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

Company Paying : Continental Finance City/State : XXXX.If you have any questions about your application please call us at XXXX Monday Friday XXXX XXXX XXXX XXXX ET and Saturday XXXX XXXX XXXXXXXX XXXX ET. This company has been pulling my credit for over two years I have reported them to the XXXX  I had the freeze my credit because of them and I need something done. Please help me!
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been a XXXX XXXX customer for over 20 years and have used their store card to make thousands of dollars worth of purchases for myself, family & friends. Recently, XXXX XXXX took it upon themselves to " upgrade '' their store card to an XXXX XXXX card. I had no interest in having an XXXX XXXX card but since I didn't notify XXXX XXXX of that fact they claim they sent me an XXXX XXXX card which I never received. Then XXXX XXXX told me they would send me a replacement card but they never did. In the interim, my original XXXX XXXX account was closed without my permission. Although I received a letter from XXXX XXXX from XXXX XXXX Executive Office claiming she would assist me with this issue I have called this office three times. First I'm connected to the wrong number then I get disconnected when I called again. On the third try at about XXXX today I get a recording stating I should leave a message since apparently the office is busy. XXXX XXXX Executive Office can't take a phone call during normal business hours?! I'm really disappointed in the shoddy treatment I've been getting from XXXX XXXX since their association with XXXX XXXX. Apparently loyal, long-standing XXXX XXXX  customers are no longer appreciated and are being forced to accept XXXX XXXX cards ...
Product: Credit card or prepaid card

I applied for United Explorer credit card offered by Chase on XX/XX/2019. They disapproved my request by their letter referenced # XXXX dated XX/XX/2019 giving reason that too many credit cards opened in the last 2 years associated with me.
Product: Checking or savings account

On XX/XX/2023, I opened up 2 savings accounts and 1 checking account at Citibank. I did this because I wanted to switch banks to them because I liked the benefits. I definitely regret it. My old bank is XXXX XXXX, so when I opened the accounts, I transferred all of my money from XXXX XXXX  to Citibank. 
Those amounts included : {$550.00} transferred to my checking account {$3500.00} transferred to one savings account {$400.00} transferred to the other savings account I also decided to set up direct deposit with my job, so a paycheck of {$1000.00} was also deposited into my checking account.

The next day, when all of the funds arrived, I received a check from my old car loan company for the GAP coverage refund. I decided to deposit it in my new checking account. The amount of this check was {$840.00}. Citibank initially cashed it, saying that the new check was great. It even said the funds were available in my account. The next day, they marked the check for fraud. I immediately lost all access to my specific bank accounts. I couldn't see any money, nor open up the transactions page. All it said was " account blocked. '' So naturally, I called them and tried to figure it out, because my name is clearly on the check with my address. After jumping me around from representative to representative, I was told multiple things. I was first told that my account had been closed and that they were terminating our banking relationship. I thought that maybe it was a mistake, because the check wasn't fraudulent. I called again because I thought it was a mistake, and then was told that my account was under review by the fraud department and that I should wait. That put me at ease, and I ended up waiting longer. In the next few hours, they completely blocked all access to my account, I am not able to log in anymore. After being on the phone for another few hours and being bounced around, they told me our banking relationship is over and that I would be receiving my funds in the accounts 30-60 days from when my account was closed. And the account could close any time in the next 30 days, meaning I could be waiting for 90 days for my money back. This was ALL of my money at the time, and I had XXXX dollars to my name when the completely blocked me out. So I begged with them to help me figure it out, but they just kept informing me that our relationship was over and I would be receiving the funds soon. 
When I received the check in the mail today, 48 days later, I was honestly livid. The total that they believe was in my accounts at the time of closure was {$100.00}, when there was really {$6400.00}. 
In total I am missing {$6300.00} from Citibank.
Product: Consumer Loan

I had a vehicle loan that was opened by a dealership on my behalf with Chase vehicle loans. I set up my account to automatically pay the bill every month through the Chase website from my Chase checking account. I paid this loan off early, this process closed my chase auto loan account and shut off access to it ( which makes sense you should n't need access to it ). My issue is that the automatic bill pay continued to draw the standard payment from my checking account after the account was closed. When I called Chase they informed me that I had to go into my account to cancel the automatic payments however since the account was closed I obviously could not do so. After an hour or so talking to various help desks they were able to cancel future payments to the closed account however the {$640.00} that they had drawn from my checking account was not returned. The Chase representative said it would take 20 business days to return the funds to my account. As Chase requires that their customers cancel recurring payments on accounts that they can not access and then bars customers access to their own funds, I believe that this would fall under the category of deceptive or unfair behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within 30 days please delete the accounts immediately!
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelle 's handling of disputes, especially due to the recent CFPB lawsuit which highlights important issues regarding the platform. Despite using Zelle frequently, and reporting discrepancies, my bank and Zelle have failed to investigate my claims adequately. The CFPB indicates that Zelle has not only failed to protect its consumers, but most importantly allows repeat offenders to continue using this system, leaving the users of Zelle vulnerable to scams, which has unfortunately happened to be before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told Equifax to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told XXXX to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Capital One NA ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One NA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Debt collection

I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. As a victim of a data breach, these items were fraudulently opened or accessed without my authorization. 
Fraudulent Accounts XXXX. UXXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1700.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5500.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$3700.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$820.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$7300.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$1700.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$160.00} ) XXXX. XXXX XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$2300.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2700.00} ) Fraudulent Inquiries XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. JXXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )
Product: Credit card or prepaid card

I have tried to contact the company since I filed my complaint on here and now they are not responding to me. This seems illegal that a company can not communicate with the customer. Their last response was on XX/XX/XXXX. I sent messages ( sometimes a new one and not a reply ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and now XX/XX/XXXX. Their messaging system says that messages are responded within 24 hours. Yet I have not heard back - not even a phone call - from them at all. At this point, I am refusing to pay my bill since they simply can not honor a late fee waiver from a month ago and are dragging this out.
Product: Debt collection

They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the followi
ng findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.
Product: Mortgage

On my mortgage statements I am being charged {$20.00} every month for property inspection. I live in my home and we are behind on mortgage payments due to a reduction in income that started in XXXX of 2019. We did call for help but did not get any from our lender. They charged another property inspection fee again this month. That is an additional {$60.00} so far. This is unfair when I live in my home. We are in the process of trying to make two mortgage payments each month till we catch up in XXXX. I have cashed out a retirement fund to catch up and will receive the funds the beginning for XXXX. We were not aware of these charges and will not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor reported me 30 days late XX/XX/2013
Product: Vehicle loan or lease

MY PROBLEM IS THAT SANTANDER CONSUMER IS RECEIVING PAYMENTS FROM ME BY CHECK AND ACCESSING THE FUNDS AS " XXXX XXXX XXXX '' AS AN ELECTRONIC CHECK WITH NO INFORMATION OF PHONE OR ADDRESS i SPOKE TO OFFICALS THER E AND THEY DID NO GIVE ME A SOLID SOLUTION OR REASON FOR THIS AS THEY ARE LOOKING INTO IT. 

( YOU MAY PUBLISH THIS COMPLAINT AND THE RESULTS )
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name- XXXX XXXX Account Number- XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the name and business address of each individual with whom you verified the above with, so that I may follow up. Please send me an updated copy of my credit report.
Product: Credit card or prepaid card

On XX/XX/2019, I requested to change my credit card type ( XXXX XXXX XXXX American Express card ending in XXXX ) to a more advanced card ( XXXX XXXX XXXX American Express XXXX card, card number remains unchanged ) in response to a promotion offer ( the offer page is attached below ) which stated that I shall receive XXXX XXXX Reward points after I spend more than XXXX XXXX dollars on the new card within 90 days following the card change. I made the change ( i.e. upgrade ) through a phone call since the offer link given was leading to errors if upgrade online. 

By XX/XX/2019, I already completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). I contacted a XXXX of American Express and mentioned the upgrade offer, asking them to verify that my purchase amount had exceeded XXXX. The agent couldn't locate such a upgrade offer on my account and my concern was escalated to a XXXX XXXX XXXX XXXX XXXX XXXX who asked me to share the offer page through his personal email ( XXXX ). Through our email exchange, I provided some details of the upgrade offer on XX/XX/XXXX. However, I then never heard from him after his one-time reply. I had requested a follow up through this email for several times, on XX/XX/XXXX, XX/XX/XXXX, etc. Our email exchange history is attached. 

By XX/XX/2019 when it has been 90 days since I changed the card type, I have completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). No bonus posted to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a third party, Im making a complaint against Equifax, XXXX and XXXX, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.