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

I had money in my checking account ready to be drafted from XXXX, the company usually takes a few days to draft money from my account through account number not card so I always take that into account. The amount that was supposed to be drafted was {$1700.00} which was more than enough in my account. The draft usually happens by the XXXX or XXXX day of the month when I submit the payment on the XXXX and I have never missed a payment with this company before this incident, that is a documented fact. I check my bank account on the XXXX of the month and the rent draft bounced, the lease transfer fee was still there, about {$2.00}. I check to see why and two transfers of {$400.00} and {$420.00} with reference numbers XXXX for both that occurred on XX/XX/2023 for transfers that already happened on XX/XX/2023 to my credit account. I usually pay my credit card by transferring money directly from my checking account. I already spoke to multiple representatives one said they couldn't verify on the checking side, but one on the credit side could see an error. I Filed a complaint with one, but I never heard back. I spoke in person to a manager at a local bank in XXXX XXXXXXXX, CA and they told me to deal with the issue through the BoA app. Very helpful advice, I'm forever grateful. I spoke to the management at the apartment complex and said I would not be charged late fees because of my clean record and that I would just have to bring a money order. Well the next day I'm hit with an unauthorized draft of {$25.00} from XXXX. No problem, I just have to access my XXXX account, well they locked me out and I couldn't remove my payment info so they could keep drafting at will. Keep in mind there was no way to contact XXXX  personally, I tried for hours. I reported fraud, obviously, and one very helpful representative was able to see my whole account and saw the discrepancy and helped me get the late charge credited back and helped me freeze my account to prevent further unauthorized drafts from my account and allowed me to draft any money that I might need, I am very grateful for that, not being sarcastic here. It's been several days and I have not heard one word about the incident and times are very tough for me, I need that money, {$820.00} might not seem like a lot, but I'm struggling here. I have plenty of screenshots for proof and I'm sure BoA has the phone conversations recorded, don't worry about that.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concern regarding Zelle handling dispute, particularly in light of the recent CFPB lawsuit hi lady significant issues with the platform. Despite using Zelle numerous times and report reporting discrepancies my financial institution and they failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has neglected its consumers but also allowed repeat offenders to exploit the system.
Product: Debt collection

The referenced account from XXXX XXXX XXXX in the amount of {$7900.00} is not my account. This account was opened in a result of identity theft and then sold to a third-party debt collector. I requested a proof of purchase as well as a signed purchase agreement and they were unable to provide me with the requested information. Please remove this from my credit report immediately. I would also like for the following hard inquiries to be removed immediately due to fraud and identity theft : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT. XXXX XXXX
Product: Credit reporting

Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.
Product: Debt collection

I dispute the inaccurate reporting of a late account on my credit file. Since the bank can not provide records and has agreed over the phone to update my file, I insist the account reflects a positive review or closed/never late status. 
Account Details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Inaccurate Information : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This loan has been paid with cash at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX.
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. 

Account names : -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have 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 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

I had satellite tv service through XXXX XXXX XXXX XXXX condo I owned. 

I sold my condo and notified XXXX of the date of my move out. Several weeks later, they sent me a bill claiming that I owed them over {$500.00}. When I contacted them to dispute the amount and remind them of the cancellation of service, they claimed that I never notified them to turn off service after I sold the condo, which was a complete lie. By then, the new owner had been living in the condo for weeks and signed up with XXXX  as they are the only satellite provide for the area. 

I told XXXX that this was their error for not stopping the service when I asked and that they were now trying to improperly force me to pay for the service being used by the new owner. They would not admit fault and we could not reach an agreement. That was last year. I never heard from them again until a collection agency but the debt on my credit report yesterday with no notice. My score dropped over XXXX points because of this erroneous information! This is highly improper and unfair as I told them long ago that they were wrong about this debt. Companies should not be permitted to ruin your credit over a disputed and inaccurate debt with no notice.
Product: Credit card or prepaid card

I used a Chase Visa card in XX/XX/2022 to rent a car from XXXX at the XXXX Airport. The rental car windshield suffered a stone chip on the highway that caused a crack in the windshield. XXXX charged me {$510.00} for the damage. My personal car insurance ( XXXX ) paid {$380.00} of the {$510.00} ( less a {$100.00} deductible and XXXX processing fee ). Visa is supposed to pay the remaining {$120.00} as part of their car rental benefit when using the Visa card. 

I have submitted extensive documentation to Eclaims, the Chase/Visa insurance processor, but they refuse to pay until I provide additional estimates of the repair costs. I have provided everything XXXX provided to me, which is the cost of the repair. 

While this is a small amount of money, I believe my experience may be typical for a very large number of consumers who are being abused by Eclaims/Chase and Visa. Please investigate to determine if this is a widespread and fraudulent abuse of the consumers. I have previously reported my experience to the Virginia Insurance Commissioner, who investigated and determined my complaint should be forwarded to your agency. 
Thank you.
Product: Credit reporting

I am submitting my complaint directly to CFPB because through experience, your agency gets answers that seem elusive when mailing certified letters to the credit reporting agencies. In other words CFPB works more efficiently and decisively. 
Transunion has placed a number of credit inquiries on my report that were not authorized. 
1. I purchased a vehicle and only bought from one dealership without searching around. No other entity should have checked my credit report. 
2. Transunion lists the following inquiries which were not authorized : XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 The above mentioned companies were not authorized to check my credit.
Product: Credit card

I havent used this card in months My minimum payment have been increasing Each month and never been late @ until now because They stated I paid less then what was required, but paid on time.

This is insane, Im requesting this credit card company be investigated totally.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I received {$90.00} from a friend today to my PayPal account which is XXXX. However, PayPal charged me {$3.00} for this transfer so I received {$3.00} less from the original amount. I called to complain and XXXX representatives were very rude and they said they could not refund the money back to me. 
PayPal is ripping off customers like me by charging excessive fees. I was supposed to receive {$90.00} and they took {$3.00} from my account. They did not give me any information about this fee and I was not aware that PayPal charges any fee for incoming payments. 
I demand to receive {$3.00} back from PayPal and they should stop charging us excessive fees. 

Regards, XXXX XXXX
Product: Debt collection

This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry
Product: Checking or savings account

I opened a business account with Truist bank for my business XXXX XXXX XXXX in XXXX XXXXXXXX ga. I was skeptical when I l kept seeing overdraft fees and I know the money was there to cover my transactions. I was pulling from another Account to prevent this from happening. I want my overdraft fees of XXXX refunded. I reported fraud on my account after I was the victim of a robbery and they still tried charging overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 Hard inquires on my Equifax credit report from unknown sources and they have not been authorized from my side. I have reached to Equifax as well about this issue but they have not resolved the issue. 

The four inquiries in question are as follows : Inquiry details XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA 611 violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Debt collection

I am writing in response to your attempts to collect an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I hereby formally request verification and full documentation regarding the alleged debt.

Please provide the following documentation as required under federal law : 1. Forward Flow Agreement A copy of the agreement between the original creditor and any third-party debt buyers or assignees outlining the ongoing transfer and sale of debts.

2. Complete Chain of Assignments Full documentation detailing all assignments and transfers of this debt, including the names of all previous debt holders and proof of lawful transfer. This is required under UCC Article 9, Section 9-210, which grants the debtor the right to request an accounting of an assigned obligation.

3

. Purchase Agreement The agreement between the original creditor and the current debt collector showing the terms of the debts sale. Under 15 U.S.C. 1692g ( b ), I have the right to request this verification before acknowledging or making any payments. 4. Insurance Claim on the Alleged Debt Any records of an insurance claim made by the original creditor on the alleged debt, which would indicate whether the debt has already been compensated by an insurer or written off as a loss. 5. Proof of My Wet Signature A copy of the original signed agreement bearing my wet ink signature, evidencing that I entered into a contractual obligation to repay this debt. Under the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), 15 U.S.C. 7001, digital records must meet legal requirements, and I am requesting proof of any legally binding contract with my express consent.

Until you have provided these documents, I do not acknowledge ownership or responsibility for the alleged debt. As required by 15 U.S.C. 1692g, debt collectors must cease collection efforts until the debt has been fully validated. Any continued reporting of unverifiable debt to credit bureaus may constitute a violation of the FCRA, 15 U.S.C. 1681s-2, and could result in legal action.

Please provide these documents within 30 days of receiving this request. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your cooperation. I request that all future correspondence regarding this matter be made in writing.
Product: Credit reporting or other personal consumer reports

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, XXXX, and TransUnion Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option. Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. I would also like to request the removal of the following accounts from my credit report XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX Account Number XXXX Date Opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX listed in my documents attached. I demand that XXXX, XXXX, and TransUnion promptly investigate and remove the accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX Without recourse
Product: Debt collection

IT WAS THE END OF MY LEASE, I TRIED TO RENEW BUT NO ONE WAS IN THE LEASING OFFICE DUE TO COVID ; SO I WAS UNABLE TO RENEW MY LEASE. DUE TO NO CONTACT WITH THE OFF I MOVED OUT LEFT THE KEYS IN THE DROP BOX WITH A LETTER SAYING I COULD NOT REACH ANYONE. TO MY KNOWLEDGE THEY DID NOT CHECK THE KEY BOX REGULARY SO THEY THOUGHT I WAS STILL ON THE PREMISSES BUT I HAD ALREADY VACATED. THEY THEN EMAILED ME AND SAID I OWED THEM MONEY BUT I HAD MOVED OUT ALREADY AND TURNED EVERYTHING IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ezperian fail ro provide me with proof of XXXX XXXX account XXXX that was so called veried by them. Also it has been more that 30 days. Under section 609 that arw required to provide proof of account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution 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 CFPB findings indicate that Zelle has 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 consumer safety.
Product: Checking or savings account

On XX/XX/2023 XXXX dollars was taken out of my account without my permission, and I reported it to my bank and also made a police report. I disputed the transaction asking to get the money refunded and was denied my card that I had lost was returned to a gas station after the money was taken out, so there for I did not notice the money was withdrawn right away. The institution was very uncooperative and the information they put into their data base was completely wrong. I tried to dispute it numerous times to get the info corrected and it was never done. I would like my XXXX redunded.