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

on  XXXX   XXXX  I received a call informing me after  30+years of u sing  my American Express card they  put a hold on my card until I will give them permission to go through my I R  S ta x returns .I have never been late on a payment and have generally either paid the full amount or more than the amount due ever month. I informed them I was out of state and was using my card for motel & gas. They gave me no reason for this action beyond they want to know my income and they will decide if I can afford this card. I DO NOT think that is their decision to make as long as I am making my payments!!!! I feel they are judging me on my age and  XXXX . I am  XXXX  and no longer have a high income but I have been  XXXX  for several years and am managing fine, they have no idea what I can afford.
Product: Money transfer, virtual currency, or money service

When using Zelle, you are able to send money to individuals even if the account doesnt have a verified phone number through the XXXX app, which partners with Zelle XXXX 
The XXXX XXXX app has no way to verify your phone number. When you try to, it asks you to use Zelle. 
When you download the Zelle app to verify your number, it forces the XXXX app open, blocking your access to the actual Zelle app. 
Zelle also does not have a web browser version to do so. 
You have a certain amount of time to verify your your phone number in order to accept the transaction. 
If you dont meet the time allotted then the money is collected by Zelle and there is no way to get it back. The sender nor the recipient retain any funds involved in the transaction. 
This is essentially theft, supported by Zelle and enabled by every bank that uses the app that lets this go unchecked. 

I spoke with a chief software engineer XXXX XXXX at Zelle about the issue, and he gave no solution or admission of wrongdoing. 

He claimed That Zell is designed for banks to use, which essentially makes it an extension of a bank, as it is acting in their interests, and should be held accountable to the same rules and regulations. But they are not.

Zell has allowed banks to operate outside of the rules they have been given.

This is a class action lawsuit, and it should be investigated further.

This causes a lot of issues. Delay in payment and a loss of time and increased stress on the customer.

The law should not be passed over due to a 3rd party acting in the banks best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX
Product: Student loan

I have been denied the following concerns due to the aggressive pressure to repay MOHELA {$610.00} per month, when they will not furnish me validation as follows : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt including principle, interest, & maturity date : Date that this alleged debt became payable : Complete payment history on this account along with accounting of all additional charges being assessed Provide agreement with the creditor that authorizes you to collect with valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the statute of limitations has not expired : Agreement bearing my signature stating that I have agreed to assume the debt. 
*Provide me with proof that you are licensed to collect in my state; and your license number & Registered agent. 
*I demand a copy of the original promissory note.
Product: Debt collection

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They have been asked and reported not to call this number several times and have been reported in the last year to you all as well. The calls have stopped then returned this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I HAVE DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXX XXXX Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy.

As per FCRA Sincerely, XXXX XXXX
Product: Mortgage

We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$15000.00} - Late/closed
Product: Mortgage

After years of making monthly loan payments of {$1900.00}, an additional charge of {$360.00} was unexpectedly applied to our XX/XX/year> account. Despite contacting the company multiple times and providing documentation showing that nothing has changed on our end, the company continues to charge this additional fee without offering any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XXXX 2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX team, which is a direct team of NAVIENT contact number is XXXX. This team advised their records show paid off date as ofXX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the NAVIENT lawsuit and all payment request from NAVIENT are to cease. This call was received after the accounts were paid through the law firm that NAVIENT obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to XXXX  as well as all the other credit bureaus is affecting my credit. I have contacted XXXX on serval occasions asking them to update the information and they refuse to because NAVIENT is failing to update XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ). 

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB.

Furthermore, it has come to my attention that XXXX XXXX is eng
aging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.
Product: Credit reporting or other personal consumer reports

I received a report in my mailbox from a company called XXXX. The Case id on this letter is XXXX. This company stated I placed a security freeze on the report through them so they were writing me to let me know they added information. The problem is they have added a social security number to my file that doesnt belong to me. My identity has been stolen! I keep trying to get all of this information that is fraudulent taken off my reports and blocked but instead the information keeps being verified even though it is fraudulent. These individuals have gotten apartments and cars in my name they have gotten credit cards and checking accounts in my name and these reporting agencies keep ruining my credit by allowing the fraudulent information. Instead of helping I get messages that state that the information is accurate and nothing is being done. Im adding XXXX and TransUnion to this complaint because XXXX is always saying the information in accurate and its literally fraudulent. TransUnion doesnt even have a working number to get an agent to help because their online doesnt even allow me to get a copy of my report without paying. I know at this point I sound like a broken record but if this was happening to you what would you do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


9. there is some inaccurate information reporting XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete from my credit report.
Product: Mortgage

Were being lied to by XXXX XXXX. tell us our payment will be adjusted back down to original amount if we paid an additional XXXX by one XXXX and it remained at the increased amount
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. 

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # 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 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX sent the ftc and affidavit to them with no results
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been made aware that a computer glitch in the summer of XX/XX/XXXX and early XX/XX/XXXX deleted inquiries in the month of XXXX. Once the glitch was realized Transunion added them back to my report., I am aware of my legal rights and it is illegal for an item to be added back to my report after being deleted with out written notification 5 days prior to it appearing. On XX/XX/XXXX at XXXX XXXX eastern time i spoke with a representative at Transunion by the name of XXXX XXXX at telephone XXXX. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquries add a hardship and my rights were violated by Transunion. Please have all of my Transunion inquiries deleted permanently from my report as a violation took place when they were illegally added back with out any notification. Inquiries to be deleted are the following : 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

At the end of XX/XX/XXXX, I filed a claim with my Chase Sapphire Preferred credit card to enact the trip insurance I was given by being a holder of this card. The trip insurance states that if I purchase a trip with the card, and then experience an illness that prevents me from going on the trip, the insurance will cover the loss in full. Unfortunately, I became ill before my trip, went to my doctor who advised me against traveling due to medical reasons. A medical doctor, both verbally and in writing, told me that due to my illness, it was inadvisable to travel. So I cancelled my trip, filed the claim, and was immediately denied. When I called back to ask about the denial, the agent said it sounded like a basic misunderstanding and that I needed to file an appeal. I immediately did that. Did n't hear anything back for a week, so I called in and they had zero record of my appeal. So I filed it again. And I was denied again. They claimed that it was my choice not to travel and that my doctor was wrong, despite the written proof that was given to Chase. My account number was XXXX XXXX XXXX XXXX.