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

I am sorry that this is the only way I know how to contact you in order to get a response. Please see prior communications with US Bank / XXXX CFPB and myself for prior details ( also attached ). 

I opened a US Bank Business checking account and fulfilled the terms of the offer XXXX earlier this year. I was surprised to have been told that bill payments that were initiated from my checking account are somehow not qualifying transactions. I am seeking clarification on why using the desktop " Bill Payments '' and " Pay Bills '' options from my checking account are not considered " XXXX XXXX '' transactions for the purposes of this promotion. 

When logged into my checking account online ( screenshot attached ), the " Bill Payments '' and " Pay Bills '' options are what were used to initiate payments for credit card bills during the time period of the promotional offer. It seems that US Bank 's manual review of these transactions are classified as " online and web payments '' -- so what is a " Bill Pay '' transaction that would qualify under the terms of the promo, if it is not a payment of a bill initiated from the " Bill Payments '' -> " Pay Bills '' option from the account? This is a misrepresentation of the offer terms if there are somehow two types of paying bills- one which is a promotional qualifying transaction, and one that isn't. 

As a longtime US Bank customer, I am asking for at the very least a good faith credit for this promotional offer. I clearly read the terms and fulfilled them based on what any consumer would understand " XXXX XXXX '' to mean, and I still maintain that the transactions are valid based on the offer terms.
Product: Money transfers

Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by XXXX XXXX XXXX XXXX. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In XX/XX/2020, Capital One closed my credit card account due to inactivity. I have had my Capital One credit card for 10+ years and have a flawless payment history never missing a payment and always paying off the balance each month. The only reason I even knew about the closure was because of credit monitoring. I called Capital One to reopen the account and I was told it was company policy to not reopen credit card accounts. I was also told that a notification was sent a few days before the intended closure date. In reality, no notification was sent and there is no documented company policy regarding account reopening.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Product: Student loan

I applied for the income based plan in XX/XX/2018. My application is still pending. I have spoken with over 10 different people whom are telling me something different each time I call. I have followed all the instructions given to me yet my application is still not approved. They told me to make a payment for at least {$5.00} in XX/XX/2018 and after then I should be fine. Well now I have a payment due for over {$500.00} which I can not afford. Now they are trying to offer me another courtesy forbearance stated by XXXX. I told her why should I have to keep adding more money to my account along with more interest and make things worser on me in the long run. These people play a lot of games and this just makes me sad or regret I ever went to school. I was told that this was my fault for filling out my application incorrectly. Something needs to happen but im not going to stop until someone hears my voice! Im reporting to everyone who will listen even if I have to contact a lawyer, mayor etc.
Product: Debt collection

This sloppy collection agency retained by XXXX is attempting to collect a petty debt in the amount of {$5.00}. The attached scan copy clearly shows that this was PAID by XXXX in the amount of {$5.00} on XX/XX/XXXX, further, it will show an EOB for a office visit on XX/XX/XXXX, the claim was underpaid by XXXX for {$5.00}. The claim was reprocessed on XX/XX/XXXX for the additional {$5.00}. I notified this medical group NUMEROUS times, always, being reassured that it would be taken care of!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed dispute letters to the three major credit bureaus because some things are not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy. These accounts are not complete and accurate. Also XXXX sent me a stall letter saying they weren't able to identify my identity when I put everything I needed on my dispute letter. 

It's been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subsection ( g ). the company must conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

They also violated 15 USC 1681i ( 5 ) and 15 USC 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I closed the credit card account due to hideous customer service. There is a credit balance of {$7.00} in the account. I have asked the company to refund me the credit balance numerous time via internal secure messaging. I have had no response to my request. I sent a final demand for payment letter to the company via USPS Mail with tracking. I have had no response from the company.
Product: Credit reporting or other personal consumer reports

My credit report shows unauthorized hard inquiries, which contradicts 15 USC 1681c-2. Please rectify this issue by removing the inaccurate entries.
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 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 or in a timely manner. They informed me that recovering lost funds was impossible and that tracking these transactions was unmanageable. The CFPBs findings indicate Zelle has not only neglected to protect its consumers but has allowed repeated offenders to exploit the system, leaving us users vulnerable to scams. With no help whatsoever from Zelle we are left baffled and disappointed with this institution.
Product: Student loan

I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?

