23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account - The best services XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Payday loan, title loan, or personal loan

I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED EXPERIAN ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES XXXX XXXX  FOR A TOTAL OF 3 TIMES
Product: Debt collection

In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: 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. 


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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.
Product: Checking or savings account

Navy Federal Charged me for over draft fees, when funds werent available. My balance didnt reflect the actual amout that was in my account, which caused me to over draft insuffient funds. The dates were XXXX XXXX- XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a notification from Citibank that my dispute of {$1400.00} for a charge on XX/XX/2020, for airline tickets on XXXX XXXX, was closed as the airline was offering a travel voucher for future travel, which is not allowed as per United States Department of Transportation ( USDOT ) rules and regulations, which require an airline to offer a cash refund for cancelled flights originating in the United States. I have enclosed my correspondence with Citibank, which took the merchants position that I am not entitled to a cash refund in violation of the USDOT rules and regulations. When I followed-up with Citibank in XX/XX/2020, and received a letter back dated XX/XX/2020 stating that I no longer have any recourse, and they have no options available to assist me, even though XXXX XXXX response back to Citibank was not truthful, and made numerous false accusations, which Citibank ignored.
Product: Credit card or prepaid card

I have had a problem with my Sam 's Club Credit card since I opened it last year. Not sure if it is the bank or just Sam 's Club, but there are some very questionable and misleading practices they have that are alarming. 

When I opened it, I was told the card was accepted at Sam 's and Walmart stores. I also was told that if I made a purchase within the first 90 days, I would get a credit of {$45.00} on my acct. I did, and when I went to pay the balance off, I inquired when the {$45.00} would be posted and was told the date. After that date passed with no credit, I inquired and was told " You didn't make the purchase at Sam 's Club. '' They were NOT explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both. 

Most recently, I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due, as I had not received an email stating it was time for the payment. I saw that the due date was XX/XX/21 and I was a few days late. I clicked " Pay the minimum payment '' button and went through the steps to pay the minimum payment. I even asked a chat rep if there would be a late fee and he said he would waive it. Then, today, XX/XX/21, I checked my bank acct and the full balance -- over {$400.00} -- had been taken, leaving me with an overdraft. Sam 's Club Credit would reverse it or cancel it and basically said, " You made a mistake. '' They have shady, misleading, and deceptive practices and the bank that is behind their credit cards needs to be investigated. People need to be warned to NOT open a credit card with them, as they are fraudulent.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many years ago I subscribed to Experian TripleAlert credit monitoring service from Experian and have been paying a monthly fee. I no longer need this service from them and have been trying to cancel the service. The only method they publish for canceling the service is via telephone. I called them multiple times and they never put my call through to a representative. I call their number ( XXXX ) XXXX ; enter my SSN, zip code, DOB, etc ; press the option to cancel my membership ; and then they put me on hold forever. While writing this complaint I've been on hold for 1 hour 9 minutes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information.

Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Monthly payment - Past due amount {$1800.00} Terms 1 Month Responsibility Joint Your statement-
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Telecovery is reporting I owe a debt of {$70.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX It is illegal to report to transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and Experian have violated my rights per 15 U.S.C 1681 section 623 which states consumer reporting agencies must report accurate and true addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX
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 issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate adequately. They informed me that once a money transfer was done mistake or not those funds were gone leaving me vulnerable to scams. Zelle failed to notify consumers and give fair warnings.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear LexisNexis, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
XXXX. Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
XXXX. Please delete this account immediately for failing to do your due diligence in making sure everything is 100 % accurate on my report. Thus, it is unverifiable and must be deleted immediately. 

Sincerely, XXXX 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 name XXXX XXXX XXXX XXXX : # XXXX, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX XXXX : # XXXX, Account name XXXX XXXX : # 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 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

They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!
Product: Credit card

I did not Authorize this company to run my credit. There are two inquiries on my credit report and they are for dates of XXXX and XX/XX/year>. Thank you
Product: Checking or savings account

I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.