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

I have been a chase customer for 10 years and I have XXXX chase freedom cards. Recently ( 1 days ago ), I received the offer for a credit limit increase which I accepted. Please not I didnt request it first hand. Then I keep seeing a prequalified offer for their chase Sapphire preferred and after a few logins I decided to take the bait. I applied and got approved. Five days later, I try to use my card at a gas station and it was declined then again later. So I logged in to check out what the problem is because I havent been using much of the card I actual only had {$64.00} balance on a {$2000.00} limit. Thats when I see that all my cards were closed. 
I called them and the reason is too many inquiries. Chase card was the last card I got last year until XXXX when I applied for a XXXX. I dont understand how thats too many inquiries! On my XXXX and XXXX I only see XXXX. XXXX has XXXX ( 2from XX/XX/2017 set to be removed by next month, XXXX others from chase itself and XXXX for apartment leasing ). I am shocked and embarrassed that chase takes such a measure without informing its clients. I am also annoyed because I had enough no late payment and the accounts are always paid on full. I am no flight risk, I have been with them for years. I was just doing a product change as my credit has risen so much and I need cards with rewards.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated
Product: Mortgage

At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$820.00} XXXX XXXX  {$1400.00} XXXX {$0.00} XXXX {$11.00} XXXX  XXXX BANKRUPTCY XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 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

This amount {$360.00} from XXXX XXXX was charged off XXXX. It is now being reported by Transworld Systems as of XX/XX/2021 with age of account 9 months old! This is ILLEGAL to reage an account. This caused my credit score to drop significantly from all 3 bureaus.
Product: Debt collection

The first time she called, I told her that I needed some time to figure out when I could pay ... I was in the car at the time. I told her that I would call her back the next day, and I completely forgot. 

The second and third times, she was pleasant but getting increasing annoyed that I could not give her an answer. 

The fourth time she called, I was on a business trip out of state and in meetings all day. She was audibly angry that I was " putting her off '' and she hung up on me. She then called my wife. While on the phone with my wife ( after learning that I was in business meetings out of state ) she informed my wife that she would " call me everyday while I was there and maybe I would then respond ''. 

She calls from ( XXXX ) XXXX which my cellular network reports as " Possible Spam ''. Here are the dates and times she has called my cell phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  She called my wife 's phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  XX/XX/2019 XXXX XXXX
Product: Debt collection

I have been made aware of a debt that was reported on my credit report. I have reached out to this company and the credit reporting agencies and have not been given verification of this account. I know for a fact that I did not have any contacts in place with this company, or the company that " bought '' the debt from XXXX XXXX XXXX. I am asking that this be verified by providing any contacts that were signed and dated with my signature.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint as part of the class action against Zelle due to concerns about the lack of proper disclosures during the early days of the app. Specifically, when Zelle was first launched, it did not provide clear information regarding the risks of sending money to incorrect accounts, including the difficulty of reversing such transactions. As a result, I ( and many others ) experienced financial losses when money was transferred to the wrong recipient, and there was no adequate recourse to recover the funds.

At the time, Zelle did not sufficiently inform users about these risks, nor did it offer proper safeguards to prevent accidental transfers. I believe that Zelle should have provided clearer warnings and better protections for users, and I am concerned that the platforms lack of transparency and consumer safeguards has contributed to financial harm.

Thank you for your attention to this matter. I am hopeful that the CFPB will take steps to ensure that Zelle, and other financial platforms, implement stronger consumer protections and clear disclosures moving forward.
Product: Credit card

I took out a balance transfer for XXXX in XXXX of XXXX. This was for an interest free for 1 year. From TD bank, it is now 18 months later, and they are hitting me with interest charge saying that I didn't finish paying off my balance transfer. I have been paying more than what my due amount was for. I made more than the minimum payment by a few hundreds of dollars. I'm thinking they are using the extra money that I'm paying towards the balance transfer. In some months they only put XXXX dollars to the transfer. I made a payment in XXXX of XXXX for XXXX dollars, and they only took XXXX to put towards my balance transfer, when the minimum payment was for XXXX dollars. I shouldn't even owe them anything. They are saying I still owe over XXXX dollars. If they have been only taking out less, then XXXX dollars a month I will never finish even when they are getting hundreds of dollars extra. Now on top of that I'm now paying them interest fees. So, they are making extra money from me. You can say I paid off that balance transfer fee twice over. From XX/XX/XXXX to XXXX of XXXX, I have made payments of XXXX XXXX XXXX dollars to TD and the minimum was for the most XXXX dollars. But they only put less then XXXX dollars towards my transfer.
Product: Debt collection

The Revenue Group has begun blowing up my phone calling me everyday from different phone numbers in an attempt to collect an alleged debt. The Revenue Group has never sent me a written notice about any debts owed. The Revenue Group has never sent me a notice providing me with the right to dispute the debt. They call my mobile phone during the day and at night. I have no idea why they are calling me. I have not been notified of any debts owed in writing. The Revenue Group has denied me the right to dispute any alleged debt and/or to contact the original creditor to make payment ( if owed at all ).
Product: Debt collection

I was not properly notified of a debt with the original creditor. I contacted the original creditor who agreed to remove the collection from my credit report after it was paid due to the notice being sent to an old address. This was also communicated to the collection agency ( Atlas Collections ). I paid the debt in full and the collection agency only removed it from XXXX of my credit reports. I have made multiple attempts to reach the collection agency and have left several messages, emails etc. they will not respond to my requests. I have emails that show the agreement to remove it and where they stated that they had removed it. I have also disputed this with the credit reporting agencies and Atlas has verified this rather than removing it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was in a lease with Ally bank for a XXXXXXXX XXXX The trade in value exceeded my buy out amount, so elected to have the dealer purchase the vehicle on my behalf and pay me the XXXX 

After the process completed, I verified my online statement showed a XXXX balance ( see attached ). About two weeks later I received a bill for a lease return fee of {$420.00}. I called Ally on several occasions to discuss. They admitted that this fee is meant to cover fees associated with preparing the vehicle for sale after it is turned in. My argument was that I did not turn the vehicle in, I had my dealer purchase it. Therefore there is no cost associated with Ally for preparation and by the contract I did not return the vehicle. They claimed that because I ultimately did not take delivery that I still had to pay the fee. I was in the process of still disputing the charge when I received an offer in my portal to pay ~ {$250.00}. I assumed this may be a negotiation to meet in the middle and figured it would be better to just pay than deal with trying to keep fighting them. They also threatened that not paying would affect my credit. I confirmed again that no balance or other notes were shown on my account, and it showed paid in full. I recently viewed my free credit report and they reported that payment as being a settlement payment for less than what was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled through insurance and needs to be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I noticed on my credit report that Credit Bureau Data of XXXX XXXX, WI had placed several entries on my credit reports prior to contacting me. 
I have attempted to contact Credit Bureau Data XXXX XXXX  XXXX numerous times via USPS letter, but have received no response from them to either validate the alleged debts or attempt to settle the alleged debts.
Product: Credit card

XX/XX/XXXX, I received a statement from Discover Card stating my charges for the prior month. Included on that statement was an erroneous charge. I reported this to Discover and was told that they would remove the charge but also had to cancel my card so the number could no longer be used. They also said they would issue me a new card. They removed the erroneous charge and canceled my old credit card number and I sent them my credit card, cut in two. but they never issued me a new card. Later when I told them I 'd never received the new card, they said I 'd have to re-apply for a new card. After much haggling, I finally tried to apply for a new card. But they rejected my application saying they could n't verify my credit. I found that that was because when they canceled my credit card, I no longer had any credit. my credit history consists of only several closed accounts so my credit score dropped from XXXX to XXXX. So Discover wo n't issue me a card because " they '' canceled my prior card. Now I have no way of obtaining credit even though I 've have perfect credit for the entire time I 've had a credit card beginning in XX/XX/XXXX, 29 years. I do have a Debit/Credit card from my bank the XXXX XXXX, but I 'm led to believe that that credit is only valid through that bank and is not reported to the national credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.
Product: Credit card or prepaid card

XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}
Product: Credit reporting or other personal consumer reports

Filed a dispute on my credit reports and they keep giving the message : Account charged off. {$17000.00} written off. {$15000.00} past due as of XX/XX/year>. THIS SHOULD NOT HAVE A BALANCE AND THE STATUS SHOULD BE DISCHARGED through Bankruptcy XXXX  XXXX! I listed them in my bankruptcy for this debt prior, all my other creditors have the status Discharged through Bankruptcy XXXX XXXX and no balance except them!
Product: Credit reporting or other personal consumer reports

I previously made a complaint on the CFBP about a Discover card investigation. I received a response from XXXX, at the corporate office, on the website. However, every time I try to call to provide more information into the investigation, I am sent to leave a message and never receive a call back. My identity was stolen by my stepdad, he plead guilty, and it is still reporting on my account. 

I am very frustrated with the communication of this investigation and lack of communication from the corporate office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on with XXXX, Equifax, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, Equifax and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Product: Credit reporting or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I have transferred money using Western Union on XX/XX/XXXX and its been 7 days. The receiver had not yet received the money and when called to the customer service they are rude in responding by saying that they don't know when the money will be transferred. Is this the answer that the customet expects to have? 

The customer agent 's name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This account is showing incorrectly on my credit report. I do not own this account. Please correct and remove as it is affecting my credit and employment status Thank you
Product: Debt collection

I have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.
Product: Credit reporting or other personal consumer reports

This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested
Product: Payday loan, title loan, or personal loan

XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files