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

15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT.

Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX  XXXX Reported XXXX Amount {$2000.00} XXXX XXXX Reported XX/XX/XXXX Amount {$590.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$10000.00}
Product: Credit card or prepaid card

I currently have two credit cards with CHASE, of which I am trying to pay off the balance, unfortunately, I lost my employment and income for a few months, and subsequently had to use my available credit. I have made my minimum monthly payments, however, the interest rate fees are extremely high. On one card Chase/XXXX, the monthly interest fees are no less than {$20.00} ( last statement was {$22.00} ). The second card Chase/Freedom, the monthly interest rate is also no less than {$20.00} ( on my last check, {$26.00}. I have attempted to find out if there are any other options than the current one they offer for Covid 19 Financial Relief, however, it does not mak any sense at all, when payments can be differed, but interest rates continue to get charged monthly, and they still report to the credit bureaus. How can charging interest and affecting your credit be of any assistance? -- I was able to get on a payment plan with XXXX XXXX making a minimum monthly payment and no finance charges, in which it gets taken out of my bank account, and I never thought that would be possible with them. 

Below are the terms for which CHASE are willing to offer their " financial relief ' : This COVID-19 payment assistance program may help you delay the monthly payment on your account. 

**By enrolling my account ( s ) in this payment assistance program, I affirm that I'm experiencing a financial hardship related to COVID-19. 
Keep making your payments if you can. We'll continue to charge interest according to the terms of your account, where applicable. Your payment history, including payments deferred under this program, may impact your eligibility for future credit. 

**For credit cards and home equity lines of credit, we'll consider your payment history, including payments deferred under this program, and may cancel or restrict available credit lines consistent with your Cardmember or HELOC Agreement. For example, we may reduce your credit lines. We'll show accounts that are eligible for this program or other forms of assistance. 

**Please note : You must read the program terms and conditions for each account. They're different for each account type. 

HOW IS THIS HELPING THEIR CUSTOMERS IN A PANDEMIC?, they are still making money off their customers/clients, even in the midst of a Pandemic, when a lot of creditors and companies are willing to work with their clients and not lose their business? That is taking advantage of their clients that are trying to save their credit and keep their account status in Good/Fair standing. In my particular case, I'm not looking for a " deferred '' payment, I am looking to make my monthly minimum, in order to try to pay off my card/account. Why are some financial institutions or banks not willing to forego the interest rates for the time being, in this case CHASE? I do not think it is an unreasonable request, given a lot of customers are currently unable to make any payments on their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok, I have the proof attached from XXXX XXXX  ( my former lender ) that they mistakenly reported incorrect information on my credit report that is currently damaging my character as a good credit worthy individual.

I just want Experian to MOVE the DELINQUENCY and stop sending me my credit report in the mail cause it is not what I am asking for ... .. I tried reaching Experian to dispute and show them the Original letter signed by XXXX XXXX but i guess they are tired of me and blocked my privileges to dispute online and they never answer my call when im transferred to the dispute department.

This should be my final dispute!! What more do they need????
Product: Debt collection

ERC, sent a letter about a XXXX XXXX XXXX  bill not paid, i received letter, then sent a check for {$700.00} in XX/XX/2021, now they are saying bill was never paid, i have proof of payment, I need this resolved
Product: Debt collection

true accord contacted me about money that I owed to XXXX XXXX bank they told me I could settle for XXXX I paid XXXX which I over paid by mistake. in am on disababity and I need that over payment back to me they said they would also take this off my credit report if I paid and would return my over payment back to me
Product: Mortgage

PHH Mortgage Services is assessing me {$2600.00} as closing costs from the transfer of my Mortgage with XXXX XXXX. This can't be legal.
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORTS I NOTICED A CAR LOAN THAT XXXX MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Amerifinancial Solutions has inaccurately reported on my consumer credit report. It shows the account was opened on XX/XX/year> which is incorrect. The balance is reflecting {$920.00}, which is incorrect. I have sent letters expressing that they have violated my XXXX rights. The fact that this was from the emergency room, they have violated my rights. I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request was twofoldvalidation of debt and XXXX authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been validated by me.
Product: Checking or savings account

On XX/XX/XXXX or XXXX, XXXX  I deposited a check into SoFi that was held for XXXX days then cleared. I spent the money. The next day they returned the check to the original bank. This left me overdrawn {$1000.00}. They restricted all accounts. I can't deposit or withdraw. They called asking me to deposit and I agreed. XX/XX/XXXX the deposit from my other bank was denied because the account is restricted. When I ask how to fix this because of the restriction they say 'that 's a good question '. 
Then they liquidated my investment account with {$31000.00} to settle the {$1000.00}. Thats fine, but now they wont return the other {$30000.00}. No communication and no answers from SoFi. I get transferred around until I get disconnected. Its been XXXX ( XXXX ) weeks.
Product: Consumer Loan

I traded my XX/XX/XXXX F150 XXXX. They financed me for a XX/XX/XXXX XXXX Corolla. My old finance company is United Auto Credit. They have called me every day in regards to my payment. I explained to them I do not own that vehicle anymore. I told them XXXX XXXX will send them the payoff. They continue to harass me daily. I just got off the phone with United Auto Credit as they admitted talking with XXXX XXXX XXXX, yet told me until they receive a payment the calls will continue. Let it be known I have never missed or been late on a payment. 

