23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$560.00}, ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit repo
rt, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.
Product: Mortgage

The escrow company for my MR. Cooper loan paid for homeowner 's insurance for this property in XXXX of XXXX and again in XXXX of XXXX Homeowner 's insurance is a 1 year policy so it appears they either purchased 2 policies or at the very least overpaid for homeowners insurance. This has caused my payment to increase significantly and they are now keeping enough escrow every month to pay for 2 insurance policies. I tried to contact them to find out if this was in error or if something else had occurred. I also wanted to know if any refund was given for one of the policies since 2 are not needed and if my account could be reanalyzed since i feel they are holding too much money out for escrow due to this possible oversight. No matter what buttons i pushed on their automated system I could never speak with a human and none of their automated options dealt with this specific issue, finally the automated system hung up on me. I have also tried through their help center to find out what is going on, with no success. I feel they are definitely breaking the 2 months residual allowed to be held in escrow law. Maybe not intentionally, but it would be nice to be able to speak with a person, especially since they can just charge me at will and purchase forced insurance if i don't pay the demanded amount.
Product: Debt collection

I just checked my credit and I have no idea as to why its on there. They never contacted me at all. I want evidence showing that they even tried to contact me How can a company put on my record without contacting me
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Moneygram submitted a debit card transaction to my XXXX  XXXX XXXX Account for a wire transfer in the amount of {$2900.00}. Moneygram did this again on XX/XX/year>, in the amount of {$3000.00}. When reviewing my account statement on XX/XX/year>, I noticed that my account balance was significantly lower than I had anticipated it would be. I reviewed all of the transactions posted on my account and saw that MoneyGram had made two withdrawals using my debit card on 2 separate dates with a grand total of {$6000.00}. I reported this as a fraudulent transaction too XXXX  XXXX XXXX and they opened a case to investigate under claim ID XXXX. On XX/XX/year> I called XXXX at XXXX to report fraudulent activity using my debit card. They asked me questions for several minutes to obtain details of the transaction, but in the end they only stated that they were " sorry for the inconvenience, but there was nothing they could do to refund my money. '' I do not now or ever have had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has all 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: Money transfer, virtual currency, or money service

In late XX/XX/2020 I opened a XXXX account and on my mobile device a XXXX XXXX. I did so and followed all instructions about the phrase they use to recover. Then just a few days later when I went to open the wallet, it prompted me to add 2 step authentication XXXX a program on my mobile device that gives me a new code each time I login, for safety purposes. When I performed that task, it gave me a recovery code. I have the screenshot and print out. It is a lengthy code of various numbers and letters. At the bottom of the page it states " you have now enabled 2 step verification for your account. Please note that if you lose this code and your password, you will permanently lose access to your account while 2 step verification is enabled. '' so during XXXX through XXXX I used the wallet app and opened on regular basis, depositing various currencies. I have record of deposits. Then one day it would not allow me to open, stating something on my phone had changed? So I went to the recovery code I printed and gathered my login and password only to find they now want the 12 word phrase used at the creation of the account. I have reached out to XXXX and got a standard reply while I was traveling. By the time I got back the inquiry had expired and I had to contact them again, they again stated I needed the 12 word phrase. I replied with the information I noted above and to date have not gotten a reply in any form. I had deposited almost {$10000.00} and that is worth more now. I did exactly what the program advised me to do. I saved the code it gave me, and I have the password and login for my account. This is a public company so was surprised by the lack of communication and assistance. It may be an accidental or innocent oversight on how they set up their program, but fact of the matter is I have done exactly as asked. Please let me know what if any information is required. I have the code and instructions saved and also printed. I have the deposits and dates also. Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2020, I requested a wired Transfer of {$40000.00} from my Bank in XXXX ( XXXX XXXX ) to be deposit in my bank account that I have with Simple ( BBVA USA ) here in the US. My bank in XXXX confirm that the transfer was completed on their end, to this day XX/XX/2020, I have not received the money. I have called multiple times my bank ( Simple ) regarding this issue and also email them all the information that the Bank in XXXX gave me. Each time I spoke with an agent over the phone, they keep requesting me a 15 digits number so they can trace this fund. But my bank in XXXX did send me a list of all the details they have. For weeks now I have been calling my back in XXXX to make sure the money did not go back into my account, but they told me that no fund came back and to check with my back in the US. I have been late on a lot of my bills and I find myself in a hard situation, I hope to have more clarity about where the fund is. 
My bank is with Simple but the parent company is BBVA USA
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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.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.
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent letters asking them to reinvestigate these accounts listed below XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXXXXXX XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate Can you look into this matter
Product: Credit reporting or other personal consumer reports

On XX/XX/ I tried to contact transunion and they were closed I want my account information updated on my line of credit My account balance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We are leasing a XXXX XXXX XXXX. The lease started in late XX/XX/year>. The contract clearly states that our first payment would be due on XX/XX/year>. 

When we logged onto our account to make that first payment, we were greeted by the news that we were a month behind. According to Hyundai Motor Finance, there had been a payment due on XX/XX/year>. 

The ensuing customer service nightmare was so chaotic and bizarre that it's hard to lay out a narrative. For one, it's almost impossible to get a person on the phone at Hyundai Motor Finance. Then, if they believe you owe them money, you get transferred to debt collectors who literally can't do any customer service, but won't transfer you elsewhere unless you pay up. Also, it was not uncommon to find yourself on the phone with someone whose English was so poor that communication was basically impossible. 

We were not informed when there was an issue with a payment subsequent to the initial submission, which for some reason kept happening. Nor was it ever clearly explained to us how many payments behind we were as a result. Notifications and correspondence were inconsistent, irregular, and seemingly randomly distributed across multiple email addresses and phone numbers. This is not how we had set it up in the system. We tried to enroll in AutoPay but kept running into problems there.

This went on for months. At one point, the dealer got involved and we thought the situation had resolved itself. It was our understanding that the date had finally been corrected and the account was current. 

This was not the case, and the car was repossessed in XXXX. We had a received one snail mail letter informing us that this could happen if we missed three payments. To the best of our knowledge, though, we were not three payments behind at the time. That was it. No voicemail, email, or text. The car was towed from our driveway under the cover of darkness. We were awake, though. 

We subsequently finally got clarity on what was going on with our account, paid what was owed, and regained possession of the car. None of this would've happened if Hyundai Motor Finance had done the bare minimum expected of a lendor : tell us what we owe and work with us to avoid repossession. Instead, they seem intent on doing the opposite of this, so that we have the least favorable outcome.
Product: Checking or savings account

I found out today that a hold was put on my account for {$8800.00}. I chatted and then called Citizens Access multiple times trying to get more information and was told a court garnishment was placed on the account and that was the source of the hold. When I asked which court, I was told they could not tell me the state, municipality or any other information and I should 1 ) call the clerk of court and 2 ) hire a lawyer. I called the judicial court in XXXX XXXX and the clerk told me there is NO record of any judgement against me in any court in New Mexico. There is also no record of garnishment from any tax agency Ive been able to find. I have no idea how its legal for a bank to put a hold on and then withdraw funds from my account without a real court order. To my knowledge, there is no lawsuit or court order against me anywhere. This feels like a scam and the bank is actively participating in it while also keeping my funds from me.
Product: Credit card

This account was closed on XX/XX/XXXX due to late payments then was charged off. I was approached XXXX of XXXX to settle the account by paying around {$4000.00} and they would consider clearing up my balance of arounbd {$10000.00} and consider the account baalnce settled in full. This was negotiated with an outside collection agency. So I paid the money and now TD Bank is reporting like I made a regular payment and now showing that the account is paid less than full balance paid and it was charged off. 
This was supposed to be an agreement to pay less than and consider the account settled in full. 
I reached out to TD Bank on XX/XX/XXXX expalining the situation and they said I needed to go on their website and download some dispute form and fill it out and mail it in. 
I should not have to go through all this considering they handed it off to an outside agency and made an offer which I accepted to pay less then what I owed to consider the account settled in full. 
I just want the credit report to show the correct information, not showing that I just made a payment and that I still owe a balance of over {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Bank of America ( BOA ) of a fraudulent application submitted with his information without his consent for an account ( acct # XXXX ). The current balance of that account is unknown but the account has a limit of {$800000.00} dollars. A formal dispute of this account was mailed certified with return receipt to Bank of America fraud department XX/XX/2018. A reply was received by this office concerning " an attempt to add a POA to the account. '' That was not the intent and it stood to verify BOA did not read or review the dispute information that was provided. A second official dispute was mailed certified with return receipt to BOA XX/XX/2018 and as of this date BOA has failed to reply or update the status of their investigation as is their obligation under FCRA. This action is a violation of my client 's federal consumer rights.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  - XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed with XXXX twice that the account with XXXX XXXX XXXX ending in account XXXX has been charged off by the original creditor and they received a tax write off for the charged off loss in the amount of {$20000.00} of which was the full loan amount but they are still reporting that I owe {$8400.00}. I explained that I never received a 1099 from XXXX XXXX XXXX to go through the proper reporting to the IRS. I also know that they filed a claim with their insurance company to offset the alleged loss. The liability no longer exists due to these two actions but they are still reporting it and XXXX has not shown me their steps they have taken to verify this which goes against my rights through the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and clearly unverified information is being reported for me. I am a victim of identity theft and I need verififable proof that all information being reported has been verified.
Product: Student loan

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX grossly underestimated the actual cost of attendance, falsified job placement data and salary expectations. The financial advisor we were given to discuss loan repayment schedules went to jail for fraud. XXXX was also operating with limited accreditation and did not disclose this to current students at the time. 

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 


Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX