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

I was a victim of consumer fraud, in buying tickets to a Football game. I was asked to use Zelle to pay. I was concerned about this, until I read Zelle 's website, which states " Make every day better with Zelle - a fast, safe and easy way to send money in minutes '' Given that this was listed as Safe, I proceeded with the transaction. The tickets never arrived. When I reached out to Zelle I was told that there is no way to Cancel a Zelle transaction. This hardly seems " Safe '' as they had promised.

I looked over their website after the experience, and further found where it said " ith Zelle, you can send and receive money with peace of mind. Safely and easily send money to people you know through your trusted banking app ''.

This seems awfully fraudulent to me!
Product: Debt collection

I contacted MBA Law in regards to this collection they are reporting to my credit report. I sent the original debt validation letter on XX/XX/2022. This debt doesn't belong to me please see the attached FTC report and also the original letter sent XX/XX/2022 Please remove this account from my credit report XXXX and XXXX Thank you
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding unauthorized inquiries on my credit report from TransUnion. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, inquiries must be authorized by the consumer.

Upon reviewing my credit report, I noticed several inquiries that I did not authorize. These unauthorized inquiries negatively impact my XXXX XXXX, and I believe they XXXX be in violation of the FCRA. I have already contacted TransUnion to dispute these entries but have not received a satisfactory resolution. 

I would appreciate your guidance on how to proceed with this matter. Thank you for your attention to this issue. 

These are the unauthorized inquiries Account- XXXX XXXX XXXX Inquiry Date- XX/XX/year> Account XXXX XXXX XXXX Inquiry Date XX/XX/year> Account XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year> 2024
Product: Checking or savings account

hello, I have business account with Bank Of America for the last 2 years. its very hard to get in to the bank, they have restricted ours, all employees of Bank oaf America close the location for no reason. I wait again for 2 days to get appoint to open my escrow account requiem by the state for my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I open personal account for my parol, which was convenience! I try to login to my accounts, no of the the works! I cant login to business account, Dost work. I try my personal account dost work! I try to get appointment to the branch, they are not available. How did we get to the point, that banks to return your calls and not responsible for get you information as a client. After all money that Bank of American got from Government, we still not serving a small business. The only number from Bank of America was available for my call was if you want to buy a stacks. Maybe be is a time for Bank of America to get out of regular banking and just to do stack market!, on the meant time Im stack with incompetence of transfer Business accounts to Personal accounts, and no answer. Bank of America cant process personal account and business account the same time!!! Its time for Bank of America to Retire! They have been taking enough money from government to supplant they personal benefit of CEO to rest of their lifes, its time for change! incompetence cost you money! They never have been for the small busies in a first time!,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my TransUnion report and  XXXX  on my   XXXX   report. I have attempted numerous times to dispute these   XXXX   items  XXXX  with the credit bureaus and directly with the creditors. I have spoken with  XXXX  companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies wa s  XX/XX/17  a nd I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Accounts : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7600.00} I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...
Product: Checking or savings account

Dear [ Capital One Consumer Disputes Team ], I hope this letter finds you well. I am writing to express my deep disappointment and concern regarding the recent experience I had while attempting to open an account at Capital One Bank. 

I have been a loyal customer of Capital One for 2 years and have always appreciated the high level of service and professionalism that your institution has provided. However, my recent encounter has left me disheartened and frustrated. 

On XX/XX/2023, I called your branch located at XXXX XXXX XXXX XXXX, IL with the intention of opening a new account. I was met with an alarming lack of courtesy and respect from the bank staff. Despite providing all necessary documentation and adhering to the established procedures, I was met with unnecessary delays, unexplained rejections, and an overall dismissive attitude. 

It is deeply concerning to me that a bank I have trusted for so long would treat a loyal customer in such a disrespectful manner. I believe that all customers, regardless of their background or circumstances, deserve to be treated with dignity and professionalism. 

I kindly request an immediate review of my situation and a thorough investigation into the actions of the staff involved. Additionally, I ask for a sincere apology and assurance that steps will be taken to prevent such incidents from occurring in the future. 

I value my relationship with Capital One and hope that this matter can be resolved promptly. If necessary, I am open to discussing this issue further with a representative from your team. Please feel free to contact me at XXXX or XXXX to arrange a suitable time for a conversation. 

Thank you for your attention to this matter. I look forward to a swift resolution and a continuation of the positive banking relationship I have enjoyed with Capital One. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. Thank you
Product: Debt collection

The debt has been charged off and they call me at least 25 times every week. Ive had 9 call from them in one day while at work. I am responsible for the XXXX  of up to 30 XXXX  and the repeated calls are a distraction to an already XXXX  job. Since XX/XX/XXXX they have called me over 200x
Product: Credit card or prepaid card

Bought jeans at Macy 's in XX/XX/2022. 
Paid Macy 's in full in XXXX. 
Got a bill in XXXX from Macy 's indicating a late charge for missed payment. 
Gave Macy 's payment confirmation number from XXXX XXXX. 
Macy 's said " go talk to your bank '' XXXXXXXX XXXX  opened an investigation. They tell me they sent proof of payment to Macy 's. 
Called XXXX number on back of Macy 's Card - apparently goes to Citigroup. 
Emailed PDF of cancelled check to XXXX  Meanwhile, I'm getting LOTS of calls from Macy 's asking for payment. 
Followed up with XXXX number on back of card to ask the status of my proof of payment and they tell me they gave it to Macy 's. 
Called the Macy 's customer service number from their website to ask why they have not acknowledged the proof of payment that has now been provided twice. 
They're telling me they will take two billing cycles to resolve this issue. 

Which means they intend to keep harassing me for two months because they can't keep track of less than {$100.00}, even with two banks pointing the way.
Product: Payday loan, title loan, or personal loan

I had taken out a payday loan with ace cash express and they put a hold on my social security number and I am wondering if they are able to do that and I got a email from them and the loan happened over 7 years ago and other guy that called my brother home phone number was so rude and didn't even leave a number for me to contact him and I don't what else to do. I can be reached by email at XXXX. Thank you for your time and have a good day
Product: Debt collection

Sunday XX/XX/2020 Midland credit called me 3 times Saturday XX/XX/2020 they called me 2 times Friday XX/XX/2020 they called me 3 times. They have consistently called me average of three times a day for the last three weeks. No breaks on weekends either. They call morning midday and night. I am attaching the called that i declined but i answered the others
Product: Money transfer, virtual currency, or money service

PayPal limited my account around XXXX and told me i had to wait 180 days to withdraw my remaining funds and can no longer use there service. I got no reason to why my account was being limited just that it was. Fast forward to the future 180 days have passed and they did not email me nor contact me about receiving my money in any way shape or forum. I have XXXX dollars on PayPal just sitting there which they wont let me withdraw. PayPal has no contact number nor email nor does they message system work they have no contact info and refuse to release my money which they have sitting on my account doing nothing
Product: Mortgage

I have mortgage for my home with Freedom Mortgage. I pay this bill online with XXXX  XXXX XXXX bill paying service. I have been doing this for as long as I own the house ( approx. 10 years ) without one late payment.

Apparently Freedom Mortgage changed their mailing address again and since I automatically pay them through XXXX XXXX XXXX I was unaware that their address had changed. They said it was on a statement but I don't look that closely at a new address, just go online and paid it. It wasn't until I got the next month 's bill that I saw I owed for two months. That's when I called Freedom Mortgage and explained what had happened. The Rep was very nice, and explained to me about the address change and stayed on the phone with me until the new payment went through with their new address. A couple of days later I called Freedom to make sure they received it after verifying with XXXX  that it had gone out. Freedom said they received it but had already reported me to the Credit bureaus. I was very upset with them since this was my first late payment EVER. Which can be verified at any time with them. I called them and they told me that that's what they do and there's nothing else I can do about it. I am looking into changing my mortgage company. However, I'm asking for someone to please please look into this for me as I don't want my credit ruined. I've lost sleep over this and am hoping that someone can please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 The account with Exeter XXXX  was charged off this truck total {$14000.00}. Leaving me very inconvenienced. I tried contacting the company no information on my account and I need to have this removed from all 3 credit bureaus.
Product: Credit reporting

As of recent, I have been advised by Equifax that they have revoked my online access for disputes or access to my credit report. Unfortunately, I feel that this is retaliation from my previous disputes for Equifax not following the proper guidelines when it comes to handling disputes. I have been advised that my credit file is currently being handled by Consumer Affairs and they are the only ones who have access to my credit file. They have done unauthorized disputes and added unauthorized alerts to my credit file and I have been given a hard time when attempting to request them to remove the alert. They say that they have removed it but I have no proof yet. I also sent them documentation from a creditor  XXXX   XXXX   XXXX  to have the  XXXX  listings removed from my credit report and they have done another dispute that I did not ask to be done. Equifax alledges that they performed a re-investigation for the  XXXX  account  XXXX  that is still currently on my credit report. I sent them documentation from the company that the account was sold t o (   XXXX   XXXX   XXXX   )  as well  XXXX  advising that they sold the account. The account has been removed from all credit bureaus except Equifax. I feel that I am being treated unfairly and retaliated against since I made complaints against them. Each time I call I am given the run around and sometimes hung up on. I am told to ask for the department by name as they have no direct contact number. I have called during business hours and have not been able to get assistance. I have had representatives tell me there is no one else to speak with. I have been told things such as your file will be with consumer affairs indefinitely and that they ca n't provide any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Creditor : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company is One Main Financial and I have a loan with the around {$20000.00} and they charge me fees I was not aware of
Product: Credit card

I received a letter from Citibank stating that my missing miles XXXX were added during the XX/XX/year> statement cycle and that false. The amount of miles I received on XX/XX/year> statement was XXXX between purchases and bonus. I want my missing miles to be added to my Advantage account ASAP.
Product: Student loan

Beginning of XX/XX/2022 I had to renew my income based payment plan with Navient and XXXX XXXX. Both have been on the Covid deferment issued by the President. Once Navient approved my renewal and gave me my payment amount, I then received a statement with payment amount and due date and that I was currently a month behind. I received this information by email attached photos below on XX/XX/2022. Once I read the email, I then preceded to contact Navient about the payments being deferred by the President for Covid and Navient replied these loans do not qualify for that. Granted my payments are only {$13.00}, but how do you go from them being deferred to not being eligible just cause you updated the XXXX?? Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, XXXX and Experian, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, XXXX or Experian, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies. 

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, XXXX and Experian do not appear to be maintaining such reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services. 

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 XXXXXXXX has violated my rights XXXX 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 file of the consumer, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.