When I requested to speak with a supervisor they only sent me to a recording. I can not seem to get them to work with me at all. I did speak with XXXX XXXX about the issue. They insured me it will be paid, as I trust it will be. I know there is a process the bank has to take before sending a check. I do not want any bad di gs on my credit do to some underground lender like United Auto Credit. As I did some research on the XXXX, I noticed that I am not the only XXXX having similar issues. At the interest rates they are charging the least they can do is work with someone. Especially when you have dealer that size paying off your loan.
Product: Credit card

In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on.
Product: Credit card or prepaid card

I purchased a prepaid XXXX gift card from XXXX at a XXXX XXXX {$500.00} use it a couple of times maybe XXXX or XXXX and every time I used it it was I had to call the customer service for sometimes XXXX or XXXX hours wait to get okay for every time finally near the end after somebody else was charging on the card also they shut it off with about a couple of XXXX dollars still left on it and that's the last I've heard of it can't get any more information on it thank you
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute and Cease Communication Request for Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary.

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same.

I request that you : Confirm receipt of this dispute and cease communication request in writing.

Cease all further communication with me concerning this alleged debt.

Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made.

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes in light of the recent CFPBs lawsuit highlighting significant issues with the platform. I have used Zelle on many occasions and I have reported discrepancies and my financial institution and Zelle failed to investigate my claims adequately. I was informed 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.
Product: Debt collection

I was contacted my Central Portfolio Control over a debt from XX/XX/XXXX that was included in my bankruptcy from XX/XX/XXXX. The first time the company called me they were very rude and tried to intimidate me. Upon telling them that I filed bankruptcy they hung up on me and stopped calling but still put the debt on my credit report and even lied about the date. They stated it was opened XX/XX/XXXX which is a lie because the original charge with XXXX XXXX was from XX/XX/XXXX for my last XXXX XXXX. I spoke with XXXX at CPC on XX/XX/XXXX who in turn spoke with my lawyer 's secretary and the called me back to state the debt would be removed. I disputed the debt online on XXXX  per my lawyer 's instruction before XXXX ever called me back that day to say it would indeed be removed. The dispute came back as the debt will remain on.my credit report. The dates reported are false, XXXX at CPC XXXX stated the debt would be removed but lied to me. I would have not of filed bankruptcy at such a young age if it weren't for several medical bills for a XXXX  illness but I had to and it was XXXX and Central Portfolio Control is still trying to punish me. I should not be punished for a chronic illness/disease that has caused me to have several surgeries and XXXX XXXX  surgeries so far especially if I have filed bankruptcy to have it all removed and am trying to do better. I don't owe XXXX XXXX a dime anymore and have never conducted business with Central Portfolio Control, therefore I don't owe them for sure. I also have never received a bill for this charge from CPC, just one phone call where I told them I had filed bankruptcy and apparently that XXXX them off. I also never received a bill from XXXX XXXX for that charge since I filed bankruptcy so there was no way of me knowing this bill was even out there needing to be resolved. CPC eventually quit calling me and placed the charge on my credit report negatively. My lawyer is XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudlent hard inquiries on my XXXX and Equifax report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX XXXX  XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Product: Credit card

I paid {$200.00} toward my balance on XXXX XXXX. My due date was XXXX XXXX. After that date passed, I began receiving collection calls stating my account was past due. When I explained that I made my payment early, the representatives kept saying that the payment I made on XXXX XXXX went toward my XXXX balance, even though I already paid -- on time -- in XXXX. They then stated I would need to make ANOTHER a payment for XXXX to get my account current. They claimed there was nothing they could do in their system to apply the XXXX XXXX payment to my XXXX XXXX due date. And even by making the additional payment, there was nothing they could do to make sure my " late payment '' would n't be reported to the collection agencies. On top of everything, each representative I spo to seemed to have no idea what my problem was! They could n't understand that my payment on XXXX XXXX was an EARLY payment for XXXX XXXX. Whether it was due to a language barrier or sheer incompetence, the company line of " I ca n't do this, that 's not possible, nothing can be done '', XXXX, is terrible customer service. Try being more solution-oriented and stop treating paying customers like criminals by sending them to collections. How dare you treat me that way and then have the audacity to charge me an additional payment forcefully so I would avoid having a ding on my credit report. 
As of today, my credit report now shows that I was over my balance limit. It went over balance due to a late-charge fee, which they then removed. The over-balance information is now currently wrong, but it is still on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate 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: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 
This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in Question
Product: Debt collection

Porfolio Recovery Associates has been repeatedly calling my home over the past 9 months inquiring about my late sister-in-law. She recently passed away and I am her estate executor. I have asked the agent what the nature of the call is and they will not tell me, saying they need to speak with her. I am confident she had no outstanding debt of any kind. I have repeatedly blocked their phone number in an attempt to stop the harassment but they continually call from a new phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency experian and XXXX seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent. 

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an RV I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of XXXX years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as XXXX should not be able to charge {$0.00} to retrieve a credit score when Experian provides it with the free credit report to which all Americans are entitled.