23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In early XX/XX/2019 I was booking airline tickets to visit my dad in a XXXX home in NJ, I live in CA. There was a promotion on the travel website offering an immediate discount on the ticket and waived bag fees if I opened and paid for the ticket with a Bank of America charge card. I followed all directions and when it came for the decision of granting the account, Bank of America could not at the moment. I ended up using a different charge card and received no discount. I received a letter from BOA with a phone number to call. I did so. The call lasted 30 seconds. They just wanted to confirm my address. Ridiculous. They ultimately sent the charge card in the mail. I opened up the envelope and read through the initial tri fold which contained the card. There was no mention of an annual fee. I never called to activate the card. I was not happy with the process. I never used the card. Still attached to paper. Anyway, it has come to my attention that BOA did charge me a {$75.00} annual fee for a card I never activated, used, or received any benefit from. In addition, apparently I have been two months past due on the annual fee I never knew I would incur. My credit score has sunken 81 points. I pay all my bills on time. I called over to BOA today to get this straightened out. I spent 47 minutes on the phone only not to get a decision or assurances that my concerns of credit reporting would be addressed. 
I looked at the documents that came with a card from XXXX XXXX, prominently and intelligently placed was an explanation of fees, including listing the annual fee ( there was none ). I went through the BOA envelope. This time carefully. On page 7 of the " Agreement '' packet, BOA lists the annual fee in not too shocking, same font as everything else. It is not prominent. The fee is not listed anywhere else in the packet of information accompanying the actual charge card. I feel BOA has purposefully obfuscated pertinent facts. How come XXXX can be upfront in how it presents important information? And yet BOA, which is a massive bank, surely knows the benefit of hiding a deal breaking annual fee. On face it makes the card look better when the fee is hidden. I want BOA to cancel all charges on the account. I want BOA to be responsible for the negative impact on hard worked credit score. I want them to pay me for the aggravation, the higher costs of borrowing due to their erroneous reporting. I want BOA to issue an apology and change their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account Nissan motors and paid XXXX I made the payment and was advise that it would be removed and deleted from my account. It has been posting in good standing prior to payment. In XXXX it was now reporting as bad debit charge off.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
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 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Trans Union several times to certified mail to verify that the debt stated that they are reporting on my credit report is in fact mine. I have not received any verification or original contract saying that I am the original debtor. Trans Union has refused to send me verification yet they Knowingly continue to report this debt on my account. The alleged debt is not mine.

Trans Union is in violation of laws 15 USC 1692 a 5 1692 C 15 US C 1692c a 15 US C 1692 d 15 US C 1681 a 15 US C 1681 n 605 a Ive called XXXX and was denied form of verification. 
I was told by the supervisor at trans union named XXXX XXXX that the lender did not provide verification, and he still refused to delete.
Product: Checking or savings account

In reference to XXXX Contacting XXXX was not correct to submit complaint to ... see their response beloe " Customer Support XXXX XXXXXXXX XXXX  ( 38 minutes ago ) to me Good Morning XXXX, To protect investors and ensure the markets integrity, XXXXthe XXXX XXXXXXXX XXXX XXXXis a government-authorized not-for-profit organization that oversees U.S. broker-dealers. We work every day to ensure that everyone can participate in the market with confidence. XXXX is authorized by Congress to protect Americas investors by making sure the broker-dealer industry operates fairly and honestly. We oversee more than XXXX brokers across the countryand analyze billions of daily market events. 

XXXX regulates broker dealer firms and representatives within the U.S. securities industry. A broker dealer is in the business of buying and selling securities stocks, bonds, mutual funds, and certain other investment products on behalf of its customer ( as broker ), for its own bank ( dealer ), or both. If your issue is not conducting this type of activity, then XXXX would not be the appropriate regulator. 

Thanks, XXXX Customer Support ''
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX 2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase my own insurance separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many Disputes to Equifax concerning an account with XXXX XXXX XXXX, XXXX XXXX XXXX  has always verified information about this account. I have contacted XXXX XXXX XXXX Bank to request a Payment History and XXXX XXXX Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an Equifax credit report dated XX/XX/XXXX, Equifax Confirmation number is XXXX. The account number in question is XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
According to the report from Equifax the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error XXXX ). By law FCRA, Section 609 and 611, XXXX XXXX XXXX  and Equifax are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Product: Bank account or service

About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15  days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30  days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Credit reporting or other personal consumer reports

See document attachedThis is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB   portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 experian XXXX and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did experian, XXXX  or XXXX notify me within XXXX  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Product: Prepaid card

I received an AMEX digital gift card from a friend. 
The gift card was a Resy-branded American Express gift card delivered electronically.

Advertising for this gift card says that it can be used virtually everywhere American Express Cards are accepted in US. 

I have found that it is virtually not possible to use this anywhere. XXXX, XXXX, and even XXXX 's online payment system do not accept this card. Amex Gift Card customer service phone line ( automated phone answers only and no human agent ) answers the question on this issue with the fact that online purchases can only be made with businesses that do not require the billing zip code. I so far can not find any businesses that are willing to accept a card that does not have a billing zip code. I also do not have a physical card, so can not seem to use this in other merchants. 

Everytime I try these vendors, there's a pending transaction of 10 cents that is returned after several days. I have spent more time trying to figure out how to use this card with extensive online research and a review of their FAQ -- which describes additional places where this gift card may NOT be used versus where it can be used. Without the physical card, and without the ability to register this card on resy.com as my payment method, I also have no idea how to leverage their own online instructions to use this gift card at a XXXX restaurant -- where this gift card is branded off of -- by paying using their " QR '' code.

I will keep trying, but it seems like AMEX does not want gift card recipients to ever utilize the amount that was meant to be used by the gift giver. This is an absolutely horrible experience by AMEX.
Product: Money transfer, virtual currency, or money service

*Initiated a transfer of {$50000.00} USD to the account of a friend in XXXX XXXX XX/XX/XXXX via Transferwise. 
*While the transferwise website indicated that the transfer was complete after 3 days the money did not arrive in my friend 's account *Upon contacting Transferwise, they indicated that the money was being held by their intermediary agent in XXXX was requesting additional documentation on the reason for the transfer. The transfer was to cover costs associated with our construction of a family home so we provided our land title and info regarding the source of funds. 
*After many inquiries and approximately 10 days delay, we received a notification from Transferwise that the money was rejected and returned. The website requested routing and account info to transfer the money back to me. At this time I provided info for the exact same XXXX brokerage account from which the original transfer came. 
*After several days the money did not arrive in the XXXX account and upon inquiring again with Transferwise, I was told that they can not transfer to a brokerage account. 
*Subsequently I provided them information for a bank savings account under my name. 
*I then received a request for documents showing from where the original funds came from, so I provided that even though there own records should have shown that it came from XXXX XXXX 
*Now 3 days have passed and I have bot received the funds back into my XXXX account and customer service is now longer responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset to see the below items still showing there as negative. I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.
Product: Student loan

I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXX stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Transunion is breaking the law by reporting this information even though it can not be verified properly XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Student loan

The Account was given a Forbearance thru the Months of the end of XXXX due to COVID ... My Credit was hit with a late payment for XXXX ... That's incorrect if the account was already in a Forbearance ...
Product: Credit reporting or other personal consumer reports

CFPB Complaint Template Requesting Deletion Your Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Complaint Details : I. Type of Complaint : XXXX XXXX XXXX XXXX. Company Name : [ Credit Bureau Name ] ( e.g., XXXX, Experian ) XXXX. Account Information : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX Summary of the Complaint : I am writing to address significant inaccuracies in my credit report for the account above. These errors have severely impacted my ability to obtain credit, loans, and favorable interest rates, violating my rights under the Fair Credit Reporting Act ( FCRA ). Notably, XXXX has already removed this account from its credit report due to these inaccuracies and discrepancies. 

Discrepancies : XXXX. Account Status : XXXX : Closed Experian : Paid XXXX. Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. XXXX XXXX : XXXX : XXXX Experian : XXXX XXXX XXXX XXXX Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX These discrepancies hinder my access to fair credit opportunities. 

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Requires consumer reporting agencies to conduct a reasonable investigation of disputed information. The inaccuracies in my report demand urgent correction.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g : Ensures consumers have the right to an accurate credit report. The current discrepancies violate this right and hinder my ability to obtain credit.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations in connection with the collection of a debt. Reporting inaccurate information can be considered a violation.

4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 : Aims to promote fair, transparent, and competitive markets for consumer financial products and services. Inaccurate reporting undermines this objective.

5. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 : Requires clear disclosure of credit terms to ensure consumers can make informed decisions. Inaccurate credit reporting affects these disclosures.

Desired Resolution : I request the removal of this account from my credit report. Attached are a screenshot of my credit report and proof of XXXX removing this account for your reference. 

Attachments : Screenshot of my credit report Screenshot proof of XXXX removing this account Thank you for your prompt attention to this matter.