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

On XX/XX/2022, I asked an XXXX XXXX agent to provide me with a link so that I could upgrade my XXXX XXXX  account to an XXXX XXXX  account. I told an online XXXX agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online XXXX agent, this conversation is in writing, where I expressed many times to XXXX XXXX that I did not intend to open a new account. Days after clicking and signing the link XXXX provided me, I noticed that in addition to having my existing account with XXXX upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called XXXX customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next XXXX years, I will have this opened and closed XXXX XXXX account ( Dated XX/XX/2022 ) on my credit report, which XXXX opened against my wishes. I would like this removed immediately from my credit report, and XXXX should work with me in this process.
Product: Credit reporting or other personal consumer reports

This company reported late payments as of XX/XX/XXXX and XXXX XXXXXXXX. I called and sent a letter to the creditor but did not receive a response. 

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under, 15 U.S.Code 1681a Section 602 states I have the right to privacy 15USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose. 

This account is open
Product: Debt collection

This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Debt collection

I consumer XXXX XXXX is being violated by Brain A BLITZ P.A. I sent documents to this office due to this company taking money out my check for the last few weeks. I have no knowledge of this debt. I request validation of this debt but now was given. This company is in violation 15 usc 1692 b ( 2 ) 15 usc 1692 b ( 5 ) 15 usc 1692 b ( 4 ) 15 usc 1692 c ( a ) 15 usc 1692 c ( 1 ) ( 3 ) 15 usc 1692 d 15 usc 1692 e Please send me any and all documents to validate and verify who this debt belong too. Attached are the documents that were sent to me when I asked this debt collector to validate this debt.
Product: Mortgage

Hello I filed covid 19 with veteran 's united homes loans, they sold my loan to a debt collection agency, now XXXX XXXX XXXX is asking for the lump sums of money during my covid 19 hardship I was experiencing during my loan through veterans united home loans. How can a company do this during a hardship situation. I had my car reposed during this time also, was behind on all my bills during the crisis situation. I currently started working again this year in XXXX, 2023
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 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 2 states that 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681b permissible purpose of consumer reports Section ( a ) states In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1681 s-2 ( a ) ( i ) Exclusions. states Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 624, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Vehicle loan or lease

my vehicle was stolen in XXXX of XXXX my insyrance company did XXXX XXXXhat lasted 6 months during this time ( XXXX of XXXX my finance co did a charge off ) the finace company sent me an email that stated if i were to send them 10 percent of the remaining balance they wud close the account.. i called and spoke with a representative and was told {$3300.00} wud close the account. i also was told if the insurance company sent them a check they would take the XXXX and send the balance to me. i then called the insurance company they sent papers for me to sign. then sent the finance company a chck for XXXX now the finace com pany is denying they said what they said fortunatly i have a copy of the email. isnt his a breech of a verbal contract they say i owe XXXX i have no car no nothing please help this is juyst not right
Product: Checking or savings account

On XX/XX/XXXX, Bank of America made changes to the fees policies on Regular Savings accounts. I recently noticed that I have been charged monthly maintenance fee ( {$5.00} ) since they made those changes. I called a representative on XX/XX/XXXX to inquire about when they sent out these changes and a representative informed me that they would not have. The only way I would have been able to know about the fees was by looking at my monthly statements. Prior to the changes, I qualified for the waiver of such fees as I made the minimum monthly transfer ( {$25.00} ) from my checking account to savings. So to go from the fees being waived to not having any notices sent out to customers about the changes, I very annoyed. When I opened my checking and saving, I opened the two accounts linked together and inquired about how I could avoid these maintenance fees and I have made sure to maintain those features that would avoid paying them. Over two years - since XX/XX/XXXX - I have been charged these fees and did not receive any notice to inform me of the modifications they made to their structure. That is a total of {$130.00} in monthly fees that have been applied to my account. 

I spoke to another representative also on XX/XX/XXXX about my savings account, which when I opened was linked to my checking account. According to the new Regular Savings fee policy, one way to avoid the monthly fees was by having the Regular Savings linked to a Bank of America Interest Checking account, which I did have. But the other representative informed me that my savings account was not linked to my checking, which was not the case when I opened it. I initially did not want to open a savings account with Bank of America as I had concerns about these fees ; however, a financial professional informed me that there are ways to avoid them in addition to linking the account to my checking. After being informed of the policies and how I could open the savings account LINKED TOGETHER with my checking, I obliged. Come to find out from the representative I spoke with that my saving account was never linked to my checking account. I specifically opened both my savings and checking together and had the save-as-you-go feature, which takes change from my checking to savings for each debit transaction. I am not exactly sure what other changes were made to my accounts that separated them or not have then associated.
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 violates the consumers 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

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
Product: Credit reporting or other personal consumer reports

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, Equifax, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Product: Credit reporting or other personal consumer reports

I want to file this complaint with TRANSUNION.I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting charge off accounts with past due balances on my consumer report a violation of the FCRA with maintaining an accurate report. The IRS considers it income and you can not collect an alleged debt and income at the same time. It is damaging to the consumer and inaccurate information that must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checksystems refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from checlsystems consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet checksystems illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
XXXX section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also comments post offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting

I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
Product: Consumer Loan

In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ). 

This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank. 

In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX. 

Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.
Product: Credit card

XX/XX/XXXX This dispute in the amount of {$3600.00} was resolved and closed by the credit card company and was found in my favor. 

XX/XX/XXXX They think that 42 weeks later they are going to attempt to recharge my account that is paid in full the {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXX of 2022
Product: Debt collection

I am on XXXX and I fell on hard times and I'm trying to catch up on all my bills and I speak to a representative one day and the very next day another representative calls me and the next day another one caused me sometimes two and three times a day after we have already made arrangements to come in. They're calling in all time of the day and all the time of the night. They have a very rude and bad attitude and I'm just sick of them calling me so much when I told them that when I get paid and I have enough money I will bring them a payment. They act like they don't hear me the first time and they called again and another one called again and it is really getting annoying and harassing me
Product: Checking or savings account

Capital One 360 is a terrible bank that likes to lose customers for no apparent reason!
Product: Credit reporting or other personal consumer reports

My XXXX XXXX was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get MOHELA to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed
Product: Debt collection

First Notice from Rash Curtis Assoc On XX/XX/XXXX, ( received XX/XX/XXXX ) letter with an attempt to collect a medical bill from XXXX XXXX XXXX XXXX  located in California. Rash Curtis provides client ID # XXXX for {$39.00} date of service XX/XX/XXXX. I replied with a dispute on XX/XX/XXXX. To inform XXXX XXXX the medical bill is a fraud never lived in the state of California. 
Second Notice On XX/XX/XXXX ( received XX/XX/XXXX ) letter in an attempt to collect a medical bill from Rash Curtis to collect a debt from XXXX XXXX XXXX located in Texas for the date of XX/XX/XXXX for {$28.00}. I replied with a 2nd attempt to dispute the medical bill. The notice had the same client ID # XXXX. Again replied the medical bill is a fraud and never had any services with this hospital group. I also include a letter dated XX/XX/XXXX with fraud alert notice of data breach with my identity information from XXXX XXXX XXXX. I did proceed to contact all three credit bureaus to put a fraud alert on my identity. 
Third Notice On XX/XX/XXXX, received on XX/XX/XXXX, Rash Curtis again, the third attempt with original services located at XXXX XXXX XXXX XXXX, Texas. 
On the third attempt, Rash Curtis Associate again is demanding payments with a threat to damage my credit for the date of XX/XX/XXXX. The location had changed from California to XXXX, TX which is over XXXX miles apart. 
However, Rash Curtis has changed the location of the states and the medical reference name but with the same client ID # XXXX to make their collection legal to collect this fraudulent medical billing debit. I had informed Rash Curtis Associates of this error to collect this medical debit and it is a fraud. But Rash Curtis is still sending letters attempting to collect an old medical bill from XXXX. Before the four years, the collection will be invalid. 
I have never received any previous medical billing from the client ( s ) XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

I was contacted by collection agency Brumbaugh and Quandahl ( in XX/XX/XXXX ) out of XXXX, Ne re :  XXXX XXXX XXXX student loans. I began monthly payments to BQ and in XX/XX/XXXX the debt was settled. My dad took a check to their office in XXXX. I received a generic letter stating the debt was settled. Fast forward to XX/XX/XXXX, I am trying to complete my XXXX degree. I need to secure grant money in order to used my employer 's tuition reinstatement program. I completed the FAFSA and was told I have 2 Student loans in default. I provided the clearance letter to XXXX University and was told there is not enough information on it. I contacted BQ and was told the case has been closed so long there is nothing they can do to provide specific evidence of clearance. If this is not settled fast I will loose the {$2400.00} I become eligible for between XX/XX/XXXX as it must be used before XX/XX/XXXX, the XX/XX/XXXX-XX/XX/XXXX tuition assistance from my employer. I have read that XXXX XXXX XXXX was suing to collect debts they could not prove. BQ or the servicer never reported clearance to the Dept of Ed.
Product: Student loan

The company is committing massive fraud for thousands of consumers daily and will not stop
Product: Debt collection

Financial Recovery Services continues to contact me even after receiving a letter requesting debt verification as well as a cease and desist notification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX, 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 reporting, credit repair services, or other personal consumer reports

The credit reporting agency Equifax allowed a massive data security breach ( 143 million people affected ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. 

Equifax was irresponsible and careless in regards to the cyber security of my personal and financial data along with the other 143 million people affected. Equifax mishandled my data including names, Social Security number, birth date, addresses, credit card numbers and potentially my driver 's license and possibly more. That puts me at risk of identity theft and fraud due to negligent security practices in handling consumer information. I confirmed that I could be affected on the website, www.equifaxsecurity2017.com. 

There is nothing I could have done to prevent this. The responsibility rests solely on Equifax. I have initiated a fraud alert on my credit file and am seriously considering paying for a credit freeze to be extra careful.