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

XXXX billed me {$26.00} per month without my approval, nor authorization to use my card. 
XXXX failed to refund my {$180.00} for an account / program I never authorized. 

Second, XXXX failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - XXXX has not provided valid and legible documentation, despite three disputes, that Student Loans are my account.
Product: Credit card

From the Date of XX/XX/year> to XX/XX/year>, my banking account was close along with credit cards of Capital One. I had fair credit but the banks didn't like me you using peer to peer services like XXXX  or XXXX. 

My accounts of XXXX XXXX XXXX and XXXX XXXX XXXX was in good standings. The other accounts credit cards close to max out. 

I think it was some type of discriminative decision making going on with the closing of my Capital One 360 and Credit Cards. Someone target my name and information may had be seen from a representative that hates me personally.
Product: Vehicle loan or lease

I have 2 loans with AMERICAN CREDIT ACCEPTANCE BOTH AT 20 % INTEREST. I have tried to pay my loan down by paying more than the minimum payment. They do not apply any additional funds to my principal balance. I have been paying one of my loans for 20 months and my balance does not go down. I have tried to see about getting my interest rate lowered ... .they refuse. I can not get out of either vehicle because I am up side down XXXX in XXXX and XXXX in the other. I would like all of extra payments applied to my principal balance, and a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report unauthorized inquiries on my credit report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

when this person contacted me at work XXXX times in a row, also going through the receptionist in our office. When I finally had a chance to answer them I ask that he not call me at work and to mail me any correspondence. He did n't even Identify that he was calling for me and told me that he was going to contact my human resources so that I would get fired.
Product: Checking or savings account

PayPal refuses to refund money taken from by bank account via ACH for a purchase that was cancelled same day of purchase with both PayPal and the seller XXXX XXXX. PayPal is trying to contort the narrative that I attempted to use a PayPal credit that was denied. As a result they took money via bank ACH. Here is the problem with that lie and misinformation. The purchase was made XX/XX/XXXX online at the XXXX XXXX website. I choose the payment via payment in 4 via my XXXX XXXX. Its the method I always use. When I realized the full amount, I immediately called PayPal. They were closed. Their online chat bot referred my to the portal. I checked cancel agreement. A few hours later when they opened, I called an cancelled on the telephone. Then I called the seller XXXX XXXX. I cancelled twice. First with a rep, and then a manager. The manager confirmed the cancellation. I then called PayPal to confirm. PayPal told me I was good. But the money was from my debit card. That was rarely use my debit card. Its always XXXX XXXX due to their buyers protection. I underscored with PayPal the order was CANCELED. Much to my chagrin, the next day the took money via ACH from my bank. I filed multiple disputes with PayPal. I even had the seller CONFIRM the order was cancelled, never shipped, and never delivered. Yet papal continues to play games refunding {$1300.00} to my account. I even have an email from the seller confirming the refund and cancellation. Moreover, I have an email from a PayPal rep named XXXX. He confirmed the seller had until XX/XX/XXXX. At that point PayPal would refund. Its XX/XX/XXXX, and PayPal has now asked until XX/XX/XXXX. Unacceptable. Their new supervisor XXXX has twisted the narrative to say I wanted to use a PayPal seller credit ( of which there is ZERO credit available ) to make a {$1300.00} purchase? Thats preposterous and a lie. I wanted the purchase from my XXXX XXXX with pay in 4 option. They CONVENIENTLY obviated that payment option because they knew XXXX had buyers protection where debit cards rarely have this. As of XX/XX/XXXX, I have sent XXXX the sellers email confirming the refund and cancellation. PayPal also has the RECORDING of their own rep XXXX saying the dispute would be closed by XX/XX/XXXX and my money refunded XXXX has engaged in predatory and bad business practices. I am demanding my {$1300.00} refunded ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly reported request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

XXXX To : CapitalOne, MasterCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Denial of Purchase : On XXXX XXXX XXXX ; I ordered an on sale computer and XXXX XXXX software package, on line with XXXX XXXX stores for my XXXX birthday gift. The original purchase total was {$1000.00} which I charged to my Capital One Quicksilver Master card. My card was denied. I called customer service XXXX XXXX several time asking why my card was denied. After going through all the questioning I was asked for a picture of the front and back of my California driving license which my wife photographed and sent via her phone. The questioning continued without any explanation only reading me more disclaimers which I verbally agreed to. Still with no explanations! The customer service ladies spoke broken XXXX and were difficult to understand. My wife and I have attempted three times to purchase this computer using our CapitalOne cards from XXXX XXXX, all were denied, but a new XXXX XXXX  recycling fee was added to the total? At this point here are my problems : Four card denials which will reflect on my prior credit rating of XXXX ; I now have lost the monetary savings offered in the sale price of the computer, so it has cost me money ; my XXXX birthday gift has created much stress ; Capital One is the pits! FCPB..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states 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. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

I have a capital one XXXX card and the bank is not crediting my payments on the date of receipt in accordance with the Truth in Lending act section 1026.10 ( a ). for example I made a payment via web electronically thru their app of {$900.00} on XX/XX/XXXX which they received XX/XX/XXXX ( XXXX ). I had to call today to get the payment " hold '' released. they wont tell me why my payments get held nor when this might stop but I know its against the law. i work in banking and I know that by holding payments, they increase their income tremendously. it needs to stop. this is the third tome in a month I've had to call to get my payment credited. please tell me how to help them understand truth in lending ;
Product: Credit reporting

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a student and do not have the money to be represented by an attorney or any other agency. I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter?
Product: Credit card or prepaid card

From the day I opened my American Express, Delta sky Miles card. I had text message reminders set up to pay my bill on time. After looking over one of my statements, I realized that I had been getting text message reminder sent to me two days after my due date and being charged late fees and interest because of this American Express purposely sent me text reminders after the due date for my payment and then charged me accordingly I reached out to them and they refused to do anything about it. I offered to send them screenshots and they said that they were not able to get screenshots this is the second account in which I have been lied to and the result has been me unable to continue to pay for my credit card.
Product: Credit reporting or other personal consumer reports

My account with Wells Fargo was never late! I have had exceptional payment History With Wells Fargo and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/year> to be removed. Wells Fargo never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
Wells Fargo - XXXX
Product: Credit card or prepaid card

Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.
Product: Debt collection

I canceled my cellular service with XXXX XXXX XXXX in XX/XX/2020, I was contacted in XXXX regarding the debt and have been trying to work with them on settling the debt for a lesser amount, the bill collector has refused numerous tips to settle this debt. I dont feel that I should pay the full amount because I can disconnect the service due to false bills, poor service and them not meeting the standards that they set for when I first got the service.
Product: Money transfer, virtual currency, or money service

Several amounts were taken out or tried to be taken out that I did not authorize no one was able to be contacted by phone all was done by messaging service and little to no help was provided and still til this day things are trying to come out of my account had to change my direct deposit because of this
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXXXXXX XXXX from XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$2200.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello TransUnion, there is an inquiry on my TransUnion report for a credit union called XXXX XXXX XXXX dated XX/XX/2018 or XX/XX/2018. I did not authorize this credit union to pull my credit, this inquiry is fraudulent. Additionally I am requesting this inquiry be deleted due to being fraudulent. The credit union did not follow the FCRA extended fraud alert either. They never contacted me so they also violated that. Additionally, I noticed there were some soft inquiries from XXXX XXXX, or retail information. I do not do business with this company and this should be blocked as well. There are several soft inquiries I did not authorize. Additionally you have my address listed as XXXX XXXX XXXX XXXX ( Null ) this is incorrect. My correct address is just as listed. XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2
Product: Debt collection

3rd party collection agency called not only me but my wife, advised agency debt was from a car accident that wasn't caused by us and health insurance was still given just incase. advised as a dispute. still agency called after, when called all they asked was if they was speaking to first and last name I said yes, then they proceeded to state mini XXXX with out any further verification. I then advised after the 4th time they called including today XX/XX/20 and XX/XX/20 doing same thing that I already advised the account was not our responsibility I have the info to send in to dispute account and will send in police report attached. I then asked if this was a 1st party or 3rd party collection agency, employee advised 3rd I then stated aren't you supposed to do a second form of identification date of birth, S.S, something before going through any PPI do to FDCPA employee stated yes but that he can say certain things prior, I said yes but certain things aren't disclosing all the info of the call. he then stated he's aware of FDCPA and was following company policy I stated well if your aware of the FDCPA then you would know doing something incorrectly that violates that law not only your company can be sued but you can also. he then stated " if that's what you would like to do go ahead '' while trying to speak over me which is also a form of rude and intimidating procedures. I advised mark as dispute and mark in notes if your going to call make sure you correctly verify who you are speaking to before releasing any further info. I wasn't going to complaint but seeing how careless he was when advised I feel maybe someone in the company should advise them how to correctly collect a debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to rebuild my credit after several hard years. I signed up for credit monitoring with Experian and continually received emails telling me to increase my available credit so I can increase my credit score. I took their advice and have had the complete opposite effect. I am so deep in debt after increasing my available credit that I can not do anything except sink, AND, my credit score has never improved despite having a 100 % on time payment history which is now about to change because I can't afford to continue making all of these credit card payments.