23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I contacted Zip about issues I am having with the merchant about returning a purchase. They told me to reach out to the merchant which I had already done a couple weeks before unsatisfactorily. They told me to reach out again. I showed them a screenshot of not getting a response on XX/XX/XXXX for my request to return items and obtain a refund. I told them that I was frustrated and my only option was to go through my bank if Zip could not help me. They stated you have to go through the merchant again. After a few more days of not getting a response from the merchant I filed a claim with my bank. 

Now I see that they have removed my access when I have paid all my bills on time and fairly without even trying to investigate with me or the circumstances. They should have a better obligation to their customers. This is ridiculous and unfair.
Product: Debt collection

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Consider this notification a formal COMPLAINT & DISBUTE against KeyBridge Medical Revenue Care Attn : XXXX, I do believe it is in violation of the FDCPA for you to report a derogatory remark on my credit report without informing me that after 35 days ( according to a conversation w- XXXX XXXX that this would reflect my CBR. Especially after receiving a token payment of {$10.00} XXXX XXXX. Supervisior. XX/XX/2020 I asked more than once for a deletion from my credit report. I offered to Pay In Full. She declined to delete from my credit report. I have full intentions of reporting Key Bridge Medical Revenue Care, I can assure you that I will be reporting your organization and your client XXXX XXXX to the Attorney General, XXXX XXXX ; the State of Ohio Attorney General, XXXX XXXX and the XXXX XXXX XXXX of Ohio. 
I maintain a credit score of XXXX and 143 consecutive months of perfect payments on the accounts I have open. 

KeyBridge # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Consumer Loan

I made all monthly installments along with any late charges that accrued. At maturity of the loan the lender says that there is still a large balance outstanding. I have been unable to get any explaination or resolution from this company by phone.
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 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 's 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. 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 's 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: Student loan

Second complaint regarding this months payment. They misapplied my payment then wouldnt fix it. Called the company and they stated they couldnt fix the payment until after the due date, but that It would be fixed and that the entire payment had been made and that I didnt owe for the month. Well the payment was fixed but to my surprise I receive an email last night saying my payment was overdue. I login and its overdue for {$5.00}. How is this possible when I overpaid this month? How is this possible when the person on the phone said I was paid in full for the month? Its also saying that I will be charged a late fee. Why is this when your phone rep told me nothing was due?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX  I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I have asked the company twice to not call me at work and to communicate with me In writing and they 're still calling me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Today, as I was checking my credit report XXXX cant help but notice that there are inquiries in it that I don't recognize, I did not authorize this nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : PORTFOLIO RECOVERY Account Number : XXXX
Product: Credit card or prepaid card

Here is a timeline of my attempts to be refunded for a trip I booked to XXXX in XXXX. The trip was cancelled due to COVID-19 and the travel company went bankrupt. I've made multiple attempts to get my money refunded through my credit card company ( CapitalOne Visa ). 

1. Booked trip with XXXX for trip to XXXX ( did not include airfare ) and paid initial {$300.00} with Capital One Credit Card ( Visa ) Date : XX/XX/XXXX Planned Date for Trip : XX/XX/XXXX XXXX. Second payment of {$500.00} made to XXXX with XXXX XXXX XXXX Credit Card ( Visa ) Date : XX/XX/XXXX This amount was eventually refunded/credited by Visa/XXXX on XX/XX/XXXX XXXX. Final payment of {$1500.00} made to XXXX with CapitalOne Credit Card ( Visa ) Date : XX/XX/XXXX 4. Was notified on XX/XX/XXXX by XXXX that XX/XX/XXXX trip was cancelled ; I chose to rebook for the same trip in XX/XX/XXXX XXXX. I requested a refund on XX/XX/XXXX and was told that a that a credit was applied and I would get my refund 1 year from final payment date of my original booking 6. I received notification from FlashPack on XX/XX/XXXX that my trip was cancelled and I would need to apply for a refund - I had already done that in the previous step 7. I received notification from XXXX XXXX on XX/XX/XXXX that XXXX had gone into Administration and I needed to file a claim with my credit card company 8. I submitted original claim with Capital One in XXXX Case # XXXX 9. Received notification that Capital One needed more information on XX/XX/XXXX ; I mailed all supporting documents/emails to Capital One. Was notified via mail in XXXX that my claim was again denied because they needed more information. 

10. I tried contacting travel insurance company XXXX XXXX on XXXX via their website - I was not able to submit a claim form but the instructions on their site just put you in a loop that never takes you to a form. I also submitted a Help request form via their website and never received confirmation or a response 11. I submitted a 2nd request for help form on the XXXX XXXX site on XX/XX/XXXX and have not gotten any response or confirmation that my request was received. 

12. I re-mailed all of the content above to Capital One plus the addition of the attempt to contact the travel insurance company and was again informed my claim was denied. 

13. I contacted Capital One again via phone in XXXX and received a link to a secure portal to upload all of my documents for the claim. 

14. I submitted the full timeline above again and supporting documents to Capital One on XXXX per their request via a secure portal and again received notification that Capital One again denied my claim. 

Im at a loss for how to get my money back from XXXX or Capital One. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off an installment loan with moneylion. After paying off the loan they placed it as a charge off on my credit report. I contacted MoneyLion and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and moneylion has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation
Product: Checking or savings account

I noticed an unrecognized money transfer of XXXX $ from my credit karma checking account to another bank checking account XXXX XXXX on XX/XX/year>2025 so I filed a dispute but credit karma have been not helpful to give me my money back and they keep asking me for the same documents and questions and they keep putting me on long hold times over the phone with no response on my dispute case Im very frustrated
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

THIS ACCOUNTHAS BEEN REPORTED AS A CHARGE OFF ACCOUNT. 
IT SHOULD NEVER BE COLLECTED BY ANOTHER COMPANY. I NEVER RECIEVED A 1099 FOR THIS ACCOUNT. THE DATE OF CHARGE OFF IS XX/XX/2024 FOR {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all written statements. I haven't asked for any statements, and if I did, I want them to be removed from " credit report ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I used the dispute form on the XXXX  website to request an early exclusion of two collection accounts ( for {$1800.00} and {$4500.00} ) from JH Portfolio Debt Equities that were already set to fall off my credit report on XX/XX/XXXX. The correct date of first delinquency ( DOFD ) on both accounts was XX/XX/XXXX. 

In response to my request, XXXX obtained verification from JH Portfolio. In this verification, JH Portfolio CHANGED my DOFD on both accounts to XX/XX/XXXX. 

XX/XX/XXXX is when both accounts were charged off from XXXX XXXX. There were six months of late payment delinquencies prior to the charge off. The initial 30 day late ( the first delinquency ) was XX/XX/XXXX. 

I completed another dispute with XXXX on both of these accounts on XX/XX/XXXX. I faxed XXXX  a copy of my credit report from XX/XX/XXXX, which indicates the first delinquency in XX/XX/XXXX, leading up to the charge off in XX/XX/XXXX, as reported by XXXX XXXX ( the original creditor ). I further submitted a credit report from XX/XX/XXXX, which shows JH Portfolio reporting the correct DOFD before they falsely changed it. 

In response to this dispute, JH Portfolio told XXXX that the information they reported is 'verified '. They did not supply XXXX with any hard evidence or proof that the DOFD is what they claim it is. They are knowingly reporting false information to XXXX in order to re-age both of these accounts.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy. 

I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXXXXXX XXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 or 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: Money transfer, virtual currency, or money service

My home was burglarized and someone XXXX know stole my drivers license, social security card, birth certificate and financial documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, I requested that the company ( portfolio recovery associates LLC ) provide verification of the debt and remove this collection from my credit report immediately if it can not be validated. Failure to provide this information within 30 days would result in assumption that the debt is not valid. No verification was ever sent me. I sent them this request on XX/XX/XXXX of XXXX. I requested the following : 1. The name of the original creditor and a detailed explanation of the debt, including a breakdown of how the amount owed was calculated.

2. Copies of any documents that substantiate my legal obligation to pay the alleged debt.

3. Proof that the agency is authorized to collect on this debt.

I received no information validating the debt. On XX/XX/XXXX of XXXX  I sent a follow up email letting them know that 30 days had past since since my original correspondence, and I did not received any response or validation of the alleged debt. 
There are two outstanding collections from them. 
1 : {$1500.00} 2 : {$440.00}
Product: Credit card

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they are reporting me as late despite my punctuality.