23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to my bank CiTI bank to make a international money transfer to XXXX XXXX for the amount of {$6000.00} XXXX I got charged {$45.00} XXXX for the transaction, the bank told me like is Friday it will be taking around 3-4 business day to get the complete transfer to my bank on XXXX XXXX XXXX On XX/XX/2022 I called to see if the transfer was complete and the bank told me that was missing some information from my recipient on XXXX XXXX, it was, what type of account was, passport number and phone number of my recipient, so I went to the bank to provide the information missing, the banker called the transactions department told him, that nothing was missing that we just need to wait a few more days to get the transaction complete, the next day I notice on my Citi bank account some transfer been made to my checking account for the amount of {$5700.00} dls and went back to bank to ask what was that money coming from they said that my transaction was canceled and the return the money to my account less money of what I sent that was {$6000.00}, and because when the canceled the transaction without letting me know the exchange dollar was less, I very mad with action been made.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are hard inquiries on my credit report that do not permissible purpose would like these inquiries removed. 

XXXX. XXXX ( Bank ) XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXXXXXX XXXX XXXX ( Bank ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, XXXX and Transunion to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

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 the information is inaccurate.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.
Product: Credit reporting or other personal consumer reports

- 15 U.S.C 1681 section 602 A Congressional findings and statement of purpose States i have the right to privacy - 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate.

- 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer - 15 U.S.C 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

- 15 U.S.C 1681n. Civil liability for willful noncompliance, any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. 
Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified 3 ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified
Product: Credit card or prepaid card

I have been calling and corresponding with this company for more than six months to complain that they have incorrectly charged me late charges and accumulated interest charges. On at least four occasions their employees have assured me the charges would be credited or voided, reducing that balance owing to XXXX. Nevertheless, they keep sending me statements showing that charges continue to accumulate. A copy of the latest billing statement dated XX/XX/18 is attached as is a copy of my last written communication dated 6/29/18 as well as my letter of XX/XX/18.

My last call to Citi was on XX/XX/18. The employee I spoke with said her name was XXXX, her " employee number '' was XXXX and she worked in the Escalation and Forbearance Dept. She again assured me the account balance would be reduced to XXXX  and that no more bills or collection calls would be made. Obviously that was a misrepresentation as they are continuing to bill me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa  credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX in XX/XX/XXXX.

Working with XXXX XXXX   Fraud Risk Control Division, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX.

However, on XX/XX/XXXX, XXXX XXXX once again made a inquiry of my credit with Transunion and XXXX  credit bureaus.

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX   explain the nature and purpose of this credit bureau 's inquiry of my account.

To date, I have not received any response from XXXX XXXX XXXX  on my request.
Product: Debt collection

I submitted a dispute, received notice that they received my dispute on XX/XX/22 and yet they keep repeatedly calling my place of work. I have responded to the email request
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

I submitted a dispute to Experian on account XXXX XXXX XXXX, Account number XXXX. 

I received a response from Experian 24 hours later stating that all information reporting is accurate, which tells me that Experian did not follow the law of proper investigation. There is no way that they can complete a proper investigation in a 24 hour time period.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a excellent track record with this card. I pay on time and has no issues. When I make a payment, even though the transaction has cleared and they clearly have the money, they refuse to apply it as available credit, causing my reoccurring payments to decline. They told me they will hold my money and not increase the available credit for 8 days. They are basically floating the money they are getting form me. 

They also ask me my salary level every time I call customer service although they have never increased my credit level. This is annoying.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX  XXXX account ( Account # : XXXX ) on my credit file maintained by Equifax XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : Equifax : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and XXXX report {$380.00}, while Equifax lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while XXXX and Equifax have no data for this field. 
Date of Last Activity : XXXX and Equifax list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : XXXX, XXXX, and Equifax consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( XXXX5 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Equifax : Conduct a thorough investigation of the XXXX  XXXX account inaccuracies. 
Remove all erroneous late payments ( Equifax : XX/XX/XXXX and XX/XX/XXXX ; XXXX and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures. 
I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a bank and can not loan money. They admit that they are not the original creditors. Remove this account from my credit profiles. Notice of dispute
Product: Mortgage

We applied for a mortgage through XXXX XXXX. Chase is issuing the loan. 
Chase refuses to discuss this issue over the phone so we can resolve the issue. 

Based on the actions to date, I believe Chase is taking actions based on my race and/or gender in violation of the Fair Housing Act. XXXX XXXX is a minority, woman-owned XXXX XXXX in the State of California. As stated on my profit and loss statement and balance sheet, the business provides XXXX XXXX XXXX. Chase continues to tie the financial viability of the business to approval of the loan, even though we have demonstrated that there are sufficient personal assets to meet the requirements of the loan and the assets of the business were not used as a basis of the loan.
Chase is holding our mortgage application to a higher and/or different standard due to my race and/or gender.
Chase is effectively denying this loan by drawing out their quality review process far beyond the close of escrow date and their stated quality review timeline of 72 hours. 

A detailed explanation of the situation, buyer 's situation, and requests for actions are in the attachment.
Product: Debt collection

In XX/XX/2019 I traveled to XXXX, one and a half years later I get traffic tickets from my trip. The only way to pay was to wire money to some strange account that I did not feel comfortable with. I received XXXX tickets for {$180.00} each, I told Collection Bureau of America I have no problem paying original amount. When I went on line to print and pay, it stated I owe {$1900.00}. When I called collection agency they did not see this amount owed, it is sketchy. I can send you pictures of documents.
Product: Credit reporting or other personal consumer reports

I did not authorize this information. I have a criminal identity report for unlawful account.
Product: Debt collection

After nearly 4 years of not receiving any contact from XXXX, I am being asked to pay over {$800.00} from a prepaid car rental that dated back to XXXX. As mentioned this was a prepaid service. Once COVID started they harassed me with wanting to pay more after a year had gone by. The appropriate amount was already paid as seen on my credit card statement, which I will attach. From then, I have been receiving many anonymous calls from a company known as Allied Collection Services , Inc . I have asked these callers of ACIS to please mail me any proof regarding what this charge is about and never is there action taken. The company is negligent and unresponsive. Documentation from the caller was never provided and this bill has been directly sent to collections reports. I was able to get it corrected with XXXX back in XXXX, however, now they are pursuing XXXX and XXXX. Not to mention, they have also attempted to sue me and their case has constantly been dismissed. There is nothing supporting their allegations and charges. Therefore, I ask that they stop harassing me and stop pursuing me from fraudulent or misrepresented fees.
Product: Debt collection

They keep calling my phone number over and over saying that there is a serious business matter i must attend to. 

XXXX - Diversified recovery buero
Product: Money transfer, virtual currency, or money service

I am writing a formal complaint to express my concerns regarding Zelles handling of transactions due to the recent CFPB lawsuit which highlights significant issues with Zelles platform. I have used Zelle numerous time and despite my numerous times of reporting issues with the platform saying payments were sent and the recipient notifying me that they didnt receive the funds and many other discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not applicable and impossible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed for exploitation of their system, which left users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX, I Filed A Dispute With TransUnion Regarding A Inaccurate Account Being Reported On My Credit Report ( File Number XXXX ). On XX/XX/XXXX, I Received Dispute Results From TransUnion Stating That This Account Was Verified As Accurate By Primary Creditor. XX/XX/XXXX, I Wrote A Letter To The Primary Creditor Asking There Process In Verifying This Information With CREDIT BUREAS. On XX/XX/XXXX, The PRIMARY CREDITOR Responded Back Via Mail Stating That They Did Not REPORT OR VERIFY ANY Information With ANY CREDIT BUREAS. On XX/XX/XXXX I Attached Both Letters & Mailed To TransUnion Asking For Deletion Because This Account WAS NOT VERIFIED AND IS INACCURATELY REPORTING ON MY CREDIT REPORT. On XX/XX/XXXX I Received Dispute Results From TransUnion Stating Again This Account Was Verified As Accurate. I Contacted TransUnion Via Phone & Asked How Was It Verified If The Finisher ( Primary Creditor ) Doesnt REPORT TO ANY CREDIT BUREAS INCLUDING TransUnion, & Stated I Sent In FURNISHER Response Letter To Prove That. The Agent Told Me She Did See Both My Letter And The Primary Creditor Response & Had To Transfer Me To Specialist. After I Explained To Specialists She Continued To State REPEATEDLY That The Primary Creditor Verified Information But She Could Not Provide Me Proof Of Verification. 

