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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to you regarding your violation of the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate, unverifiable, and invalidated information from my consumer file. Please be advised that I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the inaccurate, unverifiable, and invalidated items listed below are not deleted immediately. 

I demand that you comply with the FCRA and delete the following items from my credit report as they are inaccurate, unverifiable, and invalidated : XXXX inquiry : XX/XX/XXXX XXXX  inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX  inquiry : XX/XX/XXXXXXXX XXXX account number : XXXX ( account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr ) XXXX account number : XXXX ( I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. ) Please note that you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. However, you have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Your agency 's failure to comply with the FCRA is in direct violation of Federal Law. I demand that you take immediate action to delete the inaccurate, unverifiable, and invalidated items listed above. Failure to do so will result in formal complaint to the Federal Trade Commission and legal action in accordance with the FCRA. Please consider this my final written offer of settlement before litigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Walmart 2 walmart money service on XX/XX/2023 my aunt sent XXXX got my act # and they keep the money saying fraud only able for refund no other information was available and XX/XX/XXXX I was to receive XXXX and was told the same thing they keep the money on the refund for 48hrs then the sender can get the refund I called ria the company and they will not give any answers to y it's fraud I need answers my aunt is XXXX and shouldn't have to do this
Product: Credit card or prepaid card

I called capital one customer service on Friday XX/XX/2020 to pay off my balance. I requested for my total balance payoff due and i was told XXXX. It was the same balance from my bill statement. I borrowed money from wellsfargo bank and called customer service to pay it off. I received another statement saying that I owe another XXXX dollars. My hours have been cut at my jobs because of daughter XXXX. Capital one is not willing to help. I believe this is a ripp off to charge customer after balance is paid off. XXXX and XXXX  XXXX XXXX does not charge extra money after balance is paid. I did not get any extra bills from XXXX XXXX XXXX and wellsfargo after making my payment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a XXXX XXXX offer customers, Zelle services XXXX These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle XXXX has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to bank of America to open checking account ( XXXX ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX XXXX  that I had committed fraud. XXXX XXXX then sided with the fraudulent bank branch and put my name in XXXX XXXX for " suspected fraud '' after reviewing info from bank of America showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX XXXX  continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX # XXXX {$0.00}, XXXX XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX {$0.00} did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute,XXXX you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that XXXX, TRANS UNION and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). I am aware of your illegal practices of sending form letters in response to disputes and challenges. from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show 30, 60, or 90 past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
Please delete the error
Product: Mortgage

Shellpoint has claimed to never receiving any loss mitigation documentation from Ditech or being notified of my loan being in review prior to servicing my loan. Yet, included in their last response to my complaint dated XX/XX/XXXX Shellpoint included a letter from Ditech, which stated it had received my application for loss mitigation. Unfortunately, my application was incomplete at the time, but I had until XX/XX/XXXX to submit the missing documents. I have attached the letter for your review. However, XXXX filed for Final Judgement against me on XX/XX/XXXX. How is a loan in foreclosure with a final judgement of XX/XX/XXXX, then reassigned to Shellpoint for servicing on XX/XX/XXXX? Also, if Shellpoint had no knowledge of any loss mitigation documents being received by Ditech, the previous servicer; please explain the letter included in Shellpoint answer to my complaint dated XX/XX/XXXX. The letter attached is from Ditech dated XX/XX/XXXX which clearly states, Ditech received my application for loss mitigation. They have violated the CFBP and RESPA numerous times.
Product: Checking or savings account

Bank : Ally Issue : False advertisement for {$100.00} bonus for new account I opened an account with Ally because of the promotion in XX/XX/2017. The promotion page listed 5 conditions. However, after I have met the 5 conditions, Ally refused to honor the bonus and cited that according to their current promotion ( {$200.00} bonus ), 3 trades are required. The current offer page also clearly listed the 3 trades qualification condition.

I have the previous screenshot that shows at the time of my promotion, there was no such requirement. Or I could assume that it was deliberately made unknown the  customers. Ally can not show any concert proof that it was in the fine print either.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been 30 days since I've sent my dispute letter to no avail.THIS IS A VIOLATION OF MY CONSUMER RIGHTS ON ALL BOARDS PLEASE UPHOLD THE LAW AND REMOVE AND UPDATE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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, leavening 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I submitted an application for a PayPal Credit Account, underwritten by Synchrony Bank, on XX/XX/, which was subsequently approved with a credit limit of {$7700.00}. 

However, on XX/XX/, I received an email containing a letter that informed me of a reduction in my credit limit. This decrease was attributed to an unwarranted creditworthiness prediction conducted by Synchrony Bank 's credit scoring system, where I did not " score well '' with certain " credit characteristics. '' The specified reasons for this reduction were outlined as follows : 1 ) Delinquent or Derogatory Real Estate Secured Loan 2 ) Delinquent or Derogatory Accounts 3 ) Insufficient Balance Paid Down Over Time on Installment Accounts 4 ) Unpaid Collections After receiving the letter and between XX/XX/, and XX/XX/, I filed a dispute with Synchrony Bank through PayPal Credit Customer Service. In my dispute, I highlighted the reasons mentioned ( Line Items 1-4 ) and argued that the " delinquent trade lines '' on my credit bureau ( s ) had already been considered and accepted during my initial application and the inception of the PayPal Credit Account and should have no impact. 

In response to my dispute, I received a letter from Synchrony Bank ( dated XX/XX/XXXX  ; attached ) treating my initial dispute as a request for a credit line increase with a request to submit proof of all net income within thirty ( 30 ) days in order for the request to be processed, which is not correct. 

I again vehemently dispute Synchrony Bank 's decision and the reasons stated above for my credit limit to be decreased as the " delinquent trade lines, such as the delinquent or derogatory accounts, and unpaid collections, as appearing on my credit bureaus were already considered and accepted at the time of my account application was submitted and the inception of the PayPal Credit Account and should have no impact. 

Inasmuch, contrary to the assertion of a " delinquent or derogatory real estate secured loan, '' I encountered a one-time, 30-day reporting discrepancy by my mortgage servicer, which occurred at minimum three ( 3 ) years ago and should have no impact. Plus, the mortgage loan has remained current since. 

The statement regarding " insufficient balance paid down over time on installment accounts '' is misleading. I successfully paid off all " no interest for 6 months '' accounts within the specified timeframe, with no interest assessed. Therefore, the claim is erroneous, especially considering the account is less than 6 months old. 

I am perplexed by Synchrony Bank 's unauthorized access to my credit bureaus, particularly since I did not request a credit limit increase prior to or since XX/XX/. Furthermore, the inclusion of previously considered factors, such as derogatory and collection accounts, in a subsequent assessment to detrimentally impact my credit limit seems unjust and potentially unlawful. 

Thus, I formally request a thorough investigation into these matters, as I suspect that Synchrony Bank may have violated the law in this instance.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In   XXXX   XXXX     I paid a bill with my  XXXX  debit card at  XXXX   XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the  PNC logo that was  a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with  XXXX   XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM.    .   I called the number on the back of the  PNC issue d debit card (  XXXX  ) and it connected me to a representative at   XXXX   XXXX   XXXX    .  The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from   XXXX   XXXX   XXXX   that was prohibiting me from removal of the cash balance presented to me by the  PNC ATM.    The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my  XXXX  ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive.     i want the fee arrangement between  XXXX   XXXX  Indiana,  PNC a nd  XXXX   XXXX   XXXX  investigated and I want my funds returned without the charged fees to access and retrieve my own cash..
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was added on my credit report without my knowledge. Please Remove this from my credit report.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused.

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

sent 609 and 611 letters to original creditors and credit bureau for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given written instructions.