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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct XXXX XXXX, XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 consent 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. 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

After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated
Product: Checking or savings account

Basically got a check for death benefits and deposit it and it bounced and they closed my account cause of they said a fraud check. I would never do it on purpose. It was truist bank of XXXX XXXX. I believe it was a good check.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. On the month of XX/XX/2022 I zelled a deposit for a boat party for a boat that never existed I got scammed. XXXX  informed me there was nothing they could do! This was unfair to me and I reached out with all the proof of no service being given to me.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Remove these inquiries, please. I don't know anything about this, and the company did it without asking me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting  Agencies ( CRA ) Experian, XXXX, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA XXXX provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The XXXX CRA XXXX always state that they never received my supportive police reports or complaints. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Product: Checking or savings account

Capital One Bank is having a third party technical issue and withholding customers direct deposits. I was supposed to receive a direct deposit on the morning of XX/XX/XXXX and as of XXXX on XX/XX/XXXX I still do not have access to my money. Monday, XX/XX/XXXX, is also a holiday and therefore money will not be available until at least Tuesday XX/XX/XXXX... that is if they fix the issue. Capital One has been vague and even unresponsive to customers concerns. I did not receive an official notification of the issue until XXXX, when the issue had been ongoing for XXXX hours at that point.
Product: Consumer Loan

My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.
Product: Debt collection

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 25 times a charge off on one account. How can any single account be charged off 25 times? A negative remark in XX/XX/2019 and two 120 days late back to back. The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several documents supporting the bankruptcy as an error on my report. I finally have a letter from XXXX saying they have removed it from my record yet XXXX continues to say they are getting this information from XXXX, and continue to let it remain on my report which is a lie as I have a letter from XXXX stating they have removed it and that they have informed XXXX. Also they have my date of birth incorrect I've sent my state DL identifications several times including a notarized letter with a copy of my state id, and have uploaded this information to their online dispute several times and they continue to let my date of birth remain wrong I first noticed it was wrong in 2008 when I turned XXXX and started looking for an apartment which was the first time I noticed someone has been using my SSN. They continue to leave this wrong information on my report now for over 15 years of me finding out and for over 2 years now regarding bankruptcy and all accounts associated with it no matter how many times I dispute it. Bankruptcy reporting is also in error on TransUnion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Date : XX/XX/year>XXXX Clark County Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Subject : Request for Debt Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am writing to request validation of a debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I received a communication from you on [ date of initial communication ] regarding an alleged debt, which I have listed below for reference : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Amount : {$390.00} Under 15 U.S.C. 1692g, I am entitled to verification of this debt, including a detailed accounting of the amount owed, the original creditors name, and any supporting documentation that confirms my liability. Please provide the following information : 1. Verification of the debt, including a copy of the original agreement that legally establishes my obligation to pay.

2. A complete breakdown of the total amount claimed, including any interest, fees, or charges.

3. The date of the last payment made to the original creditor, and the current balance.

4. Documentation that proves your authority to collect on this debt.

Until this debt has been fully validated, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as required under the FDCPA. Additionally, please do not contact me by phone. Any further communications should be made in writing.

Please provide the requested validation within 30 days of receipt of this letter. If you are unable to validate this debt, I respectfully request that you remove it from my records and notify any credit reporting agencies of the inaccuracy. 

Thank you for your attention to this matter. 

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

On XXXX XXXX, 2022 I contacted TransUnion about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous amount of account review inquries on my trans union report that have been used without my consent, these inquries are now affecting my credit score and i feel like i should have been notified that my credit will be a factor, i feel like all these should be removed from my file since i had no idea that these will appear on my credit report. 
THINGS LIKE XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - DONT KNOW WHAT THAT EVEN IS, XXXX XXXX, ALL THESE SHOULD BE REMOVED. AS WELLL AS THE HARD INQURIES ON MY ACCOUNT THAT I HAVE NO IDEA ABOUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. I am requesting to remove account which I listed in Identity Theft because that one never belong to me, Some body used my ssn and personal information to applied for credit card. Please remove as soon as you can not mine account.
Product: Credit reporting or other personal consumer reports

In XXXX, I enrolled in XXXX XXXX XXXX program while residing in XXXX XXXX, to pursue a degree in XXXX XXXX. However, the classes assigned to me were unrelated to my degree, and the university failed to provide the promised quality of education or career preparation. 

