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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Money transfer, virtual currency, or money service

Zelle failed to disclose certain information before sending payment to someone. That resulted in me losing my money because payment was sent to wrong person and Zelle couldnt return it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a payment in the amount of {$590.00} into my PayPal account. On XX/XX/2019 I received another payment for {$12.00} and the final payment of {$290.00} on XX/XX/2019. 

I made several attempts to withdraw the funds from Paypal to my bank account and all the transfers were denied. Paypal requested copies of documents verifying my identity. 

On XX/XX/2019, I provided a copy of my drivers license, phone bill showing my current address, and a pay stub showing my current address and my social security number. 

On XX/XX/2019, I received an email from Paypal advising that my appeal had been denied and that they were holding my funds for 180 days with no explanation. They offered me the option to refund the money to my " buyer '' and explained how to process this refund in the email. When I logged into my PayPal account, there was no option to refund the money and no other information explaining the reason for this unjustified hold. 

I spoke with a PayPal representative on XX/XX/2019 who advised that she could not provide me with any information for the reason for the hold, and there was no way to have my funds returned to me. I advised that I would be filing complaints with the regulatory agencies governing PayPal as this hold is unjustified and untenable. I do not sell services or products online, I do not have any chargebacks or negative feedback, I do not owe monies to Paypal, and I did not receive the payments as a result of a product sold. 

They advised that I could not speak with a supervisor and that this hold and account closure were final. 

On XX/XX/2019, I sent an email to Paypal 's executive team and the appeals department advising that if my funds were not disbursed to me by XX/XX/2019, I would be filing a complaint with all applicable regulatory agencies and I offered them the ability to cure of which my emails were not responded to.
Product: Debt collection

I have contacted all three bureaus and I have a lot time for them to investigation. I mean nothing was provide or any/or all proof of what this is my debt.I have got letters of nothing but more same credit report and nothing show proof that they have my consent or wet ink signature from or i have information this matter.
Product: Checking or savings account

On Sunday the XX/XX/XXXX I used the drive thru ATM. The ATM took the money and gave out an error receipt saying to call customer service. I called customer service and was informed that the ATM ate the deposit and they woulf have to do an investigation while they would credit me for at least {$760.00} to my account while they investigated and the credit would be in by the next business day. They said the investigation would take about 15 days. Monday afternoon i still didnt have a credit and called there claims department and was informed that it would be in there by the end of the day. Tuesday night I had no credit and when I called the claims department was informed there would be no credit and just the funds till at the end of the 15 day investigation. For the last week I have been in the branch speaking to the branch manger and calls to the customer service line. I have emailed them within the bank website and still do not have any answers or help from anyone working for the bank.
Product: Debt collection

Out of the blue, because of XXXX XXXX I received a collections letter in the mail from Alltran on XX/XX/2020, stating that XXXX XXXX had sent my account to collections due to nonpayment. This Alltran letter states that I owe {$2700.00}. I immediately called Alltran and spoke with XXXX XXXX, who did patiently listen to me and is now the one Im supposed to speak with about this. Im not able to pay such a big chunk of money at once. I wanted to call XXXX and talk to them first, since they had not been in contact with me at all from XXXX to XX/XX/2020 about my account. But, I told XXXX that all educational loans were on hold due to the pandemic and Im shocked and upset I received this letter. She put me on hold then came back to answer that only federal loans are on hold. I told her this whole thing couldve been avoided if I had known I was supposed to have kept paying on this ; which I didnt know that because I had thought all Ed loans were on hold. I couldve been paying on it IF I had been told or warned that these loans were Not on hold, or even when it was one month or two months, etc late. From XXXX XXXX I received No warning, not them calling me to see whats up or why havent I paid, no nothing, no communication prior to just bam now I suddenly get a collections letter out of the blue, not knowing that anything had been wrong all these months. XXXX XXXX  did nothing to let me know any sort of thing. They sent no communications, no email, no letter, no phone call, no nothing to me, after I made my last payment in XX/XX/2020, when the news announced educational loans would be on hold for awhile due to a pandemic. I was up to date on my payments in XX/XX/2020. I called XXXX XXXX at XXXX XXXX on XX/XX/2020, to say hey this isnt right and to explain I thought loans were all on hold for the time being. I was highly upset as I couldve paid it all along if I had known these loans werent on hold. She basically had the attitude of sucks to be you and told me to call Alltran as its now their deal. I think it is unethical for XXXX to not have warned me or called me to ask me earlier on what was going on with my lack of payment rather than my not hearing anything from them for XXXX to XX/XX/2020 ( 7 months ) and then to suddenly be slammed with a collections letter like this.
Product: Credit reporting or other personal consumer reports

I have adverse accounts on my report due to XXXX XXXX. 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/year>. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company. 

Experian is making everyday consumers that suffer from XXXX XXXX  suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.
Product: Checking or savings account

On XX/XX/20, I paid a credit card bill in the amount of {$55.00} and still had money remaining in my account- {$15.00}. Wells Fargo then charged an overdraft fee ( when I didn't overdraft ), causing my account to then be overdrawn.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX  must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). 

Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX  XXXX not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). 

Prompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..
Product: Student loan

I scheduled a payment of {$60.00} towards my student loan on XX/XX/XXXX with Edfinancial. I received a payment confirmation e-mail. On XX/XX/XXXX, that amount was debited from my checkings account. I logged on to the edfinancial website where there is no record of my payment. Usually when it's being processed it shows up as pending payment. There's no record or indication anywhere of my payment but they took the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I requested my free annual credit report on XXXX and only received the XXXX report. For Equifax and XXXX I only got vague messages that the report could not be retrieved. I tried to find help on the Equifax and XXXX sites but anything regarding credit reports directs you to a pay page. I can see no reason why these can not be provided and feel that this is fraud and the companies are unhappy providing this free reports so they send you just a vague message that you can't get it. Last year this happened from me with just Equifax, this year XXXX apparently is having " unexpected issues '' too.
Product: Bank account or service

We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). 
Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. 
More info about OIS included legal complaints : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX I Experian requesting these inaccurate items on my credit report be removed. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request I have asked and again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge Off on Credit Report - Reference to FCRA Section 611 ( a ) ( 5 ) ( A ) Dear XXXX I hope this message finds you well. I am writing to dispute the charge off that is currently appearing on my credit report. The charge off in question are account number : XXXX, XXXX and XXXX which has been sold to a collector, is causing inaccuracies in my credit history. 

I want to bring your attention to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that if a debt has been sold or transferred to a new creditor, the original creditor must update the account information to reflect that it is no longer their responsibility. Based on this provision, I believe that the charge off should be removed from my credit report as it is no longer the responsibility of the original creditor. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. It is important for my credit history to accurately reflect my financial standing, and the presence of this charge off is misleading. 

Thank you for your attention to this matter. I would appreciate receiving a written confirmation of the resolution once the investigation is complete. 

Should you require any additional information or documentation, please do not hesitate to reach out to me. I am more than willing to cooperate to rectify this situation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

I sent in a request for a modification back in XXXX 2015. We made it very clear to Wells Fargo we were in the early process of divorce. We were told that the modification could not proceed without a divorce decree. XX/XX/XXXX we were told the file had been closed and it would be sent to the re entry team. Today XXXX XXXX first the company i have asked for assistance was told that there was no authorization for wells fargo to speak to them, after XXXX minutes of being on the hold then the point of contact came back on the line and stated oh i found it, it was not were it should have been. They were then told the file is not ACTIVE. There is a sheriff sale date on my property and I am trying my best to keep my home, however I am being met with all types of obstacles by my lender Wells Fargo!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage Corporation XXXX XXXX as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). First Advantage Corporation XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation
Product: Credit card

On our XX/XX/XXXX statement we were made aware of an annual fee that would be assessed for using XXXX Integrated due to the rising costs of credit card acceptance. Nowhere on the statement was a dollar amount given as to how much this fee would be assessed for and to what date it would be applied. At that time, we decided to move from their processing platform to a more affordable solution. 

In XX/XX/XXXX we contacted XXXX to verify no additional new fees would be charged upon closure of our account. 

On XX/XX/XXXX we gave written notice to XXXX that we would like to close our account and no longer use their services. 

On XX/XX/XXXX {$440.00} was withdrawn from our bank account which included a {$390.00} annual fee for a service that we were no longer using. The amount withdrawn should have been {$42.00}. We immediately called XXXX to dispute the fee as we had terminated their services. They responded by letting us know it needed to be reviewed by their internal teams and they would get back to us. On XX/XX/XXXX XX/XX/XXXXdeposited {$190.00}, only half of this fee, into our account without giving any notice to us.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out to formally register a complaint regarding the inaccurate reporting of certain accounts on my credit report. It has been brought to my notice that the company responsible for reporting these accounts has made errors. They have admitted to an internal issue that led to the incorrect posting of past due statuses. 

I kindly ask that you conduct a thorough investigation into this account and rectify its status to accurately reflect that I have never been late. The accounts details are as follows : The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been dealing with XXXX XXXX calling me, emailing me, and sending me letters stating that I owe them $ XXXX when I don't owe them anything. I also just realized that I have been scammed by other companies. The companies are Equitable Acceptance and XXXX XXXX XXXX. They contact me as well through text messages, email, sending me letters, and by phone trying to get money out of me. They promised me that if I paid them around {$300.00} upfront that my payment would drop to {$50.00} a month which it has and then I would need to pay them $ 50 monthly for at least a year in order for my student loan remaining balance to be forgiven. All of their promises have not been met and they have killed my credit score. I need my money back!! These people are professionals at lying.