23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX, I filled out paperwork for the XXXX XXXX XXXX claims insurance which covers my auto and visa payment and I discussed payment arrangements with NFCU and made payments on XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX while my account was placed in a XXXX ( NFCU Vehicle Payment Protection Plan ) status. Although, all the correct paperwork was filed my account was placed in the NFCU Collection Department and giving a " Delinquent Status '' & every other day I was called about making a payment while also receiving XXXX dollar checking overdraft fee & on XXXX XXXX XXXX the NFCU Collection Department took it upon themselves to raid all my NFCU accounts including my spouse 's withdrawing at least {$550.00} and applied it to the auto loan. My NFCU Vehicle Payment Protection Plan claim with XXXX XXXX XXXX was approved during this period and a payment of {$820.00} was made to NFCU on XXXX XXXX, XXXX canceling payments that I had made from the period of XXXX XXXX XXXX XXXX while determining if any additional payments were to be cancelled for XXXX. On XXXX XXXX, XXXX NFCU collection department took out {$830.00} from my account interfering with my efforts to pay my other bills. These unauthorized withdrawals by NFCU, late charge fees and harassing phone calls keep happening that my spouse closed all her accounts with NFCU and I closed my checking account but I was informed this month ( XXXX XXXX XXXX ) by NFCU collection department that they were still trying to collect from that closed account and that I owed almost {$300.00} in late fees from a " closed '' checking account. They also wanted me to reopen a checking account and have a direct deposit placed in the account instead of me making my NFCU auto and visa payment through another bank. I have asked to have my auto payment moved to another day in the month but was told that NFCU can not change or reduce auto payments.
Product: Credit card

I closed my account, however, I DO NOT HAVE A WAY TO DOWNLOAD MY TRANSACTIONS FOR MY TAXES. This is my data, I should still have access to my downloads. I have no statements because they were all electronic.
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 th CFP Act. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFT Act.

I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This company is currently showing XXXX days late for the month of XX/XX/2020 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXX XXXX XXXX XXXX )
Product: Debt collection

Regarding Truist Bank. Account XXXX XXXX  Received a letter from from their recovery department dated XX/XX/XXXX. I received the letter via XXXX XX/XX/XXXX. The letter says I owe them {$52.00} including a {$30.00} charge off fee. I have called them XXXX XXXX XXXX XXXX  times XX/XX/XXXX and XX/XX/XXXX. Talked to representatives who couldnt tell me what the debt was regarding. They transferred me to their recovery department XXXX XXXX  ). Left messages both days because they said in a recording they were very busy and couldnt answer the phone. I left my name, account number given in the letter, my phone number. On XX/XX/XXXX, the message said they would return my call within XXXX hours. I havent received a call, now 2 days later. I said in the message left today, XX/XX/XXXX, I would be contacting your department. FYI, I checked XXXX Credit Bureau and saw nothing with the Truist name on an account. 

There is a payment invoice to be detached and returned with payment to : Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to submit a request to have a hard inquire removed off my credit report. 
The name of the company is called Syncb a national credit card airline based in XXXX Florida. I made first contact via phone and expressed my concern with invalid information regarding me I was told by the company to dispute the claim through XXXX XXXX which lead me to Consumer Finacial Protection Bureau.
Product: Debt collection

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX  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: Checking or savings account

Subject : Unjustified Blocking of My Checking Account I am writing to express my concern regarding the unexpected blocking of my checking account. On XX/XX/24, after attempting to transfer {$10000.00} to my checking account at XXXX  XXXX XXXX, my account was blocked without any prior notification. I have verified the account with the Citibank 's inbuilt login system for XXXX  XXXX XXXX I have since contacted Citibank 's fraud department multiple times, verified my identity, and successfully answered all security questions. Despite these efforts, my access to the account remains blocked, and I have not been provided with a clear timeline for the resolution of this issue. 

This situation is causing significant inconvenience, and I urgently request a prompt resolution to restore access to my account. Please provide me with an update on the status of the block and an estimated timeframe for its removal. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX and XXXX  XXXX.
Product: Credit card or prepaid card

Happy holidays everyone, I am writing this note and complaint to warn all military and veterans not to use this company for nothing whatsoever. First of all, Ive always made all of my payments on time and yet they are saying that I had a payment returned two weeks ago when I fully have all the payments made without any returns from my bank account. 
I called today XX/XX/XXXX to let them know that they have not released my funds which has been deducted from my bank account, so the agent says that he needs to call my bank to verify. I said go ahead, we did the verification with my bank agent and they said yes the amount have been deducted from my account and that capital one should made my funds available, but yet the agent says that they can not release the funds until 7nto 10 business days. So I ask for a supervisor and when he got on the phone ( XXXX ), also told me that I had a returned check, so I asked him to prove it and yet he couldnt. Because I know I never had a returned check for no reason whatsoever to capital one and I am attaching the screenshots so you can see for yourself. He was like, I can not release the funds. 
So tell me people what kind of practice is this method by capital one, I also told them that I need the funds to be released because I am out of the country and I need to make some purchases because that is the only card I have in our possession and yet he was formed on his decision that no no he will not release the funds until the 7th to 10th days. And yet on the capital one application it clearly states that funds will be available the next business day, so what is going on capital one are you that big now that you have a green light to abuse customers. Just shame on you. 
I have more complaints which I have more proofs just because I dont have the time and health I said forget it but now this is too much. And yes capital one I have the proofs for everything. Lets go to court and see who will win.
Product: Vehicle loan or lease

