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

This complaint is being filed because of the constant non-compliance of Equifax. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/XXXX I mailed a letter to Equifax challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX I recd a response dated XX/XX/XXXX stating account had been verified belonging to me and has been updated. I wrote another letter and mailed it certified to Equifax on XX/XX/XXXX to Attn : Dispute XXXX I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX  and XXXX against XXXX XXXX System XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX XXXX. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Please note the so call verification was done on XX/XX/XXXX but the letter sent supposedly to credit reporting agencies for deletion of the account is dated XX/XX/XXXX. Why was it verified and updated by Equifax when XXXX XXXX XXXX XXXX XXXX XXXX XXXX had already sent a request for deletion. Why is this account still on my credit report? When I sent proof, it should be deleted.
Product: Credit card or prepaid card

I called the US Bank Credit card number on XX/XX/2019 to see about lowering my interest rate ( now north of 23 % ). I asked them if they would change my card to a platinum card instead of a travel rewards, that way they can still make money and I save some. The usurious rate that they are charging should be illegal. 23 % I so much that I couldnt possibly dent it properly. Im not asking them to close the card, Im asking them to not charge an arm and a leg, specially when rates right now are so low. It seems completely abusive and I believe the cfpb needs to be made aware of that these big banks are doing to their regular consumers. They said no. That there was no invitation for me to lower my rate right now. I explained how it would be smart to do this cause I could get a balance transfer and terminate my relationship with them. They still said no. They will charge me 23.99 % on a {$14000.00} balance. Which is fantastic for them! They keep this up Im positive they will be the new XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously contacted Experian as well as XXXX XXXX XXXX about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XX/XX/XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XX/XX/XXXX and finally to XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX XXXX XXXX as well as Experian to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX      Installment loan  for {$5000.0 0} I Applied a nd they denied.   They denied me because of limited  Credit Experience .   They only applied for a installment loan when i wanted to apply for them all.   Due to redlining and the  Homestead Act  i feel their practicing those discriminating acts on me.
Product: Credit reporting or other personal consumer reports

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

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation.

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

Wells Fargo... I had an account with {$5100.00}. I didn't need the account so I went to the banl, got a cashier check, and told them to close the account. They told me I would have to come back to the bank again. I mailed them my last statement, told them I wothdrew all my money, and to CLOSE the account ... in writing. Later I get a call from someone saying they can't close the account. They want me to come back to the bank again. I told them again... I withdrew all the money ... close the account... for the third time. 
Today I get a statement with the account still open, and a {$10.00} charge for a " monthly service fee ''. Apparently Wells Fargo doesn't want to close the account so they can try to bill me a {$10.00} charge every month. This is ridiculous. I know Wells Fargo made news doing something funny with accounts in the past, signing up people unknown and got a big fine. Now they just don't let you close your account. I only wrote one check per year to keep the account active, and account that I had no use for.

Wells Fargo should not be in the banking business. Tell them to close my account and cresdit any false charges due to their not closing the account. Fine them. They act like criminals.
Product: Credit card or prepaid card

Credit Card Product : XXXX XXXX XXXX. 

First Issue : This card has a " Round Up '' Program where they will round up your purchases to the nearest dollar, add to your account balance, and send that extra " rounded up '' amount to your XXXX  account. The terms explicitly state that there will be no interest charged on the rounded up amount. However, if I made {$500.00} of purchases, and had {$200.00} rounded up ( for a total balance of {$700.00} ), if I paid the {$500.00}, the credit card would still charge me interest! 

Second Issue : They previously had a program where you would get a 15 % bonus on all your rounded up amount. I made purchases on this card relying on this 15 % bonus. I got a notification at the end of XXXX that starting XX/XX/XXXX, they would be discontinuing the 15 % bonus. When I checked my latest statement ( ending XX/XX/XXXX XXXX, I did not receive the 15 % bonus for any of my purchases in XXXX. It was a change to the rewards program that was retroactive and without notice!
Product: Checking or savings account

I opened Citibank checking account in XX/XX/2022 and I transferred a total of {$15000.00} from my XXXX XXXX XXXX. A week after I opened my account, Citibank decided to close my account and accused me of fraudulent activity. I provided the approval of the fund and all of the documents to Citibank but in early XXXX, they decided to close my account. I have never received any mail, email, text, call, or information regarding my bank closure. I found out this information because I keep calling and visiting their branches. They promised me to send a check within 60 days but they just sent me {$200.00} and the rest of the {$15000.00} I haven't received it until today which is over 3 months already.
Product: Debt collection

I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor.  Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee).  Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed out of {$300.00}. I've reached out to XXXX because Zelle app is linked to my XXXX bank app, and they said I needed to settle this outside of XXXX. I've filed an online complaint about the scam through Zelle as well and have heard nothing back from Zelle directly. The situation was I am selling a piece of furniture on XXXX XXXX. The purchaser sent {$200.00}. Then I received an email from what looked to be Zelle stating that I have a pending payment of {$200.00} but I need to request an additional {$300.00} to create a business account. Supposedly, the sender sent the {$300.00} and I was to refund this {$300.00} to the sender and show proof to Zelle. I sent the {$300.00} from my bank account to this person. After that, I received another email stating I needed to send an additional {$500.00} to another person at Zelle for a Certificate Fee. The email addresses all ended XXXX, for both the person buying the couch from me and the person at Zelle. This is when I realized it was a scam and did not send the additional {$500.00}.
Product: Checking or savings account

my old account with TD bank was opened online and was open with another accout with my name on it and i have no knowledge of it just recived oso checks in the mail then when to TD bank and they was the one who told me it was open online XX/XX/2021 with another account in my name cause they tranfored monet y from other accout to open the accout with TD bank. and i would like to press charges when we do find the person behind this please and thank you.
Product: Money transfer, virtual currency, or money service

I have waited the 180 days policy for Paypal. They are holding my money and not giving me a email to how to release. Paypal closed my account for know reason, i would like to be able to retrieve my funds. I would like them to fox this situation because i reached out past the 180 days.
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, Navy Federal and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

This was my very first interaction with Zelle. I had to take a personal loan out because it was a security deposit for the house we were going to rent. I was told " Its like a transaction using cash, once its gone, there is nothing we can do. '' XXXX XXXX
Product: Credit card

A global complaint was logged under my account with American Express travel team on XXXX XXXX. The global complaint was regarding a cancellation of my parents flight ticket accidentally done by the travel team. 

I was informed on XXXX XXXX that the global complaint was resolved and the travel team of American Express has accepted their mistake and was going to issue me a check of XXXX $/-. 

As of XXXX XXXX I have still not received a refund check.
Product: Debt collection

In XXXX, I contacted Sears regrading my situation and told them that we got affected by hurricane Harvey and would like to see if they can assistance us in any way or shape. I told them that we are living in FEMA assisted hotel and my employment got affected by hurricane Harvey, so the customer representative at the time told me that he will try to help us. Upon checking in their system they told me that they have Fema program going on with which I wont have to worry about my both Credit Card payments until XXXX and I can start my payments at the somewhere around at the end of XXXX XXXX and that 's what I have been told couple of time. Then recently, I got call from Citi bank and the customer representative told me that my accounts have been past due from 60 days in which I informed him about our previous conversation that I have with several customer Representative. So he told me that the program was for only two months which I was n't informed about and ; So I try to justified my point tell him that I was informed about about the program was till XXXX XXXX and I can start my payment around end of XXXX XXXX so he told me that he was sorry about the misinformation. So I dont think that several Representative giving misinformation and still reporting it to my credit bureau. I still receive consistent calls about my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and did not realize this until I received an alert. I have since filed a police report and disputed this information with the bureaus and have had this removed from all other bureaus. However, TransUnion has declined my attempts and claim that this has been verified but yet has not provided any proof of to show where they have verified through the physical verification of the original signed consumer contract. I also demand to exercise my right pursuant of 15 USC 1681 ( a ) under section ( b ) where it states that anything that was extended or authorized for a credit card should be excluded from my credit report. This should not be reporting on my credit and is unfair that I have been put through so much to have this inaccurate account removed. Specially being that a police report has already been filed. I spoke to several agents and have sent letters in regards to this inaccuracy with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked Experian, XXXX, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with Equifax as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on Equifax and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, XXXX, and Equifax regarding the account [ ACCOUNT # ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, XXXX reports {$0.00}, and Equifax reports {$320.00}. 

This discrepancy violates XXXX ( a ) ( XXXX ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( XXXX ) : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but XXXX and Equifax fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous Payment History Reporting : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting 30, 60, and 90-day lates. 

Equifax 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and XXXX list a credit limit of {$600.00}, but Equifax lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second part of my previous complaint which I have received a secured message from Transunion that they have made some corrections. However, I did not see anything regarding the two adverse reporting accounts that Transunion has repeatedly been reporting after numerous attempts requesting method of verification which Transunion has failed to provide. The only thing I get from Transunion is a very fast reply letter usually within 10 days saying the account is verified, along with something about using a credit repair company, or we have already investigated but they never did. Also, when I try to correct this, I immediately get blocked out of any online access, and when I try to call their XXXX # I put my SSN # in the phone just hangs up. This has been extremely aggravating. On XX/XX/year>, I sent XXXX XXXX XXXX XXXX a certified letter return receipt requesting information regarding these accounts and XXXX XXXX XXXX XXXX did not respond at all. At the same time, I sent Transunion a certified/return receipt letter regarding these accounts. This has prevented so much in my peace of mind, financial opportunities, cost, time, energy, etc. etc. etc...
Product: Prepaid card

First off, I want to say that every experience I have had with Blackhawk Network products has been a disaster and wo n't ever purchase another of their gift cards/prepaid cards etc. 

I purchased multiple Reloadit packs and placed the into the Reloadit safe as required by their company. From the safe the money can be transferred onto a debit card. 

They disabled my safe with money inside and then re-enabled it, wiping my entire transaction history and my funds inside. {$420.00} and all records of past transactions were gone.
Product: Credit card or prepaid card

I got this message from Discover. 


As a result of a recent review of the Discover it account referenced above, we will be closing your account as of the date of this letter or shortly thereafter. 

Keep in mind, any purchases or transactions made will still be posted to the account. However, the decision to close your account is final. 

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Length of time revolving accounts have been established I have revolving accounts that are more that is XXXX XXXX XXXX, using XXXX of XXXX of available credit on all accounts. Yes there was no activity but they never allowed me a change to increase the account activity. This now has a negative impact on my credit score since an account with history has been closed. How is this acceptable with the consumer not being given a change to rectify the issue.