Despite my efforts to follow the program, XXXX XXXX  misrepresented its offerings and left me with significant student loan debt for an education that did not align with my academic or career goals. In addition, the abrupt closure of XXXX XXXX  left me unable to complete my degree or transfer credits. 

I request a review of these practices and resolution through loan discharge, correction of any negative credit reporting, and appropriate accountability for the institutions actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for TransUnion Credit monitoring service, TrueIdentity, in order to place a lock on my credit report and for 96hrs ( and counting ) I have been unable to place a lock. However, credit card solicitations, work like a charm even though I have opted out several times. The only reason I elected to lock rather than to freeze my account is that that service of freezing my report did not work either.
Product: Mortgage

Foreclosure sale for my house is XX/XX/year>, I have made 2 mortgage payments spoke with my mortgage servicer XXXX XXXX XXXX  informing them there is a foreclosure sale set for my house. Please Help!
Product: Bank account or service

PayPal closed my accounts and refused to reverse XXXX unauthorized transactions. My mom used my XXXX account to pay for her bill with XXXX but forgot to add her own debit card. This resulted in XXXX unauthorized transactions in the total of $ XXXX. I talked to XXXX and they 're ok to have my bank pull the funds back or they can issue me the check but it wo n't cover service fees from XXXX and suggested that I talk to my bank. I did and they said according to the user agreement that I signed when I opened the accounts. I agreed that I will not share any information with anyone. And their definition of 'Unauthorized Transaction ' states clearly that transaction that the user did n't get the benefit from will be count as an unauthorized transaction. I filed a complaint with XXXX but they could n't do anything. 

Other info : XXXX Acc # XXXX [ obtained from XXXX ] Transaction # [ obtained from XXXX ] 1. XXXX XXXX/XXXX/2016 {$1200.00} 2. XXXX XXXX/XXXX/2016 {$1500.00}
Product: Money transfer, virtual currency, or money service

i started an allotment with XXXX to have XXXX dollars direct deposited to my USAA account. this was XX/XX/year>. When i filled out the direct deposit information. i accidentally added an extra number. This number threw off my account. The first set of checks from XXXX were returned to XXXX. i then went to change the amount from XXXX to XXXX. It was unknown to me that my funds were not being received at USAA. i took an assignment to XXXX XXXX. With the movement and new assignment i didn't catch the error until XXXX of XXXX i contacted XXXX and they had the 3 returned checks for XXXX and returned them. The customer service representative gave me the tracer numbers for the other months. These months totaled 8 months. i contacted USAA to have the funds returned to me or have to sent back to XXXX. i provided the tracer numbers to the checks that were sent to the wrong account number. I called USAA and they said they see the money but couldn't tell me the account. However to get the funds returned i had to have the issuing company send a letter to recall the funds. XXXX has reached out on a couple occasions now and they have been ignored. this was started in XXXX and it is still ongoing. i have attached the copy with the tracer numbers and i have attached a printed copy of XXXX responding to my inquiry about the funds. the total sum is around XXXX dollars. i have called and uploaded this information on several occasions. When i contact USAA customer service they agree that the tracer numbers show that it was supposed to go to my account but, i have yet to receive any funds to my account or back to USAA.
Product: Debt collection

Yesterday, XXXX @ Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, phone XXXX or XXXX called me at my cell phone asking for the payment due to XXXX XXXX XXXX XXXX, XXXX of {$430.00}. I told him I didn't owe them anything and I didn't know XXXX. I also asked XXXX which property address owing that such amount. He gave me one address in Texas. I told him I never lived in Texas my whole life. XXXX XXXX, this account under my name will be closed because it's a mistake. I also told him I reported a fraud to XXXX but also I wrote Convergent a letter explaining I don't know them or owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS AN ADDENDUM TO CASES XXXX, XXXX. ON FRIDAY XX/XX/XXXX I WAS CONTACTED BY " XXXX '' FROM THE CEO OFFICE FROM USAA ; HER EXTENSION LINE IS XXXX. DURING THIS PHONE CONVERSATION THIS REPRESENTATIVE CONTESTED THE COMMENTS FROM EXPERIAN WHICH INFORMED ME THAT USAA WAS REPORTING MY ALLEGED CREDIT CARD CHRAGE WAS BEING REPORT AS " 51 CHARGE-OFFS ''. THIS CONSUMER HAS NEVER HAD 51 ACCOUNTS WITH USAA. AS THE PHONE CALL PROGRESSED " DIA '' STATED THAT DURING XXXX THERE WAS A USAA POLICY WHICH IF A DEBT WAS OWED TO THE CREDIT UNION ( CU ), THE CU WOULD CUT ACCESS TO ALL ONLINE ACCESS TO ANY ACCOUNT. INXX/XX/XXXX, I WAS RE-STATIONED IN XXXX AS I LEFT XXXX. THIS CONCEDED THE FACT THAT USAA WAS SENDING STATEMENTS PERTAINING TO THE INCORRECT ADDRESS AND I HAD NO RECOURSE IN CORRECTING THE ISSUE AS MY ACCESS TO MY ACCOUNTS WERE RESTRICTED BY THE POLICY THAT HAD IN AFFECT AT THE TIME INXX/XX/XXXX. XXXX INFORMED ME THAT SUCH POLICY HAS BEEN TERMINATED. IN XX/XX/XXXX, USAA SENT ME A CHECK FOR {$200.00} FOR A REFUND FOR FRAUDULENT BANK CHARGES ASSESSED TO MY ACCOUNT WHICH CAUSED MY ACCESS TO BE RESTRICTED. THIS DISCLOSURE CONTRADICTS THE EXPLANATION PROVIDED BY USAA TO CFPB ON XX/XX/XXXX CASE # XXXX. " BETWEEN XX/XX/XXXX AND XX/XX/XXXX NO CREDIT CARD PAYMENTS WERE RECEIVED. ON XX/XX/XXXX THE ACCOUNT WAS PERMENANTLY CLOSED, AS IT HAD REMAINED PAST DUE FOR 90 DAYS. DURING THIS TIME, USAA MEMBER DEBT SOLUTIONS BEGAN MAKING OUTBOUND CALLS, VARIOUS PAST DUE NOTICES WERE GENERATED, AND MONTHLY CREDIT CARD STATEMENTS WERE SENT TO YOU. '' AS XXXX CONFIRMED USAA SENT ACCOUNT INFORMATION TO AN ADDRESS AND STATE I NO LONGER LIVED IN, WHILE USAA RESTRICTED ACCESS TO MY ACCOUNTS, BASED UPON THEIR FORMER POLICY TO RESTRICT ACCESS TO ACCOUNTS IF PAST DUE BALANCES EXIST. XXXX ALSO STATED THAT I MADE A STATEMENT FOR " USAA TO CEASE COLLECTION EFFORTS IN XX/XX/XXXX '' THIS IS AN ECHO STATEMENT  FROM CASE # XXXX. " USAA CEASED COLLECTION EFFORTS IN XX/XX/XXXX, PER YOUR REQUEST FOR A CEASE AND DESIST. '' THIS IS FALSE, AS XXXX CLEARIFIED ; THE CEASE AND DESIST WAS ISSUED TO A 3RD PARTY DEBT COLLECTOR AND NOT USAA DIRECTLY. USAA MISREPRESENTED THIS ELEMENT IN THEIR STATEMENT TO CFPB. USAA CONCLUDED BY STATING THAT THEY ARE OBLIGATED TO REPORT ACCURATE INFORMATION TO CREDIT REPORTING AGENCIES, AND AT THIS TIME " XXXX '' STATED THAT XXXX WAS AT ERROR FOR REPORTING THE " 51 CHARGE OFFS ON MY CREDIT REPORTS.
Product: Student loan

XXXX University, University XXXX XXXX. Loan amounts are crazy high. I owe, according to them and XXXX {$130000.00}. My payment is {$890.00} per month. My income is only {$34000.00} Per year. Am a XXXX Veteran with an XXXX XXXX and XXXX XXXX XXXX. I am now being threatened with sever financial repercussions from them at XXXX and EDFinancial. 
I really didn't know I had to repay these loans when I started going to school as it wasn't clear to me. I thought i didn't have to because of my Military back ground. I was XXXX when I started and now i am over 40 % XXXX and may be cleared at 100 % ( waiting on verification from the VA ) due to XXXX XXXX activities in XXXX, XXXX and XXXX. 
I was hoping that some of these " FOREGIVENESS '' items presented to our Legislatures would work out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance XXXX XXXX-Late/Closed Late Date XXXX