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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against [ BMG MONEY ] regarding their failure to properly notify me about changes to their payment policies, which has negatively impacted my financial situation and my credit. 
1. Initial Policy Change : I was previously making weekly payments for my account ( PAYROLL DEDUCTIBLE. Due to my pay schedule from getting paid weekly to monthly, I was instructed to switch to a monthly payment instead of the weekly payments. So I changed my payroll deductible to monthly to equal the weekly payments. 
2. Lack of Notification : I was not informed that even with monthly payments that are equivalent to four weekly payments, the payments would still be considered " late '' by the company. Again I received no notification. I only received a text message during the phone call which I called to see about my account. 
3.Further Policy Change : I was later informed, without any formal notification or communication, that the company would no longer accept monthly payments and would only accept weekly payments going forward. Despite this, my monthly payments matched the total amount of four weekly payments. 
4.Impact : This change in payment policy and lack of notification has resulted in my account being reported as late, and I believe this information has negatively affected my credit report.

As Section 611 ( 15 U.S.C. 1681i ) : I dispute the reporting of my account as late, as it was in compliance with the original payment agreement.

BMG only sent a text message to my phone about account being late, when I called them to check on my account, after making the monthly payment. 

TILA/REGULATION 12-NOTIFYING CONSUMERS Section 12 CFR 1026.9 ( c ) - Change in Terms : This section requires that creditors notify consumers in writing if there are significant changes to the terms of a credit agreement, including interest rates, fees, or payment schedules.

Timing : The creditor must provide a notice at least 45 days before the change takes effect.

Notice of Change : The notice must explain the nature of the change and its effective date. If the change involves increases in fees or interest rates, the notice must be sent in a clear and conspicuous manner. 

12 CFR 1026.9 ( a ) ( 2 ) - Changes to Credit Terms : This section specifies that a company must notify the consumer in writing at least 45 days before making any changes to the terms of the agreement that would increase the cost of credit, such as raising the interest rate or changing the payment terms. 
This ensures consumers have the opportunity to review and respond to significant changes to the terms of their credit agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX    XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Notice to remove all fraud alerts and freezes on my account. 

AFFIDAVIT OF TRUTH AND FACTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Experian ConsumerInfo.com , Inc., Experian Consumer Services ( ECS '' ), XXXX XXXX XXXX, XXXX XXXX, CA XXXX or Experian XXXX XXXX XXXX, XXXX, TX XXXX the information is inaccurate and false. 
I have made phone call and online requested by way of your website as to the inaccurate information thereto and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX or XXXX XXXX. I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX  XXXX  I am not a XXXX XXXX XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my XXXX  heritage as an XXXX XXXX XXXX XXXX  and nothing more nor less. 

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

Hello I am currently a customer with Chase and I have been using their XXXX Quick Pay services since last year XXXX. I have been sending money to an individual ( Mrs. XXXX ) monthly since XX/XX/XXXX and all of my transactions have been successfully completed until XX/XX/XXXX when Mr. XXXX asked me if I had sent the money ( {$400.00} ) I had the confirmation numbers and screenshots of the payments that I sent but Mr. XXXX had not received the money. I called Chase and they asked for me to open up a claim so they could investigate what happened. After a couple weeks I called back to follow up and Chase stated that there was no error on their part since the person registered with that phone number was an individual with a completely different name Mr. XXXX and I stated to them that the person that was registered with that phone number was Mr. XXXX and not Mr. XXXX so I asked how is it possible for XXXX to allow two individuals to register with the same phone number that should not have been allowed by XXXX that should of raised red flags on XXXX  system but it did not so my money was sent to Mr. XXXX instead of Mr. XXXX the real owner of the phone number that I had used for the past year. I have sent Mr. XXXX payments for the months of XXXX, XXXX, XXXX and XXXX and he has received all of those payments successfully but the payments for XXXX where deposited into Mr. XXXX account who we believe was being fraudulent. I have called Chase and XXXX and no one is willing to help me. I have proof that I entered the correct information on all of my transactions Chase claims since I authorized the payment their is nothing they can do to help me, but I do not see how that is my issue that XXXX lets multiple people register with the same phone number I have no control over that I sent the payment like I always do and XXXX failed to flag that second account that was opened and allowed my information and money to be sent to an individual that I do not know. Chase and XXXX have failed to help me with this matter and I have no where else to turn too. Chase had credited back my account the {$400.00} initially while they did the investigation but came back and reversed it since they said it was " customer error '' and I went to their branch and showed them that I had correctly imputed the phone number that I did not see how I was to blame for it and my issue was not resolved. Chase and XXXX have dropped the ball when it comes to the security of customers accounts. XXXX should not allow multiple people to register with the same number because they are compromising established customer information. Please Help.
Product: Mortgage

I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by Child Support Enforcement that all the erroneous information would be deleted off my credit report. The account should say close and paid in full.
Product: Credit card

On XX/XX/year>, a total of XXXX unauthorized transactions were debited from my Cred.ai account, depleting it almost to its entirety within minutes. I contacted the XXXX Police Department and filed an offical report. I also filed a dispute with Cred.ai and provided them with a copy of the police report. 

The way Cred.ai works, is you have a credit card and you have a deposit account with a bank. I make deposits into the deposit account, and Cred.ai automatically makes payments, as needed, in a timely fashion. This system is meant to help establish a credit profile with fiscally responsible habits exhibited. 

The bank marked the associated charges to my credit card as not needing to be paid until the conclusion of the investigation. The funds are currently residing in the deposit account, but is not available for me to access. 

Cred.ai provided the following explaination : -- -- -- - " The Dispute Team actively manages this process to ensure resolution within the timeframes required by applicable law ( no more than 90 days ), and they may contact you if additional information is needed. 

To ensure the disputed balance is excluded from your credit card interest and payment calculations, a balance adjustment in the amount of the disputed balance has been added to your credit card statement. This adjustment will be listed as Other Credits in the Account Summary details on your credit card statement for the month in which your dispute was made. 

To ensure your Safe Spending Services function as intended, the funds in your deposit account associated with the disputed balance will not be made available in your Available to Spend balance during the investigation of your claim. '' -- -- -- The issue at hand is : I have requested several times for Cred.ai to make these funds available to me, either through credit availability or by refunding my deposit. I live paycheck to paycheck and can not pay my rent or my bills due to this. Although I did give Cred.ai permission to apply payments to my credit account on my behalf, I did not give Cred.ai to move money wherever they want to, for whatever reason the think is fit. The intent of the provisional credit is to not hold me responsible for the unauthorized charges, and to mitigate harms that it may have caused. This is being circumvented by Cred.ai illegally misappropriating funds that they have no right to be accessing. 

Cred.ai refuses to remedy or respond to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING, LLC LOCATED AT: C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ON XX/XX/XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF XXXX AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, LVNV FUNDING, LLC HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient promise to fix my last payment over 6 months ago. I asked over and over again for this company send me the documents re : posted late payments. Navient promise to fix the mistaken last payment posted on my credit report. They never send me anything concerning this matter. My credit reporting has drop due to these unverified last payments. Now that the payment are paid and closed it should not still reporting negatively on my credit report due to the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlight of significant issues with the platform. Dispite using Zelle numerous of times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that resolving lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users venerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXXXXXX  ) as supporting evidence of my identity theft claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit card

I have a Citi Double Cash Card with Citibank. On XXXX XXXX, I made a payment of my full balance by check ( image attached ) XXXX XXXX XXXX, I cancelled the check, fearing it had been lost ( since it had not been credited to my account ), and paid my balance electronically. On XXXX XXXX, Citi mistakenly debited my account for the second payment, instead of crediting it. On XXXX XXXX Citi credited my account for their mistake, but still did not give me credit for my second payment. From that point, I called Citi 's customer service 25 times trying to get a refund for my excess payment. Finally on XXXX XXXX, I was told that the matter was resolved, and that my second payment would be credited to my account and refunded to me within 48 hours. I then requested to close my account on XXXX XXXX. I was told it would take 2-3 business days to receive my refund. I have since contacted Citi several times, and I am continually told that my refund will be issued within a few days. It has been nearly a month since the original promise was made, and I still have not received my refund.
Product: Mortgage

This is simply unbelievable. Chase is servicing my home loan and I'm completely blocked out at this time from making any payment including additional payment to principal I'm being charged interest on my loan while I'm being blocked out of the account. Chase needs to be fined for this and scrutinized more closely by the CFPB
Product: Credit card or prepaid card

Greetings, In a nutshell, on XX/XX/2022 our Fifth Third Bank Perferred Credit Card was charged {$1700.00} XXXX in XXXX, XXXX for a {$12.00} XXXX taxi cab ride. Minutes after returning to our hotel, we were alerted by an email from Fifth Third asking if it was suspicious or fraud activity... I called immediately from our hotel phone ( a {$7.00} XXXX call by-the-way ) and told the bank representative it was indeed fraud. 
She immediately cancelled our card and said a new one would be mailed to us .I told her to also cancel the charge or put it " on hold '' and she said she could not until it went from pending to posted. I said to her " that makes no sense. '' She assigned a case number which is XXXX. 
The charge was to " XXXX XXXXXXXX XXXX XXXX XXXX '' and we were staying at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX. 
The next day after returning back home to XXXX, Ky I and logged into our account and saw the fraud charge posted so I called again and was told to supply documentation showing our correct hotel... .I gave them a copy of our bill for our stay ( from XX/XX/XXXX until XX/XX/XXXX ) including the phone charge to call. 
Now more than 6 weeks later, the entire fraud charge is still listed with even an interest charge added to it. 
This is not right, we responded immediately and told them it was fraud and it should have been taken care of just like fraud problems we have had in the past with XXXX XXXX XXXX XXXX and once with a XXXX credit card that were rectified right away by those institutions. 
Please contact Fifth Third Bank and find out why a fraud charge is still being expected to be paid. 
I can supply any documentation needed. 
Thanks, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ky XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank charged me {$2.00} after a payment in full was paid. The said charge was not sent via email statements as it was not a " charge '' leading to issuance of a statement. I was further charged with a 30 day late, 60 day late and I assume a 90 day late on my credit. I have the statement and recorded call wherein Comenity cleared the outstanding balance and stated the charge was correct due to XXXX balance. My credit score dropped XXXX points IN THE MIDDLE of a vehicle purchase. My interest rate doubled from 5 % to 10 % directly related to this issue.
Product: Credit card

I am writing to address an issue with an overcharge on my Chase credit card account. On XX/XX/year>, I used my Chase credit card to pay a total of {$1500.00} for two XXXX XXXX XXXX XXXX of the XXXX XXXX XXXXXXXX XXXX ) was not working properly, so I disputed the charge of {$740.00}. After over one month, XXXX eventually resolved the issue so I contacted Chase to remove the dispute and I authorized the payment of {$740.00}. 
However, I recently received letters from XXXX stating that the payment for {$740.00} was not received and my account was sent to collections. To avoid collection and a mark on my credit report, I made a second payment of {$740.00} on XX/XX/year>. 
As a result, I have now paid a total of {$2200.00}. The total charge for both phones was {$1500.00} so I essentially overpaid by {$740.00}. I kindly request that Chase credit my account so the total payment out of pocket is {$1500.00}. I've attached XXXX receipt and Chase register with associated payments to XXXX. 
.