23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was a costco XXXX XXXX client who 's account migrated to Citibank during the visa conversion. At first I was happy with the change since the new card from Citi and XXXX have a better reward structure than my old XXXX XXXX card did. When I received my new Card from Citi, I noticed there was 3 different payment methods on the card. The first was obviously the magnetic strip, the second being the newly required EMV chip, and a third method being and RFID chip ( AKA Tap and Go ). Working in the finance industry myself, I am very cautious of my own accounts and the RFID technology is easily prone to hacking since the chip is continuously " broadcasting '' my account information. So, I asked Citi to send me a replacement card without the RFID ( tap and go ) chip via their secure messaging website. Unfortunately, the follow up with Citi has been atrocious. I have written correspondence from Citi that my card does not have the RFID chip in the card, even though it has the paywave symbol, and that the card would work by tapping and go. After the correspondence from Citi, I then received marketing materials in the mail advertising the Tap and Go functionality. With all the fraud going on in today 's world, I feel it imperative to protect myself against potential misuse of my accounts. I have had many different cards and every other bank with the exception of Citi, have been able to send me a card without the RFID chip.
Product: Credit reporting

BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXT Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing 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 infeasible. The CPFBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system causing the same thing to keep happening.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP portfolio recovery Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/XXXX, I have sent ProCollect numerous Validation request for me to verify. They have not responded to any documents I have sent. I have sent a cease and desist as of XX/XX/XXXX in which they stopped reporting for 2 months and continued to report the invalid debt. I have attached documents and would like a resolution ASAP. These actions violate 15 USC 1692a as well as I never received any notice which violates 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
XXXX  XXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off.

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

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

On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have anxiety over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the 30th day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.
Product: Checking or savings account

XX/XX/year> deposited {$100.00} check. It disappeared from the system I had to argue with them to get it back. XX/XX/XXXX deposited {$95.00} check. I was notified it wasn't signed correctly. Redeposited. XX/XX/XXXX they said could not be completed. Credit Union accepted it on the XXXX but then said it had been cashed already. Cash app customer service told me read deposit it and it'll be ready in 3 to 6 days. I tried redepositing on the XXXX of XXXX with cash app at XXXXXXXX XXXX.. my check deposit couldn't be completed was the message I received. Cash app keeps referring me back to the same messages now and they hang up on me when I call the XXXX number.
Product: Credit card

We used our Chase XXXX on XXXX as a credit card transaction to send funds. We were charged the merchant fee, which we expected. What they did not tell us is that Chase considers this credit card transaction a CASH WITHDRAWAL rather than a credit transaction. They charged us the merchant fee, a cash withdrawal fee, and interest on the funds until we paid our card off IN FULL, not just the balance every month. It's deceptive and there is no warning. They would not fix the issue when we called.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : ATTORNEY GENERAL -XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Vehicle loan or lease

My housekeeper who has no credit history needed a vehicle after her old one was stolen. I agreed to co-sign for a loan so she could purchase a XXXX XXXXXXXX XXXX. When I inquired at XXXX XXXX, XXXX XXXX, NM, about the finance company, I received no answer and didn't learn about the company till they sent me their billing information as a co-owner. I was horrified that the interest rate was nearly 12 % and this company wants payments from both my housekeeper and me. I researched the finance company and learned it was a subprime lender, Santander Consumer USA, already being sued for fraud in 2 states. I have tried texting and phoning them about their interest rate but have received no response. If this 72 month loan is paid off, it would amount to about {$9000.00} extra in their pocket. I consider it a rip off and wonder if this company is actually legitimate.
Product: Debt collection

LVNV Funding LLC is reporting an alleged debt on my XXXX and XXXX credit reports without properly validating the information. I previously disputed this account with XXXX and XXXX in XX/XX/year>, and instead of receiving proper verification, the account was illegally updated and verified as accurate without any proof. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of this debt before any further collection or reporting activity. 

Violations by LVNV Funding LLC & CRAs ( XXXX & XXXX ) : FDCPA 15 U.S.C. 1692g ( b ) : LVNV Funding must provide full debt validation if a consumer disputes the debt. Since I disputed with the CRAs in XX/XX/year> and received no validation, they are in violation. 
FCRA 15 U.S.C. 1681s-2 ( b ) : If a debt is disputed, furnishers must conduct a reasonable investigation before verifying it. LVNV Funding has failed to provide any verification. 
FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) : LVNV Funding is responsible for ensuring accurate reporting, but the DOFD, payment history, and balances are inconsistent across bureaus. 
Cease & Desist Request : I am formally requesting that LVNV Funding LLC : Cease and desist from collecting on this debt until they have provided full validation. 
Stop reporting this debt to my credit bureaus unless they can provide full proof of the alleged debt. 
Reflect this dispute on my credit report immediately, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Payday loan, title loan, or personal loan

I am not for sure the exact date of my loan it was for {$800.00} from Blue Trust Laon. I was diagnosed with XXXX and have been off from work. I had XXXX  XXXX XXXX XXXX of XXXX XXXX  XXXX. I am expected to pay back over three thousand dollars I was desperate for money to pay my utilities bills. I can barely make it now due to my illness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted / disputed with Equifax regarding a inquiry from  XXXX  that I did not authorize. The company refuses to investigate.   I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing inquiries when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following inquiries listed below which are reporting inaccurately due to erroneous credit report entries, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law I also attached here a new FTC report with reference number XXXX. Please remove the following inquiries as they are unauthorized & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you claim these inquiries are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these inquiries which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt 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 alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MY IDENTITY WAS STOLEN AND SOMEONE HAS GOTTEN A STUDENT LOAN IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Debt collection

I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
Product: Debt collection

A company called Finex called me a few weeks ago about an outstanding car towing debt from a car I do not own nor has it ever been in my possession. Now they reported it to the credit bureaus significantly impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with Sallie Mae, XXXX, XXXX  XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to Navient that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX  payment due to my income based repayment plan. Seriously if Navient the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00} This attempt is my follow-up to ensure that the listed accounts are investigated
Product: Payday loan, title loan, personal loan, or advance loan

About 2 years ago I purchased solar panels from XXXX solar for my house to conserve energy to save on my electric bill. I was told my electric bill would zero out sometimes and maybe I would get a refund back sometimes. This never happened since I had the panels so after about a couple of months I called to see what was going on and I was told the the panels were not working properly. So the came out to fix them but my bill was still normal as if I didn't have panels so I had to call them multiple times. And here we are today and months ago and XXXX solar filed for bankruptcy. And just a few weeks ago I was scammed by a company claiming to be a representative for XXXX charging me {$130.00} to renew my warranty or I would lose the warranty for good.im just tired of paying the loan company ( good leap ) {$250.00} a month and the {$250.00} electric bill also every month. If titan solar filed bankruptcy and doesn't have to honor the contract then why should I have to continue to pay for something that doesn't work,