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

I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE Employers : XXXX. 
XXXX XXXX XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this. 

The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it came to my attention that an incorrect/erroneous entry had been reported onto my credit report by American Credit Acceptance causing my credit to drop over 110 points over night. I was in the process of seeking financing for a house which consequently caused my financing to be denied. I contacted American Credit Acceptance to bring this to their attention. While recognizing it was their error, they informed me there was nothing they could do. I have documentation demonstrating the account was closed on XX/XX/XXXX. American Credit Acceptance said it was a glitch only with XXXX XXXX only for me to find out a month later that it was in fact on all of the credit bureaus. I contacted American Credit Acceptance again. They apologized and said they would fix it. I requested a letter that I could provide to my financing company and they said no, they could NOT provide a letter. I spoke with a supervisor and was told again that they could not provide a letter. I told the supervisor that I would be seeking legal compensation for the damage they had caused me and my family. It was then that they were suddenly able to provide the letter/document which I have on record. My credit report remains unchanged. I filed a complaint with the XXXX XXXX XXXX approximately a week ago. A representative from American Credit Acceptance contacted me several days ago letting me know she would be beginning an investigation. She called me back this morning ( XX/XX/21 ) letting me know AGAIN that there was nothing they could do, it was NOT their responsibility and that my account was showing open. She furthermore told my that the documentation I had, an XXXX  report showing the account as closed and the negative remark did not prove anything. I lost financing for a house for me and my family due to their error and the refusal to correct it.
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 violates 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 regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

disputed numerous charges that I did not authorize, specifically for a subscription I never signed up for. Ive been charged {$9.00} since XX/XX/year>, along with other charges. However, Apple wont provide the merchants phone number so I can contact them directly. Instead, they issued a provisional credit, which they later charged back to my account.

Apple never reached out to me for additional information via text, email, or phone. They also refuse to give me the phone number of anyone who might contact me, making me doubt they even attempted to follow up on the disputes. I emailed supporting information, but they never responded.
Product: Credit reporting or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1800.00} High Balance {$1800.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$640.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$640.00} High Balance {$640.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1800.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1800.00} High Balance {$1800.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$640.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$640.00} High Balance {$640.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$480.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$480.00} High Balance {$480.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX SYSTEMS {$290.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$290.00} High Balance {$290.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX SYSTEMS {$480.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$480.00} High Balance {$480.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX card see {$690.00} stage {$620.00} torrid {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/NELNET- Account number XXXX is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX*Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Checking or savings account

I received notification from Bank of the west debit fraud alert on the morning of the XXXX of XXXX. I responded immediately. 
There were multiple charges from XXXX against my debit card. 14 charges of {$9.00} and 6 at XXXX that had happened close to midnight on XX/XX/23 and into the morning XX/XX/23. 
I checked my email and noticed the fraud alert. 
I immediately called the bank and I reported that they were not my charges. They closed my debit card at that moment. The operator started the process of replacing my debit card. 
Then i looked online. My account showed All charges were still in pending. I contacted the bank again and they said I'd have to wait until Monday when the department was open. 
I called Monday XX/XX/23. They said they would start the process of investigating the charges. they allowed all of the charges to procces and the money to be removed from my account. Approximately 12 days later they reimbursed what at that time i thought were all the fraudulent apple charges. 

Now almost 3 months later they Withdrew the amount that was reimbursed. {$170.00}. During all of this mess Bank of the West was in transion to BMO bank. 

Today XX/XX/23 going back and looking at my account and reconciling. I relize they did not in fact fully reimburse me. The original amount that they alerted me to was {$250.00} They only had reimbursed part of the fraudulent charges. Which I did not realize. And now they have taken that back. 
Needless to say after 25 years I will be moving my banking services away from BMO Harris.
Product: Checking or savings account

Too many overdrafts account was closed. Im aware there is a private side bank account. Even if bank account is closed bank has been holding my funds. There is a XXXX fee Im entitled to.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking these funds were unfeasible. They informed me CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns
Product: Checking or savings account

Chase put a restriction on my checking account on XX/XX/XXXX. Would not tell me why they did it. After 30+ years they said that they are cutting ties with my. But after the account was put into restriction status, Chase accepted direct deposits to the account. I had to go to the back branch on XXXX XXXX XXXX numerus times to see what is going on. This is because the they would not tell me over the phone. I had to tell them that the funds that they accepted was after the account was restricted. And I want my money from them. The first time the staff was able to get the check released from the account by someone over the phone. The next day the did the same thing. So another trip to the bank. That time the staff was very rude and was not able to get the funds released by someone she called. She had to go to the manger. He released the funds from that check. But without saying Do not return to this branch any more. She said you can go to any branch if there is anymore problems. I checked my account sure enough there was another check posted. I called up and talked to someone on the XXXX of XX/XX/XXXX. That woman said that the account would be closed in XXXX business days and that I can go to the branch and get the fund there. But on XX/XX/XXXX I checked the account there was a ZERO balance and that the was a withdraw of the balance of the funds in the account. At that time I called the Number on the card and was transferred to someone that can help. That person said that was never the case that if I went to a branch they would issue me a casher 's check for the amount. She still never informed me why they closed that Chase is cutting ties with me. But the check was cut and it should be her by next week sometime. This is not right to find out that your account ties was terminated by calling up them after your card was declined why purchasing items at a store. That made me feel so low. I feel that Chase should called the number on file on XX/XX/XXXX to tell me. Not me finding out on XX/XX/XXXX at a store.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my address : XXXX XXXX Please update my name to My only social security number is My only correct date of birth is My only employer is I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Enclosed is my Drivers License and Proof of Residence.

This is my 3rd request! Verify through certified mail received XX/XX/year>.
Product: Vehicle loan or lease

On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX XXXX XXXX are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Checking or savings account

Ive called many times asking why theres an online account when Ive never opened an account with Wells Fargo online and the money deposited was used without any authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with Trans Union, XXXX and XXXX beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.