23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Mailed to Amex XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Im my envelope I sent information regarding the state law of XXXX  regarding the SCRA. I sent my husband XXXX XXXX orders that prove I am his spouse and we are XXXX  in XXXX. I sent his XXXX, proof of address and XXXX orders. As of today I have not heard anything. When I call in the AMEX contact information they say they cant not help me and give me a number to call but that number doesnt work. Every other credit card agency I have received notice and approval from but not American Express I have heard nothing!
Product: Checking or savings account

We were moving across state, and needed to access our savings account. We went over our 6 transfers, and got assessed a XXXX dollar fee, however, we did the 7th in branch and said they would cover the fee, however not only did they not do that, they gave a non sufficient funds fee asseed because we had to withdraw our money to cover unforeseen expenses. So, they gave us a few, and a NSF fee as well. A double threat, and their response was to refund half, instead of refund the NSF fee, and we would've been fine paying the excessive use fee. At this point it's simply principle. Also, wells Fargo is notorious for doing shady things anyways.
Product: Debt collection

On XX/XX/XXXX I wrote a personal check numbered XXXX to The  XXXX XXXX. Due to a miscalculation on my part the check was returned to The XXXX XXXX NSF. I expected them to resubmit the check and made certain that I maintained sufficient funds to cover the check. In late XX/XX/XXXX, I received a communication from TRS Recovery Services regarding the check dated XX/XX/XXXX. A few days later I received a second communication regarding the same check dated XX/XX/XXXX from TRS Recovery Services. I went to my bank on XX/XX/XXXX and procured a Cashier 's Check in the amount of {$150.00} ( which included the amount of the original personal check of {$130.00} and the {$25.00} returned check fee ) and numbered XXXX. I immediately mailed this check via USPS to TRS Recovery Services Payment Processing Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. The Cashiers Check was cashed on XX/XX/XXXX and posted in my bank on XX/XX/XXXX. While the Cashier 's Check was in route to California, The XXXX XXXX resubmitted my original personal check numbered XXXX to my bank and it was honored. 

I contacted TRS Recovery Services on XX/XX/XXXX and spoke with XXXX XXXX to tell them the check was in route. I did not know at that time that the original check had been redeposited and had cleared. After finally figuring out what had transpired, I contacted TRS Recovery services again on XX/XX/XXXX, XXXX spoke with XXXX XXXX. I explained to her what had happened. She informed me that they were not equipped to handle refunds, etc. except through their website ( XXXX ). I submitted through their website the forms ( there was no manner to submit documentation ) and awaited their answer. I received their reply today, XX/XX/XXXX. Thus, the reason for my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Debt collection

I was contacted by portfolio recovery associates to collect a debt from a XXXX credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish an account without my consent.
Product: Debt or credit management

I entered into a lease-to-own agreement with Koalafi on XX/XX/year>2024, for a mattress priced at {$2400.00} ( including tax ). I understood that if I paid off the lease within 120 days, I would avoid additional fees. However, due to financial constraints, I was unable to meet the early purchase deadline by XX/XX/year>2024 ( by one payment ) Despite this, I have already paid $ XXXXmore than the original cost of the mattress. However, Koalafi still demands an additional {$900.00} to buy out the lease, bringing my total cost to over $ XXXXnearly double the retail price. 

I attempted to negotiate a fair settlement, but Koalafi refused to lower the amount beyond {$900.00}. I requested written confirmation of this balance to ensure there were no additional fees. I also raised concerns about the misleading nature of their pricing model, which forces customers to pay well beyond an items value to complete their lease. 

While I acknowledge that I missed the early purchase option deadline, I believe Koalafis lease-to-own structure is still unfair and predatory because : The total scheduled payments far exceed a reasonable cost for the item. 
Consumers are led to believe they are making payments toward ownership but end up paying double the retail value. 
Koalafi offers no fair settlement options, even after I have already paid more than the items original price. 
I am requesting either a full waiver of the remaining balance or a formal investigation into Koalafis leasing practices. Consumers should not be forced to pay double the value of an item just to obtain ownership.
Product: Vehicle loan or lease

Car was sold in XXXX to XXXX. 

I no longer had the car in my possession XXXX  had the title and I signed the car over to them. It was no longer my responsibility for that car. 

