23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

North Shore Agency or SRAXXXX, is in direct violation of FDPCA by attempting to contact a minor directly to recover a fraudulent debt claim. NSA provides an inoperable phone number in their " form letter '' that is designed to waste approximately 7 minutes of the consumers time before automatically hanging up on the caller, this makes it impossible to contact them directly ( multiple reviews on XXXX website can confirm consistent issues with company communication ). A XXXX nubmer for their associates SRAXXXX will get you in contact with the NSA director of opperations, XXXX. XXXX is a big fan of hanging up on people with legitimate concerns, so be prepared for that. XXXX claimed I didnt identify myself, then claimed I falsly identified myself, then refused to speak with me on the account they are attempting to collect from my XXXX yr old son, because they were to ignorant to spell my sons name fully or correctly. XXXX took it upon herself to change the address, refuse to verify the debt, refuse to cancel the debt, and refused to provide the name, address, and contact info for the original creditor... all further violations of FDPCA. XXXX XXXX actions orginate from illegal scams ( debt collecting from minors ), and perpetuate the problem through her dishonesty and shady practices. Whats worse is because of her actions there is some sort of claim for collections against my son ( or a horrible mispeleed variant of his name ) " out there '', and I have no way to settle, verify, or cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report. I was blown away when I say late payments on these dates : 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. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
Product: Debt collection

Supervisor XXXX XXXX of CBE GROUP XXXX A collection agency for XXXX / XXXX XXXX XXXX XXXX IA XXXX USA Accepted my credit card and recived payment for {$980.00} I RECEIVED A CONF # and was told i would get an emailed thankk you for your payment letter in 7 days. And the Total {$980.00} was paid on XXXX XXXX 2016 charged to my credit card on XXXX XXXX 2016 They promised to send a letter to email and mail but still have not. I called again to today XXXX XXXX 2016 and XXXX XXXX supervisor of CBE GROUP. stated it will take her 10 more days before she can send a THANK YOU FOR YOUR PAYMENT LETTER * NOT* AN ACTUAL RECEIPT. AND THAT IT *WILL NOT * SHOW PAID IN FULL OR XXXX BALANCE. **WILL NOT LIST ACCOUNT # S AND THAT IT IS A LETTER ONLY AND **NOT AN ACTUAL RECIEPT** I previously disputed because I believe they continue to bill / charge and collect on accounts over and over reporting to Credit Bureaus showing Negative on my credit. And that they get away with it because They ARE NOT HELD ACCOUNTABLE TO PROVIDE RECIEPT ITEMIZATION S INCLUDING ACOUNT # S AND SHOWING PAID IN FULL OR XXXX BALANCES. I FEAR THAT I WILL AGAIN HAVE TO PAY THESE CHARGES FUTHER DOWN THE ROAD BECAUSE THEY ****REFUSE**** TO PROVIDE ME WITH ANY TYPE OF RECIEPT.
Product: Credit card or prepaid card

CARD WAS USED TO purchase gift cards XXXX said I needed to get a refund but I was not talking to XXXX it was a fraud telepnone number I was directed to Now the bank will not answer their phone!! Comenity Bank XXXX XXXX  XXXX XXXX I had to buy XXXX XXXX XXXX  cards and XXXX XXXX XXXX total {$1700.00} Comenity Bank will not answer their phone - been trying for 3 weeks
Product: Debt collection

If I owe this debt, it would be over 10 years old time barred. I do not want them to contact me any more, by any means, as I have been hacked and on the dark web. Too hard to discern if legitimate or not as goes to my spam. I blocked their last IP number. Research states this company tries to revive old debts by lying to get you to admit it is yours and restart time barred actions. And yet they sent another email with a different IP address to harass me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I found XXXX accounts that I have no knowledge of and did not authorize. 
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  balance : XXXX I have sent disputes to the credit bureaus and these items still remain on my credit reports.
Product: Debt collection

I XX/XX/2022, I was made aware that a collections account was on my credit report when I applied for a mortgage. Upon further investigation it was discovered that someone had stolen my identity and opened a cable company account under my name in Connecticut. I have never lived in Connecticut. I called Sunrise Credit services and they referred me to XXXX cable company. I submitted a complain with the cable company, they conducted an investigation and they concluded the account was a result of identity theft. I placed a dispute with all 3 credit reporting agencies, 2 of them removed the item from my credit reports. I filed a report with the Federal Trade Commission as a result of the identity theft and submitted that, along with a letter from the cable company stating that the account was indeed fraudulent. Unfortunately Sunrise refuses to remove the item from my credit report after multiple attempts from me. I have the identify theft report, a letter from the cable company and multiple disputes with XXXX credit. Sunrise refuses to acknowledge the fraud and have it removed from my credit report despite both the cable company and the credit reporting agency sending them requests.
Product: Credit card

My Apple ID ( XXXX ) was compromised. Was told to close and payoff my credit card and re applied. A new application was placed under XXXX whats so ever the application keeps on review 2-3 weeks and gets an we encounter an apllication glitch please apply again this is an infinity loop and I cant get approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of ED/XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 reporting or other personal consumer reports

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXXXXXX XXXX XXXXXXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies obtained and shared my information with XXXX XXXX XXXX XXXX on XX/XX/2022 without my express written permission.
Product: Credit reporting or other personal consumer reports

Assignment of Mortgage added to our XXXX XXXX Records of Deeds without a Power of Attorney, also servicing rights sold without a Power of Attorney. XXXX XXXX was authorized servicer for XXXX who was our Noteholder and Investor as of XXXX, after XXXX closing XXXX, XXXX XXXX XXXX XXXX  continued to collect a Mortgage after the authorized POA date of XXXX, and never sent any payment to XXXX who was Noteholder and Investor, even on XXXX XXXX XXXX XXXX XXXX  acknowledge there was no Mortgage. XXXX XXXX XXXX XXXX  then Sold the Servicing to XXXX without a Power of Attorney. XXXX has advised us there is no Lien, XXXX XXXX XXXX  has sent us Satisfaction of Mortgage letter, and XXXX from XXXX, which was all the documents they had, again because FDIC Nor XXXX XXXX XXXX Bank never sent the Loan Modification documents and Lien Release to XXXX XXXX XXXX. XXXX XXXX XXXX  was then unable to Record the Loan Modification or Lien Release.
Product: Vehicle loan or lease

We mailed an endorsed insurance claim check along with a personal check of mine to Ally Auto Finance using a United States Priority Mail envelope by cutting out the delivery address from the payment slip of the statement and pasting it on the envelope, then personally dropping it off at the post office and paying additional postage. The tracking number on my receipt is XXXX XXXX XXXX XXXX XXXX XXXX and it shows delivered on XX/XX/XXXX at XXXXXXXX XXXX. On my first call two days ago, the representative stated not receiving such payments and on my second call yesterday the representative stated they received the payments and holding them for unknown reasons. I also received text messages that my payments were not made on time due the XXXX of XXXX. 

insurance check # XXXX in the amount of {$2200.00} personal check # XXXX in the amount of {$350.00}
Product: Money transfer, virtual currency, or money service

My direct deposit has not been deposited into my account. I usually get it a day early but this was not the case. I usually get my deposit Tuesdays around XXXX. I looked on twitter for any updates to see if anyone else was having the same issue and it turns out Im not the only one. Capital one stated they would have direct deposit in our accounts by 1. I called capital one myself at XXXX and asked for a time frame to which she said by the afternoon but had no exact time to give me. I then asked what would be the next step to take if it wasnt deposited by today. She said Id have to file a claim. There should be no reason not one single capital one client was not notified about this issue. It is the end of the month and that money is for bills.
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I filed for bankruptcy in XXXX and it was discharged in XX/XX/XXXX. My bankruptcy included 3 - Navient private student loans. These loans were discharged due to the fact that the loans exceeded the cost of attendance and were given directly to me, the borrower. Navient ( Sallie Mae ) never verified the cost of attendance to the community college I was attending at the time and these loans were not used for the cost of attendance to the school and instead given directly to me. Regardless of my bankruptcy, Navient continued to collect these loans, from XX/XX/XXXX to XX/XX/XXXX in the amount of {$11000.00}. 

