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

THIS IS THE FINAL DEMAND NOTICE TO REMOVE MY XXXX ACCOUNTS FROM CHEXSYSTEMS THAT XXXX XXXX BANK IS NOT IN COMPLIANCE WITH THE FCRA. I AM DEMANDING THAT ACCOUNT NUMBERS XXXX AND XXXX BE REMOVED FROM CHEXSYSTEMS AS PER VIOLATION OF MY CIVIL RIGHTS AND FCRA. ENCLOSED I HAVE ATTACHED DOCUMENTS THAT SUPPORT MY CLAIM. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. HOWEVER THESE ACCOUNTS WERE NOT CLOSED ON THE DATES REFERENCED ON THE REPORT. I RECIEVED REPLACEMENT DEBIT CARDS WHEN THEY HAD EXPIRED AFTER XX/XX/XXXX AND XX/XX/XXXX. THE ACCOUNT ACCEPTED A XXXX DEPOSIT ON XX/XX/XXXX. TO RECIEVE DEBIT CARDS AND XXXX DEPOSITS AFTER THEM DATES INDICATES THE ACCOUNTS WERE NEVER CLOSED. IN ADDITION, I CALLED CUSTOMER SERVICE ON XX/XX/XXXX AND SPOKE TO CUSTOMER SERVICE AND WAS ADVISED THE ACCOUNTS WERE IN A DORMAT STATUS AND THAT A DEPOSIT WAS NEEDED TO MAKE ACCOUNTS ACTIVE AGAIN. I HAD TO REQUEST THE ACCOUNTS BE CLOSED. THE REP SUBMITTED THE CLOSURE REQUESTS ON BEHALF TO THIER BACK OFFICE. I HAVE ATTACHED THE PROOF THAT THE ACCOUNTS WERE CLOSED ON XX/XX/XXXX. THEY WERE CLOSED LATER THAT AFTERNOON. I CALLED XXXX XXXX ON XX/XX/XXXX AND SPOKE WITH A REP WHO ADVISED THE ACCOUNTS WERE BOTH OFFICIALLY CLOSED ON XX/XX/XXXX. SO TELL ME HOW IS IT LEGAL TO FALSIFY CLOSURE DATES AND REPORT THESE ACCOUNTS WITH INTENT TO HARM ME WITH MALICE. I HEREBY ORDER XXXX  XXXX AND CHEXSYSTEMS INC TO REMOVE THESE IMMEDIATELY, OR I WILL SEEK A MONETARY LAWSUIT FOR SUCH NEGLIGANCE.
Product: Debt collection

I had an account with XXXX, at the end of the term, I already returned their modem and provided them with the XXXX tracking number, and they acknowledged that the shipment has arrived at XXXX, but they misplaced the modem in the warehouse and can not locate it. However, they kept sending me AmSher for debt collection. 
[ see attachment for proof my shipment, and name of customer service rep who acknowledged they received the shipment ) I called AmSher ( XXXX XXXX XXXX XXXX, AL XXXX ) and they failed to remove the collection. 

This is fraud from XXXX on a massive scale to defraud hundred of thousands of unsuspecting customers who have a modem/router that they lent them to use while being a customer. 

Please take decisive action and fine XXXX before they hurt more former customers like me. 

Thanks so much XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting

This account does not belong to me I have disputed this account ELAN FINANCIAL with the credit report company I have inform them that this is a fraud account. The credit report still reporting this account on my credit report they will not remove this item I have also inform ELAN FINANCIAL and they are not willing to provide with with any legal documentation with my proof of signature nor proof of DRIVER 'S LICENSE OR STATE ID please help me with this account again this account does not belong to me ...
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had a hard inquiry made fraudulently on my credit file. I was a victim of Identity theft & would like the hard inquiry removed from my credit report. The company is XXXXMILESTONE. Ive called on multiple occasions about this inquiry and it is still not removed from my credit file.
Product: Debt collection

AUTOVEST/ XXXX XXXX XXXX FILED A LAWSUIT AGAINST MYSELF XX/XX/XXXX AFTER PURCHASING MY AUTO RE-POSESSION DEBT FROM XXXX XXXX XXXX WHICH I DEFAULTED ON XX/XX/XXXX- SEVEN YEARS AGO. XXXX XXXX AND MYSELF SETTLED THIS DISPUTE AND AS A RESULT, AUTOVEST DISMISSED THE CASE WITH XXXX COUNTY XX/XX/XXXX. NOW AUTOVEST IS TRYING TO PERSUE THIS CLOSED ACCOUNT THAT HAS BEEN SETTLED AGAIN. I HAVE ATTACHED THE LETTER FROM AUTOVEST ATTEMPTING TO PERSUE THIS CLOSED COLLECTION, AS WELL AS THE SIGNED MOTION FOR DISMISSAL OF CASE WITHOUT PREJUDICE AND NOTICE OF LAWSUIT THAT WAS GRANTED DISMISSAL ON XX/XX/XXXX. I NEED AUTOVEST TO QUIT PERSUIT IMMEDIATELY.
Product: Bank account or service

Bank of America made moves and transfers in my checking account and my credit card whit out my authorization, and just told me that was a misunderstood, provoking late pay fees and damaging my credit report and credit score.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which also 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, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

At the time of purchase I was told no interest for 9 months at no time was I informed that this was considered deferred interest on the original purchase. I have been paying well over the minimum balance before the payment due date since Ive owned the card. Only to find out, it didnt matter. I was still charged interest. 

