23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A charge of {$520.00} from " XXXX '' was entered on my USAA Credit Card on XX/XX/2016. I attempted contact with the merchant and was unsuccessful. [ The 'merchant ' is listed on the url as " XXXX '' with which I have no affiliation, nor have I ever purchased or donated to them. The phone number associated with the 'merchant ' is : XXXX. Reverse Lookup shows it belongs to one XXXX, IL XXXX. I do not know this person ... In the meantime, on XX/XX/2016 I contacted USAA to dispute the charge. Though the charge was reversed, at that time, it reappeared on my XXXX statement. I contacted USAA again to dispute and was told that their investigation was 'unable to determine why you believe the transaction is not valid ' [ This in a letter which I subsequently received dated XX/XX/2016! Attached ] I contacted USAA again to dispute the charge on XX/XX/2016. They, in turn, XXXX a replacement credit card and again gave me 'temporary credit ' for the charge.They also agreed to have someone from their fraud department contact me, within 48 hours, to further discuss the issue. The phone call never happened, but I did notice in checking my statement balance on XX/XX/2016, online, that they had reapplied a credit of {$520.00} to my account. That was the THIRD time ... To my dismay, anger actually, I checked my statement balance online again on XX/XX/2016 and found that the charge was again on my account. 
I have contacted USAA on numerous times in attempts to resolve this issue and frankly do n't know where to turn from this point as those contacts have proven fruitless!
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Please send your written response to my address written above.

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided.

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal Kindest Regards, Below is a summary of the Collection data in which I am challenging : XXXX {$4900.00} XXXX {$4900.00} XXXX {$11000.00} XXXX {$11000.00} XXXX account. 
These accounts are reporting various inaccuracies and illegal activity such as multiple illicit charges offs reported monthly. 
Credence resource {$110.00} This is a result of fraud. Ive never done any business with this company.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. Here is the item I am asking you to verify as accurate ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX
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 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 and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I transferred a balance to Chase Slate in the amount of {$1000.00} and chose to enroll in autopay from there website. After receiving confirmation that the auto pay was accepted i then found out that, due to data entry on the credit card company 's, part they did not accept my bank account number. They called me and told me there was a problem with the auto pay and my bank account was not accepted. They then told me to go back online and reconfirm that the data was correct. After i confirmed that my information was correct and paid the minimum amount due, the next month i received a statement telling me that only the minimum amount was due in the amount of {$30.00}. I then, at the same month and time frame received a recorded phone call from the company telling me i am delinquent on my account. When i called to inquire about the situation they told me again that my bank account was not accepted, that i was over the limit and also three months behind on my payments. 

I once again whet online to only confirm once again that my information was correct. I aslo confirmed that they discontinued my card and reported me for late payment to the three major credit report agencies. 

Also, after i paid the late amount and total amount due that was behind, the next day i was informed by the auto phone with the company that i was still late. When i asked and inquired if they reported me for no fault of my own, the response was they were having problems with there computer system. 

I would like to report three accounts of fraud : 1. Sending a false or inaccurate monthly statement that stated only the minimum amount was due when they then informed me that i was three months in the rears. 
2. Reporting me to the credit report agencies for late payment when they admitted they were having problems with there computer system and the error was clearly on their part. 
3. Misuse of personnel information : my bank account number and intentional data entry error and/or gross negligence, in attempt to collect more money by falsifying the amount do with the intention to collect more money from me.
Product: Debt collection

I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to HP Sears Collection. This account appears on my credit report inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. 

I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.
Product: Credit card or prepaid card

I called XXXX XXXX regarding to the XXXX XXXX XXXX  card statement that was sent to me ( See Attached ). The credit card statement credited {$160.00} which made my credit balance {$500.00} and approved credit {$500.00}. I also received a reward for {$10.00}. On the website XXXX XXXX has {$100.00} available credit and I wanted them to explain how I spent {$390.00} out of {$500.00} credit ( See Attached ). XXXX XXXX reward system is misleading, false advertisement, credit card fraud and deceptive. XXXX  allowing strangers to use my store credit card? Or rewards? I called Comenity Bank today and the customer service couldnt answer my questions protecting deceptive and misleading practices from XXXX XXXX. The customer service agent wanted me to blame XXXX XXXX customer service, Why? As the XXXX XXXX customer agent tried to explain the available balance {$100.00}, the customer service agent tried to add and subtract that I was credited {$160.00} - {$220.00} ( I purchased ) which left a credit balance of {$100.00}, as you can see that dont add up and it doesn't explain available balance, the incompetent by XXXX XXXX employees is disappointing and troubling and need to be investigated Like I said that dont explain the available balance {$100.00} as if I spent {$390.00}. Not only I dealt with such unprofessionalism, but one customer service agent tries to talk to me about the XXXX! WOW! Why hire workers that cant add or subtract, and very sarcastic and rude, I hung up the phone dealing with such abusive and nefarious behavior. As a XXXX with a XXXX XXXX I despise unprofessional, incompetent and nefarious agents as I experience by XXXX XXXX who hires account managers that cant count and take 3 months to resolve. 
XXXX sent a letter to CFPB and I claiming they would straighten this matter out within 90 days however they proceed with the corrupt reward system which is fraudulent regarding to my purchases, most banks dont take that long to correct an issue. On XX/XX/2018, XXXX XXXX responded to the complaint that their dispute investigations may take up to 90 days to complete, and notification of the outcome will be sent by mail once the investigation has concluded, they are trying to be deceptive with their practices. Its my belief that they are trying to scam me they are not correcting their fraudulent reward system and credit balance. 
I am filing with DOJ, FTC, consumer protection, scam alert and possible court legal options for retaliation. I am sending a copy of this letter to my Congressman, this is a possible scam, also. All my complaints with CFPB will be added to agencies and the court for legal options, also. I believe XXXX XXXX is stalling because they are discriminating against me due to my race and XXXX, no bank takes 90 days and yet still collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetency and retaliation ( because I filed a complaint ) should not be hidden behind deceptive practices. CFPB and XXXX XXXX is not working to correct the issue with my reward points and credit card balance.
Product: Credit card or prepaid card

