23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection notice from Unifin , Inc. dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with XXXX. The debt was from XX/XX/XXXX and the balance owed to XXXX at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX Services.Both letters were dated XX/XX/XXXX and both referenced the same collection with XXXXXXXX XXXX and XXXX. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the XXXX account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with XXXX. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.
Product: Payday loan, title loan, or personal loan

On XX/XX/12 a service company I was working with offered to finance the cost of the service through GreenSky. Unknown to me at the time, the vendor submitted my information to Greensky and had ben directed to acknowledge legal statements on my behalf. This resulted in an approved appliation for which I had not been provided the terms. At the same time I was being asked to accept and agree to the loan terms. 

On contacting Greensky I reached a person who directed me to click on the loan acceptance link in their email without providing the loan agreement for me to review. When I pointed out that the text of their email and the information on their website both state that taking the action of clicking on the 'Acitvate Your Loan ' as he was directing me to do, has the effect, according to their documentation, of accpeting the terms of the loan. The agent begam beligerant when I pointed this out and stated that I was not listening to him ; asking me to trust his word over the printed terms. Furthermore, he refused to allow me to speak to a supervisor, and disconnected the call when I insisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, Equifax and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Product: Credit card or prepaid card

I made a regular transaction on XX/XX/XXXX at XXXX to send money to my family. I just checked my account activity last night and see that I was charged a cash advance fee ( and I am assuming interest when the statement gets generated ). I reached out to XXXX  since I didn't see any notification or message that I may get charged cash advance fee. They shared this link with me - https : XXXX and asked me to reach out to my credit card company. It looks like XXXX somehow coded my transaction to benefit themselves and posted it as cash advance. The customer support was not at all helpful and denied reversing the fee/interest. I just got this card and was not expecting this kind of experience where the company is outright cheating and deceiving customers. I would like them to reverse any fees/interest for this transaction. I have already paid the balance due on my account.
Product: Checking or savings account

We have been working with Bank of America to resolve some statement issues and in that process have discovered that our data is missing in other areas as well. We have provided call logs showing we made calls but BOA has indicated they have no record. We have provided copies of letters received from BOA but BOA is indicating they can not find these communications on their side.
Product: Debt collection

I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements.
Product: Credit card

On XX/XX/year> I was charged {$120.00} for a year long subscription to the magazine the XXXX XXXX. A month earlier I had agreed to a month long trial, but about two weeks in, realizing I found no significant value in the product, I decided to cancel over the phone. I was assured that I would not be charged for a year long plan and found myself shocked when such a large sum of money was added onto my monthly credit card bill. I bank with Apple 's Goldman Sachs card and although I exhausted both their support and the XXXX XXXX 's, who I reached out 6 days after the charge went through over their email ( as to leave a paper trail ), I was told that I was XXXX out of luck and I should have made sure I obtained a verification email of my subscriptions cancellation before trusting their customer service representatives word. Since I have pointed this out to the representatives at Goldman Sachs, they have failed to review the relevant information and blindly side with the magazine that fraudulently charged me rather than the customer they are meant to represent. Since they charged me I do not have access to the year long subscription, don't receive mailed copies of their issues, and have not once signed into a paid account.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer for {$5000.00} from my bank, XXXX XXXX, on XX/XX/2021 to Wells Fargo Bank to be deposited into my XXXX account as Wells Fargo Bank is XXXX bank. The money was never put into my account at XXXX. I have had XXXX check on the wire transfer several times and it never made it to XXXX. 
About XX/XX/2021 I spoke with a representative in XXXX XXXX wire transfer department and asked them to please get my money back from Wells Fargo. 
XXXX XXXX  has sent at least four requests to Wells Fargo with no money returned or comments. My case number with XXXX XXXX wire transfer department is : XXXX, and the person handling it is XXXX XXXX at XXXX. 
Please help me.
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 Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account 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: Debt collection

this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.
Product: Credit reporting or other personal consumer reports

Please be advised 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX  investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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 the following accounts be verified or deleted immediately. 

NAVY FCU with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting!
Product: Debt collection

After nearly 2 years of battling back-and-forth for proof of this so called that this company fails to provide proof that it ever existed nor that I ever agreed to such account. Through communication tactics that are unbelievably sleazy and illegal I have yet to receive any proof I ever agreed to anything of the sort will put my name on anything having to do with what they claim.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for retaining unauthorized inquiries on my credit report, which I did not initiate or authorize. Upon reviewing my credit report, I identified the following inquiries that lack my consent : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I contacted these creditors directly, and they confirmed that they do not have any record of my authorization, either written or verbal, for these inquiries. Despite this, TransUnion has failed to remove these inquiries from my report, thereby damaging my creditworthiness. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Unauthorized Inquiries ( FCRA, Section 604 - 15 U.S.C. 1681b ) Under Section 604 of the FCRA, credit reporting agencies are only permitted to include inquiries that have a legitimate business need and verifiable consumer authorization. Since no authorization or permissible purpose exists, these inquiries should be removed from my report immediately. 

Failure to Remove Unverifiable Information ( FCRA, Section 611 ( a ) ( 5 ) ( A ) - 15 U.S.C. 1681i ) Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that any information disputed by a consumer that is determined to be inaccurate, incomplete, or unverifiable must be deleted promptly after investigation. TransUnions retention of these inquiries without proper verification is a direct violation of this provision.

Verification Requirements ( FCRA, Section 609 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681g ) Section 609 ( a ) ( 1 ) ( A ) mandates that each inquiry included in a credit report be backed by a verifiable original consumer contract with my signature. Without such proof, any inquiry lacking my consent should be promptly removed to ensure compliance with the FCRA.

Impact on My Financial Standing : The presence of these unauthorized inquiries on my credit report is unjustly lowering my credit score and limiting my access to credit. This is causing harm to my financial reputation and impacting my ability to conduct personal business effectively. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Discover checking account with roughly XXXX in it was frozen for suspicious activity, with no instructions but to call their supposedly XXXX customer service. I called, was on hold for two hours, the call dropped. 

I called back, was on hold for an hour and a half before hanging up and trying the online chat. The online agent disconnected. The second online agent instructed me to call because she couldnt help, only the security team could. I called at XXXX, was on hold for XXXX minutes before reaching someone who informed me that only the security team can unlock my account, and theyre only available XXXX to XXXX 

XXXX on the dot this morning, I called the security team as instructed. I was on hold until XXXX, doing dishes, and the call dropped. I am now on hold again. 

As a 100 % online bank, you need to have accessible people who are actually capable of unfreezing accounts. Better yet, have them call us back when theyre available to help. Other banks offer to call people back when the hold times are outrageous. Or how about texting me to verify my transactions? If you cant offer reliable customer service XXXX, you should offer alternatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX BANKRUPTCY ( USBK COURT XXXX TEXAS ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

The Synchrony XXXX website is ALWAYS down. Ive accumulated late fees. Ive called them multiple times over the course of a year. They just say we understand and you can make a payment over the phone. I do have screenshots of this issue.
Product: Credit reporting or other personal consumer reports

" I am writing to dispute the unauthorized accounts appearing on my credit report. I did not open these accounts, and I believe my personal information was compromised as a result of the XXXX data breach. I request that these accounts be deleted from my credit report immediately, as their presence is causing me harm and negatively impacting my creditworthiness. I would appreciate your prompt attention to this matter, and I look forward to a resolution. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  I financed a motorcycle through  Harley Davidson Finance.  In  XXXX  the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX and has since reported as a collection account on my credit report. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX and Jefferson capital absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. I have been trying to get this removed for over a year and it is not being resolved. 
I presently live at XXXX XXXX XXXX XXXX Ga. 
The reporting agency is XXXX XXXX XXXX XXXX ACCT # XXXX XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate.That is grounds for removal your company are violating my rights under 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 instructions.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against the credit bureaus XXXX days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. XXXX  days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.
Product: Credit card

Hello, I took a XXXX XXXX  of {$3300.00} on XX/XX/year> to deal with a temporary liquidity situation and repaid it in FULL on XX/XX/year>. 
On XX/XX/year> I saw a XXXX XXXX Fee of {$160.00} even though the website only talks of 27.24 % APR rate. 
I was shocked at this rate as this implies a Simple Interest Rate of 1825 % p.a When I spoke to the customer agent, I was told that they could not reverse the charge as it was a standard fee of 5 % for any cash advance. 
I find this rate/ fees eggregious and therefore resorting to a complaint with CFPB. 

On a different note, their website makes it extremely difficult to lodge complaints and requires us to call to dispute any charges. 

I hope my complaints can be addressed. 

Thanks XXXX
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer and natural person am aware of are protected by the under the fair credit reporting act ( fcra ) the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 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