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

I am writing to express my concerns regrading Zelles handling of disputes particularly in the 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 revering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, XXXX, Equifax, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Product: Debt collection

I scoured my credit reports from the big XXXX XXXX, XXXX and XXXX, I noticed there was a collection account from Portfolio Recovery Associates, I opened a " file a dispute '' with XXXX the collection account from Portfolio was removed from my report. I have been receiving phone calls from them them for days at all hours of the day. I've asked them to stop but to no avail. Most recent call was today at XXXX XX/XX/14 while Im at work. The most recent phone number from Portfolio was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my JetBlue credit card with Barclays for 7 years and not used it in the last few years why I canceled my credit card in order to save USD XXXX annual fee. Barclays then persuaded me to keep the card because of the benefits Jet Blue would offer. Upon reactivation, my auto payment feature has been somehow disabled, resulting in my USD XXXX annual fee not being paid. Since my monthly statement did not reach me either despite paperless statement ( got also disabled ), this amount was overdue. At no time did I know that this amount was overdue. This resulted in a significant drop in my credits score. I have reported this to Barclays and also to XXXX which then reached out to Barclays. Despite all this information, my credit score has not been adjusted accordingly yet. For a XXXX who is struggling to build a credit score, this is hard to accept. I disputed on the XXXX website again, send this complaint here and won't give up before I am not treated the right way here. Thank you.
Product: Bank account or service

I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.
Product: Credit card or prepaid card

My Capital One Walmart Rewards card ending in XXXX had a {$0.00} balance in XX/XX/2022. Since then, charges and credits have appeared on the card that I have not authorized.
Product: Debt collection

I received an email from TrueAccord, a debt collection agency, regarding an outstanding balance of {$640.00} with XXXX XXXX XXXX, which I believe is a mistake as I am not the debtor. I have no record of this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account XXXX XXXX XXXXXXXX 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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXXXXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. It is listed below. 
XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.
Product: Prepaid card

On XX/XX/XXXX I tried to use this card to buy water, food and to pay for a public transportation pass and for all of them they got declined I called them up and they said just try another store so i did and no matter that i did it didn't work no matter what where i went and no matter how much money i had spend on the card.
Product: Mortgage

I sold a property with a mortgage held by XXXX serviced by XXXX ( https : //lakeviewloanservicing.myloancare.com/ ) on XX/XX/XXXX. 
The loan payoff made was {$170000.00}, though only XXXX was due on XX/XX/XXXX resulting in an overpayment of {$210.00}. 

Due to a cybersecurity incident, XXXX serviced by XXXX was unable receive or process payoffs. Please reference https XXXX XXXX  for information on the incident. 

Due to this, XXXX did not apply the payoff to my account until XX/XX/XXXX and charged me for 4 days of additional interest totaling {$29.00}. 

I contacted Customer Service on XX/XX/XXXX and was informed that due to the cybersecurity incident, their systems were still down and they were unable to review information, so please call back tomorrow. 

On XX/XX/XXXX I contacted them again and was told that they could see that the loan was paid off on XX/XX/XXXX and that they would open a ticket to review the account. 

On XX/XX/XXXX I contacted Customer Service and I was told that the payment date was when the payment was received. I challenged this as their inability to receive payments should not make me liable for additional interest. The representative had a just deal with it attitude until I said that I would file complaints with the CFPB and my states AG if he didnt take it seriously. An escalation ticket was opened to review the account and I was promised a response within 10 days. 

On XX/XX/XXXX I contacted customer service as a response was not delivered within the committed timeframe. The first representative stated that the ticket was closed, but after being passed to a second representative I was told that the issue was still under review. I asked when I should expect a response since the initial commitment was not met, but she refused to provide any form of a timeline. 

At this time I have not received any of the overpayment of {$210.00} back.
Product: Checking or savings account

One day a few years ago I was at a restaurant and Chase put a block on my account. They then closed my account without telling me why they closed my account. In XXXX of 2023, I paid {$250.00} for a settlement at the XXXX XXXX Ohio branch. I opened a account again at the Chase location and they sent my debit card and everything, However when I was in XXXX, FL the next week. Chase closed my account again. I never done anything bad with chase and I wanted to open a business account for my restaurant as well and Chase is telling me that I can't get another account with them but no on will tell me why. Chase is sending me emails of credit updates but will not let me log into the account but my information is in their system. I am wanting to speak to an executive or someone to see how to I can get my account back or another account along with opening a business account for my restaurant.
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 XXXX XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a claim against Navy Federal credit Union regarding multiple overdraft fees I inquired despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. 
This is a line with the recent CFPB findings Against Navy Federal for similar practice.
Product: Debt collection

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is TRANSWORLD SYSTEMS I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : TRANSWORLD SYSTEMS I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXX 
LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

TRANSWORLD SYSTEM HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST TRANSWORLD SYSTEM AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Product: Debt collection

I.C. Systems claimed to have spoken with me in XXXX  about a medical debt. No recollection of such call. Company claims they sent a letter to a California address Ive never lived at and dont understand why they would send one to California when I live in New York and have lived in New York for almost 20 years. I.C. Systems placed a collection account on my credit report and claims they followed U.S. law by sending a letter to a unknown address to claim that the consumer was notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Product: Credit card

On my credit reports it is showing me as an authorized user on a Home Depot Card account. I contacted the person I believed was responsible for the account, and they were unable to locate my information as an authorized user or to remove me from the account. 

I have attempted to call the Home Depot credit card information numbers- but it never allows me to speak to a person, and I am required to have the primary holders personal information for an account to be pulled up. 

I have never had access to a Home Depot Card, never had access to an online login to see, spend, manage or access information on any account. 

I am unable to contact the creditor due to everything being behind protected behind automated phone walls and a requirement of having account information and details I have never been privy too, and I am completely locked out of gaining any insight or access to this account. 

As an authorized user I should have the right to see information, access and manage accounts and communicate as appropriate. 

I have no dealings with this account and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally contacted all three credit bureaus ( EQUIFAX, XXXX AND XXXX ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only XXXX has deleted inquireries and inaccuate account information from my file. While XXXX  and Equifax insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX