23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Earlier in the month I received a text message at XXXX from Sam 's Club Master Card informing me that a transactions was denied. Once, I was able to speak with my vendor she informed me that all of their clients that pay with a Sam 's Club Master Card were denied and it wasn't just me. I called Sam 's Club Master Card and they informed me that they would no longer be processing payments for businesses that utilize XXXX or XXXX as their payment processors. I informed the credit card employee that they would be restricting our ability to use our card at any small business in America and that Sam 's Club Master Card is discriminating against small businesses. He simply stated that he was just the messenger.
Product: Checking or savings account

I trusted CHIME banking with my money and as a horrible company that they are they allowed someone within the company XXXX every single dollar that I had worked hard for and was depositing to my so I thought secure checking account. Around XX/XX/2021 I realized that someone stole XXXX from my account and chime the minute I did a dispute, didnt even allow 24 hours of a supposedly investigation to happen and denied my dispute with statements saying that basically as the consumer I was a liar. They do not provide actual investigation facts and try to rob people from their hard working money! I am disgusted by this company and need help to get my money back ASAP!
Product: Debt collection

LENDMARK FINANCIAL CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION, CALLING ME REPEATEDLY BEFORE XXXX, AND AFTER XXXX, EVEN CONTINUOUSLY THROUGHOUT THE DAY. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT LENDMARK FINANCIAL COULD RAISE OR LOWER THE CREDIT RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE LENDMARK FINANCIAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported this as a new debt and it is several years old. The information on my credit report is false
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my credit report and the practices of TransUnion. I have been facing a significant challenge due to an inaccurately reported debt on my credit file, and despite multiple attempts to rectify the situation, I have not received the necessary proof to validate this debt. 

First and foremost, I would like to provide some context for my situation. During the period from XXXX to XXXX, I experienced a series of devastating events in my life, including the untimely XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These traumatic events caused a great deal of emotional distress and turmoil in my life, and I made a conscious effort to refrain from entering into any new financial agreements during this time. 

The issue at hand is the debt that TransUnion is reporting as having occurred last year, in XXXX, with an open balance of {$5600.00}. To my knowledge, this debt actually dates back to XXXX, during the period of hardship I mentioned earlier. I have been diligently working to manage my financial obligations, and it is deeply troubling that TransUnion is inaccurately reporting the timeline of this debt, which is negatively impacting my credit score.

I have taken the following steps in an attempt to resolve this matter : I have taken the following steps in an attempt to resolve this matter : I initially contacted TransUnion to request verification of this debt. I asked for proof and documentation that would validate the debt 's existence and its timeline, as I firmly believe it should have been reported as occurring in XXXX. 

TransUnion, despite multiple attempts on my part, has not provided me with the necessary documentation to substantiate the debt 's validity.

I have a strong desire to rectify this situation and ensure that my credit report accurately reflects the timeline and details of this debt. The inaccuracies are unjustly affecting my financial standing and opportunities, making it difficult for me to secure loans, housing, and other essential services.

I kindly request your intervention and assistance in this matter. I would appreciate it if the Consumer Financial Protection Bureau could investigate this issue with TransUnion, urging them to provide the proof required to validate the debt 's timeline. It is my hope that your involvement will help to bring a swift resolution to this situation.

Please find enclosed copies of all relevant documents, including my correspondence with TransUnion, as evidence of my diligent efforts to resolve this issue. I am more than willing to cooperate fully with any further inquiries and investigations required to address this matter.

Thank you for your prompt attention to this matter. I look forward to a resolution that will rectify the inaccuracies on my credit report and provide me with the relief and justice I seek. You can reach me at the contact information provided above for any further communication or clarification regarding this issue. 

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

On XX/XX/XXXX, I submitted my initial complaint ( XXXX ) for an account appearing on my credit report that I never opened or received any goods or services on behalf of. At the time I I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. The companies reply was, Convergent Outsourcing will update the disputed status of the account to the credit bureaus ; as required. As of today, XX/XX/XXXX, this account is still reporting to the credit bureaus and has failed to mark this debt or account as disputed which is automatic grounds for removal of this account from credit report.
Product: Mortgage

Chase told us we would receive 1/8th lower on our interest rate if we were a preferred client, so we moved our retirement savings over to Chase so that we would qualify. We were told the rate would be applied after closing and we locked in our rate at 4.25 %. After closing they did not honor the rate, and told us we didn't have enough savings to get the better rate. When i showed him the message he previously sent me saying we would get it, he said he would see what could be done. I got tired of going back and forth with the loan officer and 3 weeks ago called his manager directly. He said a file was open and they were working on it and would get back to me after a week. A week pasted and no response, I called and left a message but still no response. We closed on our house over a month ago now and Chase has yet to do anything or return my calls. In addition to this the bank messed up our closing by not funding the correct amount. They were short {$1400.00} and we never closed on Friday and couldn't get the keys to our house for two days until they admitted their mistake and let the title company know it was an error on their end. Chase promised to get some money back to make this up to us, but we never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX    XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 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 Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit card or prepaid card

Have used bill pay to process payments on account for years. I made the mistake of not turning off a bill payment and a payment was sent for {$200.00} after I made a payment on their site for the same amount. Now my account has {$400.00} out on a credit card that my balance is only {$200.00}. I have spoken with several agents and no help was told should be available 24-48hrs. It's 72 hours now and I spoke with a manager XXXX that stated since payment was sent via check it has to hold 10 days. Advised him the manager XXXX stated if it was bill pay it should be available on the XXXX and no later than the XXXX. Of course XXXX isn't available to confirm what she stated. I asked supervisor XXXX to check previous bill payments all sent through my same bank all sent the same way and was available with 24hrs. No one can tell me why this bill payment is being held after over paying on a credit card! It wasn't sent via check it was sent via electronic as it always have been
Product: Money transfer, virtual currency, or money service

Im reaching out to share my concerns about how Zelle deals with disputes, especially after the recent CFPB lawsuit pointing out big issues with the platform. Ive used Zelle a lot and reported some discrepancies, but my bank and Zelle didnt properly look into my claims. They said getting my money back wasnt possible and that tracking the transactions couldnt be done. The CFPBs findings show that Zelle hasnt done enough to protect users and has let repeat offenders exploit the system, leaving people like me open to scams.
Product: Debt collection

I never was sent verification of debt.

I was never sent a bill associated with debt.

I was never sent line itemized bill
Product: Checking or savings account

Navy Federal Credit Union took money from my account. I recently requested Navy Federal Credit Union to turn over the records and they did not provide full records for me to see the actual charges and amounts and the merchants involved. Navy Federal Credit Union clearly can not prove why they withdrew large sums of money from my income tax. I would like to solve this without initiating legal action.
Product: Checking or savings account

I'm trying to open an online account with Citizens Bank. It asks for personal information - Social Security number, birthday, etc. But when I enter my the information, it does NOT hide my typing with *** asterisks *** as it should. I don't have internet at home and use library computers where anyone walking by can see what I'm typing ; also, librarians can see my screen from their computers in the office. 

This is VERY insecure and puts the customer at risk of having his identity stolen. And it's probably illegal. Doesn't the law require banks to safeguard customers ' private information? 

When Citizens informs me that this problem has been fixed, I'll open an account online. 

If Citizens refuses to fix this problem, or tells me that I must waste my time going into a branch to open an account, I will file further complaints with the XXXX  and AG.
Product: Checking or savings account

I have a discharged bankrupcty and the bank is refusing to open an account because of it.
Product: Checking or savings account

On XX/XX/2019 I made a purchase with XXXX   to assist me with all the proper documents needed to file a divorce. The documents provided were incorrect as you'll be able to see along with this rebuttal. XXXX is not a law firm as stated in their disclaimer notice. 

XXXX XXXX XXXX, All Rights Reserved Disclaimer : XXXX XXXX is not a law firm and its services, website and forms are not a substitute for the advice of an attorney. 

Legally they are not able to assist me in any legal matters pertaining to the wrong papers being filed and returned back to me from the clerk of the court. Therefore I ask that my dispute remain valid and my reimbursement stands for services not received. I had to refile my papers with the clerk of the court with the help of the law clerk at the XXXX County Law Library located within the court house the papers needed to be filed.
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. 

XXXXXXXX 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 XXXXXXXX XXXX has 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 an 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: Checking or savings account

On XX/XX/2023 my landlord faxed in a bank verification letter to my bank. When I renew my lease it is required every year for the landlord to do so and the bank has always gotten back to her via fax with the letter within two days. 

The bank has not gotten back to her as of yet and the allowed time I was told by many citizens bank reps was XXXX business days for them to fax the info back to my landlord. I have sent the same fax everyday since from my fax and my landlord has sent in the fax a few more times as well. 

I have called citizens bank and immediately was sent to a call center out of the states and that individual could not locate the fax or the center at which my fax was sent to. I then called a few days later to follow up and got another call center person from out of the states and they as well said that is not their dept and they could not help me. I asked to be sent to a supervisor or manager several times and then got ahold of a person in the states and she was located at the customer service center in XXXX and she also said she couldnt locate my fax or my landlords fax cause that was not her dept and she gave me a number to the operations services dept and they would be able to help. Well that number is for collections and they could not help me as well. I called my local bank and asked if they could fill out the paper via drive up cause I am XXXX  and they said no cause the drive up is for quick processing only not to have papers filled out. 

I am so frustrated at this point in just trying to get a simple paper faxed back to my landlord so she can renew my lease. My landlord stated that other individuals who she has as tenants who are with citizens bank are having the same problem as me and she can not renew their leases as well till the bank gets back to her with that fax. Its a simple procedure I just dont get how its taking so long.
Product: Credit card

On my XX/XX/XXXX, the remaining balance on my Synchrony/CareCredit statement credit card went up from {$1400.00} to {$4400.00} ( Interest charge {$3100.00} ). I did not notice until later, XX/XX/XXXX. When I called to inquire, I was told I was on an introductory offer, and should have gotten an email informing me, but I do not recall receiving an email. I closed the credit card, but feel I have unfairly been charged such a high amount of interest. Ive had the account since, I believe, XX/XX/XXXX if not later. I am retired and this would be a hardship with my retirement fixed pension. The card was open for XXXX  work for my son and me.
Product: Debt collection

Billed by Monterey Collections {$420.00} OPENED ON CREDIT REPORT XX/XX/XXXX. ( 3 yrs 8 mos ). 

Total billed by XXXX XXXX XXXX on XX/XX/XXXX to me Full balance {$330.00}. 
I payed {$99.00} the day of order, leaving a balance due of {$230.00}. 

I owed {$230.00} NOT {$420.00}. 
Monterey Collections refused this information. They will not budge. I contacted XXXX XXXX XXXX they said it would be taken care of. 

Monterey Collections is argumentative and carry a extreme righteous behavior. I have disputed this with XXXX. I have tried to pay my part of {$230.00} based off my XXXX XXXX XXXX INVOICE. One person is handling this account and will not BUDGE. 
1 DERAGATORY Mark opened on XX/XX/XXXX by MONTEREY COLLECTIONS remains to this date ON my XXXX Credit Report XXXX XXXX {$420.00}.
Product: Debt collection

Portfolio Recovery has failed to show proof of authority to collect on a credit collections debt they have reported to my credit reports They have not provided any copies of documentation showing they sent any notice prior to this date and are in violations of my rights- Before reporting this is suppose to be sent giving me the ability to dispute this They also have not provided copies of documents proving the amounts they claim is owed- Nothing they have provided show the amounts they claim due I would like them to provide a copy of the notification letter sent concering this debt owed. I would like them to provide a notice from XXXX XXXX XXXX stating that Porfolio Recovery has the rights to collect this so called debt
Product: Credit card

On XX/XX/2016 I shopped at XXXX. While in the check-out line the cashier asked if I would like to join the XXXX Rewards Program. I said yes but not if it was a credit card as I did not want a credit card. The cashier stated vehemently this was a rewards only program. At the end of the transaction the cashier smiled and said you qualify for a credit card. I then asked to speak to the store manager and once again said I did not want a credit card and that the cashier had lied to me. He stated the transaction would be backed out and assured me I would not be getting a credit card. 
I was shopping with a friend who will testify to this entire transaction. The lies of the cashier and the Manager on Duty lying as well. 
So you can imagine my shock this week when a credit card arrived in the mail. A credit card I did not request and in fact said I did not want. This is an illegally opened credit card and I intend to move to have your store held accountable for this. You have messed with my credit and committed a criminal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

My Information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the Equifax Data Breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports thats effecting my credit score and abilities to utilize my right to credit.
Product: Checking or savings account

On XX/XX/20 I notice that I had i did not have my Wells Fargo bank card. I logged into my web account and noticed i had so unauthorized charges to my account. I immediately transferred the remaining funds and called the fraud line that was on the website. 
Amounts were XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX I was advised by the bank that it was nothing they could do because the transactions were pending and XX/XX/XXXX they advised that they hold no liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information you're reporting is not mine so please look at the documents for further information.
Product: Checking or savings account

My account was closed by Bank of America. A customer service rep, explained to me that Bank of America closed my account due to a business decision, and that all remaining funds left in the account would be sent to my via cashiers check. The amount was around {$5500.00}. The date my account was closed was XX/XX/2022. Over the next XXXX months. I called in XXXX times a week to get an update on when my funds would be sent to me. All BOA would tell me was that my account is waiting for review and that they dont know when the review will happen. It has been 3 months and I have received my funds. I run a small business and this has had very devastating affects on my business. My company is still recovery from the XXXX XXXX and now I have a bank thats hold my funds for over 3 months.