23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capio partners is a third party company that is based out of Texas, but I live in Florida and do buisness in Florida so that violates code 15 usc 1692b ( 2 ).

Second, Capio partners recieved bought my information without my consent so this is also identity theft. Which is also illegal.

Last they also reported inaccurate things to my credit report. For example investigate : XXXX doesnt even have it reported at all, column Date opened, column last reported, and column date last active all are inaccurate with different information.
Product: Checking or savings account

I'm writing to file complaint against Navy federal credit union regarding multiple overdraft fees that I've incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against nave federal for similar practices, where transactions settled with balances despite initially available funds. I believe these practices are unfair and request an investigation into my account my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, ZIP Code ] XXXX XXXX XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report.

Account Number ( s ) and Details : Account : XXXX XXXX XXXX XXXX XXXX XXXX ; NOT MY ACCOUNT Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 
Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 
I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within 30 days, confirming the removal of any unverified information. 

Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer Financial protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.further their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate Redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance both the XXXX credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than XXXX years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Debt collection

Dear Harris & Harris, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Franklin XXXX XXXX account number XXXX is try to collect a debt from me I sent them a certified letters on XXXX they will receive on Friday XXXX for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Franklin XXXX XXXX is the creditor reporting inaccurate information on my credit report Franklin XXXX should have sign documentation between me and them. So if They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Franklin XXXX XXXX and if I have a account with XXXX am not saying I do I never gave them permission to sell the Debt to Franklin XXXX XXXXFranklin XXXX XXXX have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character I never got a notice or anything in the mail.
Product: Credit reporting

I am filling this report because Transunion has completely failed to provide a proper investigation on the accounts they are reporting inaccurately. As well as provide proof of the accounts that they have supposly verified. Under FACTS XXXX XXXX XXXX XXXX - you must, " Promptly delete all information which can not be verified '' Please help me resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX - XXXX XXXX Balance {$1700.00} Opened XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance {$58.00} XXX Opened XXXX. XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I owed a debt that was satisfied in XXXX. In XXXX, I received a letter from The Moore Law Group that they were going to garnish my wages for this debt. I had my credit report showing that the debt had been satisfied, but XXXX of their representatives by the name of XXXX, said that there was no proof. He argued with me and was XXXX of the rudest men I have ever encountered, not professional at all. I agreed to pay them XXXX  just to have them stop harassing me. I did not know my legal rights and I just wanted them to leave me alone. I did not receive any other paperwork from them until XXXX weeks ago when I received a letter of wage garnishment from my employer. The wage garnishment was for XXXX}. The original amount they had claimed I had owed was only XXXX. I called The Moore Law Group and spoke with XXXX of their representatives, XXXX at extension XXXX. He told me that he would put in a dispute with the original company, XXXX. At that time, he told me not to worry about the wage garnishment. On XXXX XXXX, my check was garnished. I called that day and tried to reach the original person I had spoken with. I was unable to speak with him. I proceeded to remain on hold and asked to speak to a XXXX or supervisor. I was then connected to a XXXX XXXX at extension XXXX. I told him about my previous conversation. He told me the wage garnishment was still in effect, the original company had not responded and when I asked for my file information to be sent to me, he stated he would not tell me any information unless I reascended my dispute. When I told him I would n't because I did n't owe the money and they had no proof, he became silent and would not respond to me. I have never been treated so poorly by anyone and that is a large sum of money to owe from a XXXX year old debt that is beyond the statute of limitations.
Product: Debt collection

Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian email sent to me : ============================================================= Important info about your IDnotify membership Dear XXXX, This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. 

Sincerely, IDnotify ___________________________________________________ Since Experian knows I live in XXXX ( they just mailed me a credit report here in XXXX ) and want to keep my credit file LOCKED - why do they do this to me? Do they NOT know that access from a foreign web site will be DISALLOWED by the server at Experian. 

I want my file locked!
Product: Credit card or prepaid card

I contacted the company to speak on the late fee, I disputed with the bureaus, they moved it, but then put it on another month which is wrong.How can FIRST PROGRESS do this? It still needs to be removed permantly according to consumer law. 15usc1681a-4 privacy obligation not met. 15usc1681b no permission to place on the consumer report. 15usc1666b timing of payment shouldn't be reported. 15usc1681a ( 1 ) a2 transaction history is excluded from the report. 
They didn't get written consent to place anything on my record. Violations are {$1000.00} each or intentional fraud is 2 year prisonment.
Product: Credit card

MY BANK OF AMERICA MASTER CARD BILLING STATEMENT SHOWS THE NUMBER IN FULL ON THE MONTHLY STATEMENT AND PAYMENT COUPON. 
IF MY MAIL IS MISSDELIVERED, LOST OR STOLEN, I AM AT RISK FOR ID THEFT! 
I WENT TO A LOCAL BRANCH IN PERSON TO SAY THE ABOVE AND RECEIVED PABLUM BY WAY OF COMPANY RESPONSE. 
THE SOLUTION IS TO TRUNCATE THE CCN TO ITS LAST 4 DIGITS ON ANY PUBLIC FACING MAILINGS/CORRESPONDENCE, LIKE OTHER COMPANIES DO.
Product: Debt collection

There was a collections account on my XXXX report from Diversified Consultants on a debt that is n't mine and I do not owe. XXXX XXXX  removed the collections account using the dispute process outlined by the FCRA. The account no longer appears on my credit report with XXXX. However up to this point it never appeared on my XXXX  report - today I noticed that it was added.
They were not able to produce the proof that this was a valid debt to XXXX and were forced to remove this record from that account and now instead of just leaving me alone they added this false debt to another bureau 's report. I do not think this is fair, and I question if it is legal. I wish to have this erroneous record removed and to ensure that it never appears on any of my credit reports again.
Product: Debt collection

My son, XXXX XXXX XXXX, received notice that American Express sent him to XXXX XXXX XXXX XXXX to collect {$900.00}. This was his former employer, XXXX 's American Express XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and American Express says they can't access the info because it went to XXXX and XXXX hangs up on you siting an " error '' while on hold. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on   XXXX    XXXX    comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with  XXXX  and transunion for 6 months.
Product: Money transfer, virtual currency, or money service

SEE ATTACHMENT Cash App Email Correspondence FOR FULL DETAILS 1. I opened a Cash App account in XX/XX/2021 with ID XXXX XXXX. I executed eight transactions over the year. My XXXX XXXX account has a balance of {$50.00}. See attachment My Cash App Transactions. 

2. Recently my bank started rejecting requests to add money to my account. ( I later realized that might have been related to having received a new debit card with a different XXXX XXXX XXXX XXXXns from Cash App support did not work. See screen recording attachment Cash App 's Failed Procedure. 

4. XXXX correspondence on XX/XX/XXXX and XXXX correspondence on XX/XX/XXXX indicate that their records verified what I had been telling them. XXXX offered to solve the problem. 

5. However XXXX was overruled. I received messages that essentially said Policies prevent Cash App from giving me my {$50.00}. For my own security interests, I should just accept this situation. 

6. There is something strange going on at Cash App. After their written instructions failed, the next logical step would be to for me to talk to a human. What is their intention with my {$50.00}? Do they intend to keep it?
Product: Credit reporting or other personal consumer reports

XX/XX/2023 - I was alerted via email through my chase account of XXXX credit applications under my name. Within XXXX hours of these email notification I reported both as fraud as it was not my doing. 

I filed XXXX police reports due to the businesses involved with the fraudulent activity. The case numbers are both listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Both banks automatically denied the application so that no credit cards were dispersed to the offender, however, the credit application pull and process had already begun, causing my credit to be hit with XXXX hard inquiries on the same day within a short amount of time. XXXX was through XXXX XXXX via XXXX and XXXX XXXX. This credit pull was already removed from my account within XXXX hours of me reaching out. Ive been dealing with the second credit pull, tied to Synchrony Bank via, XXXX, involving a Dicks Sporting Goods store.

Can you please look into the still existing hard inquiry from XX/XX/2023, with synchrony bank and dicks sporting goods and have it removed from my credit report.

Thank you so much in advance!
Product: Debt collection

ate opened : XX/XX/2019 amount : {$710.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in XXXX, I saw that there was a negative item indicating that I failed to pay {$1000.00} to XXXX Bank XXXX XXXX XXXX XXXX XXXX. I filed a dispute and on approximately XX/XX/XXXX, I received a letter from Potfolio Recovery Associates, LLC. They stated that they had investigated the dispute and based on certain documents that were attached, established the validity of the debt. The documents they attached were a copy of a bill from XXXX XXXX XXXX dated XX/XX/XXXX and a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I had never seen these documents before and in fact, they are addressed to my name but sent to an address to which I have no connection and have never used. So they make a decision that it is me based on a bill and a letter sent to an address that has never been mine. The address is not on my credit report. I have never requested credit from XXXX XXXX XXXX so this is either identity theft or just someone with my same name.
Product: Debt collection

in XXXX I summited a certified letter to RMP, LLC in regards to the debt that is false. Its been 60 days with no response to the matter.
Product: Debt collection

My account was recently sold to XXXX XXXX XXXX, I have received multiple calls a day since. They contacted me today while I was at my work place and the collector claimed that my account had not yet been reported to the Credit Bureau and said if I could n't meet an agreement a state attorney would be contacted. He offered me an interest free plan which will freeze my account, and then asked for account/routing and card numbers. When I was uneasy and asked if it could be done at a later time or online the collector got agitated and adamant that it had to be done over the phone in order to meet the agreement. I then said that I did n't feel comfortable doing it at work and he tried to offer to change the agreement in my favor as long as I gave him my card information. 

After I finished the call, I found out they had called the day previous at my job when I was off to contact me.
Product: Payday loan, title loan, personal loan, or advance loan

We called Reprise Financial twice trying to get information on how to stop auto debits from our bank account. They told us the first time to write a letter and send it to them but didn't give us the address. The second time we received an address to send the letter to and we have. But the company still will not remove us from the autodraft list and they're still trying to set them up to take money from my bank account.
Product: Money transfer, virtual currency, or money service

I made an international wire transfer through my account with bank of America for USD XXXX on XX/XX/XXXX to an account in XXXX. To date the money has never made it to the recipient account. I have made numerous calls ( an average of 1 call a day to bank of america since then ). I have spoken to their online banking team, digital banking team, wire transfer team, regulatory compliance team and even been to the a physical branch in XXXX GA after being advised to do so by a wire specialist and have had no luck. On Thursday XX/XX/XXXX, after enduring a lot of frustrations with no clear resolution, I decided to do a wire recall. I called back today XX/XX/XXXX and was still being given the run around. 

None of the BOA personnel seems to know what to do. I have been given so many conflicting information but no one can tell me if or when I will get the money. Of course I have lost out on the purpose for the money sustaining huge losses but BOA does not seem to care about me getting the cash back. 

Today XX/XX/XXXX, after being shunted around for almost an hour with no clear information, I was lucky to get connected to a supervisor out of NY who was kind enough to listen and empathize. However, he too could not give me exact information. 

I am reaching out to your group to see if you can talk to BOA on my behalf so I don't loose my cash ( more so after loosing out on the business ).
Product: Checking or savings account

Wells Fargo has completely denied opening accounts even through correspondence on this website though there are no signatures on those applications created through a store in XXXX and online. They even sent their CFPB responses to the wrong address though I have remained in constant contact with Wells Fargo bankers in XXXX XXXX XXXX, XXXX  and now XXXX XXXX XXXX  I have always ensured that my address was updated. Then they claim that this is an issue of identity theft. Why did I ever have so many debit cards open on my account?
Product: Mortgage

I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.