23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly and thoroughly investigate my dispute with XXXX XXXX XXXX. Experian reported that they verified my information with XXXX XXXXXXXX XXXX and that they found it to be true. This is not true and Experian falsified the report because XXXX XXXXXXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Experian that XXXX XXXXXXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are found to be fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Experian that the charges on the account were incorrect and that XXXX XXXX XXXXXXXX did not allow me to dispute them and that XXXX XXXX XXXXXXXX never contacted me regarding the charges. Experian falsified their report of stating that they verified that XXXX   XXXX XXXX had initially had my correct information at the time of my first dispute, which was not true. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Experian and complaint with CFPB. I request that Experian remove the XXXX XXXXXXXX XXXX account from my credit report report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) 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 ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Bank account or service

Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items, incorrect addresses, and inaccurate names appearing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that Equifax notate these disputed items as " in dispute '' or " consumer disagrees '' within 30 days. 

Please see the attached file.
Product: Credit card

This is a follow up complaint for XXXX. 

The company 's response stated, " Hello XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for contacting the Exchange credit report. To address your concerns, unfortunately, we can not remove the collections account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still showing on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the delinquent date, XX/XX/year>. If you have any further questions about your account, please feel free to contact our collections department at XXXX or email XXXX. Thank you for your service and have a great day. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX Visit our online store! XXXX XXXX 

They are ignoring the substance of my dispute. 

Their response fails to address the acknowledged agreement and my certified letter. 

They are continuing to report disputed information despite notice, which is a clear violation of the FCRA and FDCPA. 

I am not simply requesting early removal, but rather removal based on inaccurate and unlawfully reported information. 

I am not disputing the reporting timeline ; I am disputing the VADILITY AND LEGALITY of the information being reported after a formal agreement and certified dispute letter were submitted. This is willful noncompliance with the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I am writing to report my concerns regarding Zelle, a peer-to-peer payment service. Recently, I became aware of the lawsuit filed by your bureau, highlighting significant issues with the platform. 

The lawsuit 's findings align with my own experiences and concerns about Zelle 's : - Inadequate fraud protection - Insufficient user verification - Difficulty in disputing and resolving transactions - Lack of transparency in transaction processes I believe it is essential to bring attention to these issues, as they may be affecting numerous consumers. I urge you to continue investigating and addressing these concerns to ensure a safer and more secure payment environment. 

Thank you for your attention to this matter. I look forward to seeing the necessary changes to protect consumers.
Product: Credit card or prepaid card

HSN I got a credit for hsn from synchoy Bank and they closed my account for no reason, I make payments on time and it was a brand new account they did this with my world wide pay pal credit card account after I paid in full.
Product: Credit reporting or other personal consumer reports

Experian is reporting an allege late payment for the account listed as XXXX XXXXXXXX Account # XXXX XXXX they have validated that this information is accurate. Experian has no access to my private financial history so reporting this late payment is violation of my federal protected consumer rights.

( 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.

( b ) Grace period If an open end consumer cr
edit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX and XXXX XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Prepaid card

Unauthorized Transactions XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/XXXX and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had two unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/XXXX on XX/XX/XXXX I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions. I requested the investigation documentation and still have yet to receive anything and its now XXXX They have never contacted me regarding any type of investigation they just simply kept denying my claims without providing anything showing what they came up with.
Product: Credit card

I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT!
Product: Checking or savings account

XX/XX/XXXX Opened a XXXX with XXXXXXXX XXXX  for {>= $1,000,000}. 
XX/XX/XXXX went to a PNC Bank to inquire where my CD was. They told me to snail mail Pennsylvania, and I did. I did return receipt requested and received the signed green receipt but never a response. 
XX/XX/XXXX I was told XXXX XXXX and XXXX XXXX who are with PNC would look into it. 
XX/XX/XXXX I was told they could not find anything but also could not confirm what happed to the money. Said it may have been escheated back to the state. I checked. It has not. 
XX/XX/XXXX I went to another PNC bank in XXXX XXXX and spoke with a manager named XXXX. She said the funds would not have been saved and given back to the state. They looked it up and nothing was found. They they said I may have to hire an attorney.
Product: Checking or savings account

I opened a CITI Checking and Savings account in order to receive a stated {$500.00} bonus into my account after completing activities. Promotion code was XXXX. I opened the account on XX/XX/2019. However, after account opening there was a delay in receiving my debit card and pin number, which I contacted CITI about. They told me the delay won't affect my bonus as I will have some additional time to complete requirements. I rushed to deposit the {$15000.00} as soon as possible, and set up my direct deposit as well, which was the second requirement. After waiting over a month, I contacted CITI again to ensure everything was okay and that I was on track to receive the {$500.00} bonus. I spoke with XXXX over chat, which I have attached, on XX/XX/2019. They stated that I have completed all activities as discussed, and only need to wait the additional time with the money in my account. I wait almost another month and a half, and do not see the bonus. I contact CITI again in order to receive the bonus, and they file a claim with which I received a letter after three months stating that I did not apparently meet the requirements, even though I had discussed this with CITI multiple times that an error on their end delayed my account opening and funding.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft therefore i have no knowledge of this debt owed to XXXX XXXXXXXX XXXX for {$3800.00}
Product: Debt collection

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability
Product: Money transfer, virtual currency, or money service

Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''
Product: Bank account or service

Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I made a payment to Walmarts automated system because I was unable to make a payment as usual because their website was down. I also tried contact a representative to assist me because I have had problems in the past but he referred me back to the automated system. The following week I received a letter stating that my payment way no received because of an error with my account. However, Walmart had waved my XXXX payment because of Hurricane Harvey so he told me it was okay! Nonetheless, Walmart sent me another letter yesterday XXXX XXXX, XXXX stating that they closed my account and reported it on my credit report! I immediately contacted them and spoke with several agents and supervisor. They all told me that they could not reopen my account. So I called my bank to try to find out what happen. Finally, I was able to figure out what happened! The automated system and the website has two different account numbers. The automated system has an account number that was closed three years ago! In the past, I had a problem with this situation and Walmart was suppose clear out all the old accounts but never did! I told them what happened and they still refuse to reopen my account! This is unfair credit practices! Please help!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

In XX/XX/2022 I signed up with BMO as a result of a direct deposit promotion. If I deposited {$7500.00} over a 3 month period I would be eligible for a {$350.00} bonus. I signed up on BMO 's online promotion page, where I was offered two options : a regular checking account or a money market checking account. There was no disclosure that the MMA did not qualify for the bonus so I signed up for that option. I later contacted the bank and their agent verified that I was eligible for the bonus. However, after depositing more that the {$7500.00} minimum within a 3 month period, I contacted BMO and they told me I would not be getting the bonus. Further, they charged me {$10.00} per month in fees while the account was open -- which as not disclosed to me at account opening. Infuriated, I tried to close my account online but BMO would not let me. I called customer service to assist with the closing and BMO tried to charge additional fees for closing the account. Unwilling to lose any more money to this criminal enterprise masquerading as a bank, I was not able to close the account. I file this complaint to : ( 1 ) close this account and get my money from BMO without any additional fees ; ( 2 ) have all fees charged returned to me ; ( 3 ) have BMO pay me the {$350.00} bonus promised ; ( 4 ) compensate me for time lost from work pursuing this action ; and ( 5 ) any punitive fees to which I am entitled.
Product: Checking or savings account

I completed the process to as external account, it was successful. I requested to transfer XXXX XXXXXXXX The transfer was cancelled by chase The reason I was given by chase it was that the account could not be verified. 
I spoke to horrible manager XXXX at the fraud dept and she was rude, unhelpful, not knowledgeable at all. Nasty attitude This is complete fraud by chase bank. 
Chase should be penalized by this government agency cause it is fraud by chase.
Product: Debt collection

Mazda Financial Services has violated my Consumer rights pursuant Title 15 USC 1692g. 
Mazda Financial Services can not extend credit to a Consumer natural person.. 

Mazda Financial Services has a unverified and alleged debt against the original creditor XXXX XXXX to which my credit is unlimited.. 
Mazda Financial Services has no written contract from the original creditor validating any such alleged debt for the consumer natural person.. 
Mazda Financial Services has violated Title 15 USC 1635 by not providing the original creditor the proper forms and documents pertaining to my right of rescission to all credit transactions..