23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I use a service called   XXXX   XXXX   that lends money and they are connected to my chase checking account and they need to see recent transactions but my bank is extremely lacking and slow in sending those transactions to a ridiculous point of time.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that does not reflect my applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : SXXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.
Product: Checking or savings account

On XX/XX/year> I purchased a virtual call center tour VIP ticket from XXXX XXXX for {$490.00}. The event was XX/XX/year>. The day event was free however there was an option to get more if you paid for the VIP ticket. The original VIP ticket included a photo shoot, an automation system for my business, a website for my business as well as a dinner and access to her membership. I only received the free event and the dinner. I did not receive the automation system, my photo shoot or my website. On XX/XX/XXXX, reached out to her team and was told that the itinerary was changed weeks ago however I have a screenshot of the website that was taken on XX/XX/XXXX and the website still had the original itinerary. I was also told that the original {$1900.00} was discounted to {$490.00} due to the changes but I have a screenshot stating I paid the discounted price for a different reason. I still expected to get everything that was originally offered to me and was never notified that there were any changes to the event or what I would be receiving. I was also never given the option for a refund due to the changes. I was told I would receive my website on XX/XX/XXXX and I still havent received anything from them. 


On XX/XX/XXXX I filed a dispute with chime. I sent them the same documents attached in this complaint and on XX/XX/XXXX my dispute was denied. I asked for the documents used in their findings. I also asked for the claim to be appealed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX  acct XXXX XXXX. XXXX XXXX XXXX  # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Product: Credit reporting

I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once m, not twice.
Product: Debt collection

this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}
Product: Payday loan, title loan, or personal loan

I lost my job back on XXXX XXXX and trying to keep a roof over my head I was unable to make my payment for XXXX. it wasn't even a week later they started calling me at least once a week. I can't remember if it was a week or two weeks ago I made an agreement to pay {$5.00} before or on the XXXX XXXX XXXXXXXX. I just got my paycheck an hour ago tried to go online and pay the {$5.00} payment but the minimum they would allow was {$50.00} so I called customer support to try and pay the {$5.00} payment but the minimum they would take was {$10.00} over phone with my debit card they claimed only way to take the {$5.00} payment was through the bank account which the account they have on file is my cash app account and I don't use that except to send my children cash or husband cash and when I applied they wouldn't not accept my XXXX bank account for payment reason or deposit I received the money through check form and signed up to pay manually cause I don't trust the contacting the bank for money method cause it's doesn't not come right out of the account when you do that with several companies like it does with debit cards and it mess up my account when they do that. when I made this payment agreement nothing was told to me about minimum amount online, over the phone. the company asked what I could afford by the XXXX and I agreed to {$5.00} they offered to extend my payment which I refused cause I agreed to a certain amount by a certain date and them extending payment is a way to charge me extra late payments. I'm trying to pay them back but at time I can not afford but the {$5.00} I agreed to pay by today and in my book them not taking my payment of {$5.00} with my debit card is refusing to accept payment and I'm not sure but I have been informed that refusing to accept payment of what I agreed to pay and them asking for more is a breach in contract on their part. I asked to have a supervisor put on the line and instead of pushing me on to a supervisor the customer service keep trying to keep me on the line with her. I hung up went looking for help online to who to contact about this matter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These following account, inquiries and personal information are all incorrect Please delete. 
collection 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 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
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Bank account or service

Chexsystem Consumer RelationsXXXX XXXX XXXX XXXX, MN XXXXInaccurate marks on my financial reports and failure to inproved the marks to obtain credit cards and bank accounts.Would like to know what laws can provide with me with failure to keep financial records accurate.Would like to request a Federal Bureau Of Investigations and XXXX XXXX XXXX Investigations on the ChexSystem Company.To resolve my burdens on financial living progress.And the damage they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite providing proof of my identity five times this year, TransUnion, XXXX and experian continues to mishandle my disputes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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
Product: Credit card or prepaid card

I have received dozens and dozens of email offers ( approaching XXXX ) from American Express over the past 2 years offering XXXX skymiles if I add an additional authorized user to my XXXX XXXX XXXX XXXX  account XXXX On XX/XX/XXXX, I clicked through one of these offers and added my wife to my account. In the offer it stated I had until XX/XX/XXXX to meet the minimum spend requirement of {$500.00}. I met this requirement within 1 month and have spent the last 4 months waiting on Amex to make good on their bonus miles offer. I have attempted to contact Amex support 4 times, and they keep stating that they dont have any record of active offers for my account, despite me having screenshot proof -- and while they continue to send me the same exact solicitation. On more than one occasion they just closed the case after the promise of an escalated follow up with no response. There is clearly some kind of error in their systems registering click throughs on these offers, but they are refusing to honor to the point it feels like bait and switch fraud.
Product: Credit card or prepaid card

This is a Best Buy Citibank credit card. I am a XXXX  and went out on a XXXX  XXXX. My balance was {$3100.00}. I knew I was going to have difficulty paying this so I did a balance transfer with XXXX with 24 months to pay XXXX back. 

XXXX issued the funds on XX/XX/2021. My balance with Citibank should have been XXXX. At the end of XXXX I had a financial hardship with car so I charged {$2900.00} to my Citibank card. 

XXXX XXXX I received a bill from Citibank for {$6000.00}. Since then it has been a nightmare. Month after month I have called and produced evidence to support the payment from XXXX. XXXX provided me with the transfer number and a letter that Citibank refused to acknowledge and kept saying that they never received my payment. 

I did get the XXXX XXXX XXXX involved and now they have found the payment but are still refusing to credit my account. My balance should be {$2900.00}, but with all the interest and late fees it is over {$7000.00}. 

I need help, please intervene on my behalf. I struggled for one year caring for Covid XXXX  and now I have to deal with people who refuse to look at the evidence.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692
k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Consumer Loan

i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right
Product: Credit card or prepaid card

A Balance Transfer Check was issued from XXXX XXXX XXXX XXXX on XX/XX/2023 and received on XX/XX/2023 but not processed until XX/XX/2023. 
presuming this check was lost, stopped Check and and had replacement sent on XX/XX/2023 by XXXX  XXXX tracking # XXXX to Comenity Bank overnight address listed on the back of their bill and received on XX/XX/2023 by a XXXX XXXX at XXXX payment has not been posted yet. I had called on XX/XX/2023 and spoke to a rep who told me it was the payment from fed ex that was posting., she was wrong! I am told by their Reps that paper check payment can take up to 2-4 weeks to post, is that legal? 
I spoke to a Rep XXXX last night who thought it was strange if a payment didn't post within XXXX weeks, WHY would i put a stop on it and consider it LOST. 
I normally send payments electronically and they take 2 business days to post to the credit card, but they are deducted immediately from my checking account, usually its the other way. 
these are bad business practices that need to be investigated, PLEASE. 
I would also like to now is itLLEGAL for them to DELAY POSTING of a PAYMENT and not back date it the date received..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 about consumer safety
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX My complaint is re : Capital One. I have 2 business credit card accounts and a history of excellent credit and also a history of using their 0 % balance transfer offers. I received several email offers, multiple, from Capital encouraging me ( on both accounts ) to use their then ( 2 months ago ) current offer of 0 % for 18 months at a 2 % transaction fee. 0 % has been a wonderful tool for my small business. 

I took advantage of their offer and put {$5500.00} on Capital One, account above. 

My first statement after borrowing, I owed the minimum of {$55.00} for that month. 
That was fine and logical. On my next ( XX/XX/2019 ) recent statement, i thought i missed the payment date because i owed much more than the minimum payment on the 0 % offer I had taken advantage of. I rarely miss payments, but I had been sick and thought I made a mistake somehow. 

I called yesterday ( Sunday ) and spoke with a regular phone person ( XXXX # XXXX ) and then with a supervisor ( XXXX # XXXX ). XXXX, the supervisor, said my transfer was processed as a regular transfer and that I owe interest every month to the tune of approximately 30 %. They said they would need to review the phone call with the original representative and it would take at least 7 - 10 business days ( while incurring further interest!!! ) to look into this and, that they don't call their customers - they could only contact me with their " decision '' by letter. 

I believe Capital One is entrapping people. i am waiting for their " decision '' but in the interest of safety I have used up almost all my available funds to immediately pay the Capital One Credit card of over {$5500.00}, plus the interest charge of {$140.00}. Because, if for some strange reason, they decided that I changed my complete history of doing business and borrowing them - with the stupidity of putting myself and my business in a 30 % interest position, they i would owe even more interest! Smart on their part, don't you think! 

This is outrageous. I am very careful about how i utilize my credit and therefore have excellent credit. 

If, for some reason, I did not properly understand on the original phone call borrowing this money - I know that it was not transparent and in verbiage that would entrap the public. I would not make a mistake like this easily. And I am sure other people, maybe people who have done this for the first time, could easily think they were wrong and they owed this money with interest. 

it is outrageous that it takes 10 days and only thru a letter, for them to resolve my issue - while still accruing interest! 

Thank you for your help with this matter.