In XX/XX/XXXX, a judge ruled that Navient could no longer collect on these loans, Tuition Answer loans, from the plaintiffs, therefore the loans were transferred to my co-signer instead, without her knowledge or any formal documentation. 

According to an article released by the CFPB, you warned several companies about collecting debt after being discharged in bankruptcy. Navient has still been attempting to collect on this debt from the former co-signer, now the borrower.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

Please see the article from XXXX XXXX : XXXX  : XXXX Experian has had critical security flaws in their account creation process for years now and has done nothing to fix it. With basic, publicly available information and some personal info, it's extremely easy for someone to commandeer an Experian account.
Product: Student loan

I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX.
Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX  and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent.
Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX  University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me.
The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX  XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?
Product: Vehicle loan or lease

On XXXX XXXX  an unauthorized payment was pending and then taken from account. I contacted Westlake Financial and spoke with a supervisor named XXXX that confirmed that the payment pending was a double payment however he stated he could refund it until the transaction completed so he said to call back after it has so they could complete the refund. I called back after the transaction completed to have them complete the refund and they say they can not complete the refund and only request it for management approval despite me informing that it was already approved with a superviso. So they end up submitting the request for it to be refunded and request that i call back in 1-2 business days. I called back after the that time had elapsed and the rep I spoke to said the request was denied. I then spoke to another supervisor who still did not refund the payment but instead said that she needed to review a call that would take another 72 hours and need to be requested through higher management. So after many days and calls later I still have not had the unauthorized payment refunded. Westlake financial should not only refund my money but also grant a skip a pay that should have been granted when I spoke with them to request the XXXX payment to be skipped. This is service has been horrible, unfair, and incompetent.
Product: Credit card or prepaid card

I am being charged for a product I did not receive nor want. XXXX XXXX at XXXX XXXX, Ohio. XXXX XXXX XXXX and XXXX XXXX XXXX are the companies used to finance the dental work. XXXX XXXX agreed to bill me a total of {$6500.00}. The cost of the dentures I have been asking them to cancel are Full upper dentures {$1400.00}, lower dentures are {$700.00}. I have the account detail. I agreed to pay all other fees. So far XXXX XXXX has refunded {$500.00}. Then yesterday I received a letter which reads XXXX first is refunding {$650.00}. The latter amount has not yet appeared on the account. The total amount XXXX XXXX   should credit is {$2100.00}. This is XXXX + $ XXXX {$2100.00}. So far all that has been credited is {$500.00}. If and when I see a credit for {$650.00} the only amount left is a credit for {$960.00}. Then this will be resolved. I have been a victim of Elder Abuse. 

Thank you XXXX XXXX
Product: Consumer Loan

I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.
Product: Checking or savings account

My bank charged me over {$900.00} because of the fake check that was deposited through their branch. It was deposited in XXXX, and the bank charged me on XX/XX/XXXX. I immediately filed a claim, and the banker that was assigned to my claim ended up closing the case, even though it was impossible to miss that the transaction was a check fraud. 
After I've spent hour and days trying to escalate the claim they promised that my claim will be expedited and my claim assignee will call me back. She never did. 
The bank let the person committing the fraud to deposit and later cash out a check that had a fake signature, and they let the criminal to get away with it and the claim assignee wasn't held accountable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from CLARITY SERVICES INC on  XX/XX/16 that I applied for a loan. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any loans and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Money transfer, virtual currency, or money service

I am deeply concerned about Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting serious issues with the platform. Despite repeatedly reporting discrepancies to both Zelle and my financial institution, my concerns were dismissed without a thorough investigation. I was told that recovering lost funds was impossible and that tracking these transactions could not be done, leaving me feeling completely unprotected. The CFPBs findings make it clear that Zelle has failed to prioritize consumer safety, allowing repeat offenders to exploit the system and leaving users vulnerable to fraud. I believe Zelle must take accountability and implement stronger protections to ensure that no one else has to experience this level of frustration and loss.
Product: Debt collection

On XX/XX/2019 Reliant Capital Solutions sent a collections notice. A validation of debt notice was sent and received by Reliant. 
Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX , OH So Reliant received my dispute in XXXX. Today XX/XX/2019 Reliant posted this account to my credit score.