23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against the debt collection company Caine & Weiner for unethical and potentially illegal business practices that have caused significant harm to my credit standing. 
Enclosed are copies of the many letters I have sent to Caine & Weiner on XX/XX/2023, and now XXXX XXXX, and XXXX, in which I formally disputed an alleged delinquent account ( Account # XXXX, originally with XXXX XXXX XXXX XXXX ) that they had reported on my credit file. In this letter, I provided evidence that the account was erroneous, as I had insurance coverage from a different provider during the period in question. I also requested specific documentation from the company to validate the account 's legitimacy and their authority to pursue collection actions. 
Despite my clear dispute and request for removal, Caine & Weiner failed to respond within the legally mandated 30-day period as required by the Fair Credit Reporting Act ( FCRA ). This lack of response should have resulted in the account being permanently removed from my credit reports. 
However, approximately 6-8 weeks after the account had been removed by the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) due to Caine & Weiner 's failure to respond, the company illegally re-inserted or " recycled '' this account information onto my credit reports. 
I have also noticed that not only this account is being reported as open, but it also shows an open or active balance, that is also a violation of FCRA, they have failed to properly and timely respond to my requests. 
Under the FCRA, it is illegal for a company to continue pursuing, reinstating, have an account on collection status shown as " open '' or with an " active '' or " Open '' or " recycling '' a disputed account 's information, after failing to properly investigate and respond to a dispute within the 30-day timeframe. By re-inserting this account, Caine & Weiner is in violation of federal law and has caused significant damage to my credit standing. 
I have made numerous attempts to resolve this issue directly with Caine & Weiner, including sending a formal demand for the permanent removal of this account from my credit reports. However, the company has continued to disregard the law and maintain this erroneous information on my credit file. 
I am seeking your assistance in investigating Caine & Weiner 's practices and holding them accountable for their illegal actions. Their blatant disregard for consumer protection laws and willingness to use erroneous information to damage the credit standing of unsuspecting individuals is unacceptable and must be addressed. 
Enclosed are copies of all relevant correspondence, including my original dispute letter, subsequent demands for removal, and any responses ( or lack thereof ) from Caine & Weiner. I am happy to provide any additional information or documentation that may be required to assist in your investigation. 
Thank you for your attention to this matter. I look forward to your prompt action to resolve this issue and prevent further harm to myself and other consumers. 
Sincerely, XXXX XXXX XXXX
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 inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts XXXX XXXX XXXX
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 



SOFI BANK, XXXX XXXX
Product: Vehicle loan or lease

I had an vehicle with credit acceptance that was the very first mistake at the lot the was XXXX when they got finished it was XXXX I was told I was required to get insurance before I left the lot 15 USC 1605, I know that wasn't true once I found how much the car was I let them come get. Looking over the contract they never disclose I had 3 days to opt out the contract 15 USC 1687 when u try and talk them they will say see u in court. On top of it all 12 USC 412 the car was payed for when I signed my name
Product: Debt collection

I requested paperwork to verify the alleged debt and they responded with my private medical information, without a signed release form, which is a clear violation of HIPAA.
Product: Credit reporting or other personal consumer reports

It has been over 60 days since I sent a dispute and have not received a response
Product: Credit reporting or other personal consumer reports

You obtained my credit report from XXXX XXXX XXXX on XX/XX/year> and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/year>. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 

XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year>.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CREDENCE RESOURCE MANAGEMENT : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX, beneficiary All Rights Reserved
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX  but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX  Balance $ {$1200.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX - XXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Consumer Loan

Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against 5th 3rd Bank for Fraudulent Activity and Failure to Return Funds Dear Sir/Madam, I am writing to file a formal complaint against 5th 3rd Bank regarding fraudulent activity on my account and their refusal to return the majority of the disputed funds. 5th 3rd Bank account XXXX XXXX 

On XX/XX/24 informed 5th 3rd Bank of suspicious transactions on my account, appearing to be fraudulent activity. Without conducting a thorough investigation, 5th 3rd Bank proceeded to block my account and withheld a significant portion of my funds. I immediately requested a printout of all transactions from the date of the original phone call, along with a copy of the original conversation in question. Despite my repeated requests, 5th 3rd Bank has failed to provide me with this information, hindering my ability to address the issue effectively. 

I would like to clarify that there seems to have been a misunderstanding either on my part or on the part of 5th 3rd Bank from the initial interaction. I have provided a police report detailing the actual events that took place on the reported date to support my claim. Furthermore, while 5th 3rd Bank has returned a small portion of the disputed funds ( {$220.00} ) for transactions conducted online, they have yet to refund the majority of the funds ( {$1300.00} ) that were fraudulently used in person with the card. 

What is even more concerning is the discrepancy in 5th 3rd Bank 's explanation of how the card was used both in person and online during the same reported time period. This raises serious doubts about their handling of the investigation and their failure to provide conclusive evidence of their findings. 

I am formally requesting a full refund of the remaining disputed amount from dispute case XXXX XXXX ( {$1300.00} ) at the earliest convenience. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that justice is served in resolving this dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution and the return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Drivetime, Drivetime is listed as inquiry not a hard inquiry on my credit report! Hard inquiry means I would have given them permisson but since this matter is not a hard hard inquiry but a soft inquiry that still means Drivetime still unlawfully obtaining my credit report without my permisson! I have never applied for any financing or inquires for drivetime because I never had need for a car! I never went to drivetime website to fill out any application with Drivetime. And I will not be sending my personal information to Drivetime or any company that I have never had any contracts with! this is fraudulent. Drivetime stating I gave authorized which I did not and they have no proof that I did which I did not give them consent! Drivetime did not do investigating. I have never filed out any information with them or click any boxes to have my information on my consumer report pulled. DRIVERIME this is in violation of FCRA and lying stating that gave permisson which I do not. Drivetime purposely pulled my credit with out my consent. Please be aware I will filed a commercial Lien on your company if you do not comply to my demand
Product: Payday loan, title loan, or personal loan

I was behind on a few payments at one main financial in XXXX Washington. After receiving my stimulus second paycheck I immediately paid my past due palance. I called an agent to help me with my next payment for XXXX XXXX.After she looked into my account after 5 minutes I was a declined. When I called I have paid my full balance to be in good standing. I have tried other several companies All of them have either fur load my payment or extended it to help me during the pandemic issue of XX/XX/XXXX. One main financial also kept harassing me about three times a day looking for a payment when I did not have any money because of covid-19 financial issues. I hope for some leniency after my account was brought up to good standing yet I was still declined. OneMain financial did not give me any further options They did not help me at all and they were very unprofessional. The last words that one main financial agent told me was next time in the future call ahead of time if I need help with my future payment. That is exactly what I was calling about I believe the fee is anywhere between {$25.00} to {$50.00} and I was behind two payments if my fees would have been waived I would have a smaller amount owed in XXXX which would have helped me they're in the covid-19 pandemic crisis. Even one waved fee would have been great help during this disaster. I feel taken advantage of during this crisis and that is why I came to this website to file a company. thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are accounts and inquiries in XXXX, Experian, and XXXX that I did not authorize
Product: Credit card or prepaid card

On XX/XX/XXXX I was in XXXX and made a purchase of some jewelry. The merchant charged my credit card for some diamond jewelry. 

When I returned to the US I decided to return the jewelry because the appraisal indicated that the jewelry was defective and over priced. I sent the Jewelry back to the merchant, insured with a returned receipt to be signed, through the US Postal Service. The US Postal Service in XXXX, FL contacted the XXXX Post Office and obtained a signed receipt by XXXX. The receipt also has an official XXXX stamp The US Post Office .has denied my request for compensation so I have appealed to Chase. 

Repeatedly I have requested that Chase Visa give me credit for the purchase. They have refused to help me in this matter. I have a submitted all of the documentation listed above and corresponded with them as follows : 1. Signed receipt for returned merchandise by XXXX from XXXX Post Office. 
2. Confirmation e-mail dated XX/XX/XXXX, that they have received signed for the returned merchandise. 
3. All documentation have be sent to Chase with my request for credit on my account for the merchandise that the merchant has. I DO NOT HAVE ANY MERCHANDISE SO I DO NOT OWE ANY MONEY TO THEM. 
4. XXXX, from Chase in XXXX, FL, has called the dispute department monthly from XX/XX/XXXX through XX/XX/XXXX.I have all of the names of the people XXXX and I have spoken with in the dispute department of Chase Credit Card.. 
5. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and I have an appointment tomorrow again, because I received another bill 6. Copies of everything listed above are available upon request.
Product: Debt collection

I have received over XXXX calls from Credit Protection Association L.P ( CPA ). I have spoken with them several of times telling them that my debt was through XXXX and that it was paid off to XXXX. I have been given an array of different information from CPA representatives ranging from my account name is under a " XXXX '' ( I am not XXXX, nor do I know a XXXX ), the account is over a year old ( but I never received a notice ), the account can not be found under my phone number ( but they still keep calling ), and the account wont be deleted until the balance is paid. I was instructed by XXXX to deal strictly with XXXX. I have done so and cleared my balance but I still keep receiving phone calls. I need the harassment to stop. Please help. 
Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

CreditFresh is licensed by Texas XXXX as a Regulated Lender, under license XXXX, Master File Number XXXX with a current license status of ACTIVE. 

I transacted with CreditFresh on/about XX/XX/2023. Despite the aforementioned ( in the previous paragraph ) CreditFresh made no representations that it was a Texas-regulated lender, failing to display any such indication ( by way of Texas XXXX license number, master file number, or so much as even a statement in affirmation of the fact ) on/in ANY place of its documents ( not even anywhere on its website ). This violates state law, namely XXXX XXXX XXXX XXXX. 

As such, due to the gross neglect and/or willful failure of this Regulated Lender to display their Texas XXXX XXXX, the Regulated Lender should be treated ( at least for this transaction ) to be an unlicensed lender. 

Pursuant to state law, namely XXXX XXXX XXXX sec. XXXX, a contract made by an unlicensed lender is void and unenforceable. 

***** Additionally, I want to state that it is my belief that the fee structure for CreditFresh, given that it is a Texas Regulated Lender is unique and likely illegal, as it does not advertise " CAB rates '' like other CABs or Regulated Lenders. Because CreditFresh did not advertise its fees as CAB fees, the fees should be considered to NOT be CAB fees. As such, CreditFresh 's fees likely violate state usury laws. 

***** Further, it is my belief that CreditFresh broke state regulations/laws by failing to offer Extended Repayment Plan or extended time to repay ( unlike XXXX / XXXX ) , and instead offered to ( at best ) delay XXXX payment to the end of the cycle. This action or inaction further preys on the consumer, preventing them from escaping the loan contract, and being bound to its terms ( which as stated above, may be illegal to enforce and/or sell ).