23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report as provided by the following creditors along with their respective account numbers : XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - XXXX  XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account XXXX : XXXX These creditors have violated the following laws and regulations through their inaccurate reporting : 1. **Fair Credit Reporting Act ( FCRA ) ** : - Violation : Inaccurate reporting of account information including high balances, dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open accounts, and collection accounts with limits. 
- Violated Law ( s ) : FCRA Sections 603 ( a ), 605 ( a ), 605 ( c ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ). 

2. **Unauthorized Inquiries** : - Violation : Unauthorized inquiries into my credit report without my consent by the following creditors : [ List of unauthorized inquiries ].

- Violated Law ( s ) : FCRA Section 604 ( a ) ( 3 ) ( F ). 

3. **Fair Debt Collection Practices Act ( FDCPA ) ** : - While not directly involved, some practices mentioned could potentially fall under FDCPA if related to debt collection.

4. **State Consumer Protection Laws** : - Potentially relevant depending on your jurisdiction and specific circumstances. 

The inaccuracies and unauthorized inquiries by these creditors have had a profound impact on my life, affecting my ability to secure credit, loans, and housing. The resulting financial strain has caused me immense emotional distress and XXXX. 

I would like to share a personal story that highlights the real-life implications of these violations : [ Share a detailed personal story of how these inaccuracies have affected your ability to secure credit, loans, housing, or any other significant life event. Emphasize the emotional toll it has taken on you and your loved ones. ] Given the severity of these violations and their adverse impact on my life, I kindly request the Consumer Financial Protection Bureau to enforce my legal rights under the Fair Credit Reporting Act. I urge you to thoroughly investigate these matters and ensure that the concerned creditors promptly rectify the inaccuracies and remove the unverified accounts from my credit report. 

I request that you keep me updated on the progress of your investigation. You can contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 

Thank you for your attention to this matter, and I am confident that your intervention will lead to a just resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I'm receiving calls, 2-3 per day, by a schools collection department ; which, to this date, has never mailed me a 'Debt Validation Letter ' and is denying me my lawful right to dispute. Starting on XX/XX/2019, throughout the 8 hours prior of this XXXX-XXXX   & indigent man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me money I do not have and will never have ... ALLEGEDLY in the amount of $ 4,000+ for 12 classes. XXXX XXXX XXXX collection department has never identified themselves ; it was only until today, that they did identify themselves as the Schools debt collection agency. The only way I was actually able to FULLY identify the exact name myself was by running a reverse search on their ( various ) telephone numbers on XXXX. The filing of a lawsuit is currently under serious consideration, as legal counsel has been consulted ... as well as the authorities. In closing, I would also like to note that they have also called my rather ill, elderly mother, for that matter torturing her constantly beyond belief.
Product: Credit card or prepaid card

To whom it May concern ; My situation is that someone stole my identity and opened a credit card from Citizens Bank. I became aware of this on XX/XX/XXXX when I was preparing to make a loan to refinance my house and pay off other debts. This could not be possible since my credit is affected. After several frustrating efforts to solve this situation, I am still being charged and my credit situation worsens. Every month my credit is affected more and still the Citizens Identity Theft department has not contacted me. 

I have been trying to contact the identity theft department since XXXX XXXX, 2021 at XXXX. Nobody ever responds to this number. I have called 12 times and left 9 messages, also three internal emails have been sent from the Fraud department and the credit card department. 

I already filed a complaint with the police, I fill the information in the form they asked for and I still have not received a response from them. 

I even contacted the chairman office of Citizens and file a complain # XXXX. I hope this e-mail can reach this department and resolve this problem. This situation is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope to hear from them as soon as possible.
Product: Credit reporting or other personal consumer reports

Despite my previous 5 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Credit card or prepaid card

On XX/XX/XXXX I phoned Bank of America about interest charges that they charged me that I felt were charged incorrectly/unlawfully. They told me that they are required by the government to allocate my payments to the cash advance before my most recent purchases, even when I am paying more than the minimum and well over the minimum + purchases + paying down the cash advance. 

