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

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt XXXX U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!
Product: Student loan

I have called XXXX XXXX student settlement XX/XX/XXXX about the settlement notice they had sent me in the mail about the XXXX XXXX XXXX fileing XXXX XXXX bankruptcy and they had to close the school on XX/XX/XXXX and they said i was supposed to get my refund back from XXXX i was a student there because they closed XXXX XXXX XXXX in XX/XX/XXXX and i did, t get my refund back like they said I the notice they sent me in the mail about that and most of they need to be investigated for telling me lies about getting my financial aid refund back for the the credits I have on file with the us state government and federal financial aid office as soon as possible or be held accountable for it in the highest court of the law.
Product: Money transfer, virtual currency, or money service

I have been using PayPal for more than three years to receive payments of services which I offer to my client.On XXXX XX/XX/2019, PayPal permanently blocked me using their services and also held my funds.After their said 180 days elapsed they sent me an email indicating I can withdraw my funds.The problem started when I tried withdrawing my money with no breakthrough. I sent them direct messages which I can share with you if need be.I tried their XXXX handle with no help.I kindly ask you help me get my funds from PayPal.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX
Product: Checking or savings account

In XX/XX/2019, I opened a MoneyLion checking account under their Pave the Wage promotion, which was to pay a 17 % bonus ( up to {$590.00} ) on the first Direct Deposit to the account, as long as conditions were met - Direct Deposits had to be maintained to the account for 90 days after the initial at at least 90 % of the amount of the initial DD. I opted in to the promotion through the MoneyLion app but did not receive any confirmation of having opted in, so I called and confirmed that I was opted in. On XX/XX/XXXX, my first DD of {$2800.00} posted and for the 90 days following, I had regular DDs of at least {$2500.00}, meeting the terms of the promotion. According to the terms, I should have received a bonus of {$480.00} at the end of XX/XX/XXXX/beginning of XX/XX/XXXX - 90 days after my first DD + some processing time. I began contacting MoneyLion on XX/XX/XXXX and have been given the runaround since, with excuses and vague answers to my emails and phone calls. They say that funds are still processing, or that I never opted in and they have no record of my phone call checking that I was opted in. They also have no record of several other calls I made over the last few months regarding general checking account maintenance, so agents are clearly not logging all calls. In fact during my last call, I was told that there was no record of the call prior, which was rather long and involved the agent supposedly looking in-depth into my bonus situation. After that last call, the agent escalated the issue, but that was a week ago and I've heard nothing since, despite checking in via email after several days. 

I would appreciate help in having MoneyLion honor their commitments and not try to lie and lack of documentation their way out of treating customers as they promised.
Product: Checking or savings account

I am writing to file a compliant against Navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Concerning XXXX CitiBank credit card. I paid the balance on my credit card account in full in XXXX XXXX. CitiBank proceeded to charge me {$0.00} minimum interest in XXXX, then charged fees every month thereafter without notification. 

After contacting CitiBank to close the account, they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
Product: Debt collection

This agency has three collections listed which I do not owe, I have requested many times verification and received nothing with evidence of these. XXXX XXXX XXXX {$1200.00}, {$1200.00} and again {$1200.00} all three are listed on my personal credit file.
Product: Prepaid card

I used myXXXX Gift card at a gas station to get gas. It was declined twice. It had {$82.00} on it. I tried to use it later at XXXX, it was declined, with a {$0.00} balance. I called customer service to find out where was the money. They told me it wouldnt be returned until the XXXX of XXXX. I have to wait 9 days. The rules on internet said money would be returned in XXXX days if you make a mistake and swipe the card at the gas pump. 9 days is a long time. I paid {$5.00} for the card. I should have access to the money that i put on it. I feel this is a scam by XXXX. There are XXXX of complaints on the XXXX complaint page that are just like mine. This bank is robbing people. We need justice. Please help. Thankyou.
Product: Credit reporting or other personal consumer reports

The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that Im being punished because of these mistakes.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXXXXX Acct # XXXX Previous Complaint # XXXX I am sending additional information regarding the monies stolen from me during this transaction. XXXX, the dollar amount was incorrect after going back over our Mortgage XXXX paperwork we discovered well above {$200000.00} was stolen. As stated in complaint : XXXX we place a contract on our current home XX/XX/2021 and closed XX/XX/2021 because of the lack of communication and staleing on the behalf of XXXX XXXX XXXX XXXX became very irrate when he was called of asked specific questions and because I chose to pay off Approximatly {$100000.00} in debt after we sold our home on XXXX XXXX XXXX XXXX in XXXX day in XX/XX/2021. We wrote the contract as a XXXX month rent back. 

However, we were kicked out of the home with a XXXX week notice because my realtor XXXX XXXX who became friends and business partners with XXXX XXXX was giving incorrect negative information to the purchasers of our home where we were renting. After examining thee Mortgagse summary we noticed only {$30000.00} of the gifts monies was on it howerver we also was gifted {$20000.00} were there is no documentation of it. 

Additionally, As I informed you we had to stay in a hotel XXXX for XXXX weeks on our dollar because of the failed lack of a contract or a interest rate being locke in XXXX XXXX locked the interest rate a day or XXXX before we closed. However, we were never asked if we agreed to buy down a high interest rate of XXXX XXXX to XXXX XXXX. After speaking with another mortgage broker and showing him my mortgage summary documents. I understand this was to be disclosed to us and we shoul have sign a document agreeing to a high rate interest rate. We didn'nt however XXXX XXXX and XXXX XXXX together put this entire scnerio together att to make us lose the home by giving us a sub-prime mortgage which has just been transfered the third time through financial institutions. 

We had to go to a hotel and the sellers allowed us to place our things in the new home garage because XXXX XXXX told them the loan was'nt going to close. We got this information directly frorm the sellers and the husband told me he threatened XXXX and cursed him out and have choose not to deal with him because he said he was a lyer and not on our side during our purchase. Food and hotel was approximatly {$4000.00} which needs to be added to the other stolen monies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions.

Account Name : FIRST PREMIER BANK ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX
Product: Credit reporting or other personal consumer reports

Company/Date : XXXX XXXX XXXX XXXXXXXX Company/Date : XXXX XXXX XXXXXXXX Company/Date : XXXX XXXX XX/XX/year>, XXXX The company 's listed above I noticed unauthorized inquires on my credit report.
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 several 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but 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.
Product: Credit card or prepaid card

I am writing with all respect since I believe that you are the right people to help me solve the financial problem that I am facing, due to the negligence of the same CITI BANK employees, hoping that justice will be done to me with the credit card from your entity, which I have been using it for approximately 22 years, and it was canceled, without any reason, so this is my complaint that I have been doing for about three months, without anyone from CitiBank giving me a valid excuse All this harassment began on XXXX, when I requested to stop the automatic and / or recurring payment that I had been making from my checking account # XXXX to the credit card account : # XXXX On XX/XX/XXXX, an official of said entity, XXXX is his name, told me that he would take charge of solving the problem, either by stopping or stopping the automatic payment of the same card, without at any time mentioning that what I was going to do was REVERT THE PAYMENTS or something similar. And, on the other hand, I NEVER requested a refund or reversal of payment ( s ), which has just aggravated the situation. 

On the same XX/XX/XXXX, I got another letter with dated XX/XX/XXXX where I was notified that my CREDIT CARD WAS CANCELED DUE THE BAD MANAGEMENT, that as you can see, when the mishandling could have occurred, if it had not even been able to use it again because the employees to the bank had blocked it many months before, and I didnt a chance to defend myself, nor the opportunity to correct or clarify the mistake made by the Citibank people, much less make the payment that was required so that the credit account was not closed. - On XX/XX/XXXX, I got 5 letters dated from XX/XX/XXXX, the same month, so very intimidating, where the bank accused me to committed fraud!! and I must to pay immediately!!, For all this above and for what my rights have been trampled on, I request you the following petitions : 1- My credit card account mentioned above is reopened. 

2- My credit report is not affected. 

3- It tells me how I make the payment of the balance of the credit card in question. 

4- Justice is done by restoring my rights.
Product: Debt collection

To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called XXXX XXXX XXXX saying that they represent Citizens Bank. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a Citizens bank account which was paid off on XX/XX/2017 according to my XXXX  report. And the account with Citizens bank   is XXXX. I also checked my credit report that shows my Citizen bank  education account was paid off already. I had tried calling this company with no person picking up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Product: Debt collection

There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX  ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both XXXX and TransUnion. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

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

Hey, While I was looking on my credit report and I see TransUnion is reporting XXXX XXXX XXXX charge off account as open when its closed. Second, I noticed The balance is {$15000.00} but TransUnion is reporting {$15000.00}. This is a serious violation and illegal to report inaccurate information. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian credit report and noticed that my personal information is incorrect, resulting in fraudulent and unauthorized accounts being listed under my name. As a victim of identity theft, my information was misused, leading to these false entries that I have no connection with. As advised by Experian, I promptly filed a report with the Federal Trade Commission ( FTC ) and provided all necessary documentation. Despite these efforts, the fraudulent accounts are still appearing on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems report which I believe does not belong to me. The following account is erroneously listed, and I request a full investigation into this matter. It appears that this account may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX XXXX  AccounXXXX XXXX XXXX XXXXXXXX This account is not mine, and I have not authorized or opened it. I am requesting that ChexSystems conduct a thorough investigation into this account and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my U.S. Passport - A copy of my ChexSystems report - A statement affirming that I did not open or authorize this account ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame.

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Jefferson Capital has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.