23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX sent a letter to XXXX XXXX XXXX. 
XXXX XXXX XXXX has discriminated against because It is my FEDERAL RIGHT to DEMAND TO REDEEM IN LAWFUL MONEY IN PURSUANT OF TITLE 12 U.S.C. 411.

Title 12 U.S.C. 324 requires member banks and Federal Reserve Banks to comply with lawful money redemption demands. This gives me the right to demand the redemption of FRNs for lawful money and ensures that my account transactions are properly processed. 
All banks and thrift admitted to membership under authority of this section shall be required to comply with the reserve and capital requirements of this chapter, to conform to those provisions of law imposed on national banks which prohibit such banks from lending on or purchasing their own stock and which relate to the withdrawal or impairment of their capital stock, and to conform to the provisions of sections 56 and 60 ( b ) of this title with respect to the payment of dividends ; except that any reference in any such provision to the Comptroller of the Currency shall be deemed for the purposes of this sentence to be a reference to the Board of Governors of the Federal Reserve System Failure to comply with this demand will lead to escalation to the Comptroller of the Currency, as outlined in 12 U.S.C. 324 and FEDERAL LAWSUIT for DISCRIMINATION against Title 12 U.S.C. 411.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX TO UNLOCK MY FRAUD AND FREEZE INSTEAD THEY ADDED 7 MORE YEARS THEY DID IT THEIR PHONE CALLS ARE SABATOSHED. THEY DRIVING ME XXXX INSANE THEY AUTOMATICED DID ON THEIR OWN WITHOUT MY CONSENT. I HATE EXPERIAN ALL THEY DO IS DRIVE PEOPLE INSANE AND CANT GET THROUGH TO THEM THEY ARE VERY WRONG! I WANT MY CREDIT FILE UNLOCKED! THEY DID THELOCK ON THEIR ON THEIR OWN WITHOUT MY CONSENT! UNLOCK ALL MY CREDIT REPORT! WHAT KIND OF BUEREU ARE WRONG!!! I HATE IT IM GOING TO COMMIT XXXX  AND IT WILL BE CAUSE OF EXPERIAN!
Product: Vehicle loan or lease

Santander is reporting that I am late paying truck not. However, I have not been late.

This creditor has violated my rights 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card and or account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : 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

XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

On the XXXX, XXXX  statement my account was charged {$120.00} in interest. 
Since i did not agree with the charge i did not pay it. But paid the full amount as we always do every month. 
On the XXXX XXXX XXXX statement the interest charge is {$130.00} The company explained the reason for the charge in the XXXX statement was due to being short {$4.00}. We paid the {$4.00} the following month. 
We requested a waiver based on our perfect record of paying on time and the full amount every single month for more than XXXX  years. 
Our request was declined, the company said because it was not a bank error there is nothing they can do. 
It was an oversight on our part, however, it is abusive, offensive and ridiculous to be charged {$120.00} and now {$130.00} in interest for a debt of {$4.00}. 
Hopefully you can assist us in solving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Mortgage

We contacted SunTrust bank on XX/XX/XXXX to refinance our current mortgage. We completed the paperwork shortly after XX/XX/XXXX. They ran our perfect credit and found no problems. It is now XX/XX/XXXX and they still have not closed. They contacted us a couple of weeks ago and said they had to run a credit check again. 5he check has unaffected our credit score. We have also been paying our mortgage at a higher rate and amount since XXXX. They will not return calls and emails.
Product: Checking or savings account

I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. 

My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. 

I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. 

If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. 

I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Transunion on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to XXXX XXXX. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.
Product: Checking or savings account

Account opened online in XXXX and was promised a {$400.00} bonus after depositing $ XXXX. Terms stated was 60 days and its been way over 60 days and still didnt get the offer. 

They are saying I didnt get the offer of {$400.00} and got a different offer instead of interest ( of 1 % which is ridiculous ). I did the application online through a Citibank link stating that I will get {$400.00} bonus ( sole reason why I opened the account ). Unfortunately, the link no longer exists cause they now have a new promotion. 

I found a lot of complaints online regarding this offer and would like help to resolve this.
Product: Credit card or prepaid card

I paid Snycrony off for XXXX XXXX ( flooring ) ; promotional amount et al.via XXXX payments on the same day. Unaware they cancelled my second payment, I focused on the other damages/ payments to my home as a result of this service/ situation ( " termites '' / XXXX )/ they'd already exposed my home and I was expecting at the time/ had to finish ). They then began writing and calling just past the point of fixing this equitably and charged the promotional interest. Speaking to several " agents '' since they've admitted canceling and causing this issue but will not reverse/ remove all bogus interest charges despitetryingtogo throughtheir mediation process and being out of work. So far, I have only been routed through an XXXX call center. I'm not confident this isn't a scam, even on behave of Syncrony. They supposedly have a file and recordings admitting fault. I don't have additional money for bogus charges, as I had to repai my home after exposure, I'm still getting treatment for termites, and still sick from XXXX symptoms and not recovered financially, etc.
Product: Credit reporting

hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much
Product: Credit card or prepaid card

My Discover card was on Auto-pay when I left for vacation in early XXXX. My bill due XXXX was {$1200.00} and I had {$1800.00} in payments due to a refund and my weekly payments. Auto pay in full was added to start on my XX/XX/XXXX bill. my Vacation over seas was XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX my bill was paid in full. AFTER my bill was paid in full XXXX {$65.00} was paid from my small weekly payments ( I should have a {$65.00} credit at that point ) XX/XX/XXXXXXXX XXXX XXXX XXXX  charged for a touch up kit that should be under warantee ( disputed ) Starting XX/XX/XXXX many charges under {$20.00} appeared on my card. The last charge I authorized on my card was XX/XX/XXXX. All charges after that are fraud. My XXXX bill showed a credit and my XXXX bill shows a {$33.00} balance due ( about {$85.00} difference ) since then my Discover card app shows another {$10.00} charge. I've spent hours getting passed between departments with Discover. A senior sales rep stayed on the phone XX/XX/XXXX for over an hour and saw how each department sent me to another department. Her manager was supposed to call me today ( no call ). I asked for her direct line. No direct line. She was XXXX in XXXX  ( That's all they will share ) I still show I owe for charges in XXXX  on my recent bill ( I'm in XXXX  but fraud was in XXXX  ). Please help me get this straight and close my account with Discover! THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Checking or savings account

My new Experian XXXX XXXX checking account was hacked. Several fraudulent transactions were pending on my account when I checked my balance today. Yesterday I could not access my account balance at all from the Experian app. A representative advised me last night there was an ongoing issue with not being able to view the account balance and try logging in later or tomorrow. So I logged in today only to find that my account balance was almost entirely drained from several micro transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX. I reported it to Experian XXXX XXXX but the agent said she couldn't do anything because the transactions were still pending and had not posted yet. Agent could not help with adding a fraud alert either and could not get me to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with equifax regarding my credit report. They have so much missing and outdated information on my report and it is causing my cc companies to lower my limits. They are saying I have no real estate loans, car loans, credit cards or any debt at all. I have real estate, car loans, and credit cards which is not being reflected on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I had an account reported to my credit over an issue that is still LEGALLY OPEN CASE ( XX/XX/2018 UNDISPOSED ) Case No. XXXX XXXX XXXX there was NEVER a judgement ruled over any balance, therefore this account is false and the balance is fictitious. Fabco is not even compliant with the Laws in the state of OHIO 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT ( C ) ( 3 ). I need this account removed immediately I am in contract to purchase my Home by the end of this month. 
The entire account is still in dispute in a court of Law. I will sue Fabco it this negative inaccurate account effects my closing on my home. There can not be a set balance if the XXXX County Municipal Court has NOT made any rulings. Due Process!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 XXXXdo n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and XXXX XXXX prooof of Cleared cheque.Except XXXX XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to XXXX XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -IQData .I have applied for Mortgagee loan and my Closing is on XXXXIncorrect collection showing in XXXX report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with IQdata and XXXX  XXXX XXXX  for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ihave sponken to the company and they said they would take it off but have not done so ... .i would like to please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION
Product: Credit reporting or other personal consumer reports

I had moved in XX/XX/XXXX and called Experian to change my address on my credit report to the new address. Not only did they fail to do so the first time after they said it was done. I called again explaining it was not changed and the same thing happened again. I called a third time and let them know this is my third time calling, I was told it was correctly done this time and I did see an update online but when I checked my credit report I was not able to check it. 

I was waiting for my address to updated so I can apply for credit for a {$2000.00} pre approval credit card and was denied and was told that it was due to no address being reported on my credit report. I also was trying to obtain business funding and couldn't 've done so until it was put back on my credit report. 

This has been since maybe XXXX or XX/XX/XXXX and have spent months calling them complaining about this, I was finally told that the representative deleted my correct address from ( 1 ) of the two locations where my address is supposed to be placed. The one they deleted, is the one that allows myself and lenders to check my credit report. 

They kept telling me that I would have to mail proof of identity using license and proof of address, I did so multiple times and kept getting responses saying that they dont believe the dispute was coming from me. I was also told to file the documents online which hasnt worked for months and they were made aware as well. This was all ridiculous since Id have to waste time and money on something that was an employees mistake. They gave me NO resolutions on the phone to fix their mistake even after speaking to a manager. This has caused me a huge inconvenience and wouldve been HORRIBLE had i been trying to get a mortgage. 

I havent been able to check my report or apply for anything for over 4 months. Im attaching proof of letters i sent them showing proof of delivery and signature as well as their repsonse saying they dont believe its me. I need them to place my address on my credit report. 

XXXX XXXX XXXX, XXXX, MA, XXXX D.O.B. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received the same email from Paypal to all XXXX of my accounts with Paypal about their upcoming " changes to our legal agreements ''. After reading their changes and blatant over-reach as a business service provider, on XX/XX/XXXX I began the process of closing all of my Paypal accounts, which included XXXX business and XXXX personal. After first removing all of my bank account and credit card information I then proceeded to close all accountsand was only able to close XXXX of the XXXX business accounts. After repeatedly receiving an error message that the accounts " could not be closed '' for the remining XXXX accounts, I called Paypal on XX/XX/XXXX. After several calls and finally speaking to a supervisor I was told my business account needed to be verified with a social security number and drivers license number, which I found untrustworthy since the account had been operating without it for almost XXXX yrs., and because of the new legal updates thousands of account holders were closing their accounts as well. As of the date of this complaint on XX/XX/XXXX my XXXX remaining account are still not closed. I was willing to provide the last XXXX of my SS # and drivers license #, which I was comfortable providing, but not my entire social because I believe they are deliberatly not closing my accounts, and thousands of others, so we would have oen accounts and suseptible to their threats to fine customers {$2500.00} for distributing what they deem " mis-information '' by their XX/XX/XXXX deadline to willingy close your account.