23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00}
Product: Debt collection

My credit report shows a collection from Eastern Account Systems that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. They continuously update the account in a shady attempt to lower my credit score. This companies business practices need to be investigated.
Product: Money transfer, virtual currency, or money service

Im reaching out to address my concerns with how Zelle handles disputes, especially given the recent CFPB lawsuit exposing major issues with the platform. Ive used Zelle numerous times and reported discrepancies, yet neither my financial institution nor Zelle took my claims seriously. They told me recovering the lost funds wasnt possible and tracking the transactions couldnt be done. According to the CFPB, Zelle has failed to protect its users and has allowed repeat offenders to take advantage of the system, leaving people like me vulnerable to scams. 

This lack of accountability and transparency isnt just frustratingits unacceptable, and it puts consumer safety at risk.
Product: Credit reporting

Transunion is reporting XXXX tax liens on my credit report. I have spoken to IRS they stated that have never issues any Tax Lein against my name. I went down to the court house. I was told that they do not speak or provide any information to any of the credit bureaus. They even provided me this in writing. They also check XXXX and is unable to locate my name address and Social in their system. Yet trans union is violating my consumer right and damaging my credit with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX, GA XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Product: Credit card or prepaid card

They over charging me I tried to dispute a transaction where they over charge me server time with a rental car company an they was tell me that I cant when its wasnt clearly my fault now they i constantly calling me about a overdraft on my checking account with like XXXX dollars an fees
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of XXXX  months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX XXXX, I received a noice Bing bing bing. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. 
I sent you all documents that the request will be processed. 
Your immediately attention to this matter is appreciated. 
Sincerely XXXX XXXX XXXXXXXX
Product: Debt collection

Credit Management LP has entered a negative ( collection item ) into my credit file with the main 3 credit bureaus for a debt that I do not owe. This negative entry has caused a major decline in my credit scores for each bureau. 

I requested validation of debt from Credit Management LP ( letter attached ) and as of today 's date, I have not received any form of validation from this company. I have attached a copy of the validation request letter that I sent to Credit Management LP, via certified mail. 

Rather than validate the debt and communicate what is required of me to assist with clearing up their records, this company entered negative and damaging information into my credit file. Validation of debt was requested because I know that all monies owed to XXXX XXXX were paid directly to XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX owned by DNF Associates, LLC gives notice of an account balance of {$610.00} sold on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX who now is owner. 

Although DNF Associated, LLC states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to XXXX XXXX XXXX XXXX XXXX of which I am confused about.
Product: Credit card or prepaid card

I got a letter in error according to Chase stating that I could participate in the " My Chase Plan '' for my Chase Ink Card giving me the ability to split up purchases over {$100.00} into a payment plan effective XX/XX/XXXX. Both of my computers are on the fritz so I found a great deal and bought a new PC only to find out that Chase sent the letter to Chase Ink members in error. I never received any documentation stating otherwise and now I have a large balance that I was going to pay in increments. This has rocked my confidence in Chase to the core. As a small business owner trying to make it this really hurt my bottom line and I would have made a different move if I were notified of this error by Chase. I checked my records and did not see a notification from Chase of this error. On XXXX, XX/XX/XXXX, when I called Chase asking Chase how to set up the " My Chase Plan, '' only to find out that it was canceled. I did request a copy of the letter showing that the plan was canceled. I was advised that Chase would request a copy of the letter and I may or may not receive it and that there was nothing else they could do. 

First of all, since Chase sent the initial letter out in error wouldn't there be a strong possibility that Chase erroneously never sent out a letter retracting the " My Chase Plan? '' I do not have the letter in my records. Furthermore, there would have never been a problem if Chase never sent out the erroneous letter in the first place. In addition, I worked at Chase for 11 years in PMI Research, Foreclosure, Bankruptcy, and Recruiting departments. I know that there should be no problem with getting the letter that was supposed to have been sent to me regarding the termination of the " My Chase Plan. '' I also know that all the calls are recorded and you and here the customer service representative state that the letter was sent in error. 

I would like for my confidence to be restored with Chase but with such a large blunder and Chase not trying to honor the " My Chase Plan '' that is attached to this e-mail I have to strongly consider changing financial institutions with all of my Chase accounts. My plan initially was to take {$3100.00} and divide it by 24 months for a payment of {$120.00} per month to make it more affordable and to pay it off sooner. Chase can offer me this plan, something comparable, or better to help restore my confidence and trust in Chase. I hate having to think that now I must second guess anything that I receive from Chase going forward. 

A complaint was filed on my behalf for my issue to be handled by the XXXX XXXX XXXX ( ERG ) with Chase on XX/XX/XXXX. I received a call from XXXX XXXX XXXX XXXX team that she was looking into my issue with Chase on XX/XX/XXXX. On XX/XX/XXXX, I got a call from XXXX with Chase 's ERG team staining that she had reached out to Chase Ink and that they could do nothing. I also never received any proof that a letter or any other correspondence was sent to me stating that the " My Chase Plan '' was canceled.
Product: Money transfer, virtual currency, or money service

On XXXX my XXXX  month old daughter accidentally, while watching XXXX XXXX on the XXXX, sent someone {$9200.00} via paypal. although paypal has two factor authentication on its app, it does not actually require any information in the form of face or finger recognition or a password to access the app. 
Paypal first claimed that the money was sent from my phone and was therefore a valid transfer regardless of the circumstances surrounding the transfer. they then suggested we file with them an " item not received claim '' which would resolve in our favor after the recipient of the money was unable to provide shipping information. although being told this claim would resolve automatically in our favor on two occasions, since that time paypal has refused to unfreeze this money and tried to draw this money from our checking account claiming alternately that there is a " Grey area '' surrounding our case because we have suggested it is both unauthorized transfer of funds and item not received, ( although paypal created the claim and changed the nature of the claim for us based on information we provided over the phone ) and that we need to provide paypal with proof of purchase of an item or a description of the item, even though they know we can not provide proof of purchase as paypal knows there was no purchase. further the recipient of the money has continually tried to return the money via paypal and paypal rejects the return of the money as hindering its investigation, rather than accepting the return of money as further proof that this money was not intended for this person. paypal, not even the unintended recipient of this money, is now in possession of almost {$9300.00} dollars which it inexplicably refuses to return to me under the guise of various investigations, all the while promising the return of the money if we would simply wait a few more days.
Product: Debt collection

I, XXXX : XXXXXXXX XXXX speaking for myself in this claim. PORTFOLIO RC is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. PORTFOLIO RC is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to PORTFOLIO RC for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will fully exercise my rights and seek remedy in full.
Product: Checking or savings account

I received an unsolicited debit card for a checking account I did not open and a bank with which I have no business affiliation. I have attempted to contact the bank via phone, email and social media. All avenues require activation of the debit card or disclosure of my full ssn in order to speak with a customer service representative. This is unacceptable for a company that I do not have business with.
Product: Payday loan, title loan, personal loan, or advance loan

They keep calling my place of employment multiple times a day even though the phone number isnt even listed on my account.
Product: Mortgage

We are processing a short sale with PNC. On  XXXX   XXXX ,  2017 , I spoke with  XXXX   XXXX  at PNC, requesting a status as to the acceptance of our short sale offer. She informed me they are submitting to Investor end of this week and they will have an answer within seven days. On  XXXX   XXXX , I called PNC and spoke to  XXXX  ID #  XXXX . She said they had sent letter out on  XXXX / XXXX /   17 sta ting they were waiting on answer from Investor and would have an answer within 30 days. On  XXXX   XXXX , I called PNC and spoke with  XXXX   XXXX   XXXX   XXXX . She said the file is active in loss mitigation, they believe they have everything they need, sent to and waiting on answer from Investor. No decision yet. Just suggested calling in weekly, or if we want, twice a week. On  XXXX   XXXX ,  2017 , I called PNC, and spoke with  XXXX  ID #  XXXX . She said still no answer from Investor. They have gone passed the 30 day window. After that, they had issued a denial based purely on no answer from Investor. They then re-opened it with Investor, trying to get an actual answer. It stays formally as denied until they get that answer. It is unacceptable for them to refuse to issue an actual decision based on the merits of the offer due to not hearing from THEIR clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Can you please remove/update these inaccurate personal information from my credit report. Thank you
Product: Credit card

In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. 
When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). 
The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %.
Product: Checking or savings account

They allowed {$20000.00} to be taken from my account and didn't notify and just frozen my account.
Product: Credit card or prepaid card

Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$2000.00} Money Gram I send money international in XXXX XXXX the reciver Of the money is not able to pick up the amount I sent it I try calling money gram they are not responding to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXate of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Mortgage

my wife passed away on XX/XX/XXXX we had mortgage insurance it took several atemps for the ins. com. to get the payoff for XX/XX/XXXX i finially had to do a 3 way call to get the payoff i was aiready XXXX enough from the loss of my wife of 45 yearsthis took all of XX/XX/XXXX then on XX/XX/XXXX XXXX XXXX XXXX sent the ck. for XXXX for the payoff chase motgage said they lost the ck. they could not find it. the insurance comp. put a stop pay on ck. after 30 days on XX/XX/XXXX a new ck. was sent as of XX/XX/XXXX it is still not paid off i have contiuned to make the payments and now am asking for your help all of the ins. cks. have had my account number on them their is no excuse for this not being paid off they have contiuned to charge interest daily this should have been paid off at least by XX/XX/XXXX i  feel when they do finally get their act together they should reimburse the interest from XX/XX/XXXX the ins. comp. said they had never had a bank loss a cks. plus chase was aware that we had mortgage ins. it was part of the loan package with XXXX XXXX that had the mortgage to start with they sold it to chase back in appro.year XX/XX/XXXX i do not this contiuned XXXX i only did the mortgage ins. because i thought i would always go first can you help. my wifes name is XXXX XXXX XXXX mortgage account numberXXXX
Product: Credit card

Capital One issued me a Platinum Credit Card ending in XXXX and I had made two purchases totaling {$350.00} using the Card with {$150.00} on XX/XX/year> and {$200.00} on XX/XX/year> from a Merchant, namely XXXX XXXX XXXX. The Card was not a Rewards card and I was not entitled to any rewards nor any Rewards Credited to my account at the time of Purchase. 

A month ago, I received an offer from Capital One to upgrade my Platinum Card to Capital One Quick Silver which would entitle me to earn rewards with every purchase. 

The Merchant whom I had paid for services refunded my amount {$350.00} a week ago and surprisingly Capital One charged me {$5.00} for the Refund showing - {$5.00} in Rewards even though I never received the Rewards for this specific Purchase. 

I called Capital One Bank on XX/XX/year> at around XXXX and spoke to a representative and she gave me her name as XXXX ( If I remember that correctly ). After putting me on hold for around 30 minutes, XXXX informed me that they have charged me correctly and they would take {$5.00} out of my existing Rewards amount. Even after explaining to her that I had never received this Rewards for that purchases, she said that's what the Rewards team had informed her and told me she can't help further. 

When I asked the Representative to connect me to her Supervisor, she refused to do that and hung up the Phone. 

It is a clear case of Cheating by Capital One and I request CFPB and FTC to inadeptly investigate how much Capital One Bank has accumulated illegally by cheating other Customers. Capital One needs to be sued and and amount of compensation should be paid to all the Customers who were the victims of such fraudulent activities.