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

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and Equifax, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XXXX XXXX {$75.00} was deposited on my orginal acct of XXXX, then recieved a message to update my account to and all access acct which became XXXX which is now my current account, then XX/XX/XXXX came n went no deposits so i called asking where it was n they gave me da run around about it so sent all message to CEO he in turn sends me to a lady named XXXX XXXX she tells me she will handle it, in the meantime i do my own research and find that they have sent it to an acct i no longer use or have access too XXXX and they want me to verify everything which i did but then they want documents which i do not have cuz i lived there from XXXX to XXXX but XXXX verifies that this is where they sent my funds i use every month to pay my rent n for my medications, the bank verifies both reciever n sender that this account has my funds of {$2200.00} in it. I verified that da last deposit was recieved on XXXX XXXX of {$75.00} to acct XXXX which the bank recieving said i had to upgrade to XXXX on XX/XX/XXXX, today is XX/XX/XXXX and i still have not recieved any of my funds into my account
Product: Credit card or prepaid card

My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated by Experian due to their unwillingness to correct erroneous information on my credit report. I've contacted them in regards to this and they failed to investigate and modify or delete the incorrect information. They are in violation of the FCRA by their actions and by continuing to report without validating the information.
Product: Checking or savings account

I contacted an offer found on a housing swap on XXXX. The police said they did not have prior issues with this housing page. 
I responded to an offer to rent a unit near XXXX Colorado. The name on the listing to contact was XXXX XXXX. She advertised the room as near a bus stop, pet friendly, and the deposit was the same as one months rent. She sent me a rental application on XX/XX/2021 She then said her lawyer approved my application on XXXX21. I went to the unit after my bank wired her thr money to a bank in XXXX  XXXX Texas near XXXX. 
The owners of the property were home and said the unit was not for rent. They let me sit inside their home and call my bank to refund the money. I didn't recieve assistance that day so I went in person to a branch in XXXX. 
They took my story down after I filed a police report with the XXXX police. 
The bank representaive told me this happens sometimes but I was likely to get back 100 % of the deposit. She said if not I guarantee 80 % back in two weeks. 
That felt like a relief to hear. I called them two weeks later and the same rep talked to me. She said they could not send the funds back because her bank said no. The rep told me I should contact that bank and see if I get different results. I said they were a company worth multi millions of dollars. If the bank did not listen to Wells Fargo why would they listen to me. The rep said there was nothing she could do and no money would be returned to my account. 
I filed that report with their fraud department.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT While checking my consumer report, it came to my notice that your Company has furnished an account on my report.Without my written permission and also without giving me my right to opt out.

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX : XXXX
Product: Debt collection

My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!
Product: Mortgage

Old case # XXXX we had this resolved. Same bank different complaint. Equity line modified, term not principal even though the house was appraised {$77000.00} less then the new equity line. I think they beat you until you will take anything after fighting for 3 years. The new complaint is I had to obtain a lawyer to tell me to stop paying PNC or they will not respond I had to ruin my credit. I asked them after it was al said and done what do I have to do to make my new loan current. They told me I would be on a trial bases for 3 months. I asked if I could make XXXX payments early to get current earlier. They said yes. I made XXXX, XXXX and XXXX payments XXXX XXXX. I was imfomed the following week that XXXX payment went into XXXX and my other XXXX payments went to principal and I still owed XXXX, XXXX and XXXX. I have been abused by this bank for 3 years. I would like to meet with someone from your agency to discuss this in person. 

Regards, XXXX XXXX
Product: Debt collection

For XXXX years I have carried motorcycle insurance on a XXXX XXXX that I purchased that can not be driven on the road. 

In XX/XX/2021, I permitted the coverage to lapse rather than extend the coverage, as I decided that the insurance was too expense for a vehicle that I only drive in my yard. 

XXXX took it on themselves to extend the coverage that I did not want, and then sent me a bill for the coverage. I ignored the bill because they charged me for something that I never wanted or agreed to in the first place. 

Now they have sent the bill to collections, with Credit Collection Services. I carry homeowners and car insurance with XXXX, but clearly, it's time that I found someone else for insurance.
Product: Checking or savings account

I had already filed a complaint with US Bank their response does not make sense and this issue is not resolved. 
My account was compromised. 
Someone logged in from another device /location and linked to an external account. 
No verification was done to confirm it was me. 
Email alerts were sent and I did not receive them. I should be getting text messages. 
Money was transferred on XX/XX/XXXX, XX/XX/XXXX totaling {$9500.00}. There were not red flags raised stating this was against user patterns. I did not get any text messages indicating money was transferred just emails which must be gone SPAN and they tell me when I call to check my SPAM email when I call them. In this case I was not expecting any emails so if they happen to go SPAM email and I do not see them they are missed, SMS is better approach and should be enabled by default.

Also how can account be linked without any proper ID verification?

Their agent said anyone can link to anyone 's account now that is scary when account information is compromised.

Account 2 factor authentication needs to be enabled by default going to text message. I have this for everything even Fidelity sends 2FA to my phone via a text message when an bank account is linked to confirm its me., US Bank credit card also has this by default and someone actually was trying to pretend to be me but failed on 2FA using the text message and account was disabled.

US Bank customer support also said I will be getting money lost due to Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

US Bank offers a reward point system as their " cash back '' on credit cards. These points are transferable to cash, or redeemable via a US Bank portal, however to redeem to cash, you can only do so in units of XXXX points. All promotional materials for US Bank credit cards note that you can receive " cash back '' for rewards spending on their credit cards, but there is no where, including in the card member agreement, that tells you that the redemption can only occur in units of XXXX and that you must have a minimum of XXXX points [ equivalent to {$25.00} ] to redeem points. This is deeply misleading to consumers as nowhere in promotional material does it suggest that redemption of rewards would be restricted like that, and then once you have an account, you need to constantly spend in order to achieve certain points totals, and unless you exactly mete out spending, there will always be 'superfluous ' points that can functionally never be redeemed for their cash value.
Product: Credit reporting or other personal consumer reports

I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient action to investigate my claims. They informed me that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is concerning and raises serious questions about consumer safety.
Product: Credit card or prepaid card

They cancelled by card without my permission. Hung up the phone on me. Supervisor refused to speak to me
Product: Debt collection

XXXX. XXXX, 2018 ( XXXX yrs, XXXX mos ) Account status Closed Type XXXX Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX THE XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

Recently I locked 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 account XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous letters to the credit bureaus, XXXX, XXXX and TransUnion in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPLIFT, INC. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I did a balance transfer of {$9800.00} with Citi Diamond Preferred Card for 18 months 0 apr with a balance fee of {$290.00} I got a bill in the mail. There is a minimum payment due for $ XXXX/month. If minimum payment is not paid, a late fee of {$40.00} is charges. Multiple late payments may cause my 0 apr to increase to 29.99 % In the past balance transfers, I dont remember if there was a minimum payment at all.

I think Citibank is taking advantange of the current situation of people having financial difficulties due to pandemic. I think this minimum payment is way too high and the penalties are even worse. I dont believe this practice is fair.

Had I known this minimum payment was going to be implemented at this level, I would not have done a balance transfer. I feel I may be worst off for this balance transfer than if I didnt do it in the first place.

Thanks
Product: Debt collection

I asked them for a written verification of the debt, which typically includes details like the amount owed, the date the debt was incurred, and the name of the original creditor. 
They said they would not send me anything in writing And that the supposed debt was given to them or sold to them by the original creditor but they wouldn't send me any proof or tell me when they obtained my information. 

IQ DATA INTERNATIONAL INC. 
Last reported XX/XX/XXXX {$10000.00} Open balance IQ DATA INTERNATIONAL INC. 
Original creditor SNAPSHOT Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name IQ DATA INTERNATIONAL INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 30 days to unfreeze my Equifax file in order to apply for a credit card. It was very easy to unfreeze the XXXX and XXXX but impossible to unfreeze Equifax. I have tried dozens of times on their website and made dozens of calls to Equifax phone centers. I have tried both automated and spoke to several employees on multiple dates. I have faxed the requested identity information twice. I was initially told that the wait time for a response would be 5 to 7 business days and then told 30 days. My first fax was sent on XX/XX/XXXX and the second was XX/XX/XXXX. Equifax refuses to disclose why my file has been restricted.
Product: Credit reporting or other personal consumer reports

I called them to lock my credit so no will get my information and they still havent done so and I also requested my credit my report and I still havent received
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My personal information has been used/compromised for many years and as a result my credit for most of my life has been negatively impacted.
Product: Credit card

Once again CAPITAL ONE AND XXXX XXXX will not listen to you ConsumerFinance. They literally say they can charge me these astronomical late fees which is XXXX XXXX  on XXXX XXXX credit card ending in XXXX and my balance is XXXX. The late fee happened XX/XX/year> Now the capital one is ridiculous they hit me with a crazy XXXX dollar fee on XX/XX/year>. Capital One is so rude they refuse to lower it to XXXX dollars or take the late fee off even if it is my first time. They are a disgusting company. My capital one card ends in XXXX and my name XXXX XXXX balance XXXX. 

These late fees make life so hard and I am going through health issues and I literally have no job right now. These companies are so mean they dont care. Also XXXX  XXXX is charging me over XXXX XXXX  for credit protection and they said they wouldnt charge late fees if I signed up for this and I also would be forgiven for a missed payment and it is all lies. My credit protection cost XXXX a month and it does nothing
Product: Credit reporting or other personal consumer reports

I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. Nelnet was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. Nelnet continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel Nelnet to update their report to reflect loan status? 
Thank you XXXX XXXX