23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 I scammed into XXXX zelle transactions, each for {$150.00}. Immediately after the transactions I realized that I was not getting what I was supposed to get and attempted to cancel the transactions but I had no option of doing so. I also called my credit union to tell them to cancel the transactions. They said they couldnt and I had to file a dispute for the XXXX transactions. The transactions were made on XX/XX/year>2024 then it was posted completed on XX/XX/year>2024 which I should have been issued a refund on because I called on the XXXX, the day before it was completed. I just received a letter from my credit union saying that I am denied my money to be refunded and that is absolutely wrong!! I should have the right to cancel a transaction that I immediately made aware of to my bank that it was wrong and that I want to cancel it but I never was given that option. I need my money back because that is all the money I have and being a homeless veteran, this will cause so many problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXXXXXX XXXX XXXXXXXX Bankruptcy case number XXXX XXXX XXXX  account number XXXXXXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Money transfer, virtual currency, or money service

I had a virtual prepaid mastercard giftcard through XXXX ( card issued by XXXX  ). They restricted what services I could use the card for. Specifically I wanted to use it to pay my water bill ( my water provider accepts credit cards with no extra fee ) and they kept declining the transaction. When I called the card issuer they said I could not use it for that and only for regular stores.
Product: Vehicle loan or lease

I called and asked if I would be able to skip a months payment and add it to the end of my loan as I didnt have the finances to pay the bill and have enough money to put food on my table that month. I had lost my job and was looking for another at the time. The lady I talked too ( all of their phone calls are recorded, but they wouldnt give them to me without a court order. Obviously because they know the phone calls are the only evidence I have ) said that she needed to ask a manager. She came back and said that was completely fine, that I would just have a late fee the next month. Im guessing she didnt put that information on my account, and they put a delinquent payment on my credit report. I called them XXXX times and talked to a supervisor. Nobody could fix my issue. They gave me the run around. Every time I asked what their policies are, I always got a different answer. According to the supervisor I spoke with, XXXX of their employees severely broke policy. The XXXX  girl I ever talked too gave me inaccurate information. I still dont know if this bank does help people who are struggling financially because I got so many different answers. The XXXX girl I talked too told me my credit score, which according to the supervisor she was 100 % not allowed to do. The XXXX guy I talked too lied and said that he cant even see my credit score, which I KNOW is a lie because the previous girl told me my score. I got a form to fill out for a credit dispute, but I wasnt able to access it. I got the account up to date as soon as it went on my report. They will not take the delinquency off my report even though it was a mistake by XXXX of their employees. I should not suffer for this banks employees mistakes
Product: Debt collection

ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .
Product: Debt collection

Capital One filed a lawsuit against me without any written notice or communication. I requested validation on XX/XX/year> by certified mail. I received response from the said attorney by USPS mail on XX/XX/year> dated XX/XX/year> with insufficient validation. The lawsuit was filed on XX/XX/year>. The only way I found out about the lawsuit was through mailed attorney advisements, none came from Capital One 's attorney XXXX XXXX XXXX XXXX. My consumer rights have been fully violated.
Product: Debt collection

Capital Link Management has been contacting my daughter and husband on their cell phones, one of which is a employer-provided mobile phone. They leave multiple voicemails stating they are collecting a debt for " my first and last name '' with a threatening tone, but probably being careful with the words they use. They have sent my daughter texts. When she replies " STOP '' to " opt-out '', seconds later she'll receive another text from a different number. It is always a male that leaves voice messages and one actually spoke with my husband. One of the voicemails states his name is XXXX. 

I DO NOT owe any past due debt. My credit is excellent ( score averages around 800 ) and any lines of credit I have are in excellent standing. 

My personal credentials have been in various breaches over the years, including XXXX, XXXX, etc. As a result, I have been a victim of identity theft. " Someone '' submitted a XXXX tax return with my SSN and personal data. Thankfully the IRS have security protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. 

I would like Capital Link Management to cease all communication with my family members, as I do NOT owe or have any past due debts.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Halsted Financial Services for violating the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ). I allege that Halsted Financial Services has engaged in the following unlawful practices : Failure to Provide Validation Information : Halsted Financial Services has placed a collection account on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). This information is essential for me to verify the accuracy and legitimacy of the debt. Denial of Right to Dispute : Halsted Financial Services has failed to provide me with the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This has prevented me from challenging the accuracy and legality of the debt. False, Misleading, and Deceptive Practices : Halsted Financial Services has used false, misleading, and deceptive means in their collection efforts, which violates consumer protection laws. Unauthorized Reporting to Consumer Reporting Agencies : Halsted Financial Services has furnished information about the account to consumer reporting agencies without providing the required disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action is unlawful and has damaged my credit report. As a result of Halsted Financial Services actions, I have suffered financial harm, emotional distress, and damage to my credit reputation. I request that the CFPB investigate this matter and take appropriate action against. I would be happy to provide any additional information or documentation that may be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company my dispute is with is US Bank. In XX/XX/XXXX I spoke with US bank and let them know that my wife and I had recently had our daughter, and that I was running behind on that payment due to my wife being XXXX and out of work. Anticipating the labor and delivery costs and temporary loss of income I proactively wanted to resolve this as soon as possible. I have never missed any payments on anything in the 12 years my credit has been established, I also never missed a payment on my previous mortgage. I was told that the XX/XX/XXXX payment would be marked late and that I would be in a payment arrangement starting the next month in which, as long as I made the payment arrangement amount, nothing would adversely impact my credit or show late on my credit except for the XX/XX/XXXX payment. I accepted the one late payment, and proceeded to make every payment arrangement payment on time. I called in frequently as records should indicate, and constantly reached out to make sure that everything was good on my mortgageand every time I was told that I was good and to continue making payments. Following the advice that I was given, I still was marked late for many months on my credit report. If I had known my credit would be impacted this much, I never ever would have entered into a payment arrangement and instead made a double payment after my month of hardship to bring me current. Never would I allow my credit report to be marked late that many times if I had any indication. I have spoken to many different customer service representatives, today a conversation lasting around 58 minutes to assist in resolving this issue.l and was hung upon when they couldnt give me an answer. I feel that I have gotten the run around ... Ive called at least 20 times, even with assistance from another mortgage professional ... and still..no one has helped me. Ive been hung up on and treated very poorly. Ive put in a dispute with US Banks default reporting department, sent an email and at least 4 faxes to their credit reporting department, as well as filing disputes with all 3 credit bureaus. The loan has been paid in full as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

L J ROSS ASSOCIATES INC is reporting a Inaccurate account on my credit report, The account is not mines and L J ROSS ASSOCIATES INC has failed to verify the Accuracy of the account in question, I have no sign contract with L J ROSS ASSOCIATES INC They are Illegally putting things on my credit report
Product: Credit reporting or other personal consumer reports

On Monday XXXX around XXXX, in the course of exploring loan options, I called Experian and unfroze my credit report. I immediately received two emails from XXXX XXXX. The first one indicated that I had just opened a checking account with them, and the second confirmed that I had changed my notification preferences for two different accounts to " online '' rather than paper. 

The emails were sent to " XXXX ''. My actual email address is " XXXX '', but I understand from a bit of search that XXXX regularly consider " dotted '' versions of one 's email as belonging to that same individual. So the account was opened under an email in my name, which technically doesn't exist, but routes to my similar email address. Also, one email is addressed to " XXXX '', which is my father 's name, so perhaps they are using some of his information. 

I immediately called XXXX XXXX and reported the issue. They confirmed to me that there are no XXXX XXXX accounts associated with my social security number. I was still concerned about why the account have been opened immediately after my credit unfreeze, and asked them to look into these individual accounts and close them or at least confirm that they were not affecting my credit score, and they were unable to provide any confirmation. I did provide them with the ending four digits of the two account numbers, which did appear in the email regarding notification preferences. 

I'm aware that in the past XXXX XXXX had major issues with fraudulent accounts being opened in peoples ' names against their will, and it affecting their credit score. I think that what I'm seeing is exactly that. It should be investigated and handled immediately if there are departments creating or allowing the creation of fake bank accounts. I do not believe XXXX XXXX is going to take any action based on my report, nor did they promise to, but instead need to be held accountable from the outside.
Product: Credit card

Mountain America Credit Union reported a Late Payment/Missed payment that was incorrectly reported to the credit reporting agencies by MACU on XX/XX/2023. MACU customer service confirmed to me that this missed payment was a result of a a bank error by Mountain America Credit Union in which my automatic payment was accidentally turned off. MACU acknowledged this mistake and agreed to update to the credit reporting agencies. 

Late payment for XXXX ( XXXX ) This missed payment has caused considerable damage to my credit score and resulted in XXXX of Dollars in compounded interest charges to accumulate as a result of the increased interest rate due to this damage to my XXXX 

I am requesting that MACU immediately update to the credit reporting agencies that this was not a late or missed payment but done as an error by your bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with both Capital One Auto Finance and XXXX. I had an auto loan with Capital One back in XXXX. I filed for XXXX XXXX Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my XXXX credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that Capital One left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and Capital One and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX XXXX : XXXX XXXX Account # : XXXX Duplicated twice on credit report XXXX XXXX Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with Equifax and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Equifax : Equifax Acct : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Had a medical debt of {$1500.00} owed to XXXX XXXX XXXX company for an incident that happened on XX/XX/XXXX. They billed me to the wrong address and I never received it so it went into collections with the Aargon agency. However, XXXX XXXX never billed my insurance company at the time which was XXXX XXXX. I was having trouble getting the correct documents to dispute the case so that XXXX can pay the bill and in the meantime I had paid Aargon agency 2 payments of {$320.00} on XX/XX/XXXX and XX/XX/XXXX for a total of {$640.00} so that this would not affect my credit. I had been working with XXXX XXXX ( XXXX ) ext XXXX and also the XXXX XXXX ext XXXX at the time. I finally got the appeals department for XXXX XXXX who I was working with XXXX XXXX ( XXXX ) to pay 100 % of the XXXX XXXX XXXX and they sent the whole {$1500.00} to Aargon Agency. When I called Aargon agency to make sure they had received the payment in early XXXX, XXXX had told me they had received it but XXXX XXXX should be giving me my refund which I thought was odd because they have the payment of XXXX. However, when I called XXXX XXXX they had told me once again that Aargon Agency needed to pay me the refund. This has been going back and forth and I have tried to email XXXX at his email XXXX XXXX different times about this and there has been no response. He had told me he sent an email to the department that handles things but hasn't given me any update. Everytime I call I get the same answer and it has been almost 2 months since this was paid in full. I would like to get my money back which I deserve from the Aargon collection agency of {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am compelled to file this urgent complaint against Experian due to their flagrant disregard and gross non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the handling of fraudulent entries on my credit report. My identity was compromised as part of the XXXX data breach, leading to several fraudulent accounts appearing on my credit report, which Experian has repeatedly failed to address despite my exhaustive efforts to dispute these inaccuracies. ONLY EXPERIAN IS REPORTING THIS INACCURATE FRAUDULENT INFORMATION EXPERIAN HAS FAILED TO INVESTIGATE PROPERLY.The negligence displayed by Experian has caused significant financial and emotional distress, and it is imperative that these issues are resolved promptly and justly. I trust that the CFPB will take immediate action to ensure compliance with federal laws and to enforce the rights afforded to consumers under the FCRA.Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 [ 15 U.S.C. 1681i ] ) : Despite my previous disputes, it appears that no meaningful investigation has been conducted into the disputed entries, particularly regarding the accounts listed below, which are fraudulent : Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information. Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues. Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to
block fraudulent information within four business days of receiving an identity theft report, which has not been observed.

Right to Information on Investigation Procedures ( FCRA, Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I request a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted, and their telephone number, if available.