolution referencing the outcome of the investigation. Bank of America illegally took matters into their own hands, violated Federal Regulation E and violated my Constitutional Rights.

According to United States Federal Law, any and all Institutions found in violation of Federal Regulation E. May result in liability for the actual damages sustained by the consumer, statutory damages of {$100.00} {$1000.00}, class action damages in the lesser of {$500000.00} or 1 % of net worth, as well as reasonable attorneys fees and costs as determined by the court. See 15 U.S.C. 1693m ( a ). In addition, there is also a criminal liability component of Regulation E for knowingly providing false or inaccurate information or otherwise failing to comply with Regulation E. 


I, XXXX XXXX am requesting my personal information, illegal submitted by Bank of America to XXXX be nullified. In addition, Im requesting Bank of America provide evidence to all State and Federal Agencies listed within this letter. Showing an investigation was conducted in accordance with Federal Regulation E.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XX/XX/XXXX {$6700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want to thank you for helping the public. You are a great help. 
This is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me today.
Product: Credit card or prepaid card

**The defective five XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX for the return was delivered on Tuesday XX/XX/2018 at XXXXXXXX XXXX  and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 


**The three defective XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 



**The two defective XXXX XXXX XXXXXXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX   Tracking Number XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 

**The defective XXXX XXXX XXXXXXXX XXXX gift card was returned via XXXX as requested by XXXX Customer Service . The XXXX XXXX XXXX  XXXX XXXX XXXX for the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the dispute in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX  through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report
Product: Debt collection

I pay capital one there XXXX off now there saying I owe XXXX. but not due till XXXX but report me to all XXXX credit B late payment but my payment not do till nov.when I spoken to customers service and supervisors. They see that and refuse to report to the XXXX XXXX XXXX that they made mistake her XXXX not do till XX/XX/XXXX but instead they keep jacking my credit up now with this late payment
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 has not only neglected to protect consumers but 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 the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card showing 30 days late on all my credit reports.
Product: Student loan

Hello, On XX/XX/2023, I sent a letter of debt validation. This letter was specifically asking them to please validate the debt that I supposedly owe. They ignored the letter and kept calling my phone in which is a violation. I sent another letter in XX/XX/2023 and got an email stating that they received the letter and will send proof of validation. I never received the proof. Instead I have received calls and they reported supposed late payments to the credit bureaus of a debt they still have not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial bank is reporting on my personal credit report, but this account belong to a Person named XXXX XXXX  XXXX. I have a few letters in my file that show that on the XXXX of XX/XX/2018 they sold this account to XXXX XXXX XXXX, but together they sold also all my personal confidential informartion as SSN, phone number, mailing adress etc etc. I contacted Ally and 2 representative told me they couldn't find any account in their file under my name. I have disputed this account true the 3 mayor credit agencies many times but Ally Financial denied to delete this account from my credit report. I have requested in previous ocations to send me the original signed contract of this account and also any document that shows they have the right to sell my personal information. Till this day no response from them. I DISPUTED XXXX  AND THEY DELETE THEIR ACCOUND FROM MY CREDIT REPORT
Product: Vehicle loan or lease

ubject : Dispute of Charged-Off Account and Missing 1099-C Form Dear Capital One Auto Finance, I am writing to dispute the information reported regarding my account. specifically the " charged off '' status that has been indicated. According to IRS guidelines, when a debt is charged off, the creditor is required to issue a Form 1099-C, Cancellation of Debt. 
As of today, I have not received the 1099-C form for this account, and I believe this constitutes a failure on your part to meet IRS reporting requirements. I am requesting that you either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account entirely if no 1099-C is issued. 

If this matter is not resolved promptly, I will have no choice but to contact the IRS and report this as potential fraud and noncompliance with federal tax laws. I expect to hear from you within 30 days to confirm either the issuance of the 1099-C or the removal of the charged-off notation. 
Please treat this matter with the urgency it deserves. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized credit inquiries from my credit report. Despite previous attempts to resolve this issue with the credit reporting agencies and the creditor involved, the unauthorized inquiries remains on my report. 
The continued presence of these unauthorized inquiries are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). Kindly help me to remove the unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I have had a Citibank credit card for a number of years, which was enrolled in auto pay. This card carried no balance for a number of months. In XXXX 2015, I accumulated a balance due to some purchases. I knew this card was enrolled in auto pay and did not schedule a payment as it would be debited automatically according to the autopay instructions. On XXXX XXXX, I was charged a {$26.00} late fee. I became aware of that and paid a payment and I also contacted Citibank to understand why it had not autopayed according to the instructions on file. They indicated that autopay had been suspended due to inactivity. However, I never received notice that this was the case ; thus, I do not believe I should have been charged a late fee. Moreover, I have repeatedly tried to re-enroll in autopay and when I enter the information, I just get a blank screen after entering it. I brought this to Citibank 's attention and they had no solution for me. I would like autopay reinstated and the late fee reimbursed.
Product: Credit card or prepaid card

Bank of the West Credit Card- I had the card roughly 8 years. 

1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address. 
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen. 
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019. 
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated. 
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work. 
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account. 

In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account. 

I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw another account from Receivable Management Services LLC for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Product: Debt collection

Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX   agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX  has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.
Product: Debt collection

I paid the debt with the collector. I asked that my personal information be deleted, since I did not contract with them - the owner of the debt did. They have all my vital information-ssn, address, birthday, phone number. I talked to two individuals. Both said they were unable to delete my file, that their system did not have that option. I have no contract with them. I owe them nothing. I want my personal information deleted since there is no further business with them. There is no reason to maintain this file.
Product: Checking or savings account

I have been trying to get the balance on my checking account for years now and the bank claims it was closed in XXXX of 2009 when I used it after that in XXXX to pay my bursar account at IU. I also gave them a film script I wrote that was made years later and would like my XXXX dollars for it. Along with my investments and earnings from that.
Product: Money transfer, virtual currency, or money service

Money was sent via XXXX using my capital one bank account without my consent by another individual, amounting in XXXX dollars, I reported this to my bank and denied my claim and will not get my money back which a representative at XXXX stated my bank can do, and has to do because it's XXXX 's policy, but my has to be the one to reclaim the money because it was done through the capital one mobile.
Product: Money transfer, virtual currency, or money service

I deposited 2 checks for the payment of a sofa and a pair of boots. I deposited the first one on XX/XX/2019 for {$1900.00} and the second on XX/XX/2019 for {$1800.00}. I was sent extra money to pay " movers '' to come on behalf of the buyer to pick the items up. Once Capital One cleared the checks, I waited until the funds were fully available and they emailed me saying it was okay to rip the checks because they had gone through. I then proceeded to pay the movers and was called shortly after to inform me that they were fake. The bank then took the money away meaning that the XXXX payments I made using the money from the checks was replaced with MY OWN MONEY ALREADY EXISTING IN MY ACCOUNT. I proceeded to put 2 claims on both XXXX transfers as I would not have touched the money from the checks, had the bank not failed to clear them. I was told numerous times by Capital One representatives on the phone that the first XXXX transfer had already gone through but that the second one was pending still and that the money had not reached the recipient. I now know that both recipients were fraudulent and given that my own personal money replaced the checks funds in the XXXX transfer, I am entitled to getting my money back. Numerous bank representatives told me on the phone and in person in the XXXX XXXX branch that since I had my own money in the account, I was entitled to get it back as what I am arguing is that the bank wrongly cleared checks and told me to proceed to use the funds and then refused to help me get my own money back once they reversed their checks and sent my own money in the XXXX transfers. I did not authorize my own money to be sent, I authorized the check 's funds to be sent which the bank cleared and SHOULD NOT HAVE. Please help me get my money back. The conversations with the bank are all recorded and all the evidence of their wrong doing is there. I was already told in a previous complaint that they were trying to get the money from one complaint back and after they kicked me out of the bank, froze my account and left me penniless for almost 3 months, they have failed to help me get out of a problem that they got me in the first place.
Product: Checking or savings account

IRA Requested transfer rollover From TIAA to XXXX. Advised of CD Maturity XX/XX/2021 Process initiated XXXX, XXXX. Within 10 day grace period. Tranfer forms by USPS, FAX and XXXX  XXXX. 
I am dealing with XXXX initially spoke with multiple Client specialist with little information. 15 plus calls to TIAA. Average call duration 45 mins. Multiple holds for greater than 15 mins. 
Others at TIAA ; XXXX XXXX, XXXX XXXX and XXXX XXXX. 
-No holding money market or cash account available at TIAA for mature CD for IRA 's according to Client specialist by phone. 
-TIAA Rolled over my IRA into an extended 42 month CD against my wishes. 
-Initial email from TIAA requesting XXXX signature not received. My requested copy of email sent on XX/XX/2021. This delayed processing. 
-Inconsistent information. Always " no penalty if transfer/rollover process began within 10 after IRA/CD maturity. 
-Now penalties imposed going back pre-renewal of Bank imposed CD renewal. 
I should not have penalty fees after interest earned was credited to the Original EverBank 42 Month Bump Rate CD. I did not want the New TIAA bank to extend the CD another 42 months. They forced the renewal due to the lack af a cash/money-market account for IRA/CD 's at maturity.