Long story short Ive gotten two late remarks on my profile for XXXX and XXXX. When I no longer had the car at all. Ive told PNC Bank the issue and they said it was a error on their end. So I asked them what I should do they told me to send a letter to head quarters. Ive done that numerous times and never got a response. So now Im here sending a complaint because they refuse to fix the issue and its very stressful.
Product: Credit reporting or other personal consumer reports

Reported inaccurate information on my Credit report
Product: Credit reporting or other personal consumer reports

I have asked and disputed this account multiple times, it was verified as belonging to me without reason, no documentation or proof of validation was provided to me which is a violation of my rights. 

Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Account name : XXXX XXXX XXXX Account number : # # # # # # XXXX I requested the following : * The amount you claim I owe * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information and it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, this account must be deleted, Well I want this account deleted!!!
Product: Credit reporting or other personal consumer reports

So I have been disputing a collection account on my credit for years and today when they finally deleted it. they adjusted my score DOWNWARD? Why if a incorrect account on my report is deleted would my score drop not increase. ALl of the other bureas when the item was deleted the score increased XXXX approximate points. Why would removing an inaccuracy like a collections account make my score decrease. There have been no other changes to the account. I pay my bills on time and am working very hard to improve my score so that I can buy a home. I would like them to show me the method that they use to justify a decrease in my score instead of it rising back to the level it was on prior to the inaccuracy being put on my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that XXXX, XXXX, and TransUnion thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$4800.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$41000.00} XXXX XXXXXXXX Balance Owed : {$32000.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my service provider and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!
Product: Vehicle loan or lease

PNC purchased BBVA. My loan payments did not correctly convert I guess? I never was late pay, see other accounts on my credit bureau. NO LATE PAYS. Please help as I am trying to buy a house and this one single account and causing a lot of problems. I have refined loan to another better bank and show a clear history too. 

I called PNC and they will not respond. What I am to do? 

This is not fair credit reporting for my history. Thank you
Product: Checking or savings account

Navy Federal has closed my account due to accumulating overdraft fees. Despite my efforts to manage the situation, the fees continued to add up, leading to this unfortunate outcome.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 raises serious concerns on consumer safety
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was victim to a crypto scam where an individual which I later found out hacked my friends XXXX to lure me into investing with Bitcoin when they kept asking me for more money to get my payout and started asking me for my email and XXXX login information to verify I immediately flagged it as a scam. Every time I sent money they request more or had another reason that I need to send money to recieve a {$250000.00} payout. I called my bank capital one to report it and they began investigating on XX/XX/XXXX I also contacted XXXX where the transactions occurred and they said even tho it was sent to a bogus acct the funds transferred successfully and there was nothing they could do. The bank asked me to provide profs I hadnt received the money back along with transcripts between me and the scammer as well as me and the website it occurred. Upon providing this information they still denied my claim. {$4900.00} dollars is the total amount I am pursuing and reflects all of my savings. Most recently on XX/XX/XXXX said individual reached out to me again via XXXX stating they would send the money today but I will have to send them an additional {$300.00}. I contact capital one again to add this information to my claim but they still have denied it and refuse to reopen the case
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this problem resolved with XXXX, Equifax, and XXXX concerning erroneous and inaccurate items on my consumer report to no avail. XXXX has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. 
The following accounts continue to show up on my consumer report month after month : U S DEPT OF EDXXXX Account XXXX XXXX and XXXX Account # XXXX. XXXX XXXXXXXX XXXX  Account # XXXX and US OF ED ( Original Creditor : XXXX XXXX XXXX Account # XXXX These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I utilized Affirm to make several purchases at XXXX. I paid all of them off except one due to unforeseen circumstances. I reached out to Affirm to settle the debt and was told it was too late??!! I never received anything regarding the balance from a collection agency. Now, my credit report is showing 3 different balances past due since 2017. Still no information is provided regarding balance or payment schedule. I know that I don't owe 3 and how can I possibly rectify it?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I am writing to request a reinvestigation of the following items ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

Disputed Item ( XXXX ) : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account XXXX Charge off Balance {$1000.00} XXXX. Northstrom TD Bank XXXX XXXX Princess XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX Charge off {$1600.00}. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX Charge off {$4500.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX Charge off {$8100.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Account XXXX Collections {$3100.00} XXXX. XXXX XXXX XXXX Account XXXX Collections {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Collection {$740.00} XXXX. XXXX portfolio services XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX Account XXXX Collections {$2300.00} Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX