23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phoenix Financial Services does not have a license to act in the State of California. They are attempting to collect a debt that they claimed I owe but are acting outside the bounds of the law. Their NMLS ID is XXXX. They are licensed in 12 states but California is not one of them. I already paid them {$260.00} but after submitting an initial complaint, I realized that they are not acting within the bounds of the law.

The letter they sent me clearly shows that it was mailed to my address in California and that they are attempting to collect a debt. They even accepted payment from me over the phone while I was in California. This is highly illegal and they need to be investigated for engaging in illegal activities.

For anyone who is dealing with Phoenix, double-check their NMLS ID to make sure they are able to practice in your state. Very likely, they aren't. The image I provided clearly states " California License Number : Application Pending. ''
Product: Credit reporting or other personal consumer reports

I previously disputed this account with your credit bureau. I let you know this account was not being reported accurately and is hurting my ability to obtain credit. This account can no longer be reported to my credit report because reporting this account violates my rights for the FCRA. The vehicle in this account was Voluntarily Surrendered in XX/XX/year>. Since then the account has repeatedly been updated every month with inaccurate information every month. This is an update in the payment history. The account listed below need to be immediately removed from my credit report as it is reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report with no contact information how am I supposed to resolve this matter? 

The bureaus are in violation of section 609 of the FCRA This information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reach out to TransUnion to change my address they have not done that. I sent them a copy of my ID and still have other addresses on file.
Product: Credit reporting or other personal consumer reports

I have contacted the collection company involved ( XXXX XXXX XXXX XXXXXXXX ) and demanded them to cease & desist All communication with me regarding the alleged debt and the company is still communicating with me. According to 15 USC 1681a ( 4 ) I have the right to privacy. I never gave this company my written consent to communicate with me PURSUANT 15 USC 1681a ( 2 ). 

Amount : {$15000.00}
Product: Payday loan, title loan, or personal loan

I received an email from ACE Cash Express on XX/XX/XXXX stating my loan payment for {$140.00} is coming due XX/XX/XXXX and would be withdrawn from my account on XX/XX/XXXX. The last four digits of the account number matched my savings account. The company withdrew this amount from my savings. For some reason it was reversed but the bank was unable to tell me if that was on their end or ACE Cash Express. Using my email, I tried to logging to ACE Cash Express by using the forgot password option and the login link they provided in the email. After logging in I was able to see my outstanding balance of {$680.00} and payment schedule showing this is a new loan that I have never made a payment on. The payment schedule shows {$140.00} due every two weeks with the next payment coming due on XX/XX/XXXX. I was unable to locate any loan documents in the portal or reach ACE Cash Express by phone. I did not take out this loan and I did not receive a loan from this company.
Product: Credit card

On XX/XX/year> I called the company ( Chime aka XXXX ) to let them know that I noticed unauthorized charges on my credit card. They said they would open a claim and investigate. On XX/XX/year> I logged in to check the status and realized my claim was denied the same day I opened it which was XX/XX/year>. I called them and they could not provide a reason. They said the team who handled the claim didn't provide a reason. They said I should have received an email. I never received any information about a decline. I found out via their mobile app.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX There are no account numbers listed on ANY of my credit reports.
Product: Student loan

Fedloan, changed my Income Based Repayment from XXXX a month to almost 900. When I called and questioned they said I was missing paperwork and it was my fault, I questioned them about what paperwork and why I wasnt contacted regarding the missing paper they said it was a mistake on their end and that they will resolve. After speaking with an escalated case manager I was issued the difference of around 500 dollars, which I was told I was getting my refund back at the end of the month, now another representative actually laughed and said no it takes up to 50 days! I called again and was on phone for almost an hour because now it shows that my payment is late and that I owe them XXXX, I call and to no help and the representative actually questioned me to when Im making my payment and to reinstate my auto debit. I call daily and everyday I get a different answer and made to feel inadequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports bank XXXX XXXX XXXX paid on XXXX   but not on Equifax and XXXX. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX  XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

. I have been trying to work with Citi mortgage to obtain a loan modification to stay in my home. However they have not been willing to help me. There service department has lost my file XXXX different times and claimed that I never started a loan modification. They have issued me just in the last seven months XXXX different customer support specialist ( XXXX XXXX ) Which would not return my phone calls and would not return email in a timely manner. Out of the blue they pulled her out of the case and then we got ( XXXX XXXX ), which seemed to be very kind, understanding, and very accommodating. With XXXX, over the last several months we were able to get all of the documentation to her in order to complete the loan modification. XXXX indicated that she has submitted all the paperwork to underwriting department. XXXX gave me the reassurance that she would do anything that she could to keep me in my home. Citi Mortgage went ahead again and switched customer support specialist to ( XXXX XXXX ) which will not return our phone calls or emails. I have called her everyday, I was lucky one day and she actually picked up the phone. She asked my information and my loan number, as soon as she identified who I was she stated that she was on the other line. It has been over a week and I have still have n't heard back from XXXX. I just received a letter from XXXX and XXXX, which is a firm that has been retained to conduct a non judicial foreclosure sale. I am absolutely shocked, I was just told thirty days ago that all of the paperwork that I submitted looked very good and they were going to do anything to keep me in my home. Now my case has been sent over to a law firm for foreclosure proceedings. I know this is definitely against the law, and they are commiting fraud. they have not tried to help me, they do n't communicate with me, they keep switching my file around to different individuals within the company with no resolution.
Product: Checking or savings account

Been a customer for almost 2 years. Had a replacement card stolen and used and haven't been able to get credited for the amount that was stolen. 

Heres the summary : XXXX  - I was notified of the requirement to get a new debit card. I didn't request it, but was told it had to be done because they were upgrading their systems. 
XX/XX/XXXX - Card was delivered. I got notifications to activate the new card. I didn't activate it because I had not retrieved it out of the mailbox yet. 
XXXX  - Card was Stolen out of my mailbox before I could retrieve it. I have XXXX XXXX footage of this. 
XX/XX/XXXX - Card was used by thief XXXX  - I disputed the transaction and requested to have the card canceled immediately via email - the only way to get in touch with Found at night. 
XX/XX/XXXX - Card was used by thief about 25 more times for a total of ~ {$3000.00} XXXX - Chatted with Found support to cancel the card. The support rep admitted that there was no way for me to cancel the card myself, because I did not go through the " activation process. '' Attached is part of the chat that shows the card wasn't activated. 
XX/XX/XXXX - Reported all fraudulent transactions. 
27 business days with no update or provisional credit applied. ( Well beyond Reg E requirement. ) XXXX - Was informed that only some fraudulent transactions would be credited, but not the other ~ {$2300.00}. I tried to speak to somebody who could help, but the support reps wouldn't allow me to speak to anybody in the Risk department about the transactions. Over the phone, the rep did confirm that debit cards are sent in the mail already activated and available for use even though all messaging indicated that it would have to be activated prior to being used. I was told I would receive a call back from a supervisor who might be able to help. 
XXXX  - Asked for more information/details; requested to speak with somebody countless times with slow/no response XXXX  - Email response from a rep indicating that I was responsible for the charges because I didn't keep account details/PIN secure, but no details about this. 
XXXX - Sent email with mention of Reg E non-compliance with XXXX copied XXXX  - No update or resolution communicated
Product: Debt collection

Trojan Professional Services is a collection agency which I hold no contract with nor have received services from, however, they are reporting a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of debt from each credit bureau, as well as Trojan Professional Services via a third party company. However, I have not received adequate proof. Considering this business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof, I am not obligated to pay the alleged debt. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report.
Product: Money transfer, virtual currency, or money service

On today a stranger came to my residence inquiring about my house being on the list for XXXX XXXX. I explained to them that my house is off the market. Then later on this afternoon I gets an annoying constant calling and hang up calls from XXXX XXXX XXXX XXXX XXXX. And I made several attempts to contact the main contact person XXXX XXXX @ XXXX XXXX XXXX however theres been absolutely no return calls whatsoever. Then on last weeks recorded conversation with a Wells Fargo Customer Service Representative they informed me that the XXXX XXXX XXXX acts independent of them and can put my home on the Sheriffs Sale list whenever they feels like it. These are nothing but retaliation tactics for reporting them to you all. So then Wells Fargo lies again claiming that my residence isnt up for XXXX XXXX but the attachment today that I got only says otherwise. Im sick and tired of their constant prejudice and discrimination game playing due to my disabilities.
Product: Debt or credit management

in XXXX of XXXX, i signed a consent judgment with Stenger and Stenger agreeing to payments for an unpaid debt i had. They had offered several lump sum settlements with a much lower amount, but i didnt have that lump sum so i signed an agreement to payments. in the agreement it states " it is further agreed that all other means of collection are stayed conditioned on said payments being timely made ''. and at that point no lien was put on my house according to them, because they operate out of Michigan. in Indiana it is automatically put on my house though, so come XXXX when i tried to sell my house, the title company found the judgement. i gave them my consent judgement and was told they needed a letter of partial release of lien. on XX/XX/2024 i called stenger and stenger and attempted to get this letter, or to settle for a lower amount like i was previously offered several times. I was told by several people that i could just keep making my payments but they could not send that letter to the title company. i then asked about a settlement and was told i'm " not eligible for settlement because a letter would need to be sent to the title company confirming it was paid and the lower amount '' i then asked if i didnt sell my house if i could settle my debt and was told i am ineligible for the same reason over and over. i was also told they put a note in that i am selling my house and will be ineligible and must pay in full. 
my two problems here are that the consent judgment is extremely misleading, i read that as though no lien would be held against my property if i made payments on the full amount, and my second problem is that i was made ineligible for settlement strictly because they where told i was selling my property. i understand the debt is mine to pay, but up until i wanted to sell my house i had options for settlement. this seems like they found out they could get the whole lump sum and decided to stop interacting with me productively
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate status on my credit report. I have tried disputing it several times with no prevail. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my case 180 days past due. The problem is, I have not missed a payment in almost 2 years. The problem is with experian, and XXXX XXXX XXXX  XXXX XXXX XXXX. My job directly takes the monthly obligation out of my paycheck every two weeks per court judgement that was mailed to them when i first started working there. This is directly effecting my credit score and giving me a bad name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

A fraudulent check was cashed we reported it and the customer service did not do the correct job and let the fraud clear and said it was a civil matter knowing that the check was fraudulently cashed by having a signature on the back of the check was fake. We notified them that the check was in our possession and was not signed on the back. We did not owe this company any money they did not have authorization to cash this check. 
They refused to take the evidence into consideration and proceeded to finalize the decision of fraud to be ok and paid out the XXXX not owed, although they recommended to close the account and start a new one. This is obvious a violation of the bank to do due diligence against fraud of a customers account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

I sent {$500.00} by mistake to someone who was already in my zelle transaction. I noticed right away and called the number of the person the zelle belonged to. They told me they would wait to make sure that I wasnt committing a scam. I reassured them that I was a real person with a real account and that I sent the money by mistake. They promised that after seeing the money in their account he would refund me the money. He dragged me for over 3 months telling me he would send it and never did. I also during this time contacted my bank to make a report and file a claim. They said that unfortunately there was nothing that they could do on their end. So I lost {$500.00} because my institution was able to do nothing for me since the money was already transferred. This caused me major XXXX  for a great period of time due to this being money I was using to pay for a bill. As someone who lives check to check this was in fact very impactful in my life. I tried to retrieve my paperwork from the claim and the proof of the transfer but my bank only lets me go back as far as 18 months of history and this is about 2 years. I really hope that I finally am able to get this cleared out and reimbursed for my money. Since I couldnt find the transfer I made, I attached screenshots of me requesting the money back. He never did.
Product: Bank account or service

Dear CFPB, I am writing you because I am fed up with Fifth Third Bank taking advantage of my funds. Fifth Third Bank has gotten so comfortable with cashing checks through an account before applying the deposit when they come in at the same time. Fifth Third Bank is know for posting the incorrect date of the checks posted towards your account to look as if the checks posted before your deposit. Please know that I speak for my retired mother whom has been take advantage of too. My mom has been with Fifth Third Bank for 30 years and purchase her home through them as well. Due to me presently been laid off work I am just in tears about how they have been taking my money and getting rich unfairly at the sweat of the less fortunate in society. Please, please, investigate Fifth Third Bank and how they are cheating people out of there hard earned money. 
I look forward to you helping me, Despondent Customer
Product: Credit reporting or other personal consumer reports

My student loans were supposed to fall off of my credit report since I filed with Nelnet and showed proof that I am XXXX XXXX XXXX veteran. They took these accounts off of my XXXX and XXXX but XXXX refused to remove them even after I filed a dispute. They concluded that they will not. This must be an error. I am trying to buy my first house this year and I will not be able to qualify if my credit report isnt fixed. Please help and remove these student loans from my XXXX credit report and the false late payments on them as well. Thank you so much for your time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I out and noticed I couldn't use XXXX XXXX XXXX. I went to the bank to next day and asked why I was having this problem, because I previously had XXXX plus dollars in my account. The bank teller XXXX informed me that ADP XXXX  took out an unauthorized charge of XXXX from my XXXX bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX ADP closed my account on XXXX XXXX and they stated I closed my account on XXXX XXXX and they stated I had a XXXX balance and a XXXX liability. I explained this information to bank and they opened an unauthorized debit or incorrect debit written statement, because I never gave ADP permission to debit my bank account XXXX. Furthermore, ADP closed my account then debited my bank account after my ADP account was closed and the bank teller told me ADP has not authority to debit my bank account after the account was closed. ADP broke the law and its fraud for taking my funds and stating I had a zero balance, but ADP still debited my account. I am willing to press charges on ADP for fraud and theft.
Product: Bank account or service

Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.