23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 43. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 46. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 47. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 48. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express my concern on how Zelle handles disputes. Recently CFPB lawsuit notifies us that there are many issues with this platform. Using Zelle while reporting discrepancies often my Zelle failed to investigate my claims correctly. Ive been told that I couldnt recover any lost funds was not a possibility nor they couldnt find these transactions. The lawsuit describes how Zelle neglected to protect customers and they are being exploited by offenders and the system leaving us vulnerable towards our account. This is very poor accountability and transparency and it raises concerns as a Zelle user.
Product: Debt collection

I was sent an email on Thursday XX/XX/2023 at XXXX XXXX  with the following information detailed below : Important Notification From CashNetUSA Customer ID : XXXX Past-Due Balance : {$25.00} XXXX, We are informing you that your debt ( s ) listed below will be sold to a third-party debt buyer on XX/XX/2023 unless you contact our Collections Department to set up an acceptable payment arrangement by XX/XX/2023 at XXXX XXXX  XXXX. All payments must be received by XX/XX/2023. 

XXXX - {$25.00} Please also note that if any payments are returned or canceled and not rescheduled and received before XX/XX/2023 your debt ( s ) will be sold. 

To schedule your payment : Call us at XXXX or Email us at collections@cashnetusa.com If you have already set up your payment or believe that the information above is inaccurate, please contact us at the phone number below. 

CashNetUSA Collections Team Monday Friday XXXX XXXX XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX, Closed Sunday Phone : XXXX collections@cashnetusa.com I made a phone call to the collection phone number linked in the email. XXXX at XXXX. I spoke to a representative that verified that there was debt collection in the amount of {$25.00}. She verified my debt by looking me up in the system with my first name, last name, and last four numbers of my social security number. She informed me if I felt this was a fraudulent transaction that they would have to file a police report with me on the phone. She used this statement in an aggressive manner and as a scare tactic. I told her I had no hesitations reporting this activity to the police. But I first wanted to see the original agreement and transaction terms. I then told her that I wanted a copy of the original documentation and loan agreement. She then informed me she was not able to access that information. Then transferred me to a collections rep even though I had called the collections extension from the start. The collections representative then informed me she could not access the loan agreement or the original documents that pertained to the over due loan transaction. She told me she would have to have her manager email the information I requested. She then asked for an email address to send the information. I gave her my current email address. This email was not the original address used to email me the message listed above. She then asked if I wanted to move forward with filing a police report with them. I declined and told her not until I have the original loan agreement information in hand to verify the legitimacy of the debt collection claims. We then concluded our call and she told me as soon as a manager got her request they would email me my requested documents. I have not received the documents in any of my email mail boxes or folders.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three bureaus protesting the inaccurate and wrong information/names/addresses on my credit report. The bureaus has yet to delete the wrong names and addresses, unverifiable information and fraudulent accounts on my report. I demand immediate action to remove any and all fraudulent, unverifiable, inaccurate or wrong information/items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Received notice today form Experian credit reporting agency that my score decreased by XXXX points, from XXXX to XXXX due to reducing debit on open accounts. This does not make any cense as I am reducing balances on accounts. My credit score with XXXX and XXXX is XXXX and has been maintained.
Product: Debt collection

Creditor also used misleading language which resulted in me taking a hit on my credit. When I called to ask about the situation, they advised I was told of the situation. Also, I was reported for being late the same day an automatic payment processed on my bank account.
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of a credit inquiry on my XXXX  report, dated XX/XX/21, from Discovery Financial. I didn't apply for anything. I contacted Discovery, they say they have no record of this, but when I contacted XXXX  they said there was definitely a " hard '' inquiry with my SSN, etc.
Product: Debt collection

I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Checking or savings account

Capital One had issues with deposits and I had to find out through google. I expect my work direct deposits on Wednesday, and though I couldnt understand but decided to wait until Friday the latest. When I saw my money went into my other accounts on time, thats when I googled to discover Capital One was experiencing a power outage with no estimated time of resolution. I then called and the phone agent acted as if she had no knowledge of the outage then said we should expect the deposits on Thursday, XX/XX/XXXX. I asked how customers were to pay bills and she did not provide any resolution. On Thursday, XX/XX/XXXX, I received an email from Capital Once confirming the outage and with no XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act. 

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, XXXX XXXX
Product: Bank account or service

Hello, My husband and I opened accounts with Citibank pursuant to a promotional offer to receive XXXX miles. When I first applied, I was assured via a written communication that I qualified for the promotion and needed only to meet certain requirements. After meeting those requirements I was assured that I would receive the miles - again by a written communication. 

Later, however, I received a third communication that informed me that I would not be receiving the promotion they had already promised me twice, but instead that I no longer qualified. I asked Citibank to look into this, and a month later received the same communication that I did not qualify. 

This is all despite the fact that I received written assurances that the promotion applied to my account and that it would be honored. Citibank lured me into opening an account with them only to have them take back their promotional offer without warning and only AFTER promising me miles. Completely unacceptable. There is another word for it as well ... Fraud.
Product: Student loan

I received poor information that was not in my best interest that was used to manipulate me into a worse financial situation.  Illegal practices that were not in my best interest Follow the paper trail on Great Lakes End.  They advised be into forbearance instead of an income based loan where the government was picking up the interest.  They gave bad information and with held information that ultimately led to a higher principal which caused the interest portion to go up to the point that the government help was no longer covering the majority of it thus increasing my principal even more as I was told it would accrue on the side and not be tacked on.My documentation is that no common person would choose to add money onto their principal that leads to a higher interest payment when they have the option of an income based repayment where their income is showing XXXX.   I went from XXXX to almost XXXX in debt because of this manipulation.
Product: Checking or savings account

I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive formally disputed Bankruptcy account information and ascertain that the data furnishers had permissible purposes for the account to potentially initiate said alleged bankruptcy be it true, or not valid or not defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletions of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certification Metro 2 Compliance. Attached below in red exhibits of incomplete, inaccuracies and unverified accounts/ and Fair Credit Reporting Act violations 623 ( a ) ( 3 ) required notice of dispute 15 USC 1681b -15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A ) - 15 USC 1681c XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently applied for an American Express Blue Cash Everyday Card and requested a balance transfer of {$4000.00}. The terms of the balance transfer were 0 % interest for 12 months ( my expiration is XX/XX/XXXX ) and 3 % balance transfer fee ( {$120.00} for my requested transaction ). The balance transfer request was made on XX/XX/XXXX, yet the request was not approved until XX/XX/XXXX and processed until XX/XX/XXXX. In the meantime, I was charged {$52.00} interest from the original credit card company while I waited for the transaction to be approved and processed. When the balance was transferred to XXXX, the balance was transferred into an interest-incurring sub-account and I was charged {$41.00} on my first account statement. I called XXXX to remedy this issue and was told it would be corrected quickly. I had to call two more times over the next week to get resolution. The account was credited on XX/XX/XXXX ; however, since I had made purchases and payments on the account, XXXX moved {$2700.00} of the {$4000.00} balance transfer to the 0 % interest sub-account, essentially applying payments for my purchases to the balance transfer while leaving the purchases ( which are charged at a rate of 16.99 % ) available to have interest charges applied. The payments I made to the card exceeded the new purchases I made on the account. I called XXXX again twice since the XX/XX/XXXX adjustments and I have hit a brick wall. While the customer service team is polite, they do not have a solution to this issue provided in their script. I have not been able to speak with a supervisor nor locate an internal customer complaint format. In my frustration over this situation, I did some research and located several message boards where numerous people had the exact same complaint. As an Internal Auditor for a financial services company, I see this as a systemic issue and I see XXXX heading for a " XXXX XXXX '' -esque compliance and regulatory nightmare. The company MUST be aware of the issue, yet has not taken the necessary steps to remediate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XX/XX/2022. This information is incorrect and negatively affects my XXXX XXXX. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/2022 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX XXXXXXXX ) I appreciate your prompt attention to this matter. 

Sincerely,