23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I spoke to Apple and I explained what happened the purchases were made through appl e pay and my physical card was stolen and my phone was also stolen. Apple closed my account and is forcing me to pay outstanding balance for transactions I did not make I have had to replace my phone multiple times. Apple is making it seem like I am lying about the situation and I feel very disrespected on that matter.
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 XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card or prepaid card

I contacted USAA about how my statement has two separate interests rates. One for cash advance and one on regular interest. The Interest for the cash advance will stop once the full payment on the account is made. So even if I pay back the amount I took out from the cash advance I will still be charged until I pay my whole balance. The reason they do this is because " The company is not allocated that way, so we can not separate where the money go. '' Quote From the Member of resolution team. The fact that it is the bank who sets up the fees, amounts as well as where the money goes is concerning sense this bank that is suppose to be supporting Troops or " American Soldiers. '' This seems like a way that would benefit the Bank more than the soldiers. Sense I didn't have a XXXX balance even after a year I was still being charged interest, but was paying.
Product: Payday loan, title loan, personal loan, or advance loan

I called My Quick Wallet on XX/XX/year> and asked them to immediately revoke my ACH authorization on my account. The lady was rude and hung up on me. I then follwed up with an email to XXXX saying, please immediately revoke my ACH authorization effective XX/XX/year>. I did not get a response. I then went to myquickwallet account and everything was changed to my account being late, I can't make payments online, etc. Then I received an email yesterday, Friday, XXXX XXXX at XXXXXXXX XXXX from XXXX of a " courtesy reminder '' that I had an upcoming payment by debit card in the amount of XXXX on XX/XX/year>. And the email goes on. ( conveniently their hours stated on the website are XXXX XXXX  to XXXX XXXX EST and I live in the PST so I could not call them ) I immediate sent them a screenshot of the email I sent them the day before and again, no response. When I went to my account like the email said I can also view or request changes to your payment options on line using our members area. ( I COULD NOT! ) And today XX/XX/year> NOT XX/XX/year> {$290.00} has been taken from my account.
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX/XXXX. I cant say this more emphatically, I have never had a XXXX/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Unrecognized Credit Inquiries Reported by TransUnion Dear Sir/Madam , I am writing to formally file a complaint regarding several credit inquiries that have been reported on my credit file by TransUnion, which I do not recognize or authorize. Upon reviewing my credit report, I noticed the following inquiries that I do not recall authorizing or granting permission foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these inquiries are either unauthorized or fraudulent, as I have no record or recollection of applying for credit or authorizing these companies to access my credit report. I am concerned that my personal information may have been compromised, or that there is a potential for identity theft.
Product: Credit card

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report and personal information has been exposed and manipulated due to the Equifax Data Breach.

I have the following unauthorized and fraudulent hard inquiries posting to my credit report, as well as a collection account that I have no knowledge of. 

Please make sure that these accounts are removed due to identity theft and fraudulent activity from my credit report immediately. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have the credit reporting bureaus remove these fraudulent items immediately. Thanks!
Product: Debt collection

CREDIT COLLECTION SERVICE is attempting to coolect a debt from me that I paid off already. XXXX was the original debtor. The account number is XXXX. 

The reference number for the file is # XXXX. 
The confirmation # is XXXX. 
The psyment was {$190.00}. 

This account has been paid in full.
Product: Checking or savings account

I am very disturbed by Chase Bank regulation on people who wants to close my husband who passed away several years ago. I have sent all the documents about my husband 's death certificate ( original, government ) with notary public, apostille and small estate certificate from government and with notary public. And Chase still wants to have all those things apostille. And the amount is less than {$2500.00} dollars. It already took me spending more than half year to get those. Why the Chase Bank always make people trouble to get their money back?
Product: Checking or savings account

On XX/XX/XXXX I had a bal in my checking account of {$120.00}. On XX/XX/XXXX l checked account again and it showed negative {$400.00}. The pending transactions were a {$75.00} and {$450.00} auto payments. The {$75.00} payment was pending 1st and {$450.00} payment 2nd. I made arrangements to transfer {$400.00} into my account to cover amount short.. This morning XX/XX/XXXX checked bal and it showed {$400.00} deposit pending because it arrived after midnight, but they reversed the order of the 2 automatics and charged me two {$34.00} overdraft fees. When I called Chase bank to correct problem and at least refund the od fee for the {$75.00} payment, they refused stating it was there policy to pay the higher amt check first, advised her that the policy did no benefit me in any way, but allowed them to charge and extra od fee on my account. When I advised her that I had a screen shot showing the {$75.00} pmt pending 1st and the funds were there to cover it, she said did not matter because it was there policy to post larger amt Please help. Thanks XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments XXXX  XXXX  - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 



I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX/ XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past few years I have been going back and forth with credit acceptance with the way they handled my loan.I was involved in an accident and my insurance company came and got the car from my possession.During this process insurance company needed the title to get rid of the car and credit acceptance and insurance company were both asking me for the title that I didnt have because credit acceptance had the title.I was charged almost XXXX for this title that I didnt have and because of me not sending the title I was given a voluntary repossession on my report even though the loan is 100 percent paid off.when I spoke to credit acceptance they agreed they made a mistake on there end but Im still left with this repo on my account I ask it to be removed from my account due to there mistake.This has been going on for a few years and they just realized they made a mistake.If you look at there replys from my old complaints they were asking for a title that once again they always had in there possession
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

The law also states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Debt collection

I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.
Product: Checking or savings account

On XXXX I received an email around XXXX that and account had been opened with Bank of America XXXX I did not do this and had nothing to do with nor did I approve it. I called Bank of America and after speaking with 2 people I have no idea if the issue was resolved. I have since locked my credit reports with XXXX XXXX and XXXX. XXXX makes the process near impossible and I am struggling with it still. I also put a fraud alert on my credit files and with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XXXX to remove my fraud alert. I then received a letter from XXXX saying my request was forwarded to XXXX and Experian. Surprisingly, both XXXX and Experian created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from Experian because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within XXXX business days of receiving the notification. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$100.00}
Product: Debt collection

Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} CAVALRY PORTFOLIO SERV - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is XXXX XXXX. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.
Product: Money transfer, virtual currency, or money service

Have money sent to me sent proof and still never received it
Product: Credit card

They have build up a {$60.00} charge to over {$160.00}. XXXX ran the scam by a bad cashier, it was corrected, then put back six weeks later by some one who did not know the correction. XXXX refused to pay back the bad bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Payday loan, title loan, personal loan, or advance loan

They claim they gave me XXXX on XX/XX/XXXX. I sent bank statements that they did NOT.
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. 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.