23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I requested Citibank to close my AAdvantage Platinum Select World Elite MasterCard account ( # XXXX ) in XX/XX/2021. I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My account is still open I want the account closed.
Product: Debt collection

I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues regarding the platform. Dispute using Zelle numerous times and reporting my discrepancies, My financial institution and Zelle both failed to investigate my claims adequately. They told my lost funds can not be recovered from Zelle and that tracking transactions was unfeasible. The CFPB findings show that not only that Zelle failed to protect consumers that they have allowed repeat offenders to exploit the system leaving users vulnerable to scam. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

my family had 2 accounts with XXXX XXXX for internet service. 
one with account number XXXX XXXX XXXX XXXX ( still currently active ) and the other one is XXXX ( deactivated ) for some reasons we found out we had internet service for XXXX, XXXX, and XX/XX/2023 on the both accounts XXXX and also on the XXXX XXXX XXXX XXXX. meaning XXXX XXXX is charging me for internet service lines at the same address, which per an XXXX  agent, 2 internet line at the same address is not possible. I paid for my internet services on the XXXX XXXX XXXX XXXX account in full for those 3 months ( and still using this account at the moment ). and i dispute the charge on the XXXX on my credit card because i was not using their service. 

XXXX sent their bill to a debt collection company. the debt collection company sent me a letter regarding the bill sometime last year ( 2023 ). I tried to dispute it and sent supporting documents. From then i didnt hear anything from them whether the bill is wrong nor they removed my bill or anything. Until last week a got a letter regarding the same bill again without any reason or information to dispute it. 

Again, i paid for those three month on my current account and i'm still using the service at the moment. and disputed the charge for those three month on the old ccount as the service was not provided or being used.
Product: Money transfer, virtual currency, or money service

I am filing a complainant against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

Description of Incident : I am submitting this complaint regarding my private student loans serviced by Sallie Mae. I believe I was a victim of fraud and misrepresentation by the educational institution I attended, and I am seeking assistance in canceling my loans on these grounds. Below are the details of my experience : Dates and Amounts : Enrollment Period : XX/XX/XXXX, to XX/XX/XXXX Loan Disbursement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Total Loan Amount Disbursed : {$22000.00} Reduce Loan Amount : {$10000.00} Total Balance as of XX/XX/XXXX : {$29000.00} Actions Taken by Me : 1. Initial Enrollment : I enrolled at XXXX XXXX based on their representations of accreditation, job placement rates, and the quality of their programs. These representations were made during meetings with admissions counselors, and through the school 's marketing materials. 
XXXX. Discovery of Misrepresentation : After enrolling and attending classes, I discovered that the school 's claims were false. The program lacked proper accreditation, and the job placement rates were significantly lower than advertised. Additionally, the quality of education and resources provided was subpar. 
XXXX. Gathering Evidence : I gathered evidence to support my claims of misrepresentation, including marketing materials, emails, and testimonies from other students who had similar experiences. 
XXXX. Seeking Legal Advice : I consulted with legal counsel to understand my options and was advised to seek loan cancellation due to the fraudulent actions of the school. 
Actions Taken by Sallie Mae : XXXX. XXXX XXXX : Despite my efforts to resolve the issue with the school, Sallie Mae continued to service the loans without addressing my concerns about the validity of the debt. 
XXXX. Communication Attempts : I contacted Sallie Mae on XX/XX/XXXX via the chat system they had but had no luck getting a hold of anyone. I then tried to reach them via phone call the next business day on XX/XX/XXXX to discuss the possibility of loan cancellation due to the fraud and misrepresentation by the school. I provided them with the evidence and detailed accounts of my experience. However, I did not receive a satisfactory response or resolution from Sallie Mae regarding the cancellation of my loans.
Product: Vehicle loan or lease

In XX/XX/year> i received a letter stating the obligation was met and i did not owe any moneys left on the car. This account was later placed on my credit report as a charge off and ive been trying to get this removed ever since
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the unauthorized inquiry from XXXX XXXX XXXX XXXX with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof I authorized the inquiry such as signed applications, contracts, or recorded telephone calls. 

I believe this account does not belong to me. During the time I was disputing this inquiry, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this inquiry does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Product: Credit card or prepaid card

I have tried to cancel my Apple Credit card twice on the phone, You can get the card online with no people interface, but like all slimy companies apple and golden sachs make you call to cancel, the first call I wanted to pay the balance and cancel, of course they have no way to do that, Second call after figuring out how to send money to them and paying card off. Said I could cancel if I read and agreed with there statement removing them from any recourse. 

You should require any company that allows to open and account online to be able to cancel account online. 

If You could please get them to cancel my account it would be appreciated. 

Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are reporting an XXXX XXXX BUSINESS credit card account on my personal credit report. I reported this issue to all XXXX credit bureaus several times, yet no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX  claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( XXXX ) entirely from my credit report. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

The Georgia Department of Labor requested a WAY2GO card on my behalf on XXXX XXXX. I never received this card. I called this company in XX/XX/2020 to inquire about the card. I was told that I could pay XXXX to have the card expedited with 2 day shipping. So I agreed to do that, however I NEVER received the card or any tracking information about the card. I have tried to call WAY2GO card services, but have been unsuccessful. They either hang up immediately or put you hold for hours and then hang up! This has caused my family and I undue stress. This company WAY2GO is a  subsidiary of Conduent company I have tried to reach out to them as well but was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal XXXX credit report on XXXXNoticed that this unauthorized inquiry had been made : -South east Toyota Fin. XXXX XX/XX/XXXX -South east Toyota XXXXXXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSouth east Toyota Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( South east Toyota Fin, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Checking or savings account

I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm having problems mainly with Bank of America. The issue is that there were back payments owed to me through XXXX XXXX XXXX XXXX that I had difficulty getting.

When it was finally resolved, {$790.00} was put on a debit card that was issued by Bank of America apparently in XX/XX/XXXX that I did not know existed or receive in the mail, and can not gather any information or access to this account from Bank of America. However the most recent claim of {$290.00} was sent XX/XX/XXXX by direct deposit to my regular checking account at Bank of America as I had requested. 

My issue is that the soonest that I could get a new debit card sent is this Friday the XX/XX/XXXX, which is coincidentally the same day that my next car payment is due at XXXX XXXX XXXX and has already lapsed once while I was trying to get the XXXX claim processed. 

I can't rely on the card to arrive at the address on time because it is my ex-girlfriend 's mom 's house and she has lost several credit cards that I had mailed to me before now and need the money transferred to my regular bank account, from the Bank of America account created for me by XXXX in XX/XX/XXXX. 

I was also having difficulty discussing eligibility of back payments from XXXX for XX/XX/XXXX because I couldn't get the claims processed and ended up returning to work before ever getting that resolved. 

I've run into every issue possible dealing with all of these agencies so any assistance here would be greatly appreciated. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

On  XXXX   XXXX ,  2017  the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the Equifax data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile because I never submitted the inquiry and they told me to reach out to the credit bureau which I have done over and over multiple times going in circles. 
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Unauthorized Inquiries : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX Jewelers XXXX BOX XXXX XXXX OR XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX/XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) 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. 

( 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. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX  per violation, for account listed without my expressed written consent.
Product: Credit reporting

Equifax has continued to report, a chapter XXXX I filed in XX/XX/XXXX, that was dismissed because I did not pursue the protection I initially asked for..That was 9 years ago ..having said that they are the bureau continue to score me in very poor credit risk debtor In low standing, although I have long ago re established .. a good payment history credit history my low credit score does not reflect my ontime bill payment.. & if credit card use & Inquiries is the standard used to dictate score.. they should " Check with those companies or 'Report ' those bill paid up as of XX/XX/XXXX ' & mainly stop reporting me as 'Very Poor ' when it comes to paying my bills & correct my score to reflect my excellent record ..
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, 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.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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.C. 1681EB 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.