23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.
Product: Checking or savings account

I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA. 

As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days. 

After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check. 

I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited. 

I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.
Product: Credit card

I have several XXXX credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids IDs and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.
Product: Credit card or prepaid card

Was not aware that I missed payment for two months at the time. I had 10 credit cards. Tried to work with them but they wouldnt take of delinquency so I closed card after paying balance
Product: Credit card or prepaid card

On the XX/XX/2020 I reported Credit card fraud to First progress financial. At this time the company informed me that's the would put a hold on my account and if I paid in full all was even. Today when checking the status of my account I found a new charge unpaid acuring interested and unpaid balance on my account. I was informed I was responsible for the new charges interest rate, but not the charges. 

In short, I am being charged interest rate on a charge that should never have been on my credit card in the first place because I cancelled the number and was sent a new card. The website is so far behind they can't tell me why I shouldn't be paid up on full. I now have a carries interest rate on a first progress financial card that is already over paid. 

Missing final documents from XX/XX/2020. No statement available. 
.
Product: Credit card or prepaid card

Discover is refusing to properly reassert and CORRECTLY INVESTIGATE dispute. I was told on XXXX by The Discover Fraud Department that they will not reassert my dispute without new information. Counts as follows ; 1. Due to not being able get in touch law enforcement.

RESPONSE : I called and spoke with the police department ; they said they have received no phone calls or messages from Discover, but would speak with them if they call.

2. That I viewed activity on a XX/XX/XXXX and XX/XX/XXXX and did not report until XX/XX/XXXX. 
RESPONSE : I called in on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX all reporting that my card was lost and my account needed to be locked. I received correspondence emails stating that Discover was sending me a new card, crediting my account and locking my account. BUT I NEVER RECEIVED A NEW CARD AND MY ACCOUNT WAS NOT REPORTED. 

3. That I made payments from XXXX to XXXX prior to reporting fraud. I DID NOT MAKE ANY PAYMENTS UNTIL XX/XX/XXXX. 


4. My name and phone are spelled incorrectly on all fraudulent charges. PLEASE LOOK AT THE BILLING AND SHIPPING ADDRESSES. THEY ARE WRONG!!!! 

Under the federal Truth in Lending Act ( TILA ), credit cardholders can only be held liable for unauthorized charges up to {$50.00}. Because Im facing charges of more than {$1700.00} Discover can not demand payment of this unauthorized charge or any related fees. 

I did exactly what I was supposed to do under these circumstances. When she received her credit card statement, I reviewed it immediately. Then, I quickly disputed the unauthorized charge multiple times. As soon as Discover was notified about the disputed charge, it was obligated to perform an investigation under the federal Fair Credit Billing Act ( FCBA ). At first, it appeared that the charge was handled correctly because the charge was reversed and removed from my account. But when the charge reappeared and I re-disputed, the credit card company violated the FCBA by : -Failing to perform a proper investigation, -Failing to consider the evidence XXXX provided XXXX -Failing to provide proof of the contract or receipt that XXXX allegedly signed in support of the charge, -Permanently reinstating the charge that was previously removed, -Refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, and -Continuing to demand payment of the charge and associated interest and fees. 
-Unlawfully charging XXXX for a transaction I did not authorize, -Failing to investigate and correct the charge, -Falsely claiming it did investigate, Billing me for amounts I dont owe, and -Trying to collect the unauthorized charge while adding interest and other fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Subject : Request for Name Change, Profile Merge, and Updated Credit Report DeXXXX XXXX XXXX XXXX XXXX XXXX XXXX request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to predict consumers, but also has allowed repeat offenders to explore the system even users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received this attachment notice of owing fees in the amount of {$5900.00} to XXXX XXXXXXXX University. I discussed with a rep from XXXX over a year ago this with a veteran liaison this debt is false reporting collections. Now this has resurface under a recovery management service. I am a XXXX veteran and my school loans and debt has been approved and removed under the Permanent Disability Discharge Act as of XX/XX/2021. I have not received any services from XXXX and have reported this several times. During the time I was requesting services I never received any items in time of need for courses and reached out and no one responded in a timely manner.
Product: Credit card

I have this card since XX/XX/XXXX with the initial balance transfer of {$450.00}. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since XX/XX/XXXX. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day XX/XX/XXXX of {$8.00} per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitting the payment to purchases and not toward the initial balance transferred. I think this is so unfair not to apply to the oldest balance first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too, nor authorize these inquiries on my transunion consumer report : 1. XXXX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX, XXXX  XX/XX/XXXX 5.XXXX  XXXX XX/XX/XXXX Transunion did not have my permissible consent to share my consumer report with these companies. Everything is electronic I did not give them my written consent to share my consumer report with any corporation per section 1681n ( b ) which makes Transunion civilly liable. Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( b ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681n ( b ) I the consumer am appalled to fact that XXXX violated the laws and humiliated me to those corporations and I demand remedy {$1000.00} per inquiry 15USC 1681n ( B ) and {$1000.00} for the violation via Check Per section 15 USC1681n ( A ) .I would greatly appreciate a response from you within 30 days.
Product: Credit card or prepaid card

Someone opened a fraudulent account using my identity around 2018 and the company keeps telling me Im still responsible for the debt and I created it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had an accident in my XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX declared that the vehicle was totaled. The adjuster from XXXX XXXX XXXX was provided with three incorrect letters of guarantee from XXXX XXXX. The adjuster asked if I could get my attorney involved because they were not providing him with any information. Each letter XXXX sent to the adjuster was the total amount of my loan, not the vehicle. On XX/XX/XXXX, XXXX XXXX cleared the total of my XXXX XXXX XXXX for {$16000.00}. I received a call from XXXX XXXX requesting a payment toward the remaining balance on the account which was {$1900.00}. I advised the agent that I could only pay {$250.00} at the time and I could make a payment every two weeks to clear the balance. On XX/XX/XXXX, I received a notification via email from my Equifax account that XXXX XXXX reported {$1700.00} as a charge-off on XX/XX/XXXX. I spoke with four agents from XXXX XXXX on XX/XX/XXXX, concerning this matter. I asked if XX/XX/XXXX, to XX/XX/XXXX, 120 days to put a charge off on my credit. They only provided the address to dispute the report on my credit. It took from XX/XX/XXXX to XX/XX/XXXX to provide the correct letter of guarantee and receive a payment.
Product: Debt collection

XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that a collection Agency named XXXX is fraudulent reporting an account I never had in the time frame they specified on the bill dating back to XX/XX/XXXX. I have repeatedly asked XXXX and TransUnion through disputes for proper validation of this debt since XX/XX/XXXX and I have continuously explained that this account isn't mine. In XX/XX/XXXX, I was with the carrier XXXX at the time and had been for some years. XXXX sending me a bill is not proper validation. Plus the name addressed on the bill is not even my identity.I initialized a dispute with TransUnion on XX/XX/XXXX and they responded back today, on XX/XX/XXXX as " validated ''.
Product: Credit card

This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not?
Product: Credit card

This is regarding my CARECREDIT REWARDS MASTERCARD from Synchrony bank. Account ending XXXX I'm a victim of fraud and the bank is not removing those charges for months, here is the incident - A offshore hacker hacked into my XXXX account and placed XXXX fraudulent order on XXXX of XX/XX/year> - Even though XXXX recognize the charges are fraudulent, the Bank is not removing the charges and declining my claim- I talked to XXXX and XXXX XXXX  countless time and XXXX said : - They have already filed an appeal to the bank stating these orders/charges are fraudulent. XXXX 's latest appeal number to Synchrony bank is XXXX dated XXXX XX/XX/year> Please find beloe the XXXX order XXXX, date, fraudulent charges to the credit card XXXX XXXX {$310.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$310.00} XXXX XXXX {$470.00} XXXX XXXX {$310.00} XXXX XXXX {$380.00} Total : {$3300.00} Synchrony Bank never provided any dispute claim number, some of the recent interactions are as follows XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXXXXXX XX/XX/year> : - Called Synchrony Bank : - asking them to revert the charges XXXX reopen the case for the XXXX Time since XXXX XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXX XXXX XXXX mentioned they notified/ appealed Synchrony Bank that these charges are fraudulent. XXXX to Bank appeal number : - XXXX XX/XX/year> : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX XX/XX/year> : Called Synchrony Bank and asking about the resolution status : - no status given XX/XX/year> : Bank put all the fraudulent charges back to my credit card XX/XX/year> : - Stating XXXX the fraudulent charges to the bank : - XXXX number - XXXX XXXX : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX Please help me to remove these charges in my credit card,
Product: Debt collection

I sent them several certified letters and they have not respond to any of them! To verify my account and show record that they have a right to collect. I sent them a letter not to call anymore and you can see they did start to email me and I responded in a timely fashion to them and they have not responded to me in like manner. They trying to collect for XXXX and this is clearly out of time And I've responded to every letter they've sent. Unfortunately I have already filed letters of XXXX filed away.
Product: Debt collection

XX/XX/XXXX in judgement amount of XXXX paid to Orbit leasing told Treasury of Michigan in XXXX that the balance was XXXX dollars owed. Received in XX/XX/XXXX correspondence about another balance owed in amount of XXXX odd dollars from Orbit Leasing again. I paid this company through XXXX district courts for fine in XXXX but paid XXXX district court for fine due to Orbit Leasing in XXXX for debt. Also was garnished by Michigan Treasury in XXXX, XXXXOrbit Leasing, I had to let it happen this way because at time I was homeless and mainly living in an hotel and with family up until XXXX of XXXX when I moved to XXXX XXXX XXXX XXXX XXXX MI XXXX 

Case number used to garnish wages XXXX year XXXX for year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and capital one shall also be responsible for charges and fees