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

I believe that BestBuy/Citi Bank has violated the General Disclosure Requirements as outline in Regulation Z, 1026.9 ( c ) ( 2 ) ( ii ). I recently made a instore purchase using my BestBuy/Citi Bank credit  card on XX/XX/20 But I received a credit alert yesterday that my credit score drop over 30points directly affected by going over the limit on my Citi Bank credit card. With review of my credit I noticed that Citi Bank is reporting my credit limit as {$2000.00} but my current balance was {$2700.00}. I contacted Citi Bank today to inform them of the error and to request them to correct my credit limit accordingly they then informed me that my credit limit was the {$2000.00} but that they " sometimes allow consumers to go over the limit to help them complete their purchases ''? I explained that I was not informed verbally or in writing acknowledging that I wanted or even requested to exceed my credit limit. Citi Bank stated because of limited share  data Best Buy can not see what the consumer credit limit is so they dont know if going over or not, so its on Citi Bank approving the transaction on their end. I advised again that I was not informed and asked where in my credit card agreement that I accepted the terms that Citi Bank can " sometimes allow to exceed over the limit charges '' Citi Bank was unable to identify where it was in my agreement. Citi Banks failure to follow the Reg Z disclosure statement requirement has negatively affected my credit score and my credit reputation. This approval practice by Citi Bank is unbelievable and unacceptable and is damaging consumers credit reputations and must be stopped!!!
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 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. 


I would like to be reimbursed for the reported transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with XXXX  and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX  XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX . I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Product: Debt collection

Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.
Product: Credit reporting or other personal consumer reports

This debt showed up on my report as being in default. 
I have not lived in Connecticut to open such an account, I called XXXX XXXX XXXX and it states it was opened in that state. 

This is NOT my doing and I want it taken off my credit report!! 

This is FRAUD!!! and it needs to be handled. 

This account was opened up and It does NOT belong to me!!!! 

Thank You, XXXX XXXX XXXX
Product: Credit card or prepaid card

I XXXX  and my employer mailed me a debit card for retroactive pay. The card Is with US bank. The only way to activate the card is online. I entered my user name and password, and was then prompted to enter my card number and last four of my ss, which I did. A window popped up stating unable to verify. I tried again multiple times ; no luck. I called Us bank and got transferred around till I was told I would be transferred to someone who could activate my card over the phone. After answering questions for five minutes, they said the only way to activate my card is online. It is my strong feeling this bank makes it difficult if not impossible to activate a card so they can hold ones money as long as possible. Please help me activate this card so I can withdraw my money and be done with this firm. Thank you
Product: Credit reporting or other personal consumer reports

XXXX  XXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$2300.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX  XXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$2300.00} is shown as XXXX % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$2300.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX TransUnion, Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Remove Unauthorized Fraudulent Accounts Listed Below : ( FCRA Law ) XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XXXX XXXX, XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX  ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX ( XXXX ), Opened XX/XX/XXXX, Account charged off. 
XXXX. XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Collection account. 
XXXX. XXXX XXXX XXXX ( XXXX ), Opened XXXX XXXX, Collection account. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ), Opened XX/XX/XXXX, Collection. 
XXXX. XXXX XXXX XXXX  ( XXXX ), Opened XX/XX/XXXX, Revolving Remove Unauthorized Fraudulent Inquiries Listed Below : ( FCRA Law ) XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.
Product: Debt collection

In XXXX, I went XXXX and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XXXX. They stated I open the card up in my old name in XXXX! The company would not let me do that! Help me!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681 s-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 in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.
Product: Checking or savings account

my account was restricted I'm the payee of my brother he stays in my house he has XXXX XXXX i dont trust adding him to my account so i managed his funds from work td bank restricted my account because i wouldn't add him as a authorized user I would never take from him but he uses XXXX  I dont trust him to have access to my account and I'm XXXX covid-19 has me scared to go anywhere I'm very old
Product: Debt collection

This was a medical bill due to a car accident geico paid all medical bills
Product: Vehicle loan or lease

The company who has the loan for my truck, Foursight Capital, has tried three different times to ach my payment which I didn't approve and a {$30.00} charge was generated on my loan account with them. Each time I had made a phone payment and instead of debiting my account once, they attempted it twice. Of course the second attempt didn't clear and that is when they charged me a XXXX return check fee. I emailed their company on XXXX asking for a reversal of the XXXX in extra fees with no response from them. The dates of the fees are : XXXX, XXXX, XXXX. I am only asking to be refunded the XXXX and for this to never happen again! 

Sincerely Concerned Consumer
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling my disputes, particularly in light of the recent cfpb look adult highlighting significant issues 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 recovery lost funds was impossible and that tracking my funds was infeasible.the cfpb informed me that Zelle has not only neglected to protect consumers but has also allowed repeated 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 or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a data breach. Please find the specific accounts and inquiries that need to be blocked and deleted from my credit report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters challenging the accuracy of this account one on XX/XX/XXXXXXXX  and the other on XX/XX/XXXX and one on XX/XX/XXXXXXXX  and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those account payments? 

I also include a copy of my last letter sent on XX/XX/XXXX to Equifax Number :XXXX
Product: Credit card

On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home. In this process I have cleared most of my derogatory accounts as suggested by the credit counselor. My scores have increased significantly over the past few months. However, I checked my scores on Equifax and my score has decreased significantly by XXXX points. I attempted to check my file to see what information has changed but it seems the system is frozen or there arent any updates that would explain why my scores dropped so drastically. I would like an explanation from Equifax that explains what has occurred in my file that I do not have the privilege of reviewing. I can not take action when there is nothing annotated.
Product: Credit card or prepaid card

XX/XX/2022 XXXX switched to Goldman sach Bank and no payments was able to be made which was my due date. I was charged finance charges on XX/XX/XXXX. I logged in and made a large payment on XX/XX/XXXX, which my account said nothing was due. I was charged XXXX on XX/XX/XXXX. The voice recording on their end stated No Finance charges would occur during the transition. I have made multiple calls and Nothing has been resolved. On my following statement for XXXX I was charged {$10.00}. Again I paid my balance and then some. I have spoken again on the finance charges. AS TO DATE NOTHING HAS BEEN RESOLVED AS OF XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 There was a mobile deposit into my bank acct with wells Fargo. My bf was contacted by some random individual who states he was doing loans through the govt and he would be eligible for a loan once he gave bank info to prove his identity so be proceeded to fall for the scam and provided the info. The money was deposited he was instructed to follow through the next morning by pulling the deposited amount of {$1500.00} and to go do a XXXX to XXXX transaction, so he goes to XXXX pulls the money after trying to use the debit card for one transaction In the amount of XXXX ( I believe it was ) and once the card declines after trying to do the second transaction he is instructed to get the cash and get the balance in prepaid gift cards so of course he does so as he is promised a XXXX loan once the transaction is complete. Once I am made aware of the situation I contact the bank tell them to not allow any transactions so the rep closes the acct and proceeds approx a week or two later. Wells Fargo went into a totally different acct which was my childs account and withdrawls {$1500.00} to cover their loss of the funds after they allowed the check to process after I advised against it. The acct that they deposited into and took out of was not in my bf name either
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, Contract Callers : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : ( # XXXX, # XXXX, # XXXX, # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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