FAILURE TO VERIFY IS A VIOLATION OF FCRA. TRANSUNION WILLINGLY FAILED TO CONDUCT A REASONABLE REINVESTIGATION AND DELETE THIS ACCOUNT ( File Number XXXX ) AS I REQUESTED.
Product: Mortgage

As of XX/XX/XXXX I have not received a 1098 form. I called the customer service number and a recording said that customer service was not available.
Product: Credit reporting or other personal consumer reports

WE HAVE MADE NUMEROUS CALLS AND HAVE SENT NUMEROUS EMAILS TO FREEDOM MORTGAGE IN AN EFFORT TO FIX AN ERROR ON OUR CREDIT REPORT DO TO A PAYMENT MEANT FOR FM, BEING SENT BY OUR ONLINE BILL PAY TO THE WRONG LENDER IN XXXX, THAT WE HAVE ON ANOTHER PROPERTY. WE DID NOT EVEN KNOW OUR MORTGAGE PAYMENT TO FM WAS LATE UNTIL WE GOT OUR FIRST NOTIFICATION FROM THEM VIA MAIL ON XX/XX/XXXX AND WE CALLED AND PAID THEM IMMEDIATELY BY PHOBNE. BY THEN THEY HAD UNKNOWN TO US, ALREADY REPORTED US 30 DAY LATE WITHOUT ANY DUE DILIGENCE TO CONTACT US AT OUR PHONE AND EMAIL THEY HAD ON FILE. WE PROVIDED PROOF OF THE ERROR, HAVE MADE NUMEROUS CALLS TO THEM AND THEIR ESCALATION DEPARTMENT, AND TRIED UNSUCCESSFULLY TO REACH AND GET A MANAGER OR SUPERVISOR TO HELP US,. WE DID OUR PART BY PROVIDING PAPER PROOF OF THE ERROR, PAYING EVERYTHING CURRENT ON XX/XX/XXXX FOR THE ACCOUNT THE SOONEST FM REACHED OUT TO US VIA LETTER DATED XX/XX/XXXX, AND HAVE EVEN EMAILED EXECUTIVES WHO'VE ALL IGNORED US. THEY'VE DONE SIGNIFICANT DAMAGE TO OUR CREDIT REPORT AND HAVE TREATED US POORLY IIN THE PROCESS. THEY SIMPLY NEED TO DO THEIR PART, AND REMOVE THE 30 DAY LATE FROM OUR CREDIT, GIVEN THE ERROR REPORTED AND PROOF OF THE CIRCUMSTANCES WE'VE PROVIDED. WE HAVE HAD NO CHOICE BUT TO CONSULT AND WILL PURSUE FULL LEGAL ACTION IF WE CAN'T GET THIS ERROR THAT THEY CAN EASILY FIX, REMOVED FROM OUR CREDIT. OUR ATTORNEY HAS SENT THEM A LETTER WHICH SO FAR, WE HAVE HAD NO RESPONSE ON. THANK YOU, XXXX AND XXXX XXXX
Product: Student loan

Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.
Product: Debt collection

Multiple dates, multiple times with no messages left. When I answer the call drops.