23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, a cash app card was forwarded to my new address from my old address. The Cash App card has my name and old address on the letter. I did not create this account. I attempted to log into the account and was asked through the app if I was in possession of an email address that is not mine. I contacted Cash App that same day to advise and whom I suspected started the account. Cash app advised the account will be investigated. In the meantime, on XX/XX/XXXX, my relative attempted to send {$60.00} to me and mistakenly sent it to the fraudulent account. Cash app was notified and advised to request a refund of the amount. My relative requested a refund and did not receive a response. On XX/XX/XXXX I received a response from cash app that the account had been closed. 1 ) I would like a refund from cash app be sent my relative 2 ) I would like to know how can someone create an account with my personal in formation.
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to present I have sent various letter to Transunion, XXXX, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. Transunion, XXXX, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

Transunion, XXXX, and XXXX have not complied and I am requesting action or demanded compensation.
Product: Debt collection

-I was sent to collection by XXXX XXXXXXXX due to outstanding balance. 
- I cancelled my internet service in XX/XX/23. I have receipt of cancellation from that date. 
XXXX had my account setup on autopayment. I have proof of auto-payment setup. 
-The balance was never charged to my account. 
- I never received any mail/email from XXXX regarding any owed debt. 
- The charge was for an early termination fee. This fee was never communicated at the time of termination. 
- XXXX customer support guaranteed that collection account will be removed from credit report once debt is paid full. 
- Became aware of collection account through a credit report from a mortgage company. 
- XXXX owed was paid in full once I became aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I have disputed XXXX XXXX with XXXX  and Experian, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX  ( Original Creditor : 10 XXXX XXXX ) XXXX** therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Product: Credit card or prepaid card

I Have always paid my credit card, but recently I lost my job. My payments were rather high for my target account, so I wanted to check the account since I knew I couldn't owe that much since I had not used my card and last time I made a big purchase was in XXXX I believe to buy my then boyfriend a TV. My bill was at over {$700.00} bc of late fees when I checked. So I went back in my statements and saw that in XX/XX/XXXX a payment was returned. I have my account set to auto pay, which adjusts and should have made that payment in XXXX as well as the returned payment. My autopay is not the same every month, it adjusts according to what is due. I was not notified of a missed payment and my auto pay kept going while target was charging me {$40.00} in late fees every month. When I spoke to someone in XXXX she just kept trying to make me make a payment, while I was asking her to explain why I should be responsible for these late fees if the system had not adjusted the payment. She was not helpful at all, and just kept saying it was my fault and claiming she could not see payment history or statements back that far. If she really couldn't see that, she should have found someone who could instead of blaming me and demanding a payment. I could understand if it was a fixed payment but it changes every month. I do not feel I should pay over {$900.00} for fees when my card should have been paid off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 2 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX/XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX equifax XXXX XXXX XXXX equifax XXXX XXXX  XXXX  equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX only equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX/ XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX   XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX at Transunion XX/XX/XXXX about an investigation of fraud by Transunion betweenXXXX and XX/XX/XXXX whereby I as consumer have had my federally consumer rights violated by Transunion in conspiracy with furnishers who have breached consumer trust unfairly in violation FCRA confidentiality and right of privacy in the misuse of my good name in effort to profit off my trade mark and this has negatively impacted consumers credit worthiness, credit standing, credit capacity, character, general reputation. 
Transunion alleges to have investigated my concern but refused to provide written evidence by written authorization. 
Transunion has in conspiracy refused produce evidence of written consent or by what authority requires disclosure without consumer consent and in effect accepts liability of misuse of my property. see 31 CFR 1.32 ( c ) and 15 USC 1; 15 USC 15. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08. 
Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ). 
Transunion in conspiracy with furnishers to an elaborate mechanism has deprived my right to extend credit under color of law alleging whether authorized or not the consumer has no protected right to have information deleted from third parties as defined at 15 USC 1692c ( b ) respecting their privacy and confidentiality as expressed at 15 USC 1681 by Transunion. 

see attached complaint and FTC report dishonored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have requested a dispute against the count XXXX XXXX XXXX that was sold to XXXX a collections agency, I paid and settled this item And asked all credit bureaus to update This item as no longer negative But paid / Settled All the other agencies except for Experian have complied with my request to correct the issue Experian continues to leave it incorrect Showing still owing when I have sent proof That it is paid and settled Im contacting the CFPB to help me in this matter Thank you
Product: Credit reporting

The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported it to them. Equifax stated that they verified this information with The US Bankruptcy Court, which is a blatant lie, therfore this Bankruptcy on My Equifax Credit Report must be deleted permanently from my Equifax Credit Report.
Product: Credit card or prepaid card

On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?
Product: Debt collection

On XX/XX/XXXX I made a furniture purchase from Raymour & Flanigan in XXXX, NJ. The total of the purchase was {$7100.00}. This amount allowed me to participate in a 36 month no interest financing promotion. XXXX months later I made a second smaller purchase on the same line of credit for approximately {$300.00}. This purchase was made through XXXX XXXX XXXX 's website because XXXX had shut the physical stores down. My account was set up on Auto pay so my account was always paid on time and this was confirmed by the financing company TD Bank. After 8 months of timely payments I then received a notice that my account was charged all the back interest. This is not the promotion I signed up for. I was told multiple times by the Salesman ( XXXX XXXX, XXXX, NJ ) that I was under a 36 month no interest promotion. I contacted both Raymour & Flanigan and TD bank numerous times in attempts to have this resolved before it spiraled out of control. Each time I tried I was either transferred repeatedly or thrown on hold with no head way made at all. My account went into collections in XXXX of XXXX and was eventually charged off in XXXX of XXXX. During XXXX I was attempting to rectify this situation so I could repair the damage it had done to my credit and as stated earlier I was unable to get anything accomplished. All I am looking for is to have the derogatory marks taken off my credit file and all late payments removed from my report. I am willing to pay exactly what I owe to this company MINUS the inappropriately applied interest. I understand my financial obligation to Raymour & Flanigan and also TD Bank so I do not dispute the principal owed to them. I am simply requesting that the error committed by them be taken care of in a satisfactory and timely manner. This has caused me and my small business unnecessary stress given the toll it has taken on my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXXXXXX XXXX XXXX  for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against XXXX XXXXXXXX XXXX XXXX for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting. 

Complaint Details : XXXX. Failure to Provide XXXX XXXX  Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX XXXX XXXX XXXX is required to issue a XXXX to me and the XXXX. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and Tax Fraud : XXXX XXXX XXXX XXXX is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a XXXX was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX XXXXXXXX XXXX XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : XXXX. Confirm whether a XXXX was issued for the cancellation of this debt and provide documentation. 
XXXX. Immediately remove the debt from credit reports if a XXXX was issued, as it has been canceled. 
XXXX. Cease all collection or reporting activities unless validation is provided. 
XXXX. Provide all documentation related to the ownership, transfer, or sale of the debt. 

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I met the spending requirements for a new card bonus ( Savor ) within the time required, counting the time I actually had the card. However, it was not '3 months from signing up ' as the card didn't get to me until a month after I signed up. I also had to get a second card along the way because of a ( false positive ) fraud alarm. In summary, I spent more than double the minimum spend requirement within 3 months of having the card in my possession, but it was 3 months and a few weeks since signing up online. 

First week of XXXX : I called customer service about the issue. ( I thought they resolved it, but they didn't ). I asked to speak to a manager, they were unable to resolve and told me I was speaking to the most senior person in the company I could talk to on the phone. 

XX/XX/XXXX : Emailed CEO XXXX XXXX and XXXX XXXX, Head of Card Services XX/XX/XXXX : Followed up with above after no response. 

XX/XX/XXXX : Emailed XXXX XXXX ( President, Financial services ) and XXXX XXXX ( President, Retail & Direct Bank ) with CC to XXXX XXXX XXXX Still zero responses ( from anyone ).
Product: Debt collection

I have just been notified twice by Jefferson Capital that I owe XXXX {$370.00}. The bill shows I ( you paid ) {$1.00} on this account, XXXX account number XXXX and JCS reference number is XXXX, AND I did NOT pay them {$1.00}! They state this is for an account between XX/XX/XXXX and now. I have not had a XXXX, usable XXXX, account since approx XXXXI dont recall exact year and that was paid in full. I phoned Jefferson Capital today, XX/XX/XXXX, and spoke with XXXX or XXXX-I couldnt understand him clearly. He threatened me with my credit bureau accounts and demanded payment. I could barely understand him and he would not listen to me until I said shut up which he did until I thought he had heard me but apparently not- as he continued demanding payment. I did not pay them {$1.00} on this account they say I had in XX/XX/XXXX. It is not my account. I live on social security fixed income and many, many people are targeting us. I will not pay liars and thieves. Please get these harassing people with false claims shut down. Unless you are XXXX, you can not understand how we, as XXXX, are being preyed upon and persecuted. 
Please resolve this issue for me.
Product: Prepaid card

I am writing to formally lodge a complaint against Tomo Credit for unauthorized charges on my card, poor customer service, and refusal to refund funds they collected inappropriately.

Issue Details : Unauthorized Charges : Despite canceling my services with Tomo Credit over a year ago, they have continued to charge my card. To date, they have collected over {$400.00} for a service I do not use and explicitly canceled.

Company Response : I filed a complaint with Tomo Credit last week, and they closed the case with a response stating they are not charging my card and would not provide a refund. However, charges continue to appear on my account, directly contradicting their response.

Financial Impact : The unauthorized charges have caused financial strain, and I feel that Tomo Credit has unfairly benefited from collecting " free money '' while providing no service or justification.

My Request : Immediate Refund : I request a full refund of all unauthorized charges made to my card, amounting to over {$400.00}.

Investigation : I urge the CFPB to investigate Tomo Credit 's business practices regarding unauthorized billing and their refusal to resolve complaints in good faith.

Assurance : I request a written confirmation from Tomo Credit that no further charges will be made to my account.

This ongoing issue is both frustrating and concerning, and I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 questions about the consumer safety.
Product: Credit card

I had an {$8000.00} balance on my credit card account with Citi and have consistently made all payments on time. Despite this, Citi unilaterally reduced my credit limit to {$1000.00} while my balance remained at {$8000.00}. As a result, my credit report now reflects a utilization rate of over 800 %, which has significantly damaged my credit score. I am seeking clarification on the legality of reducing a credit limit to an amount below the current balance, especially when such an action causes severe harm to my financial standing. Additionally, my minimum payment has unexpectedly increased from {$83.00} to {$7000.00}, which appears both unreasonable and potentially unlawful. This sudden and drastic change has had a substantial negative impact on my financial well-being, and I believe it may constitute a violation of consumer protection laws or credit regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and Equifax report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.
Product: Credit card or prepaid card

I have a {$110.00} delinquent balance on a Wells Fargo Secured credit card from over 6-7 years ago. I have contacted Wells Fargo numerous times over the last 3 years to resolve and pay this amount and I keep getting told that they cant pull it up in their system. It is hurting my credit tremendously and Im not sure how to fix it if Wells Fargo cant accept payment from me or find it in their system.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX regarding their unlawful practices in re-aging my collection accounts. They have violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting the dates of delinquency and extending the life of my accounts beyond the allowable limits and reporting inaccurate balances. There are three accounts being reported by XXXX XXXX XXXX purchased from the original lenders in 2018. Instead of reporting the appropriate and accurate dates of delinquency associated with the original accounts, they have unlawfully re-aged and fraudulently used the date they purchased the closed account from the lender as the original date of delinquency. This practice has resulted in these accounts remaining on my credit report for over a year longer than 7 years permitted by the FCRAs statute of limitations. 
Despite my efforts to resolve this matter directly with XXXX XXXX XXXX, they have failed to correct their reporting practices. This has negatively impacted my credit score and financial standing.
Product: Debt collection

XXXX XXXX had me served with Writ and Notice of Suit today XX/XX/2024. Never sent me any documentation before this about account transfers or what my rights are including how to dispute. Account is in the wrong name.