23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency 3 is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Initial credit limit was XXXX I opened account 15 months ago, paid on time every month usually more than is due and usually to cover any interest charged Back in XX/XX/XXXX and again XXXX they have decreased my limit each time by XXXX and have reported the decreased limit to the credit bureau causing my credit score to be damaged I called and was told its based on my overall credit balance off all combined creditors the reserve the right to decrease my limit. Every payment has been made on time. I said to them I understand not raising my limit but do not feel the decrease and negative reporting to the credit bureau is fair
Product: Credit card

I have a XXXX XXXX XXXX card from Crypto.com The card advertised multiple benefits, including 100 % XXXX rebate each month. 
Initially I received the benefits without fail. However, I recently realized that these XXXX credits have not been applied to my account since XX/XX/2023, so there are 14 missing months of these credits, which are stated to be 100 %. 

I reached out to customer service two weeks ago. I sent screen shots and requested an investigation into the missing credits as well as a request to have the credits applied to my account at the rate that would have been correct for each month. 

Not only have they not applied the credits but they have not responded to the messages at all. 

They state their normal response time is 2 days. 

This morning they replied to my message, acknowledging it had been way more than 2 days, but they DID NOT address the question at all. They basically said, if it's still relevant, to write them back again!!! This is crazymaking. 

I have had a terrible time ALWAYS getting in touch with customer service at crypto.com They have replied to other urgent messages this same way, saying they knew they had taken a long time to reply and to write them again if still relevant. This is truly unacceptable customer service from a company who manages money. 

The attached files show my attempts at conversation, examples of missing XXXX rebate credits ( which used to arrive the XXXX of each month ), and the absurd reply from them asking if my complaint is still relevant and to just get back in touch with them ( which I did, still no reply ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXXXXXX XXXX XXXX XXXX, {$1200.00}, account XXXX XXXX XXXX XXXXXXXX, {$1200.00} account XXXX XXXX XXXX XXXXXXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that XXXX  is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX  and XXXX removed ALL fraud accounts, but XXXX   started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX   still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to XXXX.
Product: Credit reporting or other personal consumer reports

This is my first 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 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 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 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 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

I am sure these accounts are the result of identity theft. I have not applied for or authorized any of these accounts and I request that they are removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 via united states postal mail, I received a letter from the nexis lexis company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this XXXXomplaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant against   XXXX   XXXX   XXXX     XXXX  and  Experian  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  & Experian continue to reported this account as verified, without proof. However   XXXX   has removed this account from my credit report.
Product: Credit reporting or other personal consumer reports

I have already requested that you remove all inaccurate accounts from my credit profile 30 days ago or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. 
Please delete the following unverified fraudulent account : XXXX XXXX {$240.00} THIS ACCOUNT IS A ERROR XXXX XXXX MISSING INFORMATION. Please delete this account at once for failure to respond in 30 days.
Product: Credit card

Examine the attached documents. Initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reported as late.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 

Sincerely, XXXX XXXX
Product: Credit card

On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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
Product: Debt collection

JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Commonwealth Financial Systems, Inc at XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$90.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. This debt collector is violating a number of my federally protect consumer rights according to the FDCPA. I have included several violations that you, Commonwealth Financial Systems , Inc, owe me in my Bill of Particulars.
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 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 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hi I opened a XXXX XXXX XXXX credit card for my business from USbank but they denied to provide the bonus. I don't know the reason since this is my first business credit card with my business. Could you please check with them? 
Offer term was spend over {$5000.00} for XXXX  months, and I used over {$5000.00}. 

Credit Card issued date XX/XX/XXXX Spent over {$5000.00} during the XXXX  months, Contacted US bank for issue on XX/XX/XXXX Received denial mail on XX/XX/XXXX Business information XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the three Accounts from Us Dept, two of the account has the date of XX/XX/XXXX, another one is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2021, I contacted First Advantage for my free consumer 's report. My first call was at XXXXXXXX XXXX with XXXX  (? ) who asked for my application number or my SSN. I gave him my SSN, and he tells me he can not find a report for me unless one has been ordered. I then tell him I want to run a report on myself and get the free report to which I am entitled. XXXX (? ) says he has to transfer me to that department and the phone call is dropped. Immediately, I call back and speak with XXXX. I tell her I would like the free copy of my consumer report. She says she has to transfer me, which she doe successfully. Upon speaking with the new representative, I am unsure of her name, she tells me First Advantage no longer provides the free copy. I told her this was odd, as I am legally owed a free consumer report. I question how it could be legal for a company to have my information but I could not see what that information was. She told me they stopped releasing this information to the individual consumer about two months ago and that she was unaware of any company that would release this information. She said the company was working on a way to provide the consumer their report, but at this time she could not access it. This is illegal, per the Fair Reporting Act. The company 's website provides detailed information into getting a consumer report and the laws concerning the consumer report. They did not adhere to the law. She gave me a reference number for the call. I have it if any additional information is needed.
Product: Credit reporting or other personal consumer reports

Has an attorney verified the accuracy of this account? If not, I urge you to remove it from my credit report without delay, or else I will pursue legal action.
Product: Checking or savings account

I am filing this complaint for the mishandling of a dispute. I disputed a charge where I did not receive a completed service at a lash studio franchise. After the issue was brought to the managers attention the same day, I showed them my incomplete eyelashes and was given an apology and then advised to come back the next day for the service to be completed free of charge. After the funds were debited from my account the next day, I received a text message from the manager stating that I will now have to pay and because I was not satisfied with her changing the agreement she then told me not to come at all. I disputed this with USAA on XX/XX/XXXX where I received a reversal credit. I was then sent notification to upload documents on XX/XX/XXXX which I did and for some reason they were not received. On XX/XX/XXXX, I got another message asking to upload the documents. This time around I called to see why they had not received my prior documents and if there was a mistake, to which they stated they did not have them. So I proceeded to reupload the documents that included all the back and forth messages where the merchant fully acknowledged agreeing to complete the service and then changes her story as to why I now needed to pay. I also provided pictures of my lashes. As well as a screenshot from their company website detailing that services take approx XXXX XXXX for a full service and every natural lash receives a false lash. In the documents I provided the girl did not even take XXXX minutes. 

On XX/XX/XXXX, I got another notification from USAA stating the dispute was not found in my favor and they would do a reversal credit. My complaint is that this case was not thoroughly investigated as I gave more than sufficient evidence. I have also had a prior issue in the past with this bank not properly investigating disputes and was told by a very rude USAA representative over the phone that it was too much for them to go through every single message due to the volume of disputes they have to handle. My question to USAA ; then what is XXXX XXXX of providing this information if the agents are not going to properly and fairly do their job?? 

This situation is highly traumatizing because not only am I being taken advantage of by scandalous merchants, I also can not depend on my bank who I've entrusted and been with for years to properly handle these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified all parties ( credit bureaus/individual companies ) regarding the consumer report violation under ( 15 USC 1681b ) ( Exclusions ). I've requested that all late payments ( specifically ) be reversed/removed from my consumer report as it is a direct violation of my consumer rights per the ( FAIR CREDIT REPORTING ACT ). I'm requesting immediate assistance as the companies listed/the credit bureaus reporting have chosen to violate my rights according to the F.C.R.A. Your assistance in this matter would be greatly appreciated!!!
Product: Debt collection

This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.
Product: Debt collection

I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX  and an open date of XXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX. I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXX XXXX  XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.