23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
* Any credit Application with my signed Signature attached I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 
If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX withdrew XXXX for a product I never received, don't know anything about it. They claim that it is some kind of subscription for coupons. I am XXXX  years of age and I feel there is some kind of tactic to get people to sign up for some type of coupons. I have never received anything from this company. On XX/XX/XXXX, they withdrew another XXXX These people and their tactics need to be investigated. I am sure I am not the only person experiencing this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I made a dispute with Wells Fargo credit card division. I explained that I hired someone on XXXX to finished a website. Once I hired this person, I started receiving different emails from XXXX, saying that my account had fraudulently activity. They sent me 5 emails asking for my credit card cvv and the expiration date. I knew this wrong because I knew a company would not ask for that information. They would just disable the account. In the midst of this, I received an email from XXXX saying my information had been compromised on the dark web. As I continued to work with the seller, he kept asking me to send him a code to transfer my domain, as I continued to give him the code over and over, he acted as if he couldn't receive the code. As I kept giving him the codes, XXXX sent me a text message stating not give anyone my code. At that point I knew he was trying to steal my information and access my personal accounts. I cancelled my order immediately and did a dispute with my bank. When I did the dispute over the phone, the man did not request any information nor did he go through the regular routine that they normally do when you file a dispute, that leaves me to think Wellsfargo is a XXXX bank. Once he heard I was XXXX XXXX he did not care through the proper way of doing the dispute. I never heard anything back from Wells Fargo since the day I Initiated the dispute nor did I ever receive my money back. XXXX said they would refund my money and they never did and Although I told my bank that I cancelled my order with the seller and the company was being fraudulent, they never cared to reach back out either.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my credit report. Because identity theft all these inquiries were submitted on line please have equifax remove these inquiries from my credit report because I didnt give consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items sent to collection ( Equifax ) at the XXXX XXXX. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted XXXX and they told me its a problem with Equfax. I contacted Equfax and they said its a problem with XXXX Its been over 3 months. I want it off my credit report.
Product: Money transfer, virtual currency, or money service

Checking acc # XXXX. 

Wells Fargo teller told me that I have 6 months in which to deposit a check at teller or ATM. What he did not tell me what that I have one day less at atm. 

Three checks were dated XX/XX/XXXX, and deposited exactly 6 months later on XX/XX/XXXX. 

Because the deposit was through the atm, Wells Fargo treated it as deposited the next day, and charged a fee for deposited a stale dated check. ( {$36.00}, which was {$12.00} times three. ) The {$36.00} fees were assessed XX/XX/XXXX. 

Wells Fargo should refund the {$36.00} fee because it incorrectly told me I had 6 months to deposit the check in the ATM, which warning that it was really 6 months minus one day.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with late open account that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and rectifying these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I submitted all necessary documentation to substantiate my claims, which included proof of timely payments and communication with the creditors in question. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the late open account persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the late open account on my credit report. 

Immediate correction of the inaccuracies by removing the late open account from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00}.
Product: Student loan

On XX/XX/XXXX, I attempted to make a payment of {$270.00} in complete satisfaction of my loan. Without notice, Mohela reversed this payment. On XX/XX/XXXX, I attempted to make a payment of {$270.00}, representing the payment amount plus interest allowed to accrue as a result of the payment reversal. When I submitted this payment, I made sure to check that I received a message confirming my payment. I was shown a screen that said " payment successful. '' Two days later, on XX/XX/XXXX, I logged in to check on the status of my payment and saw that the status was payment accepted- I'm confident in the date and verbiage because I texted my spouse as soon as I saw this message, expressing joy to be done dealing with Mohela. However, and once again without notice, Mohela reversed this payment, backdating the transaction to XX/XX/XXXX despite having displayed the payment as accepted as late as XX/XX/XXXX. I sent the following message to Mohela on XX/XX/XXXX, when I logged in once again to confirm that Mohela hadn't created an issue with this payment. Mohela has not responded. 


I'm writing to request information regarding two " reversed '' payments, reversed without notice or explanation, resulting in additional interest accural. This is especially concerning given that when I logged in yesterday to check the status of my most recent attempt to pay, the payment was posted as " accepted ''. I additionally have a screenshot showing " Payment Successful '' from XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, it has a lot of inaccurate information on it..This company self/ XXXX XXXX  is stating that I took out a loan. I have never heard of them and never had any dealing with this company.. I've only ever taken 2 loans in my life..This is not my account and under, 15 Usc 1861 I'm allowed to have a accurate credit profile and this account is negatively reported false information..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my XXXX account for years now ; XXXX XXXX XXXX XXXX XXXX is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show XXXX group ( XXXX XXXX ) {$530.00} ( XXXX, XXXX XXXX report show Southwest credit systems XXXX XXXX XXXX ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.
Product: Money transfer, virtual currency, or money service

I have closed my account with Self Lenders and they are still charging me for my account and I dont owe when the account is closed they are affecting my credit history and status
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the dispute accounts, as experience inaction violates federal law and my rights as a consumer.
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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss
Product: Checking or savings account

I was a customer of TCF Bank prior to them being bought out by Huntington Bank. Huntington Bank turned out to have terrible customer service and my account became more trouble than I'd anticipated. I opened a checking and savings account with my employer, XXXX XXXX XXXX and went about transferring all of my auto pay creditors to my new XXXX XXXX  Checking account, and I changed my direct deposit to my XXXX XXXX, so that there was no monies being deposited to the Huntington Bank Checking or Savings. I called Huntington Bank, asking them to close all of my accounts with them. The Savings account and online access were shut down, immediately, but I kept having to transfer funds from XXXX XXXX, via wire transfer, to Huntington Bank, since I was receiving daily alerts that my account was overdrawn. When I called, on XX/XX/XXXX, I was told that the checking account was still accepting attempts from creditors that I hadn't reached yet, to provide my new banking information. I have contacted all of my creditors and given them my XXXX XXXX, banking information. Huntington Bank is insisting that I owe over {$200.00} in overdraft fees that were incurred after the checking account had been closed. The most recent contact that I've had with Huntington Bank took place, via phone, on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

XXXX XXXX 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing an account from my credit report that is not supposed to be there. 
XXXX XXXX XXXX XXXX please see attached letter from XXXX XXXX XXXX XXXX
Product: Checking or savings account

Throughout the entire first month of XXXX I noticed an issue with Chase rearranging my transactions. 

I get paid on Friday, and would notice any transaction that would be deducted from my available balance over the weekend would be rearranged and charged that following Tuesday or Wednesday. They would rearrange certain pending transactions and this would then lead to an overdraft because it looked like the money wasn't in the bank when I made my purchases.
Product: Money transfer, virtual currency, or money service

When Zelle was first introduced, many users like myself were not fully aware of the platforms limitations, especially regarding fraud protection. Zelle operates as a near-instantaneous peer-to-peer payment system, but its early rollout may not have effectively communicated the following key points : 1. Lack of Clear Warnings on Irreversible Transactions Early on, Zelles messaging about the risks of sending money was often buried in fine print or terms and conditions that many users didnt read. 
There were minimal in-app or pre-transaction alerts warning users that funds sent to the wrong person or as part of a scam could not be recovered. 

2. Focus on Speed Over Security Zelles primary selling point was its speed and convenience, marketed as a faster alternative to checks or traditional bank transfers. 
This focus on speed may have overshadowed the importance of educating users about fraud risks and the irreversible nature of transactions.

3. Trust Assumptions Zell
e was initially marketed as a tool for sending money to trusted individuals, such as friends or family. However, it was quickly adopted by users for payments to strangers ( e.g., buying items online ), where fraud risks are much higher. 
Zelle did not have anticipate how quickly scammers would exploit the platform, leaving users like me unaware of the vulnerabilities. 

4. Evolving Fraud Protections Consumer awareness about peer-to-peer payment fraud has grown, but Zelles initial rollout did not include robust fraud education or transaction safeguards. 
Zelle and partner banks have added more disclaimers and fraud detection measures, after countless people such as myself have been victims of these fraudulent transactions. 

Why This Matters Lack of Consumer Protections : When Zelle first came out, Users like myself assumed it functioned like a credit card or XXXX where fraud protection policies are more robust. 
Unclear Accountability : Zelles partnership with banks blurred the lines of responsibility for educating users, leaving many unaware of their risks until after a fraud occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.
Product: Student loan

I've contacted you all before about applying for a loan with Navy Federal Credit Union. I do not have a problem explaining it again. 
I applied for a loan with NFCU. My credit score was amazing, my income was steady and above average. NFCU had no reason to deny me so they went back XXXX yrs and told me they could not approve the loan because I had a discharged bankruptcy in 2007. 
The representative even laughed at me when I told them this is not right, over XXXX years. 
I am now hearing and reading that the color of my skin my be the reason NFCU has denied me. 
This denial has caused me a lot of problems
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion-Private Mortgage Reporting, Lender sent copy of contract, deed, closing statements in early XX/XX/2022 to all three Consumer Credit Reporting Bureaus . To add insult to injury they all send me notices I need a residential debt reported to boost my score to get another mortgage. Only have two credit cards, Paid off a 6 year truck loan and my score drops. So I found out what they required, lender called them and sent in. TransUnion keeps giving up the run around, regardless of calling or texting or written communications with the same address for written, same phone number for their experts in the matter. There is nothing clear on Private Mortgage Reporting, because it isn't part of the scam to charge the lenders reporting so I believe that want money from my lender? Why when its my credit score that is suffering from lack of Residential or Housing Debt on my report? Will you bring suit against Transunion and the other two Credit Reporting Companies as they will allow the " scumb bag '' collections companies to put negative information on your report for you to get off, they aren't so quick to put positive information on your report without getting PAID!