23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am formally complaining about Zelle 's ability to protect consumers. I had 2 unauthorized charges for {$1000.00} each, and attempted to have Zelle get the money back. They made it seem like it was impossible and could do nothing for me. They told me they would put a note somewhere and document it as fraud, but said I would probably not see the money and there was no one else I could speak with. I also talked to my bank who said I need to talk to Zelle.
Product: Debt collection

I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.
Product: Debt collection

In XXXX I was in an XXXX relationship, I left the property in question and informed the manager of my situation. 2 days after leaving, a man whose wife was having an affair with my ex caused damage to the apartment. I spoke with a lawyer who claimed he was representing the apartment complex. Explained the situation and was told my name would be removed from the issue. Never heard anything again about it. On XX/XX/XXXX I received a notice in the mail from Kings Credit Services. This notice simply stated the amount and " Re : XXXX XXXX  and various others '' along with the debt amount, debt collection agency 's name, address and phone number. There was a important consumer information disclaimer stating that it was an attempt to collect a debt. There was no information on my rights, or how to dispute the debt. When I contacted the agency on XX/XX/XXXX, I was informed that there was a judgement against me. I had no knowledge of this prior, and was never provided paperwork. XXXX XXXX, the representative I spoke with, claims that I was served by proxy with the papers given to someone I was close with. I reached out to this person and they have no recollection of this. Further, the company never mailed out any other documentation to me. Literally the notice I received in the mail on XX/XX/XXXX was the only piece of mail received from the debt collector, and it does not state anything about my rights at all.
Product: Debt collection

I have sent certified letters since XX/XX/2020 requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. I also have attached your responses on 2 separate occasions via the CFPB portal. In either response did you provide sufficient documentation. I have also attached the required documents. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number 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 an account without my written instructions.
Product: Credit card

I filled out the personal financial management application that is required by NFCU to obtain help with payments. My request was denied and the representative told me that they wouldn't offer me any assistance because I had received assistance in the past. However, they offered assistance to my husband- who has also received assistance in the past for exactly the same type of issues/hardship and for the same amount of time. I know because I had a poa to be able to request this assistance on his credit cards and loans. I discovered that he had been approved for assistance when the joint credit card we have showed a lower payment and an interest rate of 3 %. Meanwhile I am not able to receive assistance on my individual credit card and loan. I have attached a copy of the credit card statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} PORTFOLIO account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX  account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

XXXX claimed that I received a package that was mailed to the wrong address. I informed them that I did not receive the merchandise and I did not live at the incorrect address. They stated that they would mail me a dispute form. I never received the dispute form and I attempted to get it sent to me again. It did not come to me. I have been disputing this charge for at least 3 years. I can provide my address to the reporting agency to show I did not live at the address mentioned. They can investigate if I knew those people at that address if they choose and they will find me innocent. This has caused me grief and hurt my credit for years. All I wanted was my charges to be removed for STOLEN merchandise. I now want all {$640.00} in charges and history removed from my credit report now. Deville Asset Management, can you show me a signed slip that I received the merchandise, if you do, I bet it does n't match any of my signature types. This is completely unfair and embarrassing.
Product: Checking or savings account

There was {$70000.00} fraudulently wired out of our XXXX  account on XX/XX/2023. This account was at Wells Fargo Bank. They will not return our funds. We did not give our permission, user name or password to anyone. Wells Fargo states on their website that if there is any unusual activity they would contact us. We were not contacted. This account is used only XXXX  a year and money has never been wired out. We need assistance in recovering our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, Transunion Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. Did not consent to unauthorized inquiry. 


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

I, XXXX XXXX, am not able to be approved a load because Clarity has a freeze on my account that I NEVER requested. online and telephone updates couldn't be made because they say they couldn't verify my information. 

I will lose approval for my loan request if this account is not unfrozen ASAP.
Product: Debt collection

I have repeatedly requested information/ VALIDATION on this alleged debt, bearing my signature and/ or any contractual agreement. To date I have yet to receive ANY communication from this company. I first found out about this alleged debt, when I pulled my credit report on XX/XX/2016. All of these acts are a violation of the FDCPA and the FCRA. Failed to validate-FCRA section 609, Reported a debt to Credit Agencies, inaccurately ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ), failed to report a debt disputed as a collector-FDCPA Section 807 ( 8 ), did not validate the debt and reported it to the Credit Bureaus-FDCPA section 809 ( b ). These are just a few of the violations. I have never done any business with JH Portfolio Debt Equities, never signed a contract, nor do I owe them any money.
Product: Debt collection

XX/XX/2022 Credit Supreme was hired to help with 1 discrepancy on my credit report. 

XX/XX/2022 I contacted XXXX XXXX to inform him that both letters had been returned to my home ( evidence attached ). The letters sent were " GOOD FAITH '' letters, not professional debt removal letters. Per my initial consultation with XXXX, I explained my attempts with removing this information on my own and made him aware that good faith letters and direct disputes with XXXX XXXX credit card XXXX have already been attempted and a more aggressive credit repair was needed. 

The discrepancy was improperly disputed. Every letter Credit Supreme sent to XXXX and XXXX was RETURN TO SENDER ( per the evidence attached ). The credit bureaus have no record of a dispute attempt for the item in question. 
I requested a REPLACEMENT round of letters to be sent out. 

XX/XX/2022 I called XXXX to check the status of my new round of letters being mailed out. He assured me they were mailed out the day I inquired about them, XX/XX/2022. 
I asked for proof, but he declined. 

XX/XX/2022 I received ANOTHER letter from XXXX that was returned and stated a dispute has not been initiated due to Credit Supreme sending the letters on my behalf. 
I made Credit Supreme aware of this and asked for it to be rectified AGAIN. Per XXXX XXXX, he was not going to send out another round of letters for " round 1 '' because the " round 2 '' date was a week or 2 away ; even though I had already paid for the initial round and the bureau never processed the disputes. 

I was charged for services that were not rendered properly. The letters being return to sender and the disputes never being filed means that services were never rendered at all. I asked to cancel the membership. XXXX 's confirmed my cancellation via text. 

XXXX I was charged for services after making it clear I wanted the product cancelled. Due to the 1st round of letters never making it to the credit bureaus to be processed and Credit Supreme refusing to replace round 1 letters, there were no services rendered!

I asked for a refund, Credit Supreme declined.

I disputed the charges with my card company and I was found to be not liable under the guise of " paid for services/items that were never received ; services not as expected '' Credit Supreme sends out a wrongful collection to my XXXX credit report for a fee that shouldn't have been charged due to the letters being returned and them refusing to rectify the issue to satisfy the service I paid for. 

DOCUMENTATION ATTACHED
Product: Debt collection

I was a client of XXXX and they recently filed bankruptcy and sold my line of credit to SST. I am very skeptical about SST as they cant fully verify my information, their email addresses dont match, their website doesnt match, etc. everything about them screams scam. I dont feel comfortable providing bank information nor any of my personal information to this company until I am shown proof of their legality. In a world where we have to be cautious with our information. I do not want to provide any financial information to a company that are not consistent nor provide additional information in regards to the company as well as my supposedly owed debt.
Product: Credit reporting or other personal consumer reports

i been disputing this account with this company for over 1 year that account is not mine XXXX XXXX account XXXX XXXXXXXX
Product: Mortgage

I refinanced my home loan with Rocket Mortgage in XX/XX/2020 after having my loan with XXXX XXXX for over 10 years. Everything went fine until I noticed the mortgage insurance for {$1000.00} a year. I called and spoke with XXXX and I was told I had to pay that for at least another 10 years. I really wish they would have mentioned this during the process. This is going to cost me {$10000.00}. More then I saved refinancing my loan. I think this charge should be taken off my loan. My house is worth XXXX the mortgage amount.
Product: Mortgage

I have been working with nations direct mortgage for the past XXXX  months. I have had the worst experience. I was advised that I was approved for a modification. And then there was no follow up from anyone, including many managers. When I finally was able to get with someone they stated that I would have to start the modification process all over because their agent submitted the wrong application. This company has no interest in helping clients experiencing any type of hardships, all they care about is collecting XXXX to process your payments. Someone needs to review their procedures and ensure they are following the guidelines properly for FHA loans. They have had XXXX complaints reported to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ipreviously disputed this account and requested validation of the debt, but I have not received sufficient proof. Despite my requests, the debt continues to be verified without proper documentation.

I am now formally requesting that this company TRANSWORLD SYSTEM 1. Verify and provide proof of the service ( s ) rendered, including the date of service.

2. Provide an itemized bill detailing the charges or services associated with this account.

I am entitled to full validation of this debt. If you are unable to provide the requested information, I kindly ask that you cease further attempts to collect on this account and notify the credit bureaus to remove any associated entries. 

Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF EDXXXX DEPT OF EDXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a credit line increase on my XXXX XXXX XXXX credit card on XX/XX/2023. On XX/XX/2023 I was notified that XXXX pulled my credit report and did a hard inquiry with TransUnion for the increase. The fact that XXXX would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for XXXX to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.