23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I recently paid off my lendly loan in the payoff amount of XXXX. Lendly requires direct deposit payments and a payment of {$130.00} was sent to lendly on XX/XX/year>. I would usually receive an update on the Sunday that the payment was received and did not. I called and they could not tell me what the refund process was and could not explain why the payment was not posted as a credit on my account. Instead, it shows a XXXX balance. 

Loan number XXXX Paid in full on XX/XX/year>
Product: Credit card

I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.
Product: Checking or savings account

I opened accounts for promotional bonus offer and funded on XXXX. The bonus was for XXXX . You needed to keep on deposit for 60 days and the within 90 days of account opening you would receive bonus. 

Upon calling I was told they are short staffed and its a pandemic and it will take longer. 

I called and asked for a supervisor who said basically it is what it is and I would just have to wait. I asked for a manager and was told someone would call me back. As of a week later no response. The company is still running their promotion so obviously this is false advertising if they were truly behind they would stop the promotion I escalated via email and only received a generic we will get back to, you. I have waited well over 100 days for this bonus. I believe the company is in violation of their promises and false advertising. 

I even called the corporate number and was told no executive can speak with me, I had to submit an email and wait for response. No one has been helpful either with chat or at least 5 phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Credit reporting

Transunion is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Transunion explaining to them that this collection account does not belong to me. Transunion sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Transunion needs to delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on free credit report to get my credit score and it was brought to my attention that there is a mortgage loan on my credit and school debt now I've never took out a loan from these company 's this is the first time I have ever had to go thru this so I dont really know how to fix it. Please help me
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

With Lowes Account numberXXXX XXXX XXXX XXXX, was arbitrarily closed as of lat XXXX or early XXXX of 2020. How do I know this i went to try and buy items for my grill. I had paid the card down at least {$800.00}. But Lowes or Synchrony saying I had to many revolving accounts closed my account. the {$330.00} was interest they had slapped on. and a Service rep has told me that it was just interest and they would 0 it out. later they said I owed between {$180.00} and {$200.00} because their supposed interest is just an estimated amount. I was locked out of my account tried to pay {$180.00} but was locked out and the rep said I could not pay over the phone why because the account was closed now as of XXXX they say I owe {$550.00} which is fraud interest fraud late fees and fraud statement. This card was closed by Synchony Lowes in XXXX of 2020. If they persist I will write to the credit bureus and contact an attorney for Damage to my credit by them. for fradulent billing and collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # XXXX HAS VIOLATED MY RIGHTS. 

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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The unverified accounts indicated below continue to report 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 Balance : {$240.00}
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 lawsuits, 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 loss, funds was impossible, and that tracking these transactions was unfeasible. The CFP find indicate the Zelle has not only neglected to protect consumers, but has also allowed offenders to exploit the system, Leaving users, vulnerable scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

these companies are allowing you to skip payments due to Covid-19 however they are still charging high interest rates. They are financially benefiting from a Pandemic and that should be against the law. There needs to be more protection/help for consumers.
Product: Debt collection

Sequium assets solutions {$7200.00} Opened XX/XX/year> XXXX creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a The furnisher of information to credit agencies is a financial institution by definition and i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no othe
r : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Debt collection

Portfolio Recovery Associates LLC have filed suit and took legal action without providing me with documentation of original debt baring my signature and companies that where the original debt came from. They have not contacted me, nor was I notified me of any debt and portfolio has filed suit against me.
Product: Credit reporting or other personal consumer reports

on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and 4 closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home
Product: Credit reporting

EXPERIAN Credit has an incorrect date of birth. 
Should be XXXX/XXXX/XXXX ( NOT XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute dated XX/XX/2021 and another over 30 days ago. I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Transunion still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquires from my consumer report. I understand that transunion has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Transunion is definitely attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report transunion also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Transunion did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with transunion and i have been disreguard
Product: Prepaid card

I tried to purchase somthing off of XXXX and it failed but put the funds into pending. When I called the card company they said that it was XXXX fault. When I contacted XXXX support they said " As for your purchase attempt, your bank actually declined it. In most cases this means that there wasn't enough funds on the account for the bank to send us, or they have a restriction on your account, such as that XXXX is not set as a trusted online merchant. You should check with your bank what the case may be here. '' The purchase was for XXXX XXXX I had XXXX on the card. Now when I check the balance of the card on securespend.com it says " The card details entered are invalid. Please check your card and try again or contact Customer Care for additional assistance ''
Product: Money transfer, virtual currency, or money service

Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and AXXXX XXXX # XXXX, has violated my rights. 

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.
Product: Credit card or prepaid card

My online access to my capital one credit card is now blocked and I am travelling internationally. Cap one will not send a numerical code to my home phone to restate access because that phone is not in my name.

Without access to my statements i can not verify the charges are legitimate so I will not pay the balance due.

This will negatigely impact my credit score.

Stupidly, they still allow use of the card i just can not access the statements.

Their solution was, seriously, obtain a USA based cell phone to receive the code!
Product: Checking or savings account

On XX/XX/XXXX I received a call from XXXX, I XXXX  the number and saw that it was a call from Chase Bank Customer Service. I answered the call and the person on the phone informed me that there was a fraud attempt on my account. She knew my name address and the email associated with my bank account. She told me that she was going to turn on the fraud alerts to my account and that it isn't a real charge but it was only to test out if the alerts were working. Almost instantly I received a text from the official Chase bank number notifying me of a fraud alert she told me to reply yes since it was a fake one just to make sure it worked. To which I did. She then told me to turn on my notifications for email and sure enough I received a real email from chase bank on time to which she told me to respond to yes to turn on the fraud alerts. She informed me that I would not have access to my online bank due to security reasons. Which checked out. A week later I received the same call with the same process apologizing for the delay as they were trying to secure my account. 
I did not provide any personal information to this person but she was able to transfer money from my savings account into my checking account and used XXXX XXXX to steal all the money in my account. My bank failed to notify me that someone from an unrecognized device managed to get into my account and change the password to my bank account. Normally I would receive a notification of both instances. My bank has since then denied my fraud claim and the appeal I submitted.
Product: Prepaid card

Yes I been trying to get my disability card and they just will not issue it or one out to me don't know why but I keep calling and they keep saying or gives me the run arounds...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting Equifax about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.
Product: Debt collection

I sent letters trying to fix this. I never had a contact with the debtors it was with a previous company that I already settled with and I send multiple letters and they are continuing to harass me via phone.