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

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 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, in order to formally defend yourself. P.S. Please be aware that depending 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.
Product: Credit card or prepaid card

I opened 2 disputes with Citi Card on XX/XX/2020. A hotel reservation was made for 2 rooms on XX/XX/2020 for an arrival date of XX/XX/2020. On XX/XX/2020 I inquired about canceling the reservation with XXXX. XXXX reached out to the hotel directly and told me that they agreed to refund the money without conditions. I realize that this is odd wording, but the official policy was that the merchant would keep the first night 's charge. I asked clarifying questions and the XXXX agent told me that the merchant had already started processing the refund and I'd receive it back in 48-72 hours. On XXXX, after XXXX told me I should, I opened a dispute with Citi Card. When I opened my dispute with Citi Card, I conferenced in a supervisor from XXXX who told the agent that the hotel had agreed to refund the full amount without conditions. Citi Card has this recorded call and has refused to provide it to me ( after agreeing to on XX/XX/2020 ) for a small claims case against XXXX. On XX/XX/2020 I was notified on Citi 's app that they found in favor of the merchant without any supporting documentation. On XX/XX/2020 Citi agreed to request an audio copy of my recording when I opened the case and the agent told me that I'd receive a call back from the investigator in 7-10 business days. This did not happen. I provided ample evidence ; all that could reasonably be available considering the case. All calls from XX/XX/2020 forward have been done on our business line due to built in call recording. The call from Citi on XX/XX/2020 is attached. Relevant information begins at XXXX. The agent agreed that the recording from XXXX exists and that they agreed that I would be issued a refund and that I could be provided a copy of that recording. On XXXX I received 2 letters from Citi explaining why they found in favor of the merchant. It said we were a no-show. I provided proof that we cancelled 3 days prior to the date of the reservation ( proof attached ). On XX/XX/2020 I was first made aware that Citi found in the merchants favor for a second time. I called and spoke to a representative that would not tell me why the 2 disputes had different statuses. He told me investigators do not have access to recordings. I asked to speak to a supervisor and said none were available and disconnected the call. I am disgusted at Citi 's handling of the entire process. Citi did not make a good faith effort to accurately or fairly resolve my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Student loan

I have been having issues with XXXX XXXX, who took over my loan from XXXX. I have been in deferment for a while because I am a graduate student, but I like to check my account from time to time so I can keep tabs on what I owe. 
Last Saturday ( XX/XX/2018 ) I tried accessing my account multiple times and the service was unavailable despite claims on their website that they are a 24/7 access site. I have tried again today, XX/XX/2018, at XXXX and the site is still unavailable. I then tried to contact the company and they ask for a SS #, and it said the number was not on file, yet when I tried to register an account I couldn't because I already had a file. I decided to research the company only to find extremely negative reviews of other people having the same or worse problems ( XXXX XXXX XXXX  ). 
I have reset my password and gotten " in '' to the site where they say there is no information based on my SS #, yet they say that my loans are being handled on the same page ( screenshot attached ). I logged out and attempted to log back in with my new password, and the unavailability message is back. How is it that I have no access to MY information?! 
I plan on graduating this year which means that my loans would come due. I am not comfortable with this sketchy company having my personal information or access to my finances. 

I appreciate any help that you can provide. 
Thank you.
Product: Debt collection

XXXX XXXXXXXX XXXX I started receiving text messages from an unknown number stating I needed to reconcile an account that might be mine. The messengers name was XXXX, no last name given. Messages also did not have a subject nor details regarding alleged account or company of alleged account. XXXX XXXXXXXX XXXX I received another text message stating, We previously called due to the state that you reside and issued a notice to you but haven't heard back yet. Before we proceed with any further steps, including sending documents to employment verification it's essential to talk to you about your options. Please note, this issue is both time-sensitive and time-stamped, requiring your immediate attention today.Contact us at XXXX Send STOP to opt out. 

I called immediately out of urgency and curiosity. The caller said my account was from XXXX and I owed a small balance of, {$180.00} from a XXXX account, and I accrued 2 years of interest fees but they would take the smaller amount to cover the defecit. I questioned the caller because I could not find any proof of collections on my credit, I looked in my Wayfair account and my XXXX and only order was paid in full, my XXXX account showed no signs of an order from XXXX, so all signs were clear that this had to be fake. I still wanted to be sure so while the caller was getting belligerent and eager to receive a payment, I asked him if I could call back to make a payment after I verified with XXXX. He said, sure but they would tell me my account was sent to collections so I should just pay right now or suffer more fees. I asked him for the so called account number to cross reference when I called him and he gave me a XXXX number. I asked for his company name and he stated, XXXX XXXX XXXX, I then thanked him and said I will call you back because I dont believe this is right I dont have any accounts open and its not on my credit report. He continued to argue with me so I hung up and called XXXX. Confirmed my suspicions and came directly to this website per the XXXX representatives advice.
Product: Mortgage

To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.
Product: Debt collection

On XX/XX/2023 I received an alert on my XXXX account so I went to take a look at what it was, then I seen that a collection appeared for XXXX for the amount of {$1500.00} dollars I called XXXX immediately and reported that the account did not belong to me or that someone is fraudulently using my credentials because Ive never had XXXX as my phone carrier they then responded that I should make a police report and file a complaint with the cfbp as I am doing now. Then XXXX placed a fraud alert on my file but then I also went to my XXXX to investigate there and I see the same collection that shouldnt be there also
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have tried to get information remove based on the facts that my right s have been violated.15 U.S.C . 1681 sec 602 a under the fair credit act and also 15 U.S.C. 1681 sec 604 a can not make any of the following information or adverse other than records of convictions of crimes that dates more than 7 years. None of this information was done without my consent. The information I have attached shows that the 3 credit buenas have done this serveral times. First it was said that the information was verfied and the source that they got it from XXXX has said that the information is not verfied and I have sent each agency a letter from XXXX showing that. I sented it to each agency with that information also in the attachments. What is being done is wrong and I would greatly appreciated if this problem be resolved. I have all the information in the attachment to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

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

I am writing to formally express my regards. 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.
Product: Debt collection

I have stuff that Im attaching I have sent this to the debt collector already no response
Product: Credit card or prepaid card

I had a unused credit card from Capital One for which I was paying a lot of money on Membership Fees. OnXX/XX/XXXX I called Capital One ( at around XXXX XX/XX/XXXXPDT ) and asked them to close my credit card. There was no option to close the credit card from the online site. This is a very deceptive and dubious practice. I spoke to the customer service person for more than 15 minutes who tried various ways to keep the account active which I declined. I asked them to close the account immediately. On XXXX I found through credit reporting agency that my card was still open and I was being charged Annual Membership fees + Interest charges and I was missing payments for the same. I did not receive a paper statement it nor did I receive an email. I was under the impression that my card was closed. Today I chatted with Capital One online so that I can keep a record of my chat. They told me that they can not help if the account was not closed and can waive the fees if I pay the membership fee. This is extortion in broad day light with the help of the Government. Why they don't have an option to close account online as that would give us a clear record and a transaction ID? Basically they want you to call them so that they can keep your cards open. Capital One has ruined my credit report and they should pay for it. 

This is the same practice XXXX XXXX did with me few months ago and the same practice by Capital One. 

I don't think CFPB will do anything ( as they did not do anything regarding similar complaint against XXXX XXXX ) but I am recording this complaint anyway so that I can reach out to our congressman and senators with the same complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are a list of inquiries that are on my credit report that I dont recognize. Id like them to be removed immediately. Thank you for your time and efforts its very much appreciated. 

XXXX DEPARTMENT XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX shows hard inquiry from JPMCB on XXXX XXXX XXXX, That are incorrect and unauthorized. 
JPMCB has no record of these inquiries.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Product: Checking or savings account

I am filing a complain with the XXXX regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act, as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was payed off XX/XX/year>, revieved letter that loan is XXXX balance. 
They are still harassing me for payments, I call and the auto answer saids XXXX balance. Sent a letter and copys of payoff letter and check cleared. They call me like 12 times a day at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, Experian, and XXXX have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I pay {$XXXX} bi  weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi  weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Product: Debt collection

I attempted to pay my payment due on XX/XX/2019 and the computer system connected to synchrony credit card was faulty and didn’t receive my payment until after the due time. I called the (synchrony) the company, and made sure the payment went through and they told me it had not. I proceeded to pay it & requested they remove the late mark on my credit & I was assured this would not effect my credit. After reviewing my credit report, I see a missed payment remark from synchrony and request this be removed. I have had that credit card for 2 years and have never been late on my payments.Thank you for your assistance and time. Let me know what you need from me to take care of this marking.