23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, The Receivable Management Services LLC, did not provide the requested documents in my previous complaint, and I would like to request them for a second time so I can verify this debt they claim I owe to them. I did not receive any written notification of this debt before it was reported on my credit report. The previous document the company provided is not what was requested and does not show proof that they own any debt or that I owe this company anything.

In light of this, I kindly request your assistance in furnishing the following : 1 ) Certified receipt : A document confirming the delivery of a notification to me 30 days before reporting the account to my credit report. It should bear my name as the recipient.

2 ) Purchase agreement : A legal contract outlining the terms and conditions of the purchase between your agency and the original creditor regarding the debt in question.

3 ) Documents with my signature : Any paperwork or agreements that bear my signature and are relevant to the debt being pursued by your agency.

4 ) Statements : Financial statements or records showing the details and breakdown of the alleged debt, including any charges, fees, or interest accrued, along with a clear explanation of how the total amount owed was calculated.

Your cooperation in providing these documents will be greatly appreciated and will aid in resolving this matter efficiently. I want to reiterate my previous request to the Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX regarding the purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with DISCOVER in XXXX of XXXX. I never asked them to send me a bill. in XXXX 0f XXXX  they sent me a bill. In this bill were FDCPA violations 15 USC 1692b ( 5 ) using symbols and profane language, 15 USC 1692 ( f ) charging interest on a consumer credit transaction, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. And violations in FCRA 15 USC 1681a 3 ( f ) aiding and betting debt collectors and agencies
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ; XXXX : # XXXX ; and XXXX XXXX XXXX : # XXXX. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing you 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 of times and reporting discrepancies, my financial institution and Zelle failed failed to investigate my claims adequately. They informed me recovering lost funds are impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

was the victim of an Equifax breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information is being reported inaccurately on my credit file. The following names and addresses are incorrect. 

NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX The only name that should appear on my credit file is XXXX XXXX. 

Secondly, they are several addresses that are being reported on my credit file inaccurately. 

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 XXXXXXXX The only name and address that should be listed on my credit file is as follows XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Please note that my employment is also inaccurately being reported. I no longer work at XXXX XXXX. 
XXXX. 

XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX was offering XXXX bonus points after spending {$3000.00} on American Expresses website. But when I called to activate my card and confirm the promotion they refuse to honor it. They offered to give me XXXX if I spent {$2000.00} but thats not what was advertised. I spoke with XXXX after I got off the phone with American Express and they told me their website states XXXX for {$2000.00} and that what I was offered was incorrect. Im not sure if its a typo or what but its false advertising.
Product: Student loan

Wells Fargo is the financial institution that handles the student loan. I have paid on student loans since XX/XX/XXXX. Most of money goes to interest, fees, late charges, and other charges that I can not account for. The loan was variable a variable interest rate. I was cosigner. I have removed my son from the loan and refinanced the note in XX/XX/XXXX. The balance was XXXX with a fixed rate of 7.24 %. My monthly payments are XXXX. I have always said with XXXX and Wells Fargo, this is predatory lending at its best. Thousands of dollars have been paid towards the loans. After 5 payments totaling XXXX, the balance has gone down {$400.00}. This is not counting the interest and fees added on since XX/XX/XXXX, so I have made no progress at all. It is never ending. I have informed Wells Fargo that even though I have -0- ZERO late marks on my credit report, I am ready to default on this loan as they have drained me dry. I am XXXX years old and can not continue to give these crooks another dime. They are awful, just like XXXX. Why can't the government step in and stop this practice. I have credit cards with higher interest rates and I can always see a reduced balance when I make payments. When I pay my auto loan, which is a fixed rate, I see the balance go down. Same as my mortgage. Why is it different with student loans. You never see any progress.
Product: Credit card or prepaid card

Bank info XXXX XXXX XXXX Situation I had had bank fraud on this account in the past and was refunded approximately {$300.00} The account was being reset and although I was told over the phone that the card is working, I, in turn, used at a grocery outlet to make sure. 

It worked THE BAD BEGINS Next situation is that I received a text to verify XXXX XXXX. Although I dont have XXXX XXXX, I remember that was one of the fraud accounts before so I checked my account for proper balance. 

This is what I was told : Balance was lower by XXXX. 
I asked how, as that my last transaction was " grocery outlet. '' They told me I had a XXXX transfer out And then returned to my account around XXXX XXXX Then another tranfer ( the one bad one ) late XXXX about the XXXX. I did nether and didnt recognize bank last 4 digits transferred to. 

I doubled checked my other bank accounts, thinking maybe I didnt remember. 


As they were verifying me, they found a Wrong email, address, and phone number. 

I told them it wasnt me that transfer and they transferred me to an operation to delete that saved banking institute. 

I challenged the XXXX transfer. 
Got.Letter declined. 
I reopened claim over the phone. 
Called the next week, ( they said it was never reopened ) I told them to reopen. 
Called a week later and they said it was closed again ( declined ) I asked them how that was possible for details.they said they couldnt give me any. They said if I had any more info, I could fax or mail. 

More info I looked at t my transfers in past. ( thinking i may have been out another XXXX ) They make it look like the XXXX transferred out ( I had a XXXX  XXXX legitimate one a couple years ago ) I called XXXX and they said they dont charge back to prepaid debit and they have had trouble with Bank of America for years and a mystery to them why the confusion. 


Conclusion Although they quickly resolved my past XXXX XXXXXXXX fraud, this one was poorly handled and investigated. In addition they dont provide you with information to make it easier, or the to complaint up the chain of command. 

I reached out to the government regulatory agency/agencies/ as a result and hope to have a speedy resolution. 

BofA has had a bad reputation and is very concerting to me and many others ( as I can assume this is not an isolated case with myself ) {$3000.00} is a sizable amount and should have major concern. 
Please feel free to contact me at any time to answer any questions or concern. 

XXXX XXXX XXXX
Product: Mortgage

I have been working with XXXX XXXX XXXX ( XXXX ) and LoanCare to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( LoanCare ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to LoanCare from the county as no payment was due. When LoanCare received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX to LoanCare and that LoanCare would need to reimburse me for the escrow shortage. I then began to work with different agents from LoanCare to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with LoanCare. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. LoanCare, a XXXX company, Nationwide Mortgage Licensing System ( NMLS # XXXX ) XXXX XXXX, XXXX : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX
Product: Vehicle loan or lease

I bought vehicle from XXXX XXXX XXXX, in XX/XX/XXXX, through the XXXX XXXX XXXX SANTANDER CONSUMER USA!. I have paid XXXX to this date, my payoff is XXXX dollars to this date, XX/XX/XXXX. I financed XXXX, I am being charged almost 27 % interest! they misled the cost and the terms of the auto loan, they are crooks. I do not appreciate being taken advantage. I have had problems with keeping up with the loan, due to the high fees and interest rates. my car has mechanical problems, and I am forced to fix it, I can not trade this vehicle in, because, I am extremely negative on the equity. Please help me and many others who have suffered enough. I need a running vehicle for my family and myself. I am also very frustrated, because they hid things that were not supposed to be hidden. Thank you-m.
Product: Checking or savings account

I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final one of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a bedridden individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almost XXXX XXXX  at XXXX  one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again.
Product: Credit reporting or other personal consumer reports

I woke up today to find incorrect accounts on my credit report, and I dont understand how they got there. I always check my report to make sure its accurate, but this time, errors showed up unexpectedly. I tried refreshing my browser over and over, hoping it was a mistake, but the inaccurate accounts wouldnt disappear. Please, I am begging for the documents I sent to be thoroughly reviewed so I can stop living with this constant anxiety.
Product: Credit card

On XX/XX/XXXX I called what I thought was XXXX XXXX XXXX Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX.. 

The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, XXXX days later I received a phone call from Aviator Master Card asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. 
I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. 
When I disputed the charge, XXXX through Barclay 's Bank XXXX issued a credit for the amount and investigated it. 

After the investigation and my speaking to Barclays on XX/XX/year>, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. 

Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. 

My complaint is with Barclays Bank and the XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On Thursday XXXX the XXXX I was contacted by XXXX skate company via message informing me that I was selected for a raffle to buy a pair of shoes, they informed me that It was a pickup in store raffle however, I am located in XXXX and the store is located in XXXX. So I proceeded to ask if there was a shipping option and they asked if I had XXXX and I told them yes. I was then told to send to XXXX to XXXX so I did exactly that. They also told me it was an opportunity to get another pair and not knowing it was a scam, I agreed. This amount was also for XXXX, I then went to a popular app ( discord ) to let people thats in the group know my success and I was informed that this company was know for scamming. I proceeded to search this company to make sure it wasnt and I discovered this company was a complete scam and that this isnt their first time. I then contacted my bank ( Bank of American ) letting them know I was scammed. I was then told by BOA that the case was reported and a employee told me I should receive some more information on my claim within a week but it could take up to 90 days for a full resolution. Fast forward two weeks and I still have yet to receive any info so I called them again and they told me my case was still in progress and after like a day or two ( XXXX ) I get a paper in the mails from BOA telling me my claim couldnt be resolved but they will try to get in contact with the other bank. Fast forward to XX/XX/XXXX I received another paper from BOA telling me they were unable to approve my claim so if there anyway I am able to get this money back that would be amazing. 
( THIS STATEMENT WILL BE FORWARDED TO MULTIPLE BANK RESOLUTION INSTITUTIONS )
Product: Credit card or prepaid card

In XXXX I found out that my unemployment benefits were being cashed by a roommate She helped me file my claim and I got a denial letter from XXXX and I thought my claim was denied. Wasn't the case. She cashed out over XXXX k of my money. The bank closed my account took five months to open back up and paid me only XXXX of the XXXX that was stolen.thr bank has denied my claim again and you're my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things dated XX/XX/2023. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 
Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit card or prepaid card

I was issued this card by Texas XXXX. The card became inactive after accepting a refund on the card that wasnt used to make the purchase. The company asked me to send in the original and refund receipt in order to make the card active again. I uploaded the documents online as well as faxed the information to three different numbers that were given to me.
Product: Bank account or service

I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.
Product: Credit card

I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.