2. After completing 9 monthly payments will my loan be out of default?

3. Was all of the necessary documentation received.

4. If not, what else is needed from me in order to complete the process for loan rehabilitation?

5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?
Product: Credit card

Comenity Capital Bank 's clerk made a mistake with my XXXX payment check. The mistake invalidated the check and I was charged {$170.00} for fees and interest because their terms state they are not responsible if their clerk makes a mistake when processing the check electronically. My bank verified that the check was valid and was not a Stop Payment as they have stated. Their clerk apparently tore up the check. They reported that they gave me a partial refund of the {$170.00}, but to date I have received no written evidence of this. They refused to send me my XXXX bill because there was a credit. When I asked for the bill to date, they stated they will not be sending it until XXXX XXXX -- about a month from now. There is no communication as usual. I sent my check to them on XXXX XXXX and it was received on XXXX XXXX, which is not late. The bank verified the check was valid, but they keep insisting it wasn't and hide behind their terms that state that they are not responsible for clerical errors when the check is processed electronically. The customer also has no say over whether they want it processed electronically. They have not communicated to me at all since I made my initial complaint. They have told you that they gave me a refund, but I have not seen it nor did I get any bill at all in XXXX and will not see one until the first week of XXXX. Finally, since their clerk did process it incorrectly, i feel the entire amount of {$170.00} should be refunded.
Product: Credit card or prepaid card

I closed this credit card with Wells Fargo on either XX/XX/XXXX or XXXX of this year. The account was closed after a significant number of issues with extremely poor customer service. I went to a branch office here on XXXX XXXX in XXXX Colorado. I specifically asked to be able to pay any outstanding balance. To the best of my recollection I paid with cash. I specifically gave instructions not to accept any more charges. I would resolve any charges specifically with merchants. I went home and threw away the credit card. Weeks later I continue to receive mailings and phone calls indicating I owe a balance and late fees. Attempts to resolve the issue with Wells Fargo have been met with continuing confusion and poor customer service.
Product: Debt collection

Many times within the last five years I have disputed this with portfolio recovery associates. I have asked them to prove that I owe this debt. All they sent me each and every time was four pages that showed amounts from $ XXXX- {$1600.00} which I disputed. I asked portfolio recovery on many occasions to send me from day one anything that shows that I purchased something, a signature card where I had signed for something. They have not provided me any information that I have asked for. And the funny thing is I asked them on XXXX XXXX XXXX and they had an answer for me on XX/XX/2021. Even though I dont owe this amount of money I have offered to settle with them for {$500.00} if they are willing to take this off of my credit bureaus all three and they have refused. My complaint is that they are not thoroughly investigating Any of the debts that I owe. That is my complaint and if I dont get this resolved by you Im taking them to court and I am suing them for XXXX figures through my attorneys XXXX and XXXX. They have ruined my credit reputation, they have not done their legal fiduciary responsibility and Im sick and tired of calling them and have them being rude to me telling me that theyre going to sue me at threatening to sue me and they never do so I hope you people can certainly help me out. Thank you
Product: Checking or savings account

With all of the fees that banks charge customers these days, I was shocked by this latest one. Truist charges a service fee to customers/businesses for making too many deposits at one time. The treasurer of our homeowners association deposited all of the HOA annual dues checks that he received in XXXX at a Truist branch in XXXX, and Truist then charged us a ~ {$8.00} service fee for that. Are you kidding me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out of Selling & Sharing of My Information Dear TransUnion, I am writing to formally request that you cease the selling and sharing of my personal information with third parties. I value my privacy and wish to exercise my right to opt out of such practices. 

Please consider this letter as my official request to opt out of any and all selling or sharing of my information, as permitted under applicable laws. I would appreciate confirmation that my request has been processed and that my personal information will no longer be sold or shared, and this opt-out should not take 45-90 days Thank you for your attention to this matter. 

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

IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A XXXX REPORT.
Product: Checking or savings account

I tried opening an Account on XXXX and after i sent the trust certificate in 3 times. the bank each time sends the same message., '' Thank you for submitting the required documentation to complete your account application. Unfortunately, the documentation submitted for your account was illegible or insufficient and, therefore, could not be processed. '' I know the CFPB has authority over the banks and to fine them. as the CFPB has done many times previously. 
Probate code 15100.5 says they are not allowed to ask for any more documentation on the trust except the trust certificate. I had an attorney make this trust and the certification. so that I would not make any mistakes. 
and then get it notarized. the certification is a standard form all attorney 's use. the bank is asking me to make another certification which is the banks form and that is against the probate code. why would I have to pay an attorney again to fill in the banks form?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX