23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to L J Ross Associates. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX  and XXXX.I disputed with XXXX but recieved a email Pdf saying The Collection agency L J Ross Associates verified it was me.that a lie.I contacted them first when o saw on myfico they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because Lj Ross say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. Whatever date XXXX or lj ross may ask me to verify I can prove via paystubs that I live and worked in XXXX
Product: Debt collection

This is a complaint against NATIONAL CREDIT SYST. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting

I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.
Product: Credit card

I was planning to use my credit card. I was reviewing my credit report and showed XXXX of my accounts were closed when I look at the Phone app. There is no indication at all that my account is closed and in fact, it shows an available balance. And in fact, next to the available balance is a button to click to explain what the available credit balance means. I made a complaint to the credit bureau to say it was incorrect. Since based on the app. It showed my account was open and I was not given any reason or notice that my account was closed. The bank came back and did not change the information on my credit report. When I contacted the bank directly, they confirmed the account was closed. They refused to tell me verbally what the reason was because they claim, they have no access to that information. They said I would get a reason in the mail-in XXXX weeks. I waited XXXX weeks. I did not receive anything. I called the bank again again. They confirmed it was close. I explained to him how I found the deceptive. How could the account be closed yet? When I look on the app, there is no indication that it is closed and it shows me this in the available balance and there is no indication at all of a close status. Again, they told me they could not give me the informationverbally and they claim they will send again a notice in the mail. 
When I when I told them, I wanted this escalated and I was going to file official complaint with the CFPB I was transferred to a supervisor and when I told him he transferred me back to the first line regular customer service after specifically stating before he transferred me, he said. Since you want to escalate this, I need to transfer you. And he put me right back to a regular customer service. SO my problem is this. I find it very deceptive. How I could go on an app seen available balance? No indication in my account is closed yet. My account is closed. Had I not checked my credit report? I could have easily been in a financial problem. Trying to use my credit card and trying to use the amount which the bank is telling me is available to me to use in my credit line. So XXXX I need to find out what the reason was.That they closed it and second of all the bank must stop immediately being deceptive by closing accounts.Yet having it display in the Phone app.There 's an available credit line and making the customer.Believe in this case me that I have an available credit line when.In fact the account is closed
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 This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have a 30 yr fixed rate loan with this bank.Every month they hold out auto pymt from my bank account that includes interest and principal. I started sending a extra amount to them which should go right to the principal no interest. I talked to them about it once and they went back to the correct way but it messed up the way they figured the interest into the loan.Time went by everything all right then they did it again the loan is fixed any extra money sent to them over the pymt amount should go to principal.It is not a huge amount but it will change the whole figures on the loan since it is already fixed for the life of the loan.
Product: Credit card or prepaid card

I received an invitation to apply for a XXXX credit card from BBVA Compass Bank and went ahead and applied online ( application ID : XXXX ) my application stayed pending for over a month and during this time I received false information from more than 10 people in customer service about the application being pending credit review. After a long period I spoke to someone who claims to be a supervisor ( XXXX XXXX ) but he was rude, not helpful and had no power or authority to demonstrate that he is a read supervisor. He told me that the bank won't approve me because I am not a XXXX XXXX which is a total discrimination based on Citizenship and Country of Origin. I told him if that's how the bank evaluates potential customers why did they send me an offer in the mail to apply for credit card even though I am a citizen to which he never had a good answer and then he started blaming me for applying online even though the letter says that I can apply online, in branch or by the phone. Federal credit regulations state that when a bank solicits a customer through mail to apply for a credit card their offer must be firm, legit and final approval is subject to CREDIT approval not citizenship status. If this bank made me an offer they were never going to honor it even if my credit was perfect because they are discriminating against people who are not citizens which means that the offer was not legit, illegal and against federal regulation. I asked if they are willing to remove the inquiry and he refused and told me to go contact the credit bureau. I read the offer letter again and not a single word says anything about being a XXXX XXXX before applying. Later I received a letter in the mail stating that they won't approve me because of fraud risk which is a complete joke because I tried to work with them and submitted verification documents including my social security card and state ID and even went to a branch in person to resolve the issue but no one wants to help. I was treated unfairly by this unprofessional bank and it's useless customer service team and I expect CFPB to protect me and my rights from this whole encounter. Attached are all the pages from the offer letter and the denial joke letter.
Product: Credit reporting 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles 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 CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Hello CFPB and/or Citi Team XXXX I am writing to formally lodge a complaint against Citibank regarding their IT system that is predatory either by design or by malicious negligence. To the point that I am compelled to bring these matters to your attention in hope of prompt resolution of their ongoing online services. 

Despite my numerous attempts to address these issues through your customer service channels, the problems persist, causing inconvenience and frustration. Either by phone and/or in-person, Citi is not willing to link a business credit card to an already existing business and/or personal account. 

As trivial as it may sound, by forcing the consumer to register for new and seperate Citi online logins can only be a result of a premeditated decision to intentionally done to harm the consumer. 

I already have several ( 3 ) online accounts for Citi Business, Citi Costco Business and Citi Personal accounts. This would be a fourth seperate and unique login which is entirely unacceptable. 

Today, while on the phone, I was transferred to no less than 5 persons. Each telling me something different. A Citi associate said this could be possible, but I would have to be transferred to another team to settle it. Then the new Citi associate said it was not possible and that I could link it to my personal account. I was even told that I would register for a new and seperate Citi system altogether. 

It is worth noting that as a relatively successful small business owner I was at one time a Citigold Private Client. I only transferred out my capital b/c Citi 's interest rate was no longer competitive with the market.

Although it may seem frivolous on insignificant, these are harmful and consequential procedures which can only be done by design or by malicious negligence.

In light of the issues, I do not want to just formally complain, I propose the following actions to be done : 1. Link my Citi business credit card to either my Citi personal login ( preferred ) or my Citi business login. Both of which are existing in good condition.

2. Implement a Standard Operating Procedure ( SOP ) so that other consumers do not have to endure what I am enduring.

3. Disburse newly implemented SOP to all Citi associates so that no one will have to be transferred 5 times to 5 people each with different knowledge.

4. Contact me afterwards to confirm this and or explain.
Product: Debt collection

My situation is very sad. 

I arrived in the U.S. a few years ago and just a few years ago I got my social security. 

They are deliberately placing a debt of over {$40000.00} on my credit that is not mine for something rented. 

How can this be possible, when I barely have my social security to be able to responsibly work here in the United States. 

This XXXX XXXX XXXX with an account number of XXXX are deceiving me by placing this debt on my credit when it is not mine. 

I CHOOSE NOT TO BE DECEIVED AND TO BE PROTECTED BY THE SYSTEM.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I applied through the app XXXX on the XXXX XXXX XXXX. I was only curious about it and provided my information. I was approved for a loan of {$500.00}. However, I did not formally accept the loan or sign any agreements. Despite this, they deposited the money into my account and have been charging me {$74.00} every 2 weeks for a total term of 12 months, totalling {$3500.00}, which is over 7 times the principle amount. I did not agree to the terms of the loan or sign any contract. You can see in the screenshot that the emails sent to sign these contracts is still unread. I am also unable to see any information on how much I have paid off of the loan on the website, only the payment schedule.
Product: Money transfer, virtual currency, or money service

Over a month ago I downloaded the app XXXX. A app that allows you to buy XXXX  currency. I gave all the information they asked for. I sent pics of my Drivers license and added my bank account to their app. I began to buy XXXX currency through their app. Ive already invested around {$700.00} with them and they took that money out of my bank account over several transactions. Now a month later, my identification has still not been verified which means I can not withdrawal any of my money. I also cant put anymore money into it. Its absolutely locked me out from doing anything with my money. Ive emailed them three or four times and all I get is automated messages. They will not respond. They are basically holding my money and they should not be allowed to do this! They need to verify my account so I can have the ability to withdrawal my funds if need be or buy more XXXX. Tons of people are experiencing this issue. I seen all over XXXX. I feel helpless. They will not respond to me. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off reported on my credit file, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed the accuracy of this account, yet a proper investigation has not been conducted as required by law. Due to this continued negligence, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate further if necessary. 

The account in question is falsely reported as a charge-off in XX/XX/XXXX, when in reality, the charge-off occurred in XX/XX/XXXX. This is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in consumer credit files. Furthermore, this re-aging of the account violates 15 U.S.C. 1681c ( a ) ( 4 ), which states that a charge-off may only be reported for XXXX years and XXXX  days from the date of first delinquencynot a later date fabricated to mislead lenders and harm my creditworthiness. 

Additionally, a charged-off account can not legally continue to report a balance because, under GAAP ( Generally Accepted Accounting Principles ) and federal regulations, once a creditor charges off an account, they remove it from their books as a receivable. A charge-off signifies that the creditor has written off the debt as a loss, meaning the outstanding balance should be XXXX on my credit report. Reporting a balance on a charged-off account is inaccurate, misleading, and a violation of FCRA 1681s-2 ( b ), which requires furnishers of information to report accurately and correct any errors upon dispute.

Furthermore, this inaccurate reporting may constitute unfair and deceptive practices under 15 U.S.C. 45 ( Federal Trade Commission Act ), as it misrepresents my credit history and causes financial harm. The act of knowingly misreporting data and failing to correct errors upon dispute also violates 12 U.S.C. 5531 and 5536
( Dodd-Frank Act ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial transactions.
Product: Debt collection

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Debt collection

I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it. 

Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped. 

I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so. 

I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The account details in question are as follows : - Account Number : XXXX - Reported Date : XXXX XXXX, XXXX - Balance : {$16000.00} - Current Payment Status : In Collections/Charge-off - Account Type : Auto Loan - Responsibility : Joint I have identified several discrepancies that need to be addressed : XXXX. Monthly Payment : {$0.00} reported incorrectly. 
XXXX. Payment History : Last payment date and status need clarification.

3. Account Status : Derogatory remarks need validation.

I demand verifiable proof of accuracy. Under the Fair Credit Reporting Act ( FCRA ), incorrect or unverifiable accounts must be corrected or deleted promptly.

I request a thorough investigation and a response within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX