23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 
LIST OF ACCOUNTS BEING CHALLENGED ; ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX - XXXX {$7000.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge if the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

I have previously communicated my objections regarding this account, yet NATIONAL CREDIT SYSTEMS has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages.

Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands.

Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account, and the inquiries not authorized.
Product: Vehicle loan or lease

On XX/XX/2021 I made a Principle Payment Only of {$250.00} towards my account balance. 2 days after my normal payment was taken out and processed. I've done this before and familiar with the 72 hrs it may take to show on the account ledger. It's now XX/XX/2021 and the ledger still reads normal payment of {$250.00}. I'm charged a daily interest rate on my Principle Balance which is NOT accurate as of XX/XX/2021. This company is stealing money from me. I have called 3 times as well as sent emails and even talked to 3 different reps who've claimed to submitt tickets for the change. I'm doing my part and paying my bills during this pandemic the least they could do is process my payments accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from XXXX and XXXX it needs too be removed from Experian as well
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit reporting act the following creditors have violated my rights for account with AAFES/MILITARY STAR XXXX XXXX XXXX 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Product: Credit card

I applied a XXXX Credit Card from American Express, several days later they sent me a letter to ask for my Social Security Number. So I mail them the copy. Then I got another letter from them again, being told that the copy is not acceptable. They did not tell me what they need exactly in the letter, when I called, they said they need the original letter from SSA office. So I went there, waited for about XXXX hours, and the officers told me that they already stopped issuing so-called " original Letter '' from XX/XX/XXXX. So, how can I get that? I called American Express again, they told me that I need to get my Social Security notarized, so I did that again, it cost me {$10.00}. I mailed that to them on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called them again, they told me that this notarized Social Security Copy is not acceptable again, they could do nothing but cancelling my application. I do n't understand why I got this decision after I did all they told me to do. They just fool me around, making me spend my time and money for nothing. 

My tracking number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of 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 the tracking these transactions are unfeasible.
Product: Credit card

hello i applied for XXXX card with this bank and there rep told me about all the other cards they have and said that if i apply to them within 30 days they will use my report on file well i did but now i have XXXX inquiry on my report the last XXXX of my ss are XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Bank of America On XXXX.I applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant XXXX5 U.S Code 1691 ( K ). Bank of America has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently pulled my credit report and noticed that there's a collection from XXXX XXXX XXXX on my credit report. Over the past 4 months I have requested validation of this account from XXXX XXXX. As of today ; I have not received any correspondence from XXXX XXXX regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. XXXX XXXX XXXX is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until XXXX XXXX validate this debt, they can not continue collection activities nor report this information on my credit report.
Product: Debt collection

Trying to collect a debt because I fired an incompetent Doctor and Hired another to Do my XXXX as a result they have Decided to add two Amounts that total more than XXXX XXXX Dollars so I would not be able to have this fraudulent Amount excused on XX/XX/22 they are in complete control of this and have continued to harass me with unwanted Phone Calls and Threats I previously had several debts removed because of the XX/XX/22 act but this last one the decided to add together making it {$660.00} and above the {$500.00} Amount I have no control over what they decide to type up and send you are my last resort I have talked about this at Church and you are my last Hope I shall appreciate any help that you can give Sincerely!, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE SENT EXPERIAN A POLICE REPORT AND FTC REPORT AND THEY CONTINUE TO REPORT THE XXXX CHARGE OFF ON MY REPORT THIS HAS BEEN AN ONGOING PROBLEM SINCE 2022. THIS HAS BEEN A HINDER IN MY LIFE AND HAS CALLED A GREAT DEAL OF STRESS ON ME WITH TRYING TO BUY A HOME AND FINDING EMPLOYMENT. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and saw that the credit reporting agencies had placed fraudulent collections on my record. The attached documents indicate what information is falsely reporting and it is doing so in violation of federal law.
Product: Credit card or prepaid card

I have a XXXX credit card and have had it about 4 months. My credit limit was set at {$500.00} and my minimum payment was $ XXXXmonth. I just made a payment of {$300.00} on XX/XX/XXXXwhich dropped due balance to {$200.00} but I wo n't have access or use my card until  XX/XX/XXXX because I made a larger than minimum payment. My payment cleared my bank account XX/XX/XXXX effective XX/XX/XXXX when I made the on-line payment. The payment posted on XX/XX/XXXX but I ca n't have access to it until XX/XX/XXXX. I have argued with two people on the customer service line ( which is another nightmare just trying to talk to a real person ) and asked why they would punish a customer for making a larger than minimum payment and not letting them have access to their money to spend in their store. All I got were apologies and saying it was a policy with risk management. I asked how can I be a risk making a larger than normal payment and they were taking it directly from my checking account? I want access to the money I paid on my card as soon as it clears my bank.
Product: Credit card

Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this I have complained 3 times and they do not want to return my money stating that I am responsible and it was not like that, they are so disordered that they do not have records in their system of the complaint I made
Product: Credit card

I am writing to file a formal complaint against Discover concerning unresolved duplicate charges on my account and inadequate customer service in addressing this issue. 

Description of the Issue : On XX/XX/2023, my account was erroneously charged twice for the same statement. This error has not only led to a negative balance in my debit account but also resulted in an overdraft fee. 

Impact on Me : This issue has caused significant financial distress and inconvenience, such as being unable to pay my rent. It's imperative that this situation be rectified promptly to avoid further financial damage and potential harm to my credit standing. 

Actions Taken for Resolution : I contacted Discover and submitted a refund request form on XX/XX/XXXX and XX/XX/2023. However, there has been no resolution or meaningful update regarding my case. Attempts to seek assistance from their representative, were unhelpful as I was directed to call customer service without receiving any substantial aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$200.00} XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX  on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file
Product: Mortgage

I called my Mortgage Company XX/XX/XXXX. I stated that they had increased my monthly payments because of an escrow shortage XX/XX/XXXX, and they had told me at the time that once they made up for the shortage, my payments would return to my previous amount. They had not changed, so I asked them to please investigate and let me know when that would be fixed. I called again in XX/XX/XXXX, because I had not received any communication from then. I was told someone would get back to me. Then, in XX/XX/XXXX I received a letter stating that there was " another shortage '' in my escrow account, and they would be increasing my payments again! Each time this has happened, it has been right after I called to complain about something. The first time, I requested a full disclosure of my escrow account, and the amounts in it. I feel like I am being retaliated against for requesting information that I am legally entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to XXXX XXXX XXXX ( a ) To Whom It XXXX Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under XXXX XXXX XXXX ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days.

Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

The call arrived on my mobile phone as " spam. '' Since I did not recognize the number and am working during the time they called, I allowed the call to go to voicemail. The same number called 3 times in a row, at XXXX XXXX, XXXX XXXX  and XXXX XXXX. Each of the 3 times, the same exact voicemail was also left.