23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 I have the right to Privacy.

15 USC 1681 Section 604 It also states a consumer furnish an account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card or open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I spent {$7700.00} at XXXX in XX/XX/2021 using my Citi XXXX  credit card, with a refund of {$1700.00} from the merchant on XX/XX/2021 ( the transaction details are attached ). The net amount I spent at XXXX was {$5900.00}. These transactions with XXXX qualified the 5 % cash back for the 4th quarter of XXXX  in total resulting in nearly {$300.00} cash rewards. The rewards was redeemed and the balance was 0. Now I have a negative balance ( - {$88.00} ) and was informed by Citi this was due to the refund from XXXX on XX/XX/2021. 
I have contacted Citi and requested a review of the cash dollars on a quarter basis. But the response insisted the negative rewards was caused by the XXXX return during the billing cycle, without considering the overall amount I spent at XXXX in the 4th quarter of XXXX. Apparently the claw-back of the XXXX  dollars is completely wrong because the overall net amount I spent at XXXX last quarter was {$5900.00}, which equals to {$290.00} cash back. I am very disappointed that Citi never takes customers request seriously and I dont think Citi is willing to resolve the issue.
Product: Credit card or prepaid card

Citi Bank credit card company is at it again. Previous complaint filed with CFPB " XXXX '' and they began charging the account with two monthly debits since XX/XX/2021. 

Here 's is the Citi link https : //online.citi.com/US/ag/disputes/disputecenter What is wrong with you people? We do not and have not subscribed to any newspaper. We get our news online. Here is Citi 's own acknowledgement. 

" Case resolved in your favor on XX/XX/2021 Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

PERMANENT CREDIT APPLIED $ {$1000.00} This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Permanent credit applied Case ID XXXX '' Citi credit card issued to XXXX and XXXX XXXX, XXXX XXXX AR XXXX We stopped using Citi card and went to XXXX XXXX card ( see complaint filed with CFPB XXXX which has not been resolved ; payments due on both card XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was traveling by car from XXXX XXXX XXXX and stopped in XXXX to rest. While there my phone and wallet was lost/stolen then on the morning I was set to leave XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I found out about the XXXX unauthorized payments to a XXXX XXXX XXXX on XX/XX/XXXX for {$400.00} and the second one on XXXXXX/XX/XXXX also for {$400.00}. I contacted cash app support about the two fraudulent payments and informed them of my phone and wallet being stolen, I also explained to them why it took me so long to dispute the charges. However I was told that because the payment was sent from my device they could not reverse the payments. I was told to try to request a refund from XXXX myself. 
I still haven't gotten my money refunded.
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. 

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 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 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 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 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  ( EXP ) INQUIRIES TD RETAIL CARD SERVICE ( INQUIRY DATE XXXX XXXX ) NEEDS TO BE REMOVED IMMEDIATELY VERATO/DEPT OF JUSTICE ( INQUIRY DATE XX/XX/XXXX ) NEEDS TO BE REMOVED IMMEDIATELY 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section2 : 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 items 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 

These inaccuracies are hindering me from securing my dream home, applying for new personal and business credit and also requesting higher limits on the credit cards already in my posession.
Product: Credit reporting or other personal consumer reports

So my information is out there and someone opened an account under my name in credit card without me knowing it was a fradulent account. Capital One Credit card. The date of birth on 1 of the credit reporting agency is incorrect. My current address is incorrect. From what I recall XXXX could be part of the agency that maybe have leaked my data.
Product: Student loan

Four years ago I co-signed for my grandson to get a student loan. I was told by XXXX that if my grandson made 12 consecutive payments without being late he would be able to release me from the loan. Well I made sure my grandson paid his bill on time so that I could be released. My grandson put in the release form after making the twelfth payment. He received a letter back from XXXX stating his request had been denied.If I had known this would happen, I never would have co-signed. Im sure they want to keep me as a co-signer due to having a credit score of XXXX but that wasnt the deal we made. Can anything be done about this? Theres has to be a law against these companies ripping seniors citizens off.
Product: Debt collection

My information and data has been exposed in a data preach and I need need my credit wiped clean
Product: Vehicle loan or lease

On XX/XX/XXXX I called credit acceptance and told them that i made 2 payments that were erroneously made into the wrong account they told me they was gon na fix it and either refund the money or credit the money to my account with them, few days later I call them and they told me the money was removed from the other person account and it was going to be either refunded or credited into my auto account as of todays date they do not know wheres the money at!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage I've attempted to reach out to the reporting agancy through email, with negative results. And their phone number is disconnected. They are reporting data that is way over 7 years ago. As a result, I'm likely to get denied for the licensing I need to continue to operate my business. I was under the impression that the FCRA allows reporting of criminal history up to 7 years ago. They are reporting on crimes frim 2008!
Product: Checking or savings account

I used chimes mobile deposit feature and it hasn't gone very well. I deposited my paycheck to be processed into my account. After 3 days I got a notification that my check was verified and cleared. Shortly after that I received an email stating they needed 5 additional days to verify the check after they already verified it. After checking with XXXX  and XXXX XXXX XXXX, I discovered that all other institutions clear the checks within 3 to 5 minutes of the deposit. I called chime 2 days in a row seeking a remedy as my credit card payment is due and they stated I had to wait and there's nothing they can do. I am now delinquent in my credit card payment and it's at risk of being sent to collections. This isn't the only time I've had issues with this institution and receiving my funds. I've had several occasions where my direct deposits were held by chime and they stated that they didn't get the transaction info, however I had spoken to the payroll company and they verified they sent the deposit and even had transaction numbers to prove it. I'm at a loss. I currently sent chime an email stating they are being charged interest for everyday my funds are not available and they do nothing to remedy the issues.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX.. I received a text message indicating that my account was locked, to click on the link to unlock it. When I clicked on it the CITI logo came on, and it looked legit. So I proceeded to input my login and password. at about XXXX XXXX  I logged into my account just to check. That's when I saw that there had been 3 transactions. {$1000.00} from my line of credit was transferred to the regular checking, and two transactions were done using XXXX, one for {$500.00} and the second for {$450.00}. I immediately called customer service, and when I got someone on the line, explained why I was calling. 
The young lady then asked me if I was doing a transaction at that moment for {$350.00} to someone named XXXX XXXX, told her no, that I called because I did not do these transactions.She told me she was going to cancel the transaction for {$350.00} so it wouldn't go thru, and that she was going to lock my account so no other transactions would go thru, and that I had to go to a branch the next day to close the account and open another one. When I went to the branch the next day the representative that assisted me told me that I was the 3rd person to go there with the same issue, 'her name XXXX XXXX XXXX the XXXX XXXX XXXX branch in the XXXX XXXX Then she transferred me to the fraud department, where they asked me a series of questions regarding the two transactions and the person XXXX XXXX.Since then I have been trying to explained to Citibank that I had nothing to do with this, but they still want to hold me responsible, and have me on collections for the money. They insist I did the transactions, because of the way my account was accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX My maiden name is XXXX XXXX XXXX comes up under my name for some reason and this person is not me and I want that name off my personal crdit info
Product: Credit card or prepaid card

Rewards/Discounts program benefits are not being applied to the account
Product: Student loan

School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.
Product: Credit card

Electrical work service completed on XX/XX/XXXX, {$420.00} payment and {$3000.00} payment paid on XX/XX/XXXX towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Chase Freedom XXXX credit card XXXX 

On XX/XX/XXXX, Electrician company " the Merchant '' mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection three times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

I contacted Chase on XX/XX/XXXX to file chargeback claims for both credit card charges of {$420.00} and {$3000.00}. The claim for {$420.00} was closed on XX/XX/XXXX and reopened on XX/XX/XXXX after I called Chase to inquire why the chargeback was reversed on XX/XX/XXXX. Chase told me to submit my evidence online for which I submitted over XXXX files of evidence including a second opinion letter plus estimate to fix the incomplete and unsatisfactory service performed by the Merchant from another electrician company. In addition, chargeback resolution letters ruling in my favor from XXXX XXXX were submitted as evidence to Chase as I also used my XXXX  XXXX XXXX credit card to make partial payments for this same unsatisfactory electrical service completed on XX/XX/XXXX by the Merchant. 

Chase then again closed the claim without resolution on XX/XX/XXXX stating that the timeframe was expired for them to review the evidence that Chase requested and received for the {$420.00} claim on XX/XX/XXXX. 

I contacted the Merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process refund before filing the chargebacks with Chase on XX/XX/XXXX and reopening the claim for {$420.00} on XX/XX/XXXX. On XX/XX/XXXX, I requested to escalate the {$420.00} claim to XXXX through a Chase representative of the Dispute & Claims department who declined my request. The claim for {$3000.00} status is still on-going investigation by Chase as oXXXX XX/XX/XXXX and Chase has confirmed receipt of my submitted evidence for this open claim as well for the same unsatisfactory service completed by the Merchant as the claim for {$420.00}.
Product: Student loan

My loans have been serviced by American Education Services ( AES ) since I initially took them out- with the announcement that loan payments that didn't previously quality for Public Service Loan Forgiveness will now qualify as long as loans are consolidated into direct loans, I initiated loan consolidation to direct loans for the purpose of PSLF ( I have been working in public service for over ten years ). I received my loan consolidation confirmation on XX/XX/21 ( loans are now serviced by FedLoanServicing ) and started using the Department of Education Public Service Loan Forgiveness Help Tool in order to confirm my qualifying employer and submit the request for loan forgiveness. Upon completion of the help tool, it informed me that my loans did not qualify for PSLF because they were not consolidated direct loans. I signed in to studentaid.gov and my loans are still listed as being held by AES. I contacted the Department of Education support center and they informed me that many other people have been contacting them with this same issue- that their loans are not being updated in the National Student Loan Data System after consolidating to direct loans. They suggested I contact AES and tell them my information needs to be updated in order for me to complete the PSLF process. 

I contacted AES on XX/XX/21 and told them my information needed to be updated in the National Student Loan Data System in order for me to complete my PSLF application and have my loans forgiven. They informed me that I have a {$0.00} credit on my account ( they owe me {$0.00} )- they could not explain why the payoff amount from the loan consolidation was not correct to reduce my balance to {$0.00}. Because there is a {$0.00} credit on my account, they said after one month they will discharge that amount to {$0.00}, and then one month after that they will update the information in the NSLDS. I won't be able to complete my Public Service Loan Forgiveness application for 2 additional months because they asked for the wrong amount to pay off my loans. My loans are consolidated with FedLoan Servicing. Both companies are owned by PHEAA. They are at the same location. 

AES told me there's nothing they can do to discharge the {$0.00} amount they owe me or update my information with the Department of Education any quicker than 2 months. They don't own my loans anymore and they are holding up my ability to apply for PSLF. I've been a dedicated public servant for over ten years and the recent announcement expanding PSLF is a huge help to me, and this large company with a checkered past is preventing me from taking advantage of the opportunity.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions 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 system, leaving users vunerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.