23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of state of Texas medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Product: Debt collection

A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.
Product: Debt collection

I received text messages from " State Collection Service '' saying they were a debt collector. On XX/XX/XXXX ( phone # : XXXX ) there was a link in the text message that wanted me to enter my zip code, I ignored the message after doing some research realized this was a fraud. On XX/XX/XXXX ( phone # XXXX ) sent a text claiming they had a " notice from State Collection Service '' and to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account name :XX/XX/XXXX XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I submitted a consumer credit card dispute with Capital One regarding a credit card purchase that I deemed unauthorized because the seller/merchant engaged in fraudulent behavior in its sales marketing. I relied on deliberately false and misleading representations for a {$79.00} purchase, and was deceived to purchase a product that was not similar to what was advertised. When the product received was patently and materially not what it was presented to be, and of significantly less value, I tried to resolve the dispute with the merchant, without success. 

I then filed an unauthorized debit claim, pursuant to Reg E and the Electronic Fund Transfer Act, with Capital One ; the financial institution credit provider. I submitted all correspondence between the merchant and myself to Cap One and communicated my contention that, as the merchant clearly perpetrated a fraud in its " bait and switch '' conduct, the transaction must be viewed as unauthorized under Reg E. As it was timely filed with Cap One, it was stunning to receive notice from the credit card issuer that my dispute had been denied. 

The Cap Oine Case Number is XXXX. If this claim is dishonored, my fear is that Cap One may be engaged in a pattern and practice of actions which are inconsistent with the requirements of the regulation, to the detriment of protected consumers. 

Thank you for your assistance. 
XXXX XXXX XXXX
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 lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Jefferson Capital Systems , LLC is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Jefferson Capital Systems, LLCt to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX regarding their inadequate response to my disputes concerning inaccuracies in my credit report. I have submitted several requests disputing certain entries within my credit report, citing specific inaccuracies that have negatively impacted my credit score. However, despite providing detailed evidence and documentation, XXXX has repeatedly responded within 24 hours stating that the accounts in question are " accurate. '' These responses have offered no evidence or detailed explanation of the investigations conducted, nor have they addressed the specific inaccuracies I have pointed out. This pattern of behavior violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which clearly states that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information contained in their credit file. 
Additionally, XXXX 's handling of my disputes may also infringe upon the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceedings highlight the importance of thorough investigation protocols for consumer reporting agencies, which XXXX appears to disregard in my case. 

These are the following accounts XX/XX/XXXX Lenders ( reported twice on credit report ) Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By Certified Letter Return Receipt dated XX/XX/XXXX, I disputed these inaccurate entries on my TransUnion credit report : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX  and this authorized inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This letter included my name, address, last 4 digits of my Social Security Number, a copy of the relevant pages of my TransUnion credit report and other documentation ( see below ). 

The letter and its enclosures are attached, along with return receipt for same. 

The enclosures demonstrate that neither the XXXX XXXX entry or the XXXX entry are accurate ; in the case of XXXX, I sent them a letter directly on XX/XX/XXXX, to the address listed on my credit report, asking them to verify the entry. They received this letter on XX/XX/XXXX and did not respond. Both the letter and return receipt are attached to the XX/XX/XXXX TransUnion letter enclosed with this complaint. 

On XX/XX/XXXX, TransUnion responded to my letter indicating that the XXXX entry was verified as belonging to me, disregarding my documentation. 

No response was received regarding the other two disputed tradelines. 

These are clear violations of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( XXXX, transunion, and XXXX ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my right
Product: Credit card

On my Chase Freedom Unlimited card, I received a promotional offer that Chase would match the cash back earned on purchases at the end of the first year. However, Chase did not do so ; instead, they matched the cash back from my first 12 statement periods ( XX/XX/XXXX to XX/XX/XXXX ) rather than the first year ( XX/XX/XXXX to XX/XX/XXXX ). 

I should've received XXXX more points from Chase because of this discrepancy. 

I have tried to resolve this with Chase, and in my communications with them you can see that : 1 ) Chase agrees that the terms of the offer was that Chase will automatically match all the cash back earned on purchases at the end of the first year. 
2 ) Chase is not disputing the fact that I earned XXXX points on purchases in the first year. 
3 ) Chase is not matching the full XXXX points earned in the first year. 

So I am filing this complaint with the CFPB in order to receive the missing XXXX points. 

I have attached communications with Chase that outline the promotional offer ( Chase Secure Messages XXXX XXXX ) and their unwillingness to fulfill the terms of that promotional offer ( Chase Secure Messages XXXX XXXX ). 

I have also produced all of the credit card statements I've ever received from this account, in case anyone wants to double check the number of points I should've received. 

You can see in the last statement from XX/XX/XXXX ( XXXX ) that I received XXXX points as part of the promotional offer. I earned XXXX points in the first 12 statement periods from XX/XX/XXXX to XX/XX/XXXX. 

However, I earned XXXX additional points from XX/XX/XXXX to XX/XX/XXXX in the statement from XX/XX/XXXX ( XXXX ) and all purchases in that statement were made by XX/XX/XXXX. 

So I should've received an additional XXXX points as part of the promotional offer since the first year of my account was XX/XX/XXXX to XX/XX/XXXX.
Product: Credit card

I received an email ( XXXX ) from Nordstrom 's welcoming me to their " XXXX XXXX '' which I have never applied to. I called card services the next day and they confirmed there was an application to the XXXX XXXX in my name. They cancelled the application. I specifically asked if there was also a credit card application and was told no. On XX/XX/year> I received another email from Nordstrom regarding the XXXX XXXX. I called card services and spoke with XXXX. She confirmed the club application was cancelled. I again asked if there was a credit application- she assured me there was not. On XX/XX/year> I received a letter from Nordstrom card services stating they could not issue the credit card because the credit bureau ( XXXX ) was locked. I called card services again and spoke with XXXX in IL. She confirmed there was a credit card application in my name that used my name, my address, my DOB, my phone, and my wife 's email. She said she would cancel the application. 

My biggest concern is why I was told twice that there was no application, when in fact, it was submitted on XXXX. Either card services staff does not know how to do their job or they are not honest. FYI- XXXX in IL. was very helpful. Maybe she should train the other staff.
Product: Credit reporting

I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.
Product: Credit reporting

My credit card with XXXX XXXX was charged off in XX/XX/2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Product: Credit reporting or other personal consumer reports

The following inquiries viewed by others and me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX A Part of XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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 XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had a Wells Fargo account for several years and I was constantly charged a monthly service fee, over draft fees and non-sufficient fund fees. Seeing as I had been unjustifiably charged, I am eligible to receive a payment for these fees and outrageous deductions. They have improperly charged my account so many fees over the years, that it was beyond the scope of reasonable. However, for some reason, I did not receive a check from the Wells Fargo/CFPB settlement fund. Could you please investigate the reason behind this?
Product: Mortgage

On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission.
Product: Credit card or prepaid card

Below following my updated complaint you will find a copy of my previous complaint. Case # XXXX Today I received a letter stating that Wells Fargo needs more time to " complete our research ''. After 30 days of trying to resolve the misapplied full payment on XX/XX/XXXX directly with WF I finally contacted CFPB. Since the contact WF has " backdated " a payment with a XX/XX/XXXX date, However the amount credited, {$1000.00}, is still short as the amount of my payment and the amount charged to my bank and paid by my bank was {$1100.00}. WF promptly reversed their incorrectly credited amount of {$410.00} on XX/XX/XXXX. WF addressed their concerns but, as of yet has failed to address mine. XXXX XXXX accounting was done on XXXX and it appears as if WF 's accounting is no more professional. Banking transactions take place almost instantaneously with complete data tracking yet, after 6 weeks of contacts with WF, along with a complaint logged with CFPB, they now are requesting additional research time. This is beyond the pale. 

( This was my original complaint Case # XXXX ) YOUR COMPLAINT I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XX/XX/XXXX. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit card

On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.