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

I am using ciiti credit diamond. As per the card benefits if i purchase a flight ticket with citi credit card for full amount .for any reason if i cancel the ticket or not shown up or any problem if i cancled my ticket. citi card will do full refund and they protect me. For some reason i canclled my ticket and claim with citi benefits to get my refund, but now citi card claims department saying it will cover for some type of reasons they will refund not for all. Which i dont know and they did not mentioned any where else. 

Cliam submitted to the below email id # XXXX flight ticket purchase date : XX/XX/2019 Flight ticket purchase date : {$1300.00} Refund i recieved from XXXX XXXX  : {$970.00} Claimed with citi card benefits : {$350.00} Thanks
Product: Debt collection

I have written to formally dispute the charges on my XXXX XXXX lease ( Account Number : XXXX ) as well as the predatory practices and harassment I have endured since XX/XX/year>. 

During the COVID-19 lockdown, I made multiple attempts to return the vehicle in accordance with the lease agreement terms, but my return was refused due to dealership closures and restrictions related to the pandemic. Under the terms of my lease agreement, I was entitled to return the vehicle at **Normal Maturity Lease End** or **before** the lease end date. 
The refusal to accept the vehicle directly violated the agreement, which stipulates that I may return the vehicle either to the dealership that leased me the vehicle or to any other location that you designate. Despite my efforts, Ally Financial and its affiliates failed to honor this contractual obligation. As a result of your refusal to accept the vehicle, I have been subjected to unjust and predatory charges, including excess mileage and wear fees that would have been waived had the return process been followed as outlined in the agreement. 
These charges were imposed despite my good faith efforts to comply with the lease terms and the extraordinary circumstances of the pandemic. 
Additionally, XXXX consumer protection laws, which were enforced during the pandemic, specifically protected consumers from predatory practices, including refusal to accept lease returns. 
Your refusal to accept my lease return during this time violates these protections and constitutes a breach of contract. 
In addition, I was also deprived of a fair opportunity to settle my lease under the best financial terms. 
This refusal resulted in unnecessary excess fees and charges, making them predatory in nature. The contract outlines that excess mileage and wear fees are capped by the vehicle 's residual value. But since I was unable to return the vehicle, these charges have been wrongfully imposed. 

I request that you immediately : 1. Remove all charges related to the excess mileage, wear, and other penalties.

2. Correct the derogatory information on my credit report and provide me with a deletion letter.

3. Confirm in writing that this issue has been resolved and the charges removed.

Please respond to this dispute within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). Ally financial has all records of numerous attempts to dispute this with their employees at call centers and emails messages that went unanswered through their portal. I expect a resolution to this matter promptly and will escalate to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX if necessary. 

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

I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and these accounts were fraudulently opened in my name. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 infeasible. The CPFBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Acct : XXXX Acct type : Debt Buyer ; has violated my rights. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1681 section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Removed and delete all account in accordance with laws listed above
Product: Debt collection

I received a letter from this company demanding a fraudulent debt. 

This claim was alreaduy remvoed from my credit reports beforehand after I filed it with the police.
Product: Credit reporting

I received a letter from an attorney 's office saying they took over my XXXX account so I faxed in the letter asking for them to remove the XXXX account off my credit report since the account is no longer with XXXX and the new creditor is not reporting it at this time. They updated the balance and still have it showing from XXXX even when I submitted documentation. XXXX can not report an account they no longer have. Equifax is the only credit bureau who does n't do what they are suppose to do. Even with My XXXX XXXX account they have never been able to validate the account only the original creditor who is not reporting. By law the collection agency has to have documented proof. Equifax needs to remove this account off my credit report like the other CB. I 'm going to start notifying the press and whoever else that will listen because apparently they do n't know the laws for reporting and validating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is in reference to my Macy 's credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called Macy 's earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.
Product: Debt collection

I C System has been sending me collection notice in the amount of {$2300.00} the collection has been reported as pass due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX Green Square and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and XXXX XXXX and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020
Product: Checking or savings account

I have saved over XXXX dollars with the XXXX app. Your institution has stopped XXXX  from accessing my money to help me save. I want it back available to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Suntrust has been paid in full for over a year. A month ago, Suntrust reported to XXXX   credit bureau that I filed bankruptcy. I have not filed bankruptcy and this erroneous report has caused by credit score to drop 42 points.

This is not the first incident with incorrect, fraudulent activity on my account by Suntrust. Suntrust continues to use someone else 's information and social security number and associate them with my account. I've spent countless hours informing Suntrust of their errors, but they never take ownership, they point fingers, and the harassment continues.

The bankruptcy reported by Suntrust needs to be taken off my credit report. My account is paid in full and closed. Suntrust is not permitted to place any updates to my satisfied account. This is fraudulent and done without my knowledge, and consent. It is identify theft from a company who is suppose to protect the accounts, and personal information of their consumers.
Product: Checking or savings account

My employer offers a high deductible health plan through XXXX. As a part of the plan, I have the opportunity to use a health savings account to help me save up for health care expenses. My employer has elected to use Optum Bank as the sole provider for managing our HSA accounts. While I haven't had any problems using the account or debit card, Optum Bank is not paying market rates or offering a viable alternative without going through hoops. Currently, the bank is paying 0.01 % APY, meanwhile short term interest rates are hovering between 4.75-5 %. Many online banks and competitive local banks are offering significantly higher market rates. Optum does allow investment in money market funds and mutual funds, but we are required to carry {$2000.00} in the bank account before we have access to those options. Optum also gives the option to rollover funds to another HSA provider, but charges {$20.00} per transfer. This is effectively holding our HSA funds XXXX and paying virtually no interest. They are taking advantage of consumers that have no other choice but to keep their funds with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly state that a failure to investigate theses items Within 30days gives a reason to immediately remove those items from my credit report its been over 60days So they should be deleted promptly I demand theses accounts be deleted immediately or I will file a litigation due to the stress you caused me.my information was also impacted by the equifax data breach and my have got into the hands of the wrong person.
Product: Prepaid card

XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience 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 months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

An account from 9-10 years ago was recently placed on my credit by Quality Asset Recovery of New Jersey. The amount is XXXX, original creditor XXXX XXXX XXXX XXXX XXXX for  tuition assistance in XXXX or XXXX while I was active duty military for the XXXX. Apparently While cleaning up accounting records the XXXX and XXXX decided to send old debt to collections. QAR is the collection agency. QAR either doesnt know or doesnt care that debt is 9-10 years old and placed it on my credit in XX/XX/XXXX. I decided to call and explain it was too old to be placed on my credit original date of delinquency at least 9-10 years old. When I called, I verified phone, name, address, ssn so they could locate my file. Once they figured it out they said the person to handle my case wasnt available and they would call me back. I said I Do Not want them to call me ever, I do not give them permission to call me. I will call them back and the operator became immediately rude. They called back shortly and I did not answer. They attempted to call the next day a couple times and I ignored them. Apparently they found an alternative # which was my wifes, she actually spoke to them until they became belligerent and she told them she will not let them talk to her that way and hung up. When I arrived later she told me what had happened so I called to explain what dont call means. When I called and talked to them about it the operator said something snide and hung up. I tried again, same thing happened. I tried again and XXXX XXXX answered and tried to overtalk me, I shouted him down and told him to never call again and blocked their #. XXXX XXXX is the one who talked to my wife in a demeaning manner. She was taking his number, asked for it a second time and he said let me slow it down for you, threeeee ( pause ), fivvvvvv ( pause ). At this time, my wife told him she was not stupid and he didnt have to act that way. Anyhow, this company was rude and aggressive, told not to call and did multiple times, reported an account as delinquent as of XX/XX/XXXX when it was more like 10 years ago. They also have it listed as medical debt when it has nothing to do with medical. I compel you to have them bring proof of original debt and once it is determined to be past the 7 years they need to have it removed. This company is an example of why the Fair Credit Protection Act was created.
Product: Credit card

XX/XX/XXXX, I transferred the debt balance from XXXX Credit card to XXXX XXXX Credit Card. XXXX XXXX paid the debt off for XXXX and put it on my XXXX XXXX Credit Card. XXXX will not remove balance from my credit card or credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears my file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 or information which is found to be opened due to identity theft. The dispute 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 discard these files. 
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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within XXXX business days per as per USC 1681c-2
Product: Debt collection

XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So, for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So, for the sake of peace I paid this unknown, due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report, I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence, this " ghost debt '' would 've remained.