23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was offered a {$300.00} bonus for opening a checking account and fulfilling the terms. I opened the account on XX/XX/2020 and all terms were fulfilled, but the institution refuses to honor the bonus. This is a XXXX  scam.
Product: Money transfer, virtual currency, or money service

on friday XXXX of XXXX a client transfer me throu cashapp the amount of {$1800.00} and when I went to retrieve the money they had taken the amount of {$540.00} i could only takeout {$1200.00} out of my cashapp. 
i have been trying to communicate with them throu email and by phone and they don't answer i also have not received any explanation on the matter.
Product: Credit card or prepaid card

Received a letter XXXX XXXX from Citi Bank stating there might be a fraudulent account setup in my name. Called number provided in letter and they wanted my social security number and I didnt feel comfortable giving that information because I never setup or applied for this card. On XXXX XXXX received actual credit card in mail. Tried calling to cancel and Im not willing to provide my social security number over the phone on an account I never applied for.
Product: Credit reporting or other personal consumer reports

Experian has failed to dispute its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigaton of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures allogb with my experience, where Experian has neither corrected nor removed, disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amended the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong issues appeared on my report,  XXXX  ANISTEE JUSTICE COUR  XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Negative Items : 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  TransUnion " Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including XXXX and XXXX, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to XXXX, XXXX, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than seven years old. The account being reported without my permission is considered an adverse item. 

In conclusion, XXXX and XXXX, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX my friend sent me {$5.00} on Cash App. I have a new, unverified account. I have been the victim of identity theft before and so don't feel comfortable delving that far into giving up my personal info so I like to try an app out first, see what they're about. Cash app provides an unverified account which coincides with my current security standards. You can send and receive money with attendant limitations, which I am okay with ; without having to verify. The XXXX dollars sent to me in no way meets any type of threshold limits. Well, before I could deposit it Cash app tells me I have to verify my identity before I can accept the payment. I went to support to explain that I have an unverified account and according to their own policies spelled out in the user agreement which the company and myself not agreed to stipulates that I don't have to. They continue in my opinion to bully me into providing information that I don't want to provide or shouldn't be providing with the product I'm using. I let them know this and they disregarded everything I had to say. I explained I felt this was abusive and discriminatory. I asked for an escalation. I was then contacted by a manager within the company and they explain the same thing. I asked was their some internal rubric being used that I as the consumer was not aware of, that is not listed in the user agreements. He kept repeating the platform 's position. I asked for another escalation and contact information for any individual in the legal dept. He replied with the same stock answers and basically left it as such. I have exchanged 12 emails with this manager over the course of five days from the XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}
Product: Debt collection

XXXX XXXX XXXX was paid through the collection agency XXXX XXXX on XX/XX/2019 for {$1000.00}. It was agreed that this account would be deleted from my credit report. I have provided that information to XXXX, XXXX, and Transunion but XXXX XXXX XXXX still reports that I owe them.
Product: Credit card

We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.
Product: Checking or savings account

On  XXXX   XXXX ,    2017, an  online transfer in the amount of {$2900.00} was made from my CHASE checking business account to an account under the email of  XXXX  XXXX  XXXX  and name  XXXX   XXXX , DO NOT RECOGNIZE neither. I learned about this issue on  XXXX   XXXX ,    2017,   when I proceeded to pay my rent and found out about this particular online transfer I never authorized nor knew about.  <P/> I immediately called  CHASE CLAIMS  DEPARTMENT, claim #  XXXX . In addition, I filed a Police Report at the City Of  XXXX  Police Department, Incident #  XXXX . The Bank credited my account for {$2900.00}. On  XXXX   XXXX ,    2017 the y reversed the credit for the {$2900.00} from my account, stating they were not able to corroborate any fraudulent activity. Since then, I have repeatedly been trying to reopen the claim, only resulting in a negative response on behalf of the institution.
Product: Money transfer, virtual currency, or money service

I ordered some tickets through a seller on paypal and it was a scam and I trying to get my money back and I cant get it back
Product: Debt collection

Diversified Consultants Inc is the third debt collector that has tarnished my credit over the same account that has been closed for years. If there was ever debt associated with the account it would be dormant by now. Diversified Consultants Inc have reported incorrect and misleading information on my credit report and have threatened to sue for judgement of debt they have provided no detailed information on. They have altered the date in which the account was reported as open/closed falsely representing account data on a dormant/closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX l called the credit reporting place to let them know someone has put some bill from XXXX XXXX XXXX mobility bill on my credit report that is fake. The person or people that are doing this wants to get my money and they are not going to get it.l am tired because they did this to my XXXX XXXX report but they were smart to know it were fraudulent. l am tired and l dont bother no one so whats the problem.please can you help me.
Product: Debt collection

Allied interstate said I owed XXXX dollars from XXXX account. I advised them that it was a I d theft investigation. They advised we will not help you and put it On the credit bureaus I found the equipment sent in my garage and sent it to an fish office and received credit. I contacted XXXX and they said if I pay it they will remove it from my credit. I then paid the XXXX dollars even thought I had a I d theft complaint started. The balance became XXXX. Allied said we are not here to listen. Then sent a letter that I agreed to pay the bill with them and made a schedule to pay the difference. I have the letter which is false and intentionally done by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, To Whom It May Concern, My credit report indicates a hard inquiry by " XXXX  ''. It is my understanding this is XXXX XXXX  and affilated companies. 

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX  XXXX submitted an adjustment to the main consumer reporting agencies to delete the specified tradeline, being the account ending in XXXX, from the file. 

I requested to the main reporting agency and requested this negative item be removed from my file and also submitted supporting documentation. The results of their investigation is that there reporting is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.
Product: Credit reporting

Experian is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Experian on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Experian is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Product: Mortgage

please refer to attachments provided. 

I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. 

PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX  ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX. XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$480.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( XXXX ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO XXXX THIS IS CAUSING ME..
Product: Money transfer, virtual currency, or money service

I am wrong writing to formally express my concerns regarding Zelle handling my of disputes, particularly in light the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institutions 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 CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety