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. 
Account name 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: Money transfer, virtual currency, or money service

Earlier this year I noticed several transactions in my account from PayPal that I did not authorize. The total amount of transactions came to {$2500.00}. One of my credit unions ( XXXX XXXX ) credited me back ( {$620.00} ) and my other credit union ( XXXX XXXX XXXX ) advised that I needed to work with PayPal. I reported everything as fraud to PayPal on XX/XX/XXXX and I was advised that they can only dispute transactions that happened within the last 180 days. All of the transactions took place well within the 180 day timeframe aside from ( {$50.00} ) that came out of my account at the end of XXXX. PayPal approved half of my claims of fraud totaling ( {$1000.00} ) and are continuing to hold me responsible for the additional ( {$860.00} ). I have been working with XXXX on this case and we have been continuously disputing the transactions while PayPal continues to deny the claims. They have advised that the same IP that accessed this account is the same IP address that completed the transactions. However, as I have continuously tried to explain to PayPal, I have not accessed this account in years. I was told by a PayPal representative when I first disputed these transactions that the email address on this account had been changed [ not by me ] and that the first transactions to be made on the account in XXXX and XXXX of XXXX were test transactions, she thought this because they were in the sequence of ( {$0.00} ), ( {$0.00} ), ( {$1.00} ), ( {$9.00} ), and then ( {$38.00} ). After that, the transactions only became larger. The email address used to make the transactions was XXXX and this is an email address I have never owned, created, and/or had access to. I am requesting a thorough investigation into this matter as PayPal has refused to resolve this matter in my favor.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wile we were in bankruptcy XXXX XXXX listed on our credit report as delinquent with Trans union credit. We contacted trans union and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with XXXX XXXX.Upon completion of our bankruptcy XXXX XXXX continues to refuse to list our mortgage on our transunion credit report. It has been more than 2 Years of multiple calls and letters to XXXX XXXX to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only trans union who I have contacted and has said its XXXX XXXX XXXX our Mortgage data and refuses to release it. This adversely affects our transunion credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do
Product: Credit card or prepaid card

I'm less than 24 hours overdue and being charged a late fee, attempted to reach Customers support on several occasions upto 2 weeks before my payment due date, with every call being rejected or my calls were dropped, called capital one just now and the guy got hostile and threatened more charges and would not help
Product: Debt collection

Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone ....
Product: Debt collection

CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.
Product: Student loan

I received electronic communication from Nelnet on XX/XX/XXXX  that I had been approved for the SAVE program, which stated that my payments would be {$0.00}. In attempts to keep my account from accruing interest under the SAVE plan, I wanted to start making payments and enroll in auto-pay to take advantage of the lower interest rate. Instead, I found that my account has been placed in Administrative Forbearance, with no notice from Nelnet and no explanation as to why. 

I attempted to contact Nelnet on XX/XX/XXXX  and XX/XX/XXXX  via email on the web site, as I have done with past communications, but have not received a reply other than an auto reply telling me to look at the FAQs for my answer or to call. 

Many others in my position say they spend hours on hold only to get a response from customer service that they dont know why theyve been placed in administrative forbearance or whether or not the interest accruing on their balance will be waived.
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. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Mortgage

Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..
Product: Student loan

On XX/XX/2023, I requested a change to my repayment plan for my student loans with Nelnet. I requested a graduated repayment plan and received confirmation via email that it would be implemented within 7-10 business days. Nothing has changed with my account since then ( over a month ). I have tried several times to contact them via telephone ( with multiple hours of being on hold before being disconnected ) and via email with zero responses. Today I have been on hold on their help line for over an hour and a half with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

Late fee ( {$20.00} + interest ) was charged for a balance-in-full payment ( {$1000.00} ) XXXX DAY after the standard due date. 

Two things annoy me here : 1 ) The implied interest rate works out to north of 600 %. As you know, there are a few ways to calculate the interest rate implied by a late fee, but I believe my calculation is the most appropriate. Had I paid XXXX day earlier, the fee would have been {$0.00}. So Citibank has charged me {$20.00} for the use of {$1000.00} for XXXX day. Note they separately ding me for interest too ( {$4.00} ) -- I 'm not even bringing that up here. 

2 ) the due date is a few days before the cycle-end date. There is no practical reason for this mismatch and honestly it strikes me as ( at best ) an anachronism from slower systems and processes of the 20th century and ( at worst ) a deceptive practice. Cycle date and due date should be aligned -- there are too many dates to keep track of.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits 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 protect 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.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Equifax Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. The notice was sent to a non-mailable address, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer report. 
Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 

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

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXX XXXX XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Product: Prepaid card

I have tried since XX/XX/year> to receive a replacement card for a {$500.00} gift card that I lost and never used. 

In XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX saying that their " records indicate that you may be entitled to funds remaining on an XXXX XXXX XXXX XXXX XXXX. '' Those funds amount to {$500.00}. To receive the funds, I was to fill out a form and send a copy of my ID and proof of address in. I filled out the form, provided the proper verification documents, and mailed it in. I never received a response. 

On XX/XX/XXXX, I called the number on the form : XXXX. This transferred me to the third party group that manages the gift cards -- Incomm. After this call, they told me to send the same documentation via email to XXXX and then they would be able to reissue the card. I sent : copy of ID, proof of address, and receipt of gift card purchase. I received an automated response that they received the documents. 

On XX/XX/XXXX, I emailed to follow up with them. I received a response on XX/XX/XXXX where they said that the documentation was wrong and to call if I had any questions. I immediately called them to figure out what was wrong. They asked me to resend the documentation. I did -- now for the third time. 

On XX/XX/XXXX, I received an email saying there was an update in the case and to call them. So, I called them. I spoke with a man named XXXX, who said to resend the documents. He said that he will immediately take care of this and the card will be shipped out and received in the next 30 days. I resent the documents -- now for the fourth time. 

On XX/XX/XXXX, I received another email saying that my proof of address was wrong, and to send a new proof. I sent another utility bill. 

On XX/XX/XXXX, I called as I still hadn't received a card in the mail. I spoke with Deejay, who at first tried to tell me that someone else had been calling them regarding my card and that if I could not verify the name of that person, I would not get my card. Seeing as I am the only person that knows about this card, I could not verify any one that would have called. He then also claimed that a replacement card had been shipped out three time previously. After a while, they finally assured me that my card will be shipped out via XXXX, and I will receive it in the next 3-5 business days. 

It is now XX/XX/XXXX, and I have not received the card. I will be calling again today to see where my card is, but I expect the same tricks -- wrong documentation, people calling about the card, they shipped it out months ago and I haven't received it, etc. 

I am shocked that XXXX XXXX would outsource their gift card administration to a company as shady as Incomm. This process should have taken no less than 3 weeks. We are now going on four months of trying to receive a replacement card.
Product: Student loan

Student loan repayment initiated approximately 20 years ago, went into default, payments began XXXX 2010 with beginning balance of {$11000.00}. Since then $ {$4400.00} has gone toward interest, {$2600.00} towards principal with an outstanding balance of {$9400.00} on an 8.25 % fixed loan with monthly payments in the amount of {$120.00}. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was XXXX XXXX XXXX, XXXX XXXX TX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Product: Debt collection

ENHANCED RECOVERY COMPANY XXXX {$1900.00} Account Information Address XXXX XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1900.00} Original Creditor XXXX XXXX  Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Product: Credit reporting, credit repair services, or other personal consumer reports

went to XXXX XXXX to purchase a pick up and they made 8 hard inquiries on my credit.