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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

The atm simply did dispense what i requested the amount was {$800.00} and i only received {$20.00} my uber pro card was credited the disputed amount and debited for the disputed amount this been going on for XXXX weeks now about to be XXXX
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 raise serious concerns about consumer safety.
Product: Credit reporting

I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests.
Product: Money transfer, virtual currency, or money service

This happened durung covid about XX/XX/2020. I has just deposited my unemployment back pay check of apx XXXX in my cash app acct and my account greyee out and closed. No info. Was given and i couldnt open a chat or do anything on the acct because it was all greyed out. So i qwnt to XXXX and searched caah app help and in the 1st poaition was caah app helpline XXXX so i called the numbw we and the guy said yea he cpuld help. Instructed me to push some things on my phone and i did and then all my money drained out and the guy hung up. I called bacl ans they calles me a XXXX XXXX  and humg up again. So i contacted cash app through the app and they said sorry too bad. Couldnt give me an explaination why they closes it i. The first place, and why they didnt stop it. I constantly has transactions qhere someone qpuls bw sendinf me monwy and thwy qpuls " block it for my protection* and i qould havw ro jump thepugh hoops ro get my monwy but a foriener depleting my closed acct. Didnt gwt their attention to stop that. How did they know how to get in the acct? How did rhwy get the first spot on XXXX? Why cpuldnt they reverse that transaction? They didbt give mw any answers.
Product: Credit reporting or other personal consumer reports

Addresses and contact information need to be removed, they're not correct.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX. I clicked on XXXX to see if I could prequalify for a credit card. It said it would not hurt my credit score. As of XX/XX/XXXX I was a XXXX, minutes later it sends me an alert from credit karma that a new hard inquiry was put on my report, when I log in my credit score is now XXXX it went down XXXX points. it shouldn't have been a hard inquiry to my credit report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I reached out to SYNCHRONY BANK in regards to my account with them that my credit limit was decreased, I informed them this was unauthorized used of this credit card and that I the consumer received no benefit informed the agent that this is a billing error and I request all and any documentary evidence along whit a full ledger of this account, the agent ignored my request and left the live chat and never acknowledge my request as stated in the live chat with the agent : I am formally giving you notice of this billing error, I the obligor request full file disclosure, additional clarification including documentary evidence for public and private side ( all documents, paper, correspondence, books of account, financial and corporate records, journal and credits of account, ledger and debits of account ). With out the requested documents I the consumer will not be able to clarify and address such subject matter contained in this billing error if the documentary evidence requested is not provided per the law and outside firm will be hired to perform a forensic financial audit for the account utilizing the Bloomberg terminal I expect that you will exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy the agent ignored my request and failed to answer or acknowledge my request and left the chat
Product: Credit card

On XX/XX/year> I spoke to a person at Avant about a payment settlement. I agreed to make three monthly payments of {$85.00} for a total of {$250.00} for settlement payoff. She then told me I need my first payment that day to enter in to the agreement, so I made the {$85.00} payment on XX/XX/XXXX and she sent me a contract and I disagreed with it because it said XXXX XXXX and XXXX I would make the payment and I said what about my payment today and she said that is included they give an extra month just in case something happens. And now Avant is telling me that first payment was just a payment and not a part of the contract so I'm out that {$85.00}. although on XX/XX/XXXX I went on my account through their app and it showed I only owed {$170.00} xx and now it changed to the full amount when I looked at it XX/XX/XXXX. So this is the day I called them and they're telling me that my first payment that I made was not being used for the settlement so now I have three more payments that I have to make. I asked them if we could be listened to that phone conversation on XX/XX/XXXX and they said they will look into it. That is not fair that the settlement lady was on truthful and they're saying my account app didn't ever show a different amount. I want them to stand by the agreement that they made with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX credit card in the last 6 months. So XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.
Product: Debt collection

All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement
Product: Mortgage

The lender never served notice to the borrower. The co Borrower and the borrower have been divorce for 5 years. The Co borrower has sent in documents asking for a modification and was just told the package was not completed. They are now claiming that the missing information is from the borrower. There was an email sent to the co-borrower on the XX/XX/XXXX. In this email there was no mention of a deadline. The co-borrower was advised the missing information was current pay stubs and banking information. After this information was put together the Co- Borrower was told they would process in 3 days- The same day when the co-borrower called again- he was told the full entire package needed to be receive 30 to 37 days before the date of the sale. 

The first company is XXXX XXXX- now there is a company called Loan Care- The main contact person XXXX has yet to reply to an email, phone call or messages. Every time we call we are told a different story. 

Also- there was a notice mailed from Loan Care- stating a payment - that was to start in XX/XX/XXXX. When asked if this was the modification- NO ONE would give us an answer. There was no indication of the loan amount- terms.. JUST a new Payment to start in XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I was charged {$16.00} interest by American Express on a {$680.00} balance for 6 days. American Express agreed that it should only be {$2.00} but they charged me for the whole billing period. American Express charges 22.49 % but, because they use the entire billing period, the actual interest rate is 10,909.55 % according to XXXX. The supervisor calculated it herself and said I should have been charged {$2.00} based on their disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I request a payment arrangement online for HOA dues to XXXX XXXX on XX/XX/2022. For which, I received a confirmation. I made a {$50.00} payment in early XX/XX/2022. Upon preparing to make an additional {$50.00} in XXXX, I received a notification from Dunlap Gardener law office of a pending action to start the lien process. XXXX has refused to acknowledge the online payment arrangement and has not been responsive to attempts from the law office of the provided arrangement confirmation.
Product: Money transfer, virtual currency, or money service

I sent a zelle to the wrong person and I was not able to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Went away to art school, purchased an international phone plan and was charged anyway. Multiple attempts to dispute it and was not receptive to the communication problems that the sales rep and I discussed. Debt was not properly discussed and international wireless plan was not communicated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Product: Debt collection

I reviewed my credit report last year XXXX and discovered a collection listing from Transworld Systems , Inc. I sent a debt verification letter dated XXXXXXXX  requesting validation of the debt on XX/XX/XXXX The post office receipt of delivery confirmed that someone at Transworld Systems , Inc received and signed the letter on XX/XX/. I also called the post office to confirm the receipt of the letter. As of today, XXXX Transworld Systems, Inc have not responded to my debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  I had requested to get my free annual credit report. I was denied of getting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Also you are not reporting Fair and accurate reporting to my consumer report.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Consumer Financial Protection Bureau 1700 G St. NW Washington , DC 20552 XX/XX/XXXX Dear Sir or Madam, I am writing to report an invalid practice or potential fraud by Bank of America ( BOA ) related to the withholding of a {$200.00} reward bonus. 
In accordance with the attached offer letter ( Attachment 1 ), I was informed by BOA that I would be eligible to receive a {$200.00} cash reward upon making at least {$1000.00} in net purchase by XX/XX/XXXX. As per my records, I made a purchase of {$77.00} at XXXX on XX/XX/XXXX ( Attachment 2 ), which contributed to my net purchase amount exceeding the specified threshold at {$1000.00}. This was based on the cumulative total of {$1000.00} before XX/XX/XXXX. XXXX, ( $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$1000.00}. 

However, it has come to my attention that BOA has altered the transaction date for this purchase to XX/XX/XXXX, as indicated in a monthly bill from BOA ( Attachment 3 ). This change in transaction date has resulted in my failure to meet the spending requirement for the reward bonus. It is essential to note that the purchase with an expense of {$77.00} took place on XX/XX/XXXX, and the order was received from XXXX on XX/XX/XXXX and XXXX, XXXX. 

I have diligently communicated with BOA on multiple occasions, engaging with representatives at both BOA headquarters in Texas and the local BOA branch at XXXX XXXX, XXXX, NY XXXX. I wanted to provide them with evidence of my purchase ( Attachment 2 ) and expressed my concerns. Unfortunately, my requests have been denied twice, and I have been informed that BOA intends to conduct its own investigation into the matter. However, the responses I have received have been unsatisfactory and have merely stated that I do not qualify for the {$200.00} cash rewards bonus ( Attachment 4 and 5 ). 

I am seeking the assistance of the CFPB to conduct a thorough investigation into BOAs invalid practice or potential fraud. It is my hope that your expertise and intervention can help rectify this matter and ensure that I receive the rightful {$200.00} cash bonus that I am entitled to. 

I am fully committed to cooperating with any inquiries or requests for additional information from your esteemed agency. Please feel free to reach out to me if you need any further details. 

Thanks so much for your attention to this matter, I am looking forward to hearing from you. 

Sincerely, Attachments : 1-5
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, BarclayCardUS reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like BarclayCardUS to remove these late payment reports. If they are unwilling to do so, I would like BarclayCardUS to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the Barclay account and the dispute resolution, and two printouts from bank statements showing the payments.
Product: Credit card

I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.
Product: Credit reporting

I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE.