23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company reported to my credit report before notifying me of the existence of this debt. I went to pull my credit report in XX/XX/XXXX and find this negative reporting item that I didn't know existed. Original Creditor is XXXX XXXX. I didn't know I owed a final bill and thought this was paid off and taken care of before I moved to my next address. OC never notified me of this debt and credit reporting company Diversified Consultants never reached out. I still haven't received a final bill. I called OC to verify the debt that was on my credit report, and they did an escalation in XX/XX/XXXX to see if this debt was legit before I would called the credit collection company. They verified it existed in XX/XX/XXXX. I tried to call diversified once, they said they wouldn't delete it from my credit report as a pay to delete although the circumstances, because their company policy states they do not delete any debt. This makes no sense, they reported this debt without notifiying me of its existence, and now expect me to pay it without them doing a pay to delete. I am not arguing the existence of this debt after talking with XXXX, I am arguing the fact that I was never notified of its existence, and I want it off my credit report, because if I knew about it, I would have paid it to prevent even going to this level. 

I called again on XX/XX/XXXX at XXXX XXXX to verify if this was still their stance. Even after hearing the story and getting management ( XXXX XXXX ) involvement, they are still unable to produce a pay to delete. 

In my experience, the debt MUST be notified to the consumer and then reported. I still have not received the bill that this company has this debt, they haven't even verified my address even after I told them that I never received any information regarding a debt. They will only take payment and not get this account deleted. I understand company policies, there needs to be exceptions for the people who actually are unaware of these debts. This is a {$350.00} collection that I would have immediately paid if I knew about it and I want it deleted from my record and I want to pay it for the deletion from my credit. When somebody is trying to pay their debt IN FULL, and lets you know of the circumstances revolving its existence, there needs to be someone that has the power to override a policy that is put in place to keep things reported for people trying to escape or not pay a debt.
Product: Money transfer, virtual currency, or money service

Im reaching out to express my concern about zelle handling of disputes. Particularly 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 many claims. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPB indicate that zelle has not only neglected to protect me as a consumer but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$290.00} with LVNV FUNDING LLC, LVNV FUNDING LCC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Debt collection

Phones calls are frequently being made around the same time every day, usually during inopportune times. The phone numbers always change, so no matter how many times I block the number, they continue to call me from different lines. No messages are left. 

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: Mortgage

NewRez LLC d/b/a Shellpoint Mortgage Servicing is refusing to update my account accurately, and illegally attempting to collect {$38000.00} that was dismissed with XXXX in court. They took me to court in XXXX, and the document stated that as of XX/XX/XXXX, I was in default of {$38000.00}, they stated I had to pay that amount within XXXX days or my automatic stay would terminate. This order was denied with prejudice ; which means they can not continue to pursue this amount from me in any form. Instead of complying with the court order NewRez is claiming that the judgment was not for the Affidavit of Default they filed. They have provided me with any other documentation to validate that claim at all and refuse to. If they won that case they would have foreclosed my home and put me out if I didn't pay that amount. So I'm confused as to why they seem to think it's OK to continue to pursue money a judge stated I did not owe and denied. 

They are also adding additional charges to my account every month, withholding payments made on my account into unapplied funds for months at a time. I have been trying to get them to adjust my account for well over a year and they continue to refer me to their lawyer, and the lawyer in turn refers me back to them. So I have been getting the run around since my last complaint in which they admitted that my automatic stay was still in place ( this was part of the Affidavit of Default they claim was not denied ). In XXXX ShellPoint Representative sent in response to CFPB File # : XXXX stating that the following balances were owed thru my Chapter XXXX bankruptcy Pre-petition - of {$3700.00} and Post-petition {$5100.00} ( total {$8800.00} ). I have made all of my bankruptcy payments on time since then but yet as of XX/XX/XXXX they are showing my bankruptcy total amount owed {$17000.00}. 

My XXXX balance continues to increase ( negatively ) as well my overall balance due. In XX/XX/XXXX it was showing {$39000.00} ( this was never fixed from the court case ), and today only 4 months later it has increased to {$56000.00} despite me paying every payment since Shellpoint has had my mortgage since XXXX. On top of that Shellpoint is no longer adding my statements to my online account since XX/XX/XXXX for some reason... I guess so I don't have a record of all the new charges they plan to increase my account to.???
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I was in the XXXX XXXX XXXX and a girl sent me a check for her security deposit. However, she sent over {$3000.00} and claimed it was also for her leasing car. So I transferred {$1800.00} since my balance was showing the authorized transaction of {$3000.00} already. However, after 12 hours, I looked back, the bank revoked my check, and I lost that amount of money that I transferred. The bank here is Wells Fargo. However, I believe the situation is universal to all banks. They will deposit your check right away, and scammers use this way to try to make you transfer the money before the check got bumped out. And Wells Fargo did not try to help me since it was my act to transfer the amount. However, the check was cleared on their system, only after then I transfer the money. This is a flaw that should not be in the banking system at all.
Product: Credit card or prepaid card

In XXXX of XXXX, a Direct Express customer service representative notified me of suspicious activity involving my account. The representative placed a hold on my account and a new card was mailed to my address. The representative assured me my account was secure again, however soon after this incident, I noticed money withdrawn from my account without my authorization. I notified Direct Express via phone of the fraudulent activity as soon as I became aware in XX/XX/XXXX, and a customer service representative notified me they would investigate my claim. I noted transactions on my bank statement that were not my authorized transactions and mailed this information back to Direct Express. 

The investigative process into my claim was frustrating as various customer service representatives gave me contradicting information regarding my claim. Furthermore, money continued to be fraudulently withdrawn from my account during the investigative process and even into the next year XXXX ; I would notify Direct Express each time I became aware. Some of the fraudulent transactions included hundreds of dollars being withdrawn at a single time. Direct Express website has constant technical difficulties which makes it difficult for me to check my account online and receive my bank statements quickly if I needed a copy. 

I relied on the customer service representatives at Direct Express to give me accurate and timely information regarding my account because I am not technology savvy. The times I have attempted to view my account information online regarding this matter, Direct Express website was not functional. To my knowledge, the investigation has been left incomplete and Direct Express has failed to reimburse my account with any of the funds stolen. 

My life has been completely turned upside down due to not being able to resolve any of my claims of fraudulent transactions with Direct Express and get any of the money back that was stolen from my account. I see that others have had the same issue with Direct Express. I hope something can be done so that other people in the future do not have to suffer the losses that myself and others have.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a Equifax data breach on or about XXXX XXXX. I checked the Equifax official website on XXXX/XXXX/XXXX and was told I that there might have been identity theft.
Product: Credit reporting or other personal consumer reports

I purchased a car on XX/XX/2020. 
Three days after I purchased this car, I was in an accident and the car was totaled. I had insurance on this purchase as well. I completed everything I needed to with the insurance company to get the car paid off and have the account settled. There was a {$2700.00} shortage on what was paid out to what was owed. XXXX XXXX didn't even let me know I had a balance owed to them. i checked my credit report and i saw XXXX, 90 day late payments on my account with XXXX XXXX. this doesn't even make any sense as I have XXXX - 30 and XXXX - 60 day lates, only 90 day lates. Once I found out about this, I paid the account off with the settled amount and the balance is now {$0.00} but i am still feeling the pain of these XXXX, 90 day lates on my credit report today and this doesn't make any sense as the communication wasn't there on any of this.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 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: Consumer Loan

I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.
Product: Debt collection

I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..
Product: Debt collection

From XX/XX/2023 to XXXX XX/XX/2023 Ive been getting frequent/repetitive calls from XXXX. I went through them because of some furniture I had bought. I get calls multiple times a days from different numbers but mainly 1 number. I got accepted for a loan for {$1900.00} but only had to use {$1300.00}. I was told I had to pay XXXX every week which is alittle needy. Ive paid XXXX of it so that leaves me with XXXX left. Forgot to mention they are charging me XXXX instead of XXXX. They ran my credit card debt up while I lost my job and providing for my newborn. They made my credit score go low. To the point I couldnt find an apartment to accept me to live. So I paid XXXX of it but now my total is XXXX instead of XXXX
Product: Prepaid card

I was incarcerated from XXXX. My house was broken into where my phone several debit cards and other personal items and information were stolen. I made a police report and sent them paperwork showing I was incarcerated during this period of time where several transactions were made that were obviously not made by me totalling around {$1500.00}. My dispute was denied even though I provided this information I appealed and it was denied as well told them I wanted to start arbitration process several times to receive no answer in their user agreement it states that if I tell them I want to start the arbitration process they have to go forward with it and they're still refusing. I had the same issue with 2 other debit cards and they replaced my money immediately. Something needs to be done about this situation.
Product: Credit reporting

The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off
Product: Payday loan, title loan, personal loan, or advance loan

We initiated a transfer and assumption of our solar loan at the end of XXXX, it is now XXXX and even after escalating and having 2 cases opened there has been no resolution. 
We were told on XXXX our application had been escalated, we were also told that the buyers were approved and able to assume the loan, but nothing is being finalized. 

We are now in jeopardy of losing our buyers if this matter is not resolved IMMEDIATELY, which in turn would put us in a place where we can not afford to LIVE. We would lose out on over XXXX due to Regions Bank not properly processing our request.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX PDT, I called Barclays customer service and spoke to XXXX ( ID # XXXX ) to understand my trip cancellation insurance benefit and to make sure that my upcoming trip that I was thinking about canceling due to the coronavirus outbreak would be covered. She confirmed that it would and I should call the same number and they will start a claim process and I should have the refund within 7-10 days. So that night I cancelled my trip and called your customer service the next day, XX/XX/XXXX at XXXX PDT and spoke to XXXX ( ID # XXXX  ). He directed me to the department ( XXXX ) that handles the claims and I gave them all the information they requested. I was told I would get an e-mail within 3-4 business days ( Ref # XXXX ) I never got an e-mail and after waiting for a week when I called in I got a response that XXXX doesn't handle this claim and I should call Barclays. When I call Barclays, they say I should speak to XXXX and this loop has continued with no one actually listening to what I'm saying or helping, they just keep repeating the same thing as if reading from a script. I then contacted the Barclays Executive Office and received a call from XXXX ( Ext XXXX ) and she said she will look into the matter and call me back within a week. I never got a call from her, so I called her on XX/XX/XXXX and left her a voicemail - again no call back or response of any kind. I was told by XXXX that if nothing works I should open up a dispute and that would take care of it so on XX/XX/XXXX, I opened up a dispute and the charges were reversed. Now on XX/XX/XXXX, more than two months after this ordeal, i get a letter saying that they have rebilled my account. Again, when I called the dispute line they are clueless and just repeat the same canned lines over and over.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX XXXX XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax and XXXX and never received a letter back. Its been more than 30 days.
Product: Debt collection

An account was opened up in my personal bank account in XX/XX/year> by Harris & Harris. It states I owe this company {$130.00}. I did not give permission for anyone to use my bank account and did not give permission for an account to be opened. I did not recieve any notifications such as calls, emails, nor letters from this party on any matter regarding any debt. I do not understand why I have a debt with them when I am a XXXX female. I have mainecare for health insurance and nothing that I've received for medical care/treatments has been out of pocket. I do not own anything for a debt collectors agency to come after me for. I have nothing of value. I'm hoping this can be resolved, get it off of my personal accounts, and remove it from any and all records.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against TransUnion for failure to validate fraudulent accounts Dear Sir/Madam, I am writing to file a formal complaint against TransUnion regarding their failure to follow lawful procedures in validating fraudulent accounts on my credit report. I have already submitted evidence to XXXX, which has resulted in the removal of two accounts involved in security fraud and identity theft. I have attached the necessary documentation as proof of these actions.

However, I am deeply concerned by TransUnion 's response to my dispute. Despite clear evidence that all debts associated with the disputed accounts have been discharged and that the entire contract was fraudulent from the start, TransUnion continues to claim that the item is verified. This is a direct violation of my rights as a consumer and raises serious questions about TransUnion 's commitment to upholding the law.

The violations committed by TransUnion in this matter are numerous and egregious, including the unauthorized sale of my personal information to unaffiliated companies and billing errors. I would like to bring your attention to the following specific violations : 1. Certificate of Indebtedness : TransUnion failed to credit my account for the certificate of indebtedness, as required by law. This omission is a clear violation of my rights as a consumer.

2. Electronic Funds Act : The company did not credit my account for the interest on my treasury coupon, as mandated by the Electronic Funds Act. This constitutes security fraud, as I never received a money purchase loan, and the necessary documentation, such as a 1099C form and purchase agreement, was never provided to me.

In order to address these violations, I kindly request that you investigate this matter thoroughly and take appropriate action against TransUnion. I believe that the UCC 3-604 provision, which allows for discharge by cancellation, as well as the HJR192 law and the Security Exchange Act, should be taken into consideration during your investigation.

I have also taken the liberty of filing a complaint with the Better Business Bureau, providing them with the same information and evidence. I trust that both the CFPB and the BBB will work together to resolve this matter swiftly and hold TransUnion accountable for their actions.

Please find attached all relevant documents, including proof of XXXX 's removal of the fraudulent accounts and my correspondence with TransUnion. I am available to provide any additional information or clarification that may be required to facilitate your investigation.

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Debt collection

THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN THE STATE OF TN. 

I HAVE SAID REPEATEDLY THAT I HAVE NO KNOWLEDGE OF THIS DEBT. THIS IS A VIOLATION OF CODE 1692 G, and 809.

THIS IS A VIOLATION OF 18 USC 8 and needs to be removed from my credit files!