23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

I'd like to express my concerns regarding the negligence of the Zelle platform. I have used the platform for many years and have dealt with many inconsistencies and discrepancies, which when reported to the Zelle platform or financial institution, were met with a lack of support. Both institutions failed to investigate my claims, stating that transactions can not be reversed and can not be tracked, leading to unrecovered lost funds. Now with the recent investigation by the CFPB, light has been shed on the negligence of the Zelle platform to protect its users, leaving the platform a haven for scammers to abuse the system repeatedly. There needs to be accountability on the part of Zelle for failing to keep its consumers safe.
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 XXXX XXXX XXXX. 

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

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 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 seven 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: Debt collection

CMRE Financial Services , Inc. is trying to collect on a medical bill that I do not owe. They are not just reporting it to the CRA once, but twice. I have contacted this company by phone and in writing. On the phone, which I have a recorded copy of, a gentleman discovered that this is a single medical bill that is being reported twice. He said he will remove XXXX of them and that I still owe the amount. 

Since our conversation over a month ago, the duplicate item is still on my credit reports and is causing me damages. I have since sent them a letter pointing out that they have n't fixed an admitted known error of theirs on my credit report with no resolve. 

As far as the original debt, I have sent the original creditor a letter and will file a lawsuit with all involved once thirty days have passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXXXXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, Equifax + XXXX. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXXXXXX XXXX Equifax 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...
Product: Bank account or service

I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter.
Product: Checking or savings account

The company offers minors much lower savings account rates ( around 0.1 % to 0.3 % ) than adults ( up to 3.4 % ). Company representatives stated that minors can only be secondary account holders for higher yielding savings accounts and CDs, which would make the adult primary account holder responsible for tax on the minor 's income.
Product: Credit reporting or other personal consumer reports

I received an email to inform me of my new Discover card was to arrive. When it arrived, I thought it was odd because my expiration date wasn't until XX/XX/year> and the new card had all the same info. While viewing my card, I noticed the name XXXX XXXX on the card. I called and was told that this person was added as an authorized user and her address XXXX XXXX XXXX XXXX Apt XXXX, XXXX, CT XXXX had been added as a mailing address. I immediately had this corrected and card shut down. I also changed my user name and password and have been monitoring my account for false charges. 
I also received a report from XXXX credit monitoring showing on the above address reflected as XXXX of my addresses. They also were notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided information to XXXX and Experian from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a complaint regarding an account listed on my credit report that I believe has been reported inaccurately and without my consent. The account was reported by XXXX XXXX XXXX and the original creditor is [ not listed ]. 

Account Information : Account Name : XXXX XXXX XXXX Account Status : Placed for collection Balance : {$240.00} Original Creditor : [ not listed ] Date Opened : XX/XX/2023 Key Issues & Violations : No Consent for Debt Sale : I never provided consent for this debt to be sold or assigned to a third-party collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have the proper authorization to collect on a debt, and I did not authorize this collection agency to handle my account. 
Inaccurate Reporting : The information reported by XXXX XXXX XXXX is inaccurate. The debt has been placed for collection without my express knowledge, and I am uncertain about the legitimacy of the debt being reported by this agency. This failure to provide clear and accurate account information violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumer 's credit report be accurate and verifiable. 
Failure to Properly Notify : Under the FDCPA, when a debt is assigned to a third-party collection agency, the consumer must receive proper notification. I never received a valid notice of assignment from the creditor or debt collector. This lack of notification violates my rights under Section 809 of the FDCPA.

Failure to Provide Proper Documentation : The collection agency has failed to provide any documentation to show that the debt belongs to me, and I was not notified of any sale of the debt to a third party. This failure undermines the legitimacy of the account being reported and further violates the FDCPA.
Product: Debt collection

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
Product: Debt collection

Dear Sirs : I acknowledge receipt of a letter of condolence regarding the passing of the customer and appreciating doing business with us after paying the full balance of the loan. However, I called to your customer service By the end of XXXX requesting the title of the vehicle just to find out it was sent to another address which is different to the address that you have been sending the bill for the last 4 years and 10 months. I acknowledge that I was very angry with your employee, who I know has nothing to do with this unfair practice of Mercedes Benz Financial Services that discriminate against US citizens residents in the US territory, PR. He told me I would be receiving a letter certifying the car has no debt with MBFS in the next 5 business day due on XX/XX/2019 for us to get a new title in PR. After this call, I received a letter and a notebook from your customer service VP person. This is not what was expected and agreed to satisfy a full payment of {$100000.00} for a car. 
We need the title of the car, we are the owner not MBFS. 
Consider this as an official complaint according to your customer service procedure. If I dont receive any answers to this email in the next 5 days, I will do a formal complaint before the Federal Trade Commission and the PR Ombudsman. 

I dont have any other option since you are being an obstacle for us to do legal business with our vehicle. See the attached documents that evidence the Power of Attorney given to me to do business with the vehicle and the email sent notifying the passing of my mother. 

Cordially, XXXX XXXX XXXX Email : XXXX Sent from my XXXX Begin forwarded message :
Product: Debt collection

XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional
Product: Credit reporting

I disputed XXXX unauthorized inquiries on my Equifax Credit Report. The other XXXX reporting agencies removed the inquiries after a properly and timely investigation. However, EQUIFAX whose in the habit of pleasing creditors, refused to perform the required investigation. I submitted my dispute on XX/XX/2016 and it completed its investigation on the day, citing " Inquiries are a factual record of file access ... '' and therefore, refused to investigate the unauthorized inquiries. I read online XXXX complaints from other consumers who experienced the same issues with EQUIFAX when disputing inquiries. This agency should slap them with a lawsuit to cease and desist them from doing that
Product: Mortgage

company has gathered my valuable personal data and provided pre-qualification but will not respond to e-mails or calls to honor request for extension of credit or provide pre-approval. sent several e-mails requesting aid and have not received any accommodation from lender nor any communication. This is causing delays and missed opportunities as I have a property I would like to have qualified or pre-approved to provide realtor. presently MLS # : XXXX and MLS # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive sent XXXX, Equifax, and XXXX numerous letters in regards to fraud on my name and about accounts opened on me. XXXX has refused to block fraudulent items on my credit report despite my submission of : A valid FTC Identity Theft Report. 
A police report verifying the identity theft. 
A detailed list of fraudulent accounts and inquiries. 
Under FCRA 605B, XXXX is obligated to block fraudulent information upon receipt of the required documentation. Their refusal to comply has caused significant harm, including credit denials, financial loss, and reputational damage. 

Key Issues Failure to Block Fraudulent Items : Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain unblocked despite being identified as fraudulent. 
Unauthorized inquiries from financial institutions continue to appear on my credit report. 
Inadequate Investigation : XXXX claims my documentation is not valid, but I have provided sufficient evidence under FCRA guidelines. 

Harm Caused : Denial of credit opportunities. 

Emotional distress and reputational harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued me a XXXX $ credit limit. 

once i got the card and attempted to use it for a purchase they closed my account without reason. 

they will not reopen the account. 

they told me the only thing to be done was to reapply which caused me another hard inquiry. 

i have contacted XXXX XXXX multiple times to get this closed account off my credit report and they have been unhelpful to do so. 

when asking why the account was made closed they told me that they could not disclose the reason to me. 

it doesn't make sense because i was approved for a secondary line of credit with the same bank after being told that the only option for me was to reapply.
Product: Debt collection

I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, XXXX XXXX - XXXX at the XXXX, was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account was used/stolen it was a capital one account I was in the hospital I could never see my credit report I want this fixed
Product: Credit card or prepaid card

I met minimum spend requirements for my XXXX bonus miles on the AMEX gold card and they never gave them to me. I tried contacting their customer support ten times and they never resolved the issue.
Product: Bank account or service

On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit.
Product: Debt collection

on XX/XX/year>, I received on letter from a company name XXXX XXXX XXXX XXXX XXXX said I had a debt XXXX {$1400.00} I didn't recognized it, on XX/XX/year> I received another letter from different company 's name LVNV FUNDIND llc {$1100.00} I try to take that action I CALLED XXXX XXXX XXXX to let them know this not me they said it a error this amounts already paid off and no charge off.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email from Bank of America advising that they sent a query to XXXX for my credit rating to process a credit card I never requested. I checked my account with XXXX and Bank of America did, in fact, send a query about my credit rating. I was then sent a follow up email from Bank of America ( BofA ) advising that the credit card ( a XXXX card ), which I never requested, was being approved. I contacted BofA customer service by telephone and advised them that I never requested this credit card and that I wanted it to be stopped. I was advised this would be taken care of. On XX/XX/2022 said credit card arrived in the mail. I did not activate this credit card. On XX/XX/2022 I went to a local BofA branch and requested a branch manager call their Fraud Unit and cancel the credit card. While at this branch office of BofA I also spoke with the person in their Fraud Unit and she advised that the credit card was canceled ( I never activated it ). At this time I am waiting for a confirmation letter from BofA advising that the credit card was canceled.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within four business days of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Reconsideration of Late Payments Reporting Dear Barclays Bank Delaware, I hope this letter finds you well. I am writing to request your kind consideration regarding the late payments that are currently being reported on my credit report. I am an account holder with Barclays Bank Delaware, and my account number is XXXX. 

First and foremost, I would like to bring to your attention the unforeseen circumstances that led to the late payments on my account. As you may be aware, the XXXX pandemic has impacted countless individuals worldwide, and I unfortunately fell victim to its effects. I contracted XXXX at the time, which resulted in a severe deterioration of my health. 

Due to the severity of my condition, I was admitted to the hospital for an extended period, during which I was unable to fulfill my financial obligations promptly. Regrettably, this health crisis coincided with an unexpected loss of employment, which further exacerbated my financial difficulties. The combination of medical bills and a sudden loss of income placed an immense burden on me, making it challenging to meet my payment obligations. 

To compound matters, the emotional strain caused by these circumstances took a toll on my personal life as well. Tragically, my beloved dog, who had been my source of comfort during this challenging time, passed away. The emotional devastation and grief from this loss further hindered my ability to manage my affairs effectively, including ensuring my financial responsibilities were met. 

In light of these extraordinary circumstances, I kindly request your reconsideration to update the late payments on my credit report. I understand that your institution has the discretion to make adjustments in situations where customers have faced significant hardships beyond their control. Given the global impact of the XXXX  pandemic, I believe my case aligns with the intent of the Cares Act, which emphasizes relief and assistance to individuals facing financial hardships caused by this unprecedented crisis. 

I kindly request that you update the late payments on my credit report to " paid as agreed '' to accurately reflect my current financial status. This adjustment would greatly alleviate the negative impact on my creditworthiness and provide a fair representation of my commitment to meeting my financial obligations. 

I am committed to restoring my financial stability and demonstrating responsible financial behavior moving forward. I understand the importance of meeting my payment obligations and intend to make all future payments in a timely manner. 

Thank you for your understanding and consideration in this matter. I sincerely hope that you will grant my request for the adjustment of the late payments on my credit report. I am confident that Barclays Bank Delaware, as a reputable financial institution, values its customers and supports them during times of unforeseen hardship. 

I appreciate your attention to this matter and eagerly await your positive response. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$250.00}