23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XX/XX/XXXX from Makower Abbate Guerra Wegner Vollmer PLLC stating I owe {$3600.00}. This is an ongoing matter I have been disputing with them since XXXX of last year. However, the last invoice they'd sent in XXXX of XXXX stated I owed a little more than {$1500.00}. I have been making my XXXX  payments on a regular basis and there is no way my debt could have doubled. Firstly, this is not a legit debt amount ; secondly, they have not followed the bylaws of my condo association regarding notification of violations ( Article VI of the bylaws, regarding Restrictions. Section ( c ) ( i ), ) ; thirdly, they threatened to take legal action if I did not pay the full amount of {$3600.00} by XX/XX/XXXX. 
I have paid ALL my XXXX fees since I moved into my unit last XXXX. They have taken the position I can not split my monthly payments in half and pay twice a month. This is a matter that is under dispute and considering I am disputing, they are obligated to cease further action until the matter is resolved. They have not done so. 

I have a copy of the bylaws of my association, but the file is too large to send. I can provide it to you by another means, if needed.
Product: Debt collection

I am consumer, natural person and my federally protected consumer rights have been violated repeatedly by Credit Corp Solutions. I provided Credit Corp Solutions an signed notarized affidavit of truth & Cease & desist on XX/XX/2021 regarding the alleged debt and find that they are using abusive practices against me for this alleged debt which is a violation of 15 USC 1692 by continuing to contact me without my written consent Credit Corp Solutions is choosing not to follow federal law. Based on the definition and federal laws : Truth In Lending Act, 15 USC 1692 and 15 USC 1681. Credit Corp Solutions , Inc is a debt collector and here by fail under 15 USC 1692. Since loans dont exist and the alleged contract is a consumer credit transaction and I sold my credit to Credit Corp Solutions , Inc pursuant to 15 USC 1602 H, the alleged contract in question is fraud and thus null and void. I am in distress and is causing me grave concern that Credit Corp Solutions Inc continues to contact me although they were notified of the Cease & desist from me on XX/XX/2021.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and another XXXX XXXX They could not provide me with the following information : 1. Name and address of the original creditor 2. The amount of the alleged debt 3. Itemized statement of the alleged debt 4. Proof that they are authorized to collect this debt on behalf of the creditor. Verification of debt is within the statute of limitations. I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX  Balance : {$4900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelles 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, financial institution and Zelle failed to investigate my claims adequately. They informed that recovery of lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also have repeat offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

To Whom It May Concern, I am writing to express my deep dissatisfaction with the handling of my credit account by your company. Two years ago, I signed up for a promotion that advertised NO INTEREST for 2 years, only to later discover that the promotion was not applied to my account and I was being charged regular interest rates. To make matters worse, the company has now retroactively added all of the interest back to my account, causing my balance to skyrocket and negatively impacting my credit score.

In addition to this egregious error, the company has also inexplicably lowered my credit limit, despite the fact that I have consistently made on-time payments and was close to paying off the card in full. This arbitrary decision has only added insult to injury and has further damaged my financial standing. 

I find this behavior to be not only unethical but potentially illegal. In the current economic climate, where many individuals are struggling to make ends meet, it is unconscionable for a company to engage in such deceptive practices and take advantage of its customers. I demand that the accrued interest be immediately removed from my account. 

If this issue is not resolved in a prompt and satisfactory manner, I will not hesitate to escalate my complaint to the XXXX XXXX XXXX, the Federal Trade Commission, and the attorney general. I implore you to rectify this situation and restore my faith in your company 's integrity and commitment to fair business practices. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 
As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX from Barclays. I applied to my bank XXXX XXXX XXXX for a loan to bring down my balance on my credit card. XXXX issued a check on XX/XX/2022 for {$7500.00} and sent it with my statement. I have a copy of the check and statement. I noticed that the XXXX check has nothing on the check that it was for my behalf. I have been writing to the XXXX XXXX XXXX about my concerns. She stated that the check was cleared on XX/XX/2022 at XXXX. Several calls by me to the credit card, and they tell me that they don't see the payment. On Barclay 's end I spoke to a representative and a case # is XXXX. I am very concerned because no one seems to care.
Product: Credit reporting or other personal consumer reports

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized XXXX XXXX XXXX - XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my credit report from Capital One. I have not applied for any kind of credit with them, so I feel that this is someone trying to apply for a new credit card FRAUDULENTLY under my name. I have already resolved this issue with XXXX, but would like XXXX and XXXX to also take this off my credit report. I would also like to speak with someone at Capital One, to make sure there isn't a new account in my name or that someone made charges that will be billed to me.
Product: Checking or savings account

On XX/XX/year>24 I fell victim to the Chase/XXXX  scam XXXX A recieved calls and texts from my brother asking for money claiming his account was recently hacked and was still frozen. As a similar situation had happened a couple years back when my brother had his identity stolen, I didnt think twice and proceeded to send who I thought was my brother, {$490.00}. I now realize that his phone number was being spoofed and somehow they even faked his voice. Not only that, this person had hacked my brothers facebook and was now reaching out to me there. After sending money via XXXX in the Chase app. I realized a different recipent was listed that was not in fact my brother. This person continued harrasing and threatening me to send even more money. At this point I was already on the phone with Chase trying to come to a resolution. This is all context and this is where my claim begins against JP Morgan Chase & Co as well as XXXX. 

When opening my claim with Chase, they ensured me that they offer great customer protection. Unfortunatly, since this scam occured through XXXX, Chase could not help beyond opening a ticket and taking details from the scam. This is where Chase claimed that since XXXX is a third party company, they had no way of retrieving funds. What Chase fails to acknowledge is that not only is XXXX deeply integrated into their app, making it one of the only ways to transfer money via the Chase app. They also fail to acknowledge that XXXX is run by XXXX XXXX XXXX XXXX, a financial tech conglamerate who is Co-Owned/Invested in by JP Morgan Chase. JP Morgan Chase claims that they can not be held responsible by the lack of security from XXXX. Despite this, they still decide to invest in XXXX, and allow it to be their main source of money transfers within the app. This is seemingly a major contradiction. Chase claims their securities and protections are great, while XXXX is at fault. From where I stand now, it seems like JP Morgan Chase ( Along with the other Co-Owning banks ) operates in a way where they can wash their hands of any wrongdoing by pointing the finger to XXXX, a company they help keep afloat with their money. My question is, how can JP Morgan Chase claim to protect consumers, while using a third party company in XXXX ( WHO THEY CO-OWN ), and not be held liable for their blatant lack of actual protection. If Chase Co-Owns XXXX XXXX ( or XXXX XXXX, how can they claim to have strong protection while willingly operating another company with absolutly no consumer protection. I am repeating myself again for emphasis. All JP Morgan Chase is doing is hiding behind a thin veil called XXXX and passing the blame. All while lying to the consumer and failing to inform them that they themselves are HEAVILY invested in XXXX. How can Chase claim to have no control over XXXX and their protection policies while being one of their greatest investors. Not only does this put all consumers at risk, but it sets a precedent that anyone can just start another company and use them to hide behind and pass the blame.
Product: Money transfer, virtual currency, or money service

Wells Fargo constantly use excuses that they are required to follow sanctions laws, but they have internal operational issues that have nothing to do with being in compliance with XXXX, they are in violation of our banking rights. Wire was sent XX/XX/2024 and was supposed to be posted by XX/XX/XXXX or no later than XX/XX/XXXX, it is now XX/XX/XXXX and our wire has yet to be posted and they are delaying our next wire. I have written : XXXX XXXX, I have been informed by my son that Wells Fargo has delayed our wire transfer by XXXX weeks. Regardless of any excuses Wells Fargo might have, this is not only unacceptable but also a serious violation of our banking rights. It appears that this delay stems from an issue within your XXXX Sanctions department rather than the XXXX department. 

When a Wells Fargo customer has issues paying bills or is late on some payments, Wells Fargo imposes fines. However, when Wells Fargo encounters issues, it seems to merely offer excuses. I find this double standard unacceptable, especially since the delay affects our next wire transfer. A process that typically takes XXXX to XXXX  days has now taken over XXXX weeks, despite being escalated. 

Please file an internal complaint on my behalf, as I will be informing the CFPB of Wells Fargo 's banking violations against us.
Product: Vehicle loan or lease

I refinanced my vehicle. The payoff has been received by my previous finance company and verified by my new one. This has been almost 2 months ago and the previous company has still yet to apply the payoff funds to my account.
Product: Checking or savings account

On XX/XX/XXXX Truist Bank opened an online account with someone claiming to have my social security and date of birth and address. None of this was authorized by me and I have cooperated with the bank but they refuse to provide me additional information about what email address was used to open this account and what phone number. They have agreed it was not mine and have closed the account down. They are citing a privacy law on not providing more information on who may have opened this account illegally. I have been in touch and have asked what privacy laws are being violated in providing me the victim that information and they will not return my calls or emails.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide 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 reinvestigation.
Product: Credit card

I had created a trip with Chase ( Trip Id XXXX ) for flight from XXXX XXXX to XXXX to XXXX on XX/XX/XXXX and return on XX/XX/XXXX on XXXX XXXX. This was with myself, my wife and a XXXX. While adding my XXXX  to the ticket, Chase representative made a mistake and for whatever reason the flight for my XXXX and wife was cancelled. I have called Chase multiple times and multiple hours for over a week and they have told me they will give me a call and they dont come back with resolution and only that they need more time. Chase executives have not responded.
Product: Credit reporting or other personal consumer reports

In regard to account XXXX XXXX XXXXXXXX account Number XXXX I am writing to dispute inaccurate information on my credit report and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, regarding permissible purposes of consumer reports I am requesting that you thoroughly investigate these matters, correct the inaccurate information, and provide me with the requested accounting of who has accessed my report. Failure to comply with the FCRA, including XXXX XXXX XXXX, can result in legal action.
Product: Credit reporting or other personal consumer reports

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX { Date Opened : XXXX XXXX } XXXX XXXXXXXX XXXX XXXX  XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on XXXX  side, yet XXXX and Equifax report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come XXXX has reported the account current and other credit bureaus has incoherent information?