Last summer, several charges appeared on my Chase United Explorer card. I did not make those charges, so I reported the issue to Chase as fraud. The bank initially credited the amounts, but later reversed its position and stated that charges are legitimate. In the meantime, however, I received new cards because transactions were fraud. These are the transactions ( account No. ending in XXXX ) : XX/XX/19, XXXX - {$24.00} XX/XX/19, XXXX - XXXX XX/XX/19, XXXX - {$1.00} XX/XX/19, XXXX - {$1.00} and {$38.00} The total credit should have been {$100.00}. It seems, however, that some of the reported ( illegal ) charges were credited - just not the above ones. This does not make sense. ( It is possible that some of this was credited, but I am not able to verify the items. There is a letter, though, that definitely, the {$24.00} charge was not credited. )
Product: Debt collection

I have been contacted numerous times within the past 2 years by XXXX XXXX XXXX stating to be the XXXX Sheriffs Office threatening to serve me documents at my place of employment. I have asked several times to verify the debt because it is not mine. They refused to do so and continue to threaten and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX for the amount of {$610.00} the date they opened the account is XX/XX/year>. I have also already obtained an FTC report for Identiy Theft This account is also in collections I found out with a company called XXXX XXXX XXXX
Product: Debt collection

I received a letter from Resurgent about a debt that was purchased by LVNV Funding. I refuse to pay this debt and this debt is disputed by me. I faxed my dispute today XX/XX/2024 to the fax number they provided in the notice they sent. I request that they provide me with proof that they own this debt and the purchase agreement.
Product: Debt collection

: For ; My-CLAIM-is with My-KNOWLEDGE- of The-FACTS ; in ACCORDANCE WITH 15 USC 1692 ( G ) VALIDATION OF DEBTS ; FAILED ; ALL-FINES-UPTO- {$5000.00}, OR 5-YEARS-IN-PRISON, OR BOTH ; OR MORE ; - : False or Misleading Representations 15 U.S.C. 1692e ; - : Harassing or Abusive Practices 15 U.S.C. 1692d, by ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX I ; XXXX ; XXXX XXXX DEMAND ; XXXX XXXX XXXX CEASE-AND-DESIST-NOW. 
: ALL-COLLECTION-ACTIVITY ; By ; XXXX-XXXX-XXXX, XXXX ; IS-FRAUDULENT .
Product: Checking or savings account

Usaa is holding my funds instead of crediting my account. A check from a 401k withdrawal was electronically deposited because USAA does not have regular branches in Arizona. The check was deposited on XX/XX/2020 and I called on XX/XX/2020 and asked why I didnt have my money. They said they were holding it for a week. What? This is crazy no bank holds a legitimate check issued by XXXX  floor a week. I feel Im being targeted by USAA. I should not be denied my money.
Product: Debt collection

Hello, On XX/XX/2023 I sent in a notice for validation of debts to SANTANDER CONSUMER USA. ( All proofs of mailed delivery signed certified mail is included in the documents section of this complaint. ) It has now been 60+ days since that initial letters delivery, they DID NOT provide me with the required information under 12 cfr 1006.34 to validate that I owe any debt. I gave SANTANDER CONSUMER USA an opportunity to cure. They have not responded and they are furnishing my information to the major consumer reporting agencies. 

I'm writing to you to document their default in proving I owe any allegate debt and I am seeking remedy. 

I've attached proof of violations, an invoice, and the specified remedy I am seeking in the documents section below. 

If they do not respond promptly I will have no choice but to file suit. 

Thank you, all information from all presentments from XX/XX/XXXX to today is attached below. 

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

I am, XXXX XXXX submitting this complaint against Equifax and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EQUIFAX NOT WRITTEN CONSENT!!!!!!!!!
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several disputes to all three consumer reporting companies, XXXX, XXXX, and Equifax for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.
Product: Debt collection

When I asked them to cut what I owe in 1/2 the gentleman called me a XXXX XXXX XXXX so asked them to never contact me again and now they are calling my place of employment and harassing me at work.
Product: Checking or savings account

I did not request to open a checking acct ( acct # : XXXX ) with Citybank, nor an ATM card ( XXXX XXXX XXXX XXXX ). I have contacted City Bank since early XXXX to report this fraudulent account by phone, mail, etc. and followed up with City Bank a few times but never received any response from them. On XX/XX/XXXX, I just received another bank statement from City Bank and it seems that they still keep this illegal account under my identity. I need to know when and who opened the checking acct under my name, and why no one from Citybank ever contacted me and verified with me. 
I requested Citybank immediately cancel this fraud acct and ATM card. I want to let you know that I wont use your checking account service as I dont have a plan to do so. Please have an investigation to see who and how this happened and make sure it wont happen again that unauthorized request or activities to my Citybank account.
Product: Student loan

I filed complaint XXXX about CITI BANK and it was responded. Response, however, does not include the correct/complete information in order to pay my balance. The funds I wired according to the information given by Citi were returned. 

I need to know the exact and complete details of the wiring instructions in order to pay the loan. 

I need : Swift, Name of beneficiary bank, ABA number, Account number, Address, City. 
Also, I need the balance in order to repay the loan in full. 

I have called several times and left my telephone number and e-mail. No one responds in the phone numbers given by City ; I have not received any response.
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 - Account # XXXX has violated my rights. 
XXXX - Account # XXXX has violated my rights. 
XXXX XXXX - Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 written consent.