I have problems with lobel financial. because they want to charge me penaltiesor " coverage '' like they called it for insurance coverage. something that I had been paying since I got the vehicle. my insurance policy hasn't change that's why I don't get it because no other bank has I ever had that problem.this same problem I had at the begining and I was asked to send the paper work which I did and didn't espect to go through the same problem every year. I just hope you can help me fix this problem.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of an inaccurate and fraudulent account present on my consumer credit reports and to bring to your attention the failure of XXXX BANK to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to this company to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company and this account was reinserted with no permissible purpose and without my consent. 

XXXX BANK claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, this account are still inaccurate and is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders XXXX use any of the XXXX to check a consumer 's credit history. XXXX BANK did not remove the inaccurate account that have been furnished on my consumer file and I have never gave my consent to re-insert or furnished this account. No consent is Identity Theft and I have attached evidence that XXXX BANK is in violation. 

I demand you cease and desist pursuant to federal laws XXXX U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit card or prepaid card

On or about XX/XX/2022 I applied online for visa card Chase Freedom XXXX and I was denied. While I have Excellent XXXX Score of XXXX which was update by XXXX as of XX/XX/2022. Also, on same day I contacted Chase credit card company and they refused to give me any answer. 
I believe that I was discriminated against because of my race, national origin, XXXX, age, and Exercising in good faith my rights under the Consumer Credit Protection Act.
Product: Debt collection

On XX/XX/XXXX my bank account was debited for XXXX without my authorization. In talking to the bank the Legal Order was ordered by Portfolio Recovery Associates. I received a Notice To Defendant to my father 's address dated XXXX/XXXX/16 for an amount of {$6000.00}. 

I have no idea why this judgment was entered and what this is for. 

I lived with my father for 6 months but did not incur any debts, did not make any purchases and I 'm not familiar with who Portfolio Recovery Associates is. 

Now I have no money to feed my son and no money to pay my rent.
Product: Money transfer, virtual currency, or money service

Cash app They charge {$1.00} if someone send you money, and you you load money into your account
Product: Money transfer, virtual currency, or money service

I am writing to 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 discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informe me that recoering lost funds was impossible and that tracking these ytransactions 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 the system, leaving users vulnerable to scams.
Product: Checking or savings account

Only XXXX XXXX I received two debit cards in my name to my home address which I didnt open myself. I went to the bank and see and it turned out to be a result of someone taking my SSN, address, birthday, and all other personal information. I filed a police report XX/XX/2022 and also submitted an Identity Theft Victims Complaint to the company. The company has since closed both of those accounts but I received a notification today on my security apart app that they were seeking more information about me today online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX XXXX and XXXX
Product: Checking or savings account

I deposited some checks into the Citibank ATM on XX/XX/2019. I was misinformed that my funds would be available the next day. 

The funds were not available. The reason Im upside is because I missed a doctors appointment. I missed the doctors appointment because I couldnt pay the fee and had to reschedule. 


Peoples lives dont stop on the weekends anymore. Its XX/XX/2019. It shouldnt take Citibank this long to clear checks. Because of this I also couldnt pay rent on time. I made the mistake of depositing my checks when I couldve gone to another bank and gotten my funds the same day. 

Because the buffer Citibank placed on my funds I missed a doctors appointment which I took the day off of work to attend. This means Ill have to take another day off work.
Product: Credit card or prepaid card

I have multiple Bank of America credit card accounts. On XX/XX/ I inadvertently made an electronic bank payment to the wrong Bank of America credit card account. I now have a credit of over XXXX XXXX in one account, and a balance of over XXXX  XXXX in the other account where the payment was supposed to be deposited. This is the second time in the past 5 years that I have made this type of error which is not hard to do. The last time this happened, it took Bank of America almost 30 days to correct the error. Meanwhile, I continue to accrue interest on the account that should have been paid, and obviously Bank of America does not pay any interest on the credit balance on the incorrect account. I believe that they are purposely delaying the transfer to benefit themselves at the expense of their customer. There is no justifiable reason for any financial institution to delay a transfer of funds from one client 's account to another after confirmation that they physically hold the funds in their account.
Product: Money transfer, virtual currency, or money service

Paypal permanently closed my account with my in my balance and making me wait 6 months just to be able to withdraw it and im not waiting 6 months just to be to get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will also name anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.