23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This Best Buy Citibank Credit Card is still showing a balance. This needs to be updated immediately to a ZERO BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous of 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 CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I applied for a credit card through Venmo in XX/XX/2024 with a {$200.00} promotional credit when you spend {$1000.00} on the card within six months of opening. I have spent {$6300.00} on the card and have inquired of the company on four separate occasions through secure messaging in the app and over the phone. I was told I would need to wait 45 days from when the eligible purchase threshold was met. This threshold was met within 30 days of opening the card ( XX/XX/2024 ). The card has remained in good standing with full payment of the balance each month and no overdue or missed payments. It currently has a XXXX balance. It has been over three months since I met the spending threshold, and I still do not have the {$200.00} promotional credit in my account. I contacted Venmo on XX/XX/2024, XX/XX/2024, and again on XX/XX/2024. The most recent response was that I would receive an answer to my inquiry within 30 days by mail. This is unacceptable. Venmo is not keeping the agreement terms for which I signed up for this card. In XXXX, my card was placed on fraud alert, and I was told that this was why I had not received the promotion. I have asked the fraud alert to be lifted and still, the promotional credit has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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
Product: Credit card

I sent a letter via US mail on or about XX/XX/2022 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXX/XX/XXXXXXXX made on XX/XX/XX/XX/XXXXin the amount of {$160.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Student loan

on XX/XX/XXXX after recieving letter from student loans dept about setting up payment plan., so setup tenative plan was adivsed had 30 days to submit documents needed to approve, said ok and let person on the phone know just started job so would be atleast 2weeks before could get 2nd paystub needed.said ok and then submitted documents to student loan dept with payment and then recieved call on XX/XX/XXXX from collection agency national credit services on my job .advised never gave permission to call me on my job could not recieve calls and to stop all contact. called student loan dept and was advised transferred acct to collections 10 days after spoke to them about pyt plan, advised nothing could or would be done.told them i was never advised could be sent still to collections and filed complaint. still have not recieved any contact back. then today recieved 2nd call on job from collection agency national credit services .again advised already told co can not recieve calls at work and told sorry was never listed as do not call. took caller name XX/XX/XXXX and ext.then adivsed filling again a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX stated on my credit report my in the comments Payment after charge off/ collection Settled -less than full balance. On XX/XX/XXXX XXXX stated in comments Account legally paid in full for less than the full balance. on XX/XX/XXXX Equifax stated in comments Settled accepted on this account Paid charge off and I have a Derogatory mark for equifax. this is an error please remove this from my credit report. I spoke with XXXX XXXX XXXX and they refused to do anything about it. They also charged me another fee of {$200.00} in which I paid so they would remove in fear that they would not remove. I was not aware of my rights and they took advantage of me. I would like to be compensated for this. This is not fair. This has caused me much frustration and anxiety. I was not able to get a loan for my business as a result of this error. I deserve to be compensated for this mistreatment
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my Credit file. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. 
I discovered unauthorized and fraudulent transactions on my account, and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. 

Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. 

There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. 

To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. 

I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$87.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Contact company to make a payment, and was told if I did an ACH payment it would be credited to my account 2-3 days after I authorize the payment, which I believe is a violation of law. Additionally, I was told for either an ACH or a debit card payment I would have to pay an {$8.00} fee.
Product: Credit card or prepaid card

I purchased a {$300.00} American Express gift card on XX/XX/23, which does not seem to work in any online retailer that I've tried. Requested a refund on XX/XX/23, and was told that it is being reviewed. After multiple calls explaining that it would be expedited ( last called on XX/XX/23 ), I still have not received a refund on the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX & XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I demand that you dismiss all claims and remove any harmful reports against me. Specifically, I insist that you eliminate any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. Moreover, I require that you prove your lawful authority to conduct business with me or any other contesting consumer. You do not possess the right to act negligently, as you are exposing me to financial and creditworthiness harm. Thus, if you are unwilling or unable to adhere to my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. You need to understand that you are not authorized to compel me to engage with you in any manner without legal authority or a written agreement between us. Should you persist in causing harm to me, it will be viewed as harassment or even extortion, which constitutes a criminal offense in my state of residence. Any such misconduct will prompt me to pursue appropriate legal action. Hence, I demand that you rectify any fraudulent or deceptive practices associated with my current consumer credit profile history by expunging any delinquent reported items. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XXXX XXXX at XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

This collection agency is trying to collect on a debt that is not mine. I've asked for documents verifying that in fact this is mine and they have not given me the documents I asked for. I have disputed this with the credit bureaus multiple times but the account still remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. 
td bank XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. XXXX XXXX is co-owned by XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of 1974. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

XXXX XXXX will not allow me to opt out of their services. per XXXXSC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has NO OPTIONS is NOT ADA ACCESSIBLE FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have ADA tools screen reader talk back scanner accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to Experian previously and denied? Why? Kindly note XXXX & XXXX XXXX  PROVIDED NO ACCESS TO RESOLVE FRAUD. Experian Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER 2/2019. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX XXXX " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE DISABLED PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE XXXX  XXXX XXXX XXXX XXXX. What are Experians Special Needs Options? Why does Experian not follow the law? Why do they not make banks follow the law?
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX  XXXX XXXX in XXXX. The initial loan was XXXX for XXXX XXXX XXXX. I have paid bi weekly for the last 4 years and went to ask what the pay off would be. Bridgecrest ( who provides the loans for XXXX XXXX ) informed me today that my payoff was XXXX Even though I have paid almost XXXX on the principle loan ... I was also informed by Bridgecrest that I had a loan for XXXX which I was not informed of until today. 
So far I have paid XXXX on a loan for XXXX and I still ( according to Bridgecrest ) owe XXXX more to pay off a vehicle that. Making the total XXXX for this car. which I never agreed to. The salesman at XXXX  changed the contract from the time I agreed to the details and when I signed the contract. He rushed through the paperwork and told me it was the same that we discussed earlier while it was still on his computer. So I didn't need to worry and I could trust him. The contract that I agreed to was for XXXX with interest. APR 20.14 % Now according to Bridgecrest even if I pay off the XXXX that is left on the principle I have to pay and additional XXXX for interest that has not accrued. I tried to fight this before and gave up because their tactics are very shady and intimidating. I am a XXXX year old man that needed a vehicle to go to and from work. XXXX XXXX with the assistance of Bridgecrest have basically stolen thousands of dollars from me and are trying to make me pay XXXX more because I am trying to pay off the loan. Please help me!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.