Every month Im battling bills, interest rates, and unforeseen fees on a fixed income. How am I supposed to build my credit back up, if card companies like Synchrony Bank, blindside you with back dated interest?
Product: Money transfer, virtual currency, or money service

I was a victim of Wire fraud transfer thru my Business account I have have ran for {$14.00} Million thru my 14 years with my business account and never send any amounts that got sent The scammer was in my account when he called made his own recipents and send the wires {$50000.00} and {$25000.00} no one ever called me, as AI realized i was getting scammed the bank stopped a {$28000.00} wire and {$15000.00} XXXX but let {$75000.00} go thru.. This was devastating, I have been a customer with a personal account for over 25 years.. I made police report, FBI, Police report so on I need help saw the news report tonight where CFPB is trying to crack down on these wire frauds to get relief to the victims I have provided paper work to attachments and can send more if need Thank you
Product: Credit card

On XX/XX/22 & XX/XX/22 there were unauthorized/fraudulent charges made to my Discover credit card. On XX/XX/22 I lost my cell phone and later on I realized I lost some credit cards too. These credit cards were in a small pouch, not in my wallet. 
I have auto pay set up on my discover card and didn't realize that the charges had been made until several months later. I reported the fraudulent charges as soon as I became aware of them. The charges were {$980.00} at XXXX XXXX, {$88.00} at XXXX XXXX XXXX and {$3200.00} at XXXX XXXX XXXX, all these charges happened in XXXX XXXX XXXX  XXXX 

Discover card is denying my claim and when asked for an explanation I was told that the merchant claimed the charges were made in person and " validated. '' When I asked how were the charges " validated '' the agent, XXXX, stated that she didn't have that information. I was also told that I had file 2 other claims in the past to which I note, I've have had my Discover card for over 10 years, and this is not the first time Discover falls short on their duty to protect me. One time XXXX sent a package that was lost by XXXX, XXXX sent confirmation that they couldn't confirm the delivery, yet Discover made me responsible. Another time, I lost my wallet, charges were made and a police report filed, but I was told by a Discover representative that when I called they input that I wasn't " happy with the purchases '' and that's why the fraud claim had been denied. I have paid Discover both times despite them failing to protect me and me not receiving any goods/services or having had authorized the transactions.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXDATE OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED XXXX XXXX XXXX XXXX WHY IS THE ACCOUNT REPORTING MORE THAN ONCE? 

ONE WITH A BLANCE OF {$770.00}, {$2200.00}, {$2700.00} AND {$770.00} LOOKS LIKE DUPILICATE ACCOUNTS TO HARM MY CREDIT WORITHENESS. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED CREDIT COLL
Product: Credit reporting or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because this account is damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

You must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be a rental home and I have been in a mortgage since XXXX. I do not know what this is or why this is on my report I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

Since XX/XX/XXXX I have accrued XXXX $ in overdraft fees due to a low balance. My balance was low because I am self employed and contracted XXXX, I have had to reschedule all of my jobs once I tested negative which was on XX/XX/XXXX. I asked bank of the west if they could reverse my overdraft fees for this reason and they said they allow reversal for one overdraft fee per year and I used it.
Product: Payday loan, title loan, or personal loan

As a XXXX XXXX rate service connected permanent, and total Veteran Administration XXXX XXXX XXXX Veteran since XX/XX/XXXX I never had credit cards or credit in my lifetime until I reached age XXXX due to untreated service connected XXXX from XX/XX/XXXX-XX/XX/XXXX I survived on low-low income my entire single not married adult life. I established too many credit card accounts because all were so low capped I took too many that I ran into trouble paying off monthly. XXXX has a system where credit cards are treated like " Cash Advance Payday Loans '' that must be paid off in full each by the first of the month when I thought I was applying for a " revolving charge account '' type of credit line never having credit cards in my life before. This became overwhelming on my Social Security Retirement {$450.00} a month benefit and for XXXX {$3100.00} a month VA XXXX with no savings, living alone outpatient care in XXXX XXXX with XXXX XXXX XXXX XXXX   veteran housing starting XX/XX/XXXX. I applied for a loan online with Avant they went directly into my XXXX XXXX XXXX Account page with remote password, and all credit card consolation loan for {$7800.00}. My credit rating went up 730-735 or so-after I paid them all off. But then a car repair gouge {$2500.00} on a XXXX XXXX XXXX front end work, and new tires XX/XX/XXXX over the year destroyed everything. All my accounts are closing, the {$310.00} to Avant is from Social Security thru two+ more years. I have applied for their refinance on $ XXXX balance several time automated system spits it back refused. I have explained my situation written email many times always automated system refusal with no personalized customer support type email in return from customer support. Now payments increase I use that payment for food, living, utilities, basic survival since missing last month payment after years of paying high interest.. No cooperation from Avant support at all just payment increase, and demand among other credit card companies like XXXX, XXXX XXXX and other high annual fee credit card corporations. Simply stated I can not pay on this loan another 2+ years from my XXXX now {$460.00} a month with XXXX XXXX  and maintain my XXXX XXXX, XXXX, XXXX XXXX and sustain a living situation or go homeless again after being homeless from XX/XX/XXXX to XX/XX/XXXX in XXXX County , XXXX XXXX , Florida . My Avant account monthly payment plan c/p : Principal Interest Fees {$140.00} {$170.00} {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX for XXXX Charge-Offs, Failure to Issue XXXX Forms, and Mishandling of Debt Accounts Dear CFPB, I am filing a formal complaint against XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX handling of XXXX debt accounts, XXXX ( amount {$XXXX} ) and XXXX ( amount {$XXXX} ). I believe that XXXX has engaged in unlawful and deceptive practices that have caused significant harm to my credit and financial standing. 

XXXX. Multiple Charge-Off Reporting Perpay has XXXX multiple charge-offs on my credit reports for these accounts, which is a violation of credit reporting laws under the Fair Credit Reporting Act ( FCRA ). A charge-off is a single event, but XXXX has XXXX reported it numerous times, severely damaging my credit profile. This misrepresentation of the status of the accounts should not be tolerated. 

Given the egregious nature of these multiple charge-offs, I am requesting the complete deletion of these accounts from all credit reporting agencies ( XXXX, XXXX, and TransUnion ) XXXX Simply correcting the errors or consolidating the charge-offs will not suffice, as the improper handling of this situation has already caused long-lasting harm. 

XXXX. Failure to Issue XXXX Forms XXXX has XXXX failed to issue IRS Form XXXX for the charged-off amounts, as required for debts over {$XXXX}. These charge-offs should have triggered the issuance of a XXXX, but I have yet to receive these documents. This failure to comply with IRS regulations raises questions about the legitimacy and handling of these accounts. 

XXXX. Continued Collection Efforts Without Verification Despite the accounts being charged off, I continue to receive collection efforts from XXXX without any valid proof of the debt. I have not been provided with : Full account history or itemization of charges. 
A copy of the original signed agreement related to these debts. 
Proof that XXXX has the legal right to collect on these accounts. 
Request for XXXX : XXXX and full deletion of these accounts from my credit reports, given the multiple charge-offs and unlawful actions. 
Investigation into XXXX failure to issue XXXX forms for charged-off debts. 
Confirmation that no further collection efforts will be made without proper verification of the debt. 
XXXX actions constitute a violation of both the FCRA and FDCPA, and I ask that the CFPB fully investigate these practices. Their conduct has caused significant harm to my financial standing, and only the complete deletion of these accounts can rectify this damage. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account (  JH Portfolio Equities #   XXXX   XXXX  :  XXXX   XXXX    XXXX   XXXX   XXXX    ). T he reason is because upon my first contact around  XX/XX/2017 , I received wildly inaccurate information from their collector,  XXXX   XXXX   XXXX . I was referred to as "  XXXX   XXXX  '', who i am not, i was told my DOB was  XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ).   Since that time and for good reason, I was able to get  XXXX  to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from  XXXX  dated  XX/XX/2017  stating such. On  XX/XX/2017   JH Portfolio Equities u pdated their report to the credit agencies.   My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on  XX/XX/2017  ) and having no available 3rd party agency to process said payment or negotiations.
Product: Checking or savings account

In XXXX I disputed a charge they said it would be credited with in 5days I have called repeatedly everytime it's a different story then they said that it was credited a month before it was even charged.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX XXXX Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX with an balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Urgent : Issues with Credit Report and Equifax Subscription Good afternoon, I have been offered XXXX credit cards, XXXX from XXXX and XXXX from XXXX XXXX. I have bank accounts with both institutions. I applied for the XXXX credit card, but a week later, I was denied because Equifax did not release my credit report to the bank without any explanation. 

A week later, I applied for the XXXX XXXX credit card, and the same issue occurred. XXXX XXXX sent me a letter advising me to contact Equifax to check my credit report. 

I contacted Equifax, and they answered in less than three minutes. They verified my identity and confirmed that they have my credit report and credit score, but I needed to sign up for their service to access it. They signed me up for My Equifax Complete, which costs {$9.00} per month. I paid the amount, and they will process my debit card every month. 

While on the phone with them, I received an email confirming the subscription. The email stated that I could log in with my email address and password. I asked the Equifax representative about the password, and he said I would receive an email with a link to create my password, but I never received the email. Since then, I have been trying to contact them by phone and email, but there has been no response. 

Even today, I called the Equifax cancellation department, and once again, there was no answer. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 CFPB 's 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 is completely unprofessional and unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ARE XXXX DAYS LATE EACH XXXX XXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) XXXX XXXX XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXX ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!