They are now stating that because the account has a balance ( due to the 0 % cash advance amount that should not be charged interest until XX/XX/XXXX ) they are charging me interest on the small purchases I more than pay for every month as I am trying to pay off the cash advance in a timely manner. 

I pay the minimums + whatever I purchased during the previous statement billing cycle + additional money to pay down the 0 % cash advance and they are still charging me interest. 

On one statement it appears as interest on my current statements purchase ( at the rate of over 18 % ) even though I more than paid those off that month. 

On the next statement there is just a vague fee titled minimum interest charge. 

They would not reverse the fees and told me I would be charged interest on new purchase until I paid off my cash advance ( which has 0 % interest until XXXX! ). 

To the best of my understanding this completely violates the Credit Card Act of 2009.
Product: Checking or savings account

On XX/XX/2023, at approximately XXXX XXXX, I logged into my online savings account to try and cancel an automatic deposit. However, I have been unable to do that since that option is no longer available on their site. I called the American Express National Bank, who informed me that the only way to do this is through their cellphone app. I have XXXX XXXX, and by removing this option from there ( which I am able to zoom in and use ), and putting it in an app ( which is not XXXX  accessible ), they are purposefully discriminating against me because of my XXXX  and are preventing me from managing my money.
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 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 card or prepaid card

I left a business in XXXX of XXXX. There was a credit card account I had personally guaranteed. The business didn't pay it and Bank of America notified me. I paid it off completely on XX/XX/XXXX ( {$3900.00} ). I was then sent a statement of account with a negative balance of - {$2.00}. I phoned in and was told I was overcharged and would receive a refund check. After several failed attempts I finally got the refund check and deposited it. Then I received a statement with a positive balance of {$2.00}. I called in and was told it was an error and they would XX/XX/XXXX it out for me. They didn't. This happened again and again over several statements. I even got an apology letter dated XX/XX/XXXX saying their records show the deposit of the refund check. Then I got another statement today with a positive balance of {$4.00}. I need help to close this account since Bank of America can't fix this simple problem closing my account.
Product: Debt collection

There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. 

As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. 

His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''
Product: Credit reporting or other personal consumer reports

I contacted each credit report agency regarding information that is inaccurate on my credit report. They have not responded or given me the information I requested. I have waited over 30 days for a reply and still no reply. I would love to get this issue resolved asap.
Product: Money transfer, virtual currency, or money service

Paypal is a horrible website to use, and a horrid service to use!! It has so many issues with their website which include practically everything that they offer!! They shoud be fined and investigated to the fullest extent of the law!! 
Their horrible website will not even let me change the linked credit cards I have, which include my checking accouont debit card. I do not want that linked to paypal ever again!! 
And their website wont let me take out my debit card number!! 
And when I called, they cant even find my account??????????????????????????? 
They are FRAUDULENT, and better be investigated, I have been using paypal forever. 
And when I ordered 3 items from XXXX they all went to some fraudulent address in XXXX, NY!!!! I live in PA!!!! 
They refuse to help with this, they wont give me a credit, and they advertiste a buyer protection!! Yeah, right!! I want a full credit, plus they have to pay for overnight charges so I receive these items now!! 
There are seveal issues with them, they are horrible, and you better intestigate their horrid website, they even told me several times that it doesnt work, and their having issues.
Product: Credit card

I have been calling into Capital One for the last 4-5 months now, trying to set up a payment plan, but each time I call, I keep getting told a higher & higher amt, that I can't afford to pay! They give me 1 option & that's it! I keep getting told different infl, every time I call in! I am now on XXXX, so my funds are very limited. I won't be returning to work, so the amt I can afford to pay per month, is not going to increase. I can only afford to pay {$250.00}, possibly $ XXXX month & that's it. I figured that they'd like to get some $ instead of none, but apparently not .... They aren't trying to work with me at all! Right now my acct is 3 months past due. Idk what else to do. They're the only acct left, that isn't willing to work out a payment plan with me. They say they have to go by their system & that they can't just set up s plan with me. I find that hard to believe. If I only get so much per month, I don't understand how they can except me to pay more. You can't get XXXX from a turnup! All over their website it says that they're willing to work with you, to set up a payment plan/hardship program, yet I've been trying and trying and trying, but they're not wanting to accept $ XXXX. They're wanting $ XXXX as of this morning. Everytime I check online or call in, the amt keeps going up. Idk what else to do? I find it hard to believe that I don't qualify for hardship program, where they lower interest rate or remove it completely & let me pay the set pmt of $ XXXX {$270.00} per month. I really want to get this taken care or, before my credit is completely destroyed! I would also like to avoid bankruptcy at all costs, but idk how, if they're not willing to settle with me. Please help!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : XXXX - XX/XX/XXXX :
Product: Debt collection

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from my credit report. The account has a XXXX balance. 

Account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed.  Balance {$0.00}. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to The Best Service Company on XX/XX/XXXX, fax confirmation and FTC Report
Product: Credit card

In XX/XX/2023, I received a pre-approval for a CapitalOne Quicksilver credit card that included a {$200.00} sign up bonus after spending {$500.00} within 3 months. I was approved for the card and it was issued. I spent over {$500.00} on the card and expected my bonus to be posted. On XX/XX/XXXX, I called CapitalOne about when the bonus would be posted and they told me that I signed up for a different card, a card without a bonus. On the website, I was clearly shown the Quicksilver card with the promotion and I followed the application steps and got my credit pulled to receive this card. I was under the impression that I was signing up for the Quicksilver credit card with the promotional offer. After some circling, the representative said that I didn't qualify for the offer because the bonus is reserved for costumers with " excellent '' credit. At no point in the application process was I told that I was signing up for a different offer or card. This is false advertising and deceptive 100 %. This bait-and-switch appears to be common for CapitalOne.
Product: Credit card or prepaid card

I have a credit card with CITI/AA Advantage Platinum Select Card where l had a balance of {$1000.00} last month. 

In XXXX billing statement I paid this balance in FULL - in the amount of {$1000.00}, and it appears on my XXXX billing statement. 

However, despite my FULL balance was paid on time, CITI charged me {$16.00} in " interest '' on some mysterious " balance '' of {$920.00}. 

I consider CITI Card practices as deception and unjust enrichment at my detriment and respectfully request for stop such unlawful interest charges.
Product: Debt collection

Called numerous times from different phone numbers each time, but same caller ID name. 
Been told to stop calling, but calls back the next day from different number. 
Also called a couple of times before XXXX XXXX. Phone records available if needed.
Product: Debt collection

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/20 I deposited a check into my account by mobile deposit for {$1200.00}. I discarded the check by throwing it away in the trash and the money was credited to my account. On XX/XX/20 I check my account and noticed some money was missing. I called the bank Wells Fargo and they informed me that the check was deposited twice. They told me the check was also deposited on XX/XX/20 at a XXXX  XXXX  into someone elses account. The bank never contacted me to inform me of the situation but kept accusing and calling me a thief. I have been calling almost everyday to get this resolved but havent received any resolution. I have filed numerous complaint with then and also no resolution.
Product: Debt collection

In XXXX, I received one letter from a law firm stating that I owed a Hospital ( XXXX XXXX XXXX ) for the amount of XXXX. The original debt was for XXXX, but interest is incurring on a medical debt to the tune of {$70.00}. The problem is that I didn't go to this hospital. Somehow, this letter was forward to me, is addressed to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't live there. I sent in a valdiaton letter, got no response. I attempted to contact the hospital and left several messages. To this date, no one has called me back. Now I'm being sue for TWO medical bills for the same hospital with the corresponding law firm and not once has anyone sent me a validation of the debt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e b ) Accuracy of report 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX XXXX XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX  stopped an ACH payment for {$6000.00} for fraud alert, did not bother to contact us or let us know in any way. After XXXX weeks passes we find out the money was never received so we call the bank. They are very rude and tell us they will investigate and get it straightened out. Nothing happens so we call again the next week. This time they tell us they are still investigating it. We ask to put a stop on the transaction so we can have the money back. They told us they would do it in a few days and the money would be returned by XXXX. The money is still missing from our account today, XX/XX/XXXX, so we called again. They had no information for us and said they would look into it.
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX  Account Number : XXXX XX/XX/year> Reason : I don't recognize this account