23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

One off my ex boyfriends n friend stole my computer drive n all my identy ss card address dob dr licsence number w2 form and spent a lot off time digging into my life history to steal money I believe overseas money transfers being done by them lots off money laundering Credit card XXXX  cards all done under my identy its insane they were paid to harm my life by my mother n ruin me my mother was hiding money inheritage money from me well all my identy gave thm access to steal money ALOT off money n they are using my identy even did taxes last yrs there ruining my life plus mortgage credit card plus auto loans out its insane need to be stopped I made police report told I had to contact u guys on this matter there transferring a lot off money to XXXX XXXX pay paid XXXX XXXX  accounts from a bank that could be put off XXXX XXXX XXXX due to my ip address XXXX email contexts my computer to them XXXX had a alert off hacking today theres credit cards under my name used I got no way off stopping them or this been going on few yrs Im tired Im disable n this is a lot needs to be stopped
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " High yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant fine losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to Equifax reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but Equifax still had it as closed. Today XXXX I checked my credit score an saw that it changed. I investigated an found that equifax had the account removed from my creditXXXX XXXX an XXXX  never had it as closed or removed. I contacted Equifax an they said that XXXX ( my XXXX  ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to Equifax they remove closed accounts after 7 years.
Product: Checking or savings account

On XX/XX/2023 I received a letter from XXXX XXXX XXXXXXXX, Wisconsin informing me new fees have been applied to my account : Charges to your account are effective as of the date of this letter. The letter is dated XX/XX/2023. 

The new fees applied are : ( a ) {$1.00} Monthly XXXX service fee when the account balance is less than {$3000.00} ( b ) {$25.00} account closure fee payable when the account is closed. 

I received no warning of the new fee schedule before the fees were applied. 

I received no option to close the account without paying the {$25.00} account closure fee. 

The fee schedule is explicitly addressed in the CFBP 1034 ( c ) Advisory Opinion published on XX/XX/2023. 

I am requesting the CFPB advocate on my behalf to compel XXXX XXXX XXXXXXXX, Wisconsin to reverse all junk fees and provide an option to remove my funds and close the account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written dispute with XXXX against TeleRecovery of XXXX because they have two collections on my account from the same company and has it appearing as if I made two visits with the company. I asked that one be removed and they failed to do and XXXX  stated that the debt is accurate and I am stating it is not. I have not been to XXXX XXXX XXXX for two separate charges for the same amount which is {$400.00}. I believe it is an attempt to keep this debt on my credit report because there are two separate dates, one for XX/XX/2015 and another for XX/XX/2015. I requested that they provide the original agreement and proof of debt, if not for it to be removed and for them submit in writing to me, that this is my debt and to show me the original bill. They have failed to provide me with this information and XXXX closed my dispute stating that it is accurate. This is not what I asked in my written letter, I am stating that I do not have a duplicate charge for {$400.00} at this facility and would like for them to remove the negative remark that is there. I do not think it is right to have inaccurate information on someone's credit report, especially when I have made it clear to TeleRecovery and XXXX, that this information has been reported inaccurately on my credit report and both refuse to fix the error. There is no way I physically made two separate charges for {$400.00} at XXXX XXXX XXXX and the information needs to have the correct date if I owe this debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a balance transfer from my XXXX XXXX to my My BJs Perks Mastercard serviced by Comenitu Bank in the amount of {$6700.00}. As of today ( XX/XX/XXXX ) Cominety Bank claims they have not received the funds. I have contacted BJs XXXX everyday since XX/XX/XXXX. And they still claim to not have received the funds. I have contacted XXXX and filed a dispute for {$6700.00} for the balance transfer amount. XXXX issued a provisional credit to my account of {$6700.00} plus {$200.00} for the balance transfer fee. Upon XXXX 's investigation they found that Comenity Bank did receive the funds and reversed the credit they gave me. I Contacted Comenity Bank and they told me they disagree with XXXX and that they never received the funds. XXXX sent me a copy of the electronic check showing the transfer was made and the funds were received. I'm sure Comenity Bank received the funds and have not credited my account. I actually have been dismissed by both XXXX and Comenity Bank. I just contacted XXXX and requested that they open another dispute for the {$6700.00}.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnt )
Product: Vehicle loan or lease

I bought a XXXX  XXXX XXXX it got totaled out and navy federal gap protection stated it would pay up to 150 % of the vehicle price if they would have done it my loan would have been cleared. They did not honor the gap they stole money out of my checking account to pay for the vehicle after it was a total loss, causing my accounts to become over drawn, they unjustly closed my credit card which all payments where on time and up to date and demanded i continue to pay if they done the same thing stole money from my account cause overdraft fees. Then they took the vehicle loan and turned it into an unsecured loan and charged that loan off destroying my credit not just with them but all credit bureaus. Each time I have an account with Navy federal there always seem to be outrageous overdraft fees on all my checking accounts because of some shady business practices the company uses. They target service member and veterans alike to join there company and then use corrupt business practices go over charge, and create undo debt on their members.
Product: Debt collection

Hi, in the flesh XXXX XXXX XXXX, and I am writing the demand to delete the following negative info from said company MEDICAL DATA SYSTEMS INC. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity, and have enclosed copies. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M, and ALL applicable UCC Articles.
Product: Credit card or prepaid card

I overpaid my account balance by {$24.00} which made by account balance as XXXX, I made a new transaction of XXXX now instead of showing balance as XXXX it showed as {$49.00}. When contacted Citi they made new balance as XXXX ( they just removed the XXXX ). Now I am worried that all the transaction I make might have similar issue, which indeed should be considered as major issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, 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: Debt collection

I have disputed this debt on two occasions an won.They keep changing collection services an putting me in collection on my credit.company name XXXX Dates of action ) XX/XX/XXXX over turned XXXX XXXX XXXXXXXX XX/XX/XXXX over turned XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Disputing South West Credit System I was told to fill a complaint with you so that they could be block from doing this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

Company continues to call and harass about collecting a payment when the payment was already made. Company then went on to state that they can call 2 times a day and attempt to collect a payment. So when they called the 2 times so far today, both times they were told the payment was made. I am surprised that a company can do this and expect CFPB to take action against the business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 

XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},
Product: Debt collection

During a review of my credit score in XX/XX/2023, I noticed an outstanding collection in the amount of XXXX. I contacted XXXX XXXX and asked for it to be removed. I later received paperwork from a debt collection agency in the amount given above. I have lived at my current residence for almost XXXX years. This debt is not mine, I know the female who listed me on the rental agreement. I have not had contact with her since XX/XX/2023. She resided in this apartment with her parents.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a detailed letter to Equifax outlining the inaccurate information being reported on my credit report. However, their response inaccurately claimed that the disputed accounts are not visible on my report, which is incorrect. 

For your convenience, I have attached a copy of my Equifax credit report, along with the letter I sent to Equifax on XX/XX/year>. This is my second complaint regarding this matter, and I kindly request a thorough review and an accurate resolution to my complaint. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for Experian Service and they updated their website. I am unable to dispute online. Furthermore, under their new system they are not correcting disputed items although I sent them documentation from the furnisher indicating that t should address the issue with the CRA since they do not go back and correct " OLD : reported data on CLOSED accounts. That the CRA is responsible for fixing this. This is what XXXX told me on account that I disputed. Furthermore, XXXX XXXX XXXX XXXX said they removed the late payments when I was paying to a security account during HAMP for 6 mos back in XXXX or XXXX and Experian has failed to correct this information. Not only that, they are supposed to purge inquiries within 2 years and they are retaining all inquiries and not purcging this in a timely manner. They do not update ALL information as submitted by furnisher and I have to constantly filing disputes so they have blocked my ability to do so online intentionally which is my right under CRA. I have a document that shows some of the XXXX inquiries that are still reflecting and there are some dupes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my inquiries regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXX 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: Credit reporting or other personal consumer reports

Recently I looked 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 : Account Name, XXXX XXXX Account number, XXXX
Product: Credit card

ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. 
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX # XXXX - {$13000.00} XXXX XXXX  XXXX XXXX # XXXX {$4800.00} XXXX XXXX # XXXX XXXX XXXX # XXXX {$20000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform
Product: Credit card

On XX/XX/year> I purchased some clothes from XXXX. However, I ended up returning the order because the wrong item arrived. XXXX assured me that it would be okay and I would receive a refund. Fast forward, today as I am writing this complaint, I still have not received the refund promised to me. I have tried to resolve the issue with Amex several times but have been unable to reach anyone who would be able to help and take this dispute seriously. The latest attempt has been under reference # XXXX but seems like all of these disputes are closed without Amex looking or hearing my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.