23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

the company claims that my XXXX year old son owes some money they repeatedly called some months ago i told them my son does not live in my house and has not lived in my house for 15 years they asked if i knew how to reach him i told them he works as an XXXX  on a XXXX XXXX i told them not to call me anymore as this was not his phone number or residence they called me again last week i spoke w an XXXX XXXX he said he remembered my whining voice and that he was calling about my son again mr XXXX XXXX claims that he works for credit council inc i found there address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/XXXX  {$3900.00}
Product: Consumer Loan

I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

I have not received an itemized bill of what theyre saying I owe. Also, AmeriFinancial Solutions is not licensed to collect in the state of Florida.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 XXXX XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$7700.00}
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 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 user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Debt collection

XX/XX/XXXX we paid our full amount. We know we are legally required some form of confirmation either by email or mail ( we requested email ), that we want written confirmation that states our payment is being processed. We explained we would like this today or tomorrow because we are needing to move into our new apartment asap and cant without this confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts 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: Money transfers

Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!
Product: Vehicle loan or lease

I had a an accident that resulted in a total loss in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX at the time ) paid their settlement amount. It left a defiency balance on the loan. I have GAP and filed a claim. GAP gave a list of documents that they need, mostly from Capital One. I  contacted Capital One numerous times to have them send needed documents to GAP and according to GAP, they still have not been sent by Capital One. I also have warranties that need to be refunded, which GAP is also waiting for. I bought the warranties through XXXX  XXXX. They directed me to mail in a form to their corporate office. After doing that and waiting weeks I followed up. I was then transferred around to different numbers and ultimately given an update that no information has been received. I asked Capital One to assist me in getting warranties canceled too, they said they would but nothing has been done in months. Capital One did fulfill a request to mail me a copy of my contract because I moved since buying the car and some things were lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : - 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION INFORMATION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Around end of XX/XX/XXXX, we made a reservation for kitchen gas stove top repair service for XX/XX/XXXX Saturday appointment. The merchant guarantee that there would be no fees collected if repairman can not make the appointment. On Saturday, repairman couldn't make it, so  reschedule for the following Monday, then canceled and reschedule for the follow Wednesday. The repairman finally came to our house for checking our gas stove, and he said he needed to order several parts from the manufacture ( XXXX  ) and promised to provide us with quote. He provided us a quote for almost $ 1K, and we decided not to get the repair service instead we ordered a totally new gas stovetop from a local store and installed it.

During our credit card reconciliation, we noticed that that repair man charged {$100.00} for the first visit, which should've been free according to their guarantee. So I tried to contact the merchant several times without success, so I opened a credit card dispute with Chase Credit card. The customer service called me and I explained what happened, and they tried to contact the merchant while I was on the phone to resolve, but merchant was not responsive. So I kept explaining what happened with the merchant, but the customer service needed to get more details. Few days later, Chase Credit card dispute team left a voice message so I called them back several times, and left voice message for further detail information like date of the first visit of the repairman, etc. After that I never got their response back. So I was waiting for the resolution, and yesterday XX/XX/XXXX, I received a letter from the Chase that they found no evidence of billing error and closed the case in favor of the merchant claiming that they sent a letter for further information, but I have not received the letter. I fully explained what happened with the merchant, but they didn't seem to understand what's going on. I voiced my frustration of their dispute process, but they kept saying the definition of " service '' I received. Merchant clearly guarantee that the first visit would be free if their repairman can not make the appointment.
Product: Credit card

I WOULD LIKE TO USE MY XXXX MATER CARD REWARD POINTS THAT I HAVE ACCUMULATED OVER THE LAST 6 MONTHS. THE CREDIT CARD COMPANY HAS NO MECHANISM IN PLACE TO REDEEM THE POINTS. THEY WILL NOT GIVE ME STATEMENT CREDIT. THEY TELL ME I HAVE TO USE THE POINT FOR PURCHASES ON XXXX. THERE IS HOWEVER NO MECHANISM IN PLACE TO DO THAT EITHER. XXXX REFERS ME TO THE BANK AND THE BANK REFERS ME TO XXXX. 

I AM NOT THE ONLY ONE THAT HAS THIS ISSUE. APPARENTLY THIS HAS BEEN GOING ON SINCE INCEPTION AND NEITHER XXXX OR THE BANK HAS RESOLVED THE ISSUE. I CAN NOT GET ANY GUIDANCE FROM EITHER PARTY. THE LAST SOLUTION OFFERED WAS TO OPEN AN XXXX WALLET.
Product: Credit reporting or other personal consumer reports

The data reported by the credit reporting agencies is inaccurate. I have asked multiple times for it to be corrected or removed. Account numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXinquires Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries.

I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 
2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt.

3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization.

4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation.

5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence.

Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed.

However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. 
Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report.

Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent accounts removed IMMEDIATELY AND PERMANENTLY. I also see reported late payments on open accounts that I have been paying ON TIME. I was affected by economic and pandemic disasters, and was a college student at any time I made or had late payments. Please remove these ASAP as well.
Product: Debt collection

Despite my previous attempts to address this matter, I am disappointed by the lack of progress and attention given to my concerns. 
Account Information : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have thoroughly reviewed my credit report and identified several instances of reported late payments that are factually inaccurate. I dispute the accuracy of these late payments, as I have consistently made timely payments to the aforementioned creditor during the periods in question. 
I have previously submitted disputes regarding these inaccuracies, yet no progress has been made in correcting this issue. Moreover, the lack of communication and transparency in the investigation process is concerning. I have not received any updates or information regarding the status of my disputes, and it appears that the investigation has not been conducted thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.
Product: Bank account or service

Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}
Product: Checking or savings account

I opened a Citibank ACCELERATE savings last spring. They offered a {$100.00} bonus for maintaining a XXXX balance for 90 days which I did and verified on t6he phone with Citibank. I am now in XX/XX/2022 and NO bonus. I can not get answers from chat and customer service keeps me on hold for XXXX hours at least with no representative in BANKING. Citibank requires I keep at least {$500.00} in the savings account to not get a fee. 

This has been made way, way, way to hard and appears to me to be a sham to get business with no intent to pay the bonus. AT THE VERY LEAST THEY MAKE IT EXTREMELY DIFFICULT YO GET ANSWERS AND USE LEGAL MUMBO JUMBO IF YOU TALK TO SOMEONE AND THEY ARE IN NO HURRY TO TALK
Product: Credit card or prepaid card

During a branch visit this am, the branch agent advised my Chase Freedom account was closed XX/XX/XXXX. Chase Closed my Credit card account without Written or digital confirmation. I called in to the support line to inquire about this process and the acquire a copy of the notice. I was transferred to 6 different agents advising someone could provide the original document they " Sent '' me. Some names are XXXX - XXXX - 3 names I could not make out due to accent and finally to XXXX ( I asked for a Supervisor ) .I had to reexplain my issues to all of them as they don't talk internally. XXXX advised my account was closed due to inactivity ( Understandable ). I advised that I did not receive a letter advising my account was considered for Closure, but in XXXX, I did receive a letter my current card expires XX/XX/XXXX and a new card will be sent. I never received my new card. Time has passed and nothing was noticed. After being bounced around 6 different folks and repeating my issue to all, XXXX ( Supervisor ) advised chase sent out notification XX/XX/XXXX and they typically begin the closure after 90 Days of notice being sent out even if the Customer receives the letter or not, REALLY!?. That would make it XX/XX/XXXX for closure. I advised the account was closed XXXX so it was a premature closure. He advised the 90 days are not exact and its give or take with chase and there is nothing they can do and I can apply for a new card If I want. I advised this is my longest Standing credit account and it not only affected my Credit score but also my credit history which can have more affects on my credit. He offered to send me the original notice from XX/XX/XXXX and advised it takes 7-10 business days to process and there is nothing they can do. I am currently in the process of a mortgage application renew and this is a major hit due to the way Chase handles notifications and doesn't care if the customer get them or not. I even advised that in the Notices and letters section of my account there are no letters of closure consideration. Why not post it on the account like the Statements like when you want to offer your services or enable features?. This is really screwed up on their behalf. During a crisis we are going through now with COVID-19 and the economy down turn. This card could be the difference between charging supplies or charging medical bills due to an emergency. What a Joke. They didn't care about my Credit history or credit score being dinged since they claim " it's closed weather you get the notice or not ''.
Product: Credit card or prepaid card

XX/XX/2020 I am required to recieve text on phone I am talking on This requires hand action to get out of calls & into texts then back into calls USAA IS NOT XXXX ACCESSIBLE ON LINE is a NO ACCESS for me also I AM TOTALLY COMPLETELY UNABLE TO ACCESS MY BANKING I used to be able to contact by phone but a hostile rep removed that option for me after my last call in RETALIATION I am unable to make payment or access any banking with USAA