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

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit. 

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit. 
I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

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 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 XXXXXXXX.
Product: Debt collection

The account was opened in XX/XX/12 and I was a co signer in a vehicle purchased. When the veh was returned it was promised the overage in mileage would be taken care of by the dealership. It was not and this account is over 7 years old. It should not be reporting on my account as it has been charged off and no communication has been had with this account. 

I would like this removed as it is out of the statue of limitations.
Product: Credit card or prepaid card

This complaint is in regard to a Citibank credit card that can be used anywhere but is also a card you can use at XXXX. We earned last year the amount of {$25.00} in rewards and were notified sometime in XXXX or early XXXX about the rewards. We were supposedly sent a reward certificate in the mail but never rec 'd it. After reviewing our account, we asked about it and received it via e-mail and then rec 'd another duplicate. Anyway, today XX/XX/19 went to XXXX and made a fairly large purchase and presented the coupon. It took them forever to enter it as no bar code, we held other customers up and were finally told the reward was not good and another one had probably been issued. I called XXXX in Citibank customer service and explained to her that she should just credit the account like my other cards do but she could not do that, she said she would send an updated certificate but never rec 'd that via e-mail. Anyway, I want the account credited for the {$25.00}. I mean this is about the worst system there is for giving customers credit for points earned. This small amount was earned last year and here it is XXXX and still no credit. I'm having to waste time on this, we held other customers up today at XXXX and I really don't want to present another " coupon '' that does not work. XXXX can do better than this.
Product: Money transfer, virtual currency, or money service

I booked a XXXX rental car reservation through XXXX. 

A few days prior to the rental date, I called XXXX to confirm car and pickup location. I XXXX  XXXX XXXX #, and called the 1st number ( and have a screenshot ). The person answering the phone said he was with XXXX, I confirmed my name and he gave me the specifics of my reservation ( location pickup, # of days, and cost ). He said that I had a reservation, but not a confirmation because I had not paid for the rental. 

I explained that the car was not to be paid until I picked it up. The person told me that it was likely that I would not have a car when I arrived, because it had not been paid and there was a shortage of cars. I was told that I could confirm the rental car with a XXXX payment, but could not use a credit card. 

On multiple times, I questioned that this was not my experience with XXXX. He said XXXX changed its policy. I asked him to confirm my XXXX loyalty number, what office he was working in and to speak to his manager. I was on the phone with him for 39 minutes ( approximately half the time my husband was also on the call ). ( See screen pic ) As instructed, I transferred {$900.00} by XXXX on XX/XX/XXXX to XXXX XXXX, and was told she was in the finance department. We immediately called JPMorgan Chase, to ask for a stop on the XXXX payment. They explained it was an immediate payment and it was likely that they would not be to stop the transfer. As of today, the recipient has not yet registered with XXXX and claimed the money.
Product: Debt collection

Dear Choice Recovery Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2013. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit card

Take a close look at the attached documents. I wish for the bureau to begin an investigation into these accounts, as my payments are consistently punctual, yet they are incorrectly noted as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 27 unauthorized inquiries that are being reported by Equifax. Prior unauthorized inquired were deleted and received confirmation by mail, but still showing on website. Contacted Equifax which told me to do the process once again to file FTC report, which brought me back to reporting and going through this process once again.
Product: Mortgage

I was recently modified with my Lender Suntrust. In the meantime they filed lis pendens which meant my private information became public in county records and XXXX and I have received a lot of solicitations. 

One particular concerns me because they called me pretending to be the mortgage company and because I am in the industry I knew better and they have called me 3 times now. The number they call from is XXXX Today I told them that I was going to report them and they used profanity back to me. My fear is that they are making these calls to consumers who aren't in the business and don't know the laws and are scamming them. Please tell me who to contact or how I can be of further assistance. 

Thank you in Advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.
Product: Mortgage

Prior complaint submitted on XX/XX/XXXX. The Bank reported a credit to my XXXX account of {$280.00} for Homeowners insurance payment overpayment debit. I did not receive any written documentation of the correction and no change to the payment due for XX/XX/XXXX. The correct Homeowners insurance premium payment for XXXX of XXXX was {$1000.00} and not {$1200.00} which was deducted in XXXX of XXXX. There is also a forecasted {$1200.00} overpayment for XX/XX/XXXX. These two errors cause an over estimate of XXXX required to pay the homeowners insurance. I have tried to call to get additional information but service was refused twice. The first time I did not have my Drivers license number. The second time I provided this and was told my ID could not be verified because it was not in their 3rd party XXXX XXXX  XXXX ID verification system. 

I am seeking the following remedies : Written verification of the {$280.00} credit to my XXXX account. Removal of the forcasted {$1200.00} overpayment for XX/XX/XXXX. Updated XXXX payment scheduled reflecting the corrected homeowner 's cost which would reflect lower XXXX account balance requirement. My monthly mortgage payment for XX/XX/XXXX was {$1300.00} and my current statement for XX/XX/XXXX received indicated the payment is {$1400.00}. This is an increase of {$140.00} per month. Could you please explain this increase if the corrections mentioned have been applied?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I obtained my XXXX, XXXX  and Experian credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, XXXX or Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX  XXXX have caused undue harm to my financial reputation and stability. Account : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  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 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: Money transfer, virtual currency, or money service

I am writing to express my concern regarding zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting issues with the platform. I have had numerous discrepancies that I have reported but have been failed by zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. IFEVER, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a 3mos period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).
Product: Checking or savings account

On XX/XX/XXXX I called TD Bank to stop a payment being sent to XXXX XXXX XXXX because I had already paid XXXX  through their Web service. I waited 30 minutes to talk to a customer service representative and then another 30 minutes to speak to the Bill Pay service customer service representative. The representative proceeded to tell me there would be a fee to stop the payment, despite the fact that I have a Beyond Checking account with specifies the fee is waived for stopping Bill Pay payments for this type of account. The representative told me I needed to maintain a daily balance or have a certain amount of money across accounts, despite the fact that I receive more than 5,000 dollars in deposits per month every month, and this fact is irrelevant as the type of account I have ( Beyond Checking ) waives stop payment fees regardless of these factors. It is egregious for TD Bank to state that I need to pay a fee for a service that the bank states is free. The customer service representative then stated she needed to speak to her manager and hung up the phone on me, after I had waited for a total of an hour to speak to someone regarding this matter.
Product: Checking or savings account

My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

MY DEBIT CARD WAS LOST AND I HAD TO MAKE A CLAME ON IT AND WELLS FARGO BANK PUT THE CLAME IN FOR ME. NOW IM CHECKING MY ACCOUNT AND ITS TELLING ME IT WILL BE CLOSED ON XXXX. IT NOT MY FAULD MY DEBIT CARDS WAS LOST AND SOMEONE USED IT AND MADE FRAUD CHARGES ON THE ACCOUNT, WELLS FARGO GAVE ME THE CREDIT BACK TO THE ACCOUNT & NOW THEY ARE TELLING ME THAT THE ACCOUNT WILL BE CLOSED. IM ASKING THEM WHY & THEY ARE NOT GIVING ME AN ANSWER ON WHY IT WILL BE CLOSED. I HAVE THIS ACCOUNT FOR OVER XXXX AND NOW MY FIRST CLAME THEY ARE CLOSING IT. THIS IS NOT RIGHT WHATS THE POINT MAKING AN CLAME IF ITS GOING TO BE CLOSED. WHEN ITS FEES TAKING OUT THE ACCOUNT WE AS THE COMMUTER NOT HAVE AN SAYSO ON WHATS GOING ON, BUT ITS THE BIG COMPANY THAT CAN DO WHATEVER THEY WANT & GET AWAY WITH IT.
Product: Bank account or service

I called on XXXX XXXX, 2016 I called Capital One Bank to place a stop payment, they put the stop payment in and charged me a {$35.00} stop payment fee for XXXX XXXX in the amount of {$140.00}. When I check my account on XXXX XXXX, 2016 I saw that the transaction was pending in my account, I spoke with a manager by the name of XXXX who assured me that the transaction will reject at processing and my funds will be available in the morning. When I checked my account on XXXX XXXX, 2016 the transaction posted to the account and I was charged a {$35.00} overdraft fee. I called and spoke with a manager and she told me that the transaction had to post and that the funds will be available Tuesday because of the holiday. I explained to her that I was told something different. I hung the phone up called back and spoke with a manager by the name of XXXX who told me that the transaction should have stopped and I have to speak with someone in claims to file a claim. She then transferred me to claims and I spoke with XXXX who told me that it would take 10 business days for the money to go back in my account after they complete their investigation. I explained to her that, that was unacceptable I had no money and I should not be inconvenienced because Capital one made an error, I then spoke with her Supervisor who in turn said that I would have to wait 10 business days. I then asked for the number to the office and he got me back over to XXXX who said that she took down my information but it was nothing they could do about getting my funds back sooner. This is the second time that this has happened with Capital one Bank, it 's the holiday weekend and I have no money due to there negligence and they wo n't do nothing to correct their mistake. The customer has suffer and be penalized for Capital One Bank 's error
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  No. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  No. XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.