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

In accordance with the Fair Credit Reporting Act XXXX XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXXXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report, and noticed my information was exposed in the data breech the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX  XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : An online dispute was made : XX/XX/XXXX Confirmation number : XXXX ( enclosed is company 's modified generic investigation ) XX/XX/XXXX Confirmation number : XXXX ( enclosed is company 's modified generic investigation ) A dispute was mailed out to the company certified mail ( XX/XX/XXXX XXXX # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : 1. XXXX  XXXX XXXX {$300.00} - Inaccurate Reporting. Account has been PAID IN FULL 2. XXXX XXXX XXXX XXXX. {$15000.00} PAID IN FULL. I request you provide proof of these alleged late payments. 

3. XXXX CREDIT XXXX XX/XX/XXXX - Unauthorized Inquiry 4. XXXX  CREDIT XXXX  XX/XX/XXXX - Unauthorized Inquiry 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry 7. XXXX XXXX- XXXX XXXX - Unauthorized Inquiry 8. XXXX XXXX XX/XX/XXXX, XXXX Unauthorized Inquiry 9.XXXX XXXX- XX/XX/XXXX - Unauthorized Inquiry 10. XXXX  XX/XX/XXXX, XXXX Unauthorized Inquiry Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

XXXX lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

received credit report from XXXX and they would not remove the fraudulent XXXX account and two others
Product: Money transfer, virtual currency, or money service

A XXXX request of {$470.00} was taken out of my account from XXXX XXXX, phone number XXXX. Multiple requests to get said money back were declined by the other party. I called my bank ( Chase ) to see about reversing the transaction but they said they couldnt. My bank said that since the transaction is through XXXX and it was same as cash I would have to contact the other party to try to receive it back. Long story short unless the money is directly coming from your account or directly through the XXXX app neither organization can reverse the transaction. Sounds simple but I guess its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below did not notify me before placing these accounts on my credit report. XXXX, XXXX, and TransUnion has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
Product: Debt collection

Requested validation of the debt from the original creditor XXXX XXXX XXXX XXXX to which now LVNV FUNDING LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX  XXXX XXXX have charged off and closed the account prior selling it to LVNV FUNDING LLC
Product: Checking or savings account

PNC has made changes that doesn't allow reputable investment services such as XXXX to be linked by the account owners. The XXXX service is completely secure and allows its customers additional ways to easily save for their future.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns regarding Zelles dispute resolution process, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that underscores critical deficiencies within the platform.

Despite being a frequent user of Zelle, I have encountered multiple discrepancies which I promptly reported. However, neither my financial institution nor Zelle conducted an adequate investigation into my claims. Instead, I was informed that recovering lost funds and tracking these transactions was not feasible.

The findings highlighted by the CFPB reveal systemic issues, including Zelles failure to safeguard consumers and its allowance of repeat offenders to exploit the platform. This lack of accountability and transparency exposes users to heightened risks of fraud and scams, raising serious concerns about consumer protection and trust in the system. 

I urge Zelle to address these shortcomings and take immediate steps to enhance consumer safety and ensure a more robust dispute resolution process. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX in XXXX GA, I made a purchase at a XXXX gas station. However, the cost of the item was XXXX and the amount deducted from my Netspend card was XXXX. Additionally, the charge showed at pending which did not show as the merchant having collected the amount. Thus the money wasn't showing on the merchant 's end, thus I could not get the item purchased. But {$1.00} was deducted from my card. I called NetSpend customer service and they told me that a purchased was made for {$1.00} but the cashier told the Netspend representative that there was no purchase showing on their end, as if I never made the purchase. I also confirmed that. The Netspend representative told me that I would not get the money until it is either collected by the merchant or refunded to my card. I thought this was atrocious for in the past, when I usually make a purchase, the money goes to the merchant immediately instead of the transaction pending. This means the customer is without their money for the purchase and also without the item purchased. The workings of the way this card works is close to stealing in my opinion because the Netspend bank takes the money from you but never deliver it to the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency refused to report mortgage with XXXX. XXXX is reporting to all three credit bureaus.
Product: Vehicle loan or lease

Company : Kia Finance ( KF ) I was leasing Kia K5, which got into an accident. 
In XXXX, XXXXnsurance decided to total car and asked if they want the check to sent to me or to KF directly.

I contacted KF customer care and got a buyout quote for : {$24000.00} KF said if the insurance pays them directly then the amount would be {$28000.00} and told me that I'll be returned the overpaid difference amount ( {$28000.00} - {$24000.00} ) After confirming this, I asked the insurance to pay KF directly. 

I contacted KF again during XXXX week of XXXX, I was told they received the payment from insurance on XX/XX/XXXX and they confirmed they will process the refund check soon. 

I contacted Kia again on XX/XX/XXXX to check the status of the refund. I was told that they have to wait 30 days before they can process the refund. So the check would be sent out after XX/XX/XXXX. They even told me the amount that would be refunded which is {$4300.00} After waiting for a week after XX/XX/XXXX I called KF on XX/XX/XXXX to check the status of the refund they said nothing will be refunded as per the contract. 
So after confirming of a refund for 3 times, they told me in the end that I wont get anything. 

I had made payments of close to 20 months on this vehicle. 
If they had told me before that I wont get any refund from the insurance payoff then I could have asked the insurance to pay me directly and buyout the vehicle for {$24000.00}. 
and use the extra cash to cover the payments done or use it towards buying another vehicle. 

I lost out close to {$4300.00} because of the misinformation provided by KF. This seems like planned way to cheat the customer and get more money from Insurance. 

I would like to seek some help regarding this and recover the amount from KF.

Please let me know if you need more information. 
I'm sure all the customer care call were recorded and the information can be verified if we get those recordings Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX XXXX XXXX XXXX and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit card or prepaid card

I redeemed my EARNED rewards with Comenity Bank on XX/XX/2022 and XX/XX/2022 with the direction to direct deposit to my bank account. I received XXXX separate e-mail confirmations regarding the transaction and NEVER received the deposits from Comenity Bank. I have called - spoken to half a dozen people - service account Managers, customer service representatives, senior account specialists - you name it. I have written e-mails and letters through the mail to resolve this and get my money. They have told me they have filed a DISPUTE. IT'S *NOT* A DISPUTE - IT'S *MY* MONEY!!! They said it could take up to XXXX days to resolve!! All they have to do is look in their records and see that it was not completed and initiate it. THIS IS OUTRAGEOUS. Please see attachments for the email confirmations. this has been going on for MONTHS now. No one will help me and resolve it immediately- they say I have to wait until the " dispute '' is resolved. They can certainly take my money or charge something within seconds on my account, but they can not rectify my EARNED rewards. 
XXXX. XX/XX/2022 - rewards redeemed : {$660.00} XXXX. XX/XX/2022 - rewards redeemed : {$130.00} Comenity Bank has STOLEN my money, and refuses to look into this in a timely manner and see that they did not fulfill their contractual obligation. 

If for some reason, the attachments I attached do not download correctly, I have them - I have them in XXXX format and hard copies. I have all proof of transactions I made and that Comenity Bank did not fulfill.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX last reported XX/XX/XXXX balance {$12000.00} account closed - XXXX XXXX - charged off as bad debt profit and loss - canceled by credit grantor JPMCB card services balance {$8900.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX. 
JPMCB Card services- {$5500.00} account closed XX/XX/XXXX, XXXX. 
JPMCB closed XX/XX/XXXX - {$3600.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX.
Product: Credit card or prepaid card

- I have received a letter from Bank of America ( BoA ) on XX/XX/2021 stating that they are closing my credit card account due to Unusual Authorize Users. 

- I did receive a miss call from BoA on XX/XX/2021 but there was no voice message left behind in which I can not call back. I was not sure the intention of this call, but I dont think it was to prevent BofA from closing this account, if so they would of try to call me or reach me another time. 

- I called the Risk Department on XX/XX/2021 after receiving the letter for clarification. They said that this account is close, and it will remain close. The representative ( XXXX ) and later I spoke with the supervisor ( XXXX ), both firmly said its closed due to unusual activity. XXXX stated, A lesson learned, you can open another account but this one remains close even I told them I have no warning from BofA by adding Authorize User into my account is inappropriate which leads to closing an account. 

- I have mentioned to XXXX and XXXX that I have asked the BofA representative multiple times in the past that " is it safe for me to add Authorize User? '' The representative said that it is safe if ONE UA is being added at a time in which I followed strictly ( those conversations were recorded by BoA ). I will not be doing so if I know BofA will close my card. I have over 13 years with BoA under this account and with {$85000.00} credit line on top of Preferred Reward Member, I do not want to lose that. And mainly I do not want my credit score to drop significantly because of utilization and years of credit experience. 

- There is nowhere in terms and conditions stating the limit in AU per month or year, there is no indication what is right and wrong with adding UA, there is no restriction stating adding one AU and removing other is inappropriate, there is no warning from BofA at least saying this is not right and will close this card if persist, etc. Per XXXX, there is a group of people to discuss if its usual vs unusual activities in which I think its very subjective, for me its usual but for them it is not in which I can not know. 

- After shutting down my account, I had to find out that my card was closed from another company in which I set autopayment on under this card, I almost had to deal with late payment because BoA did not notify me that my card is not active. 

- In addition from not communicating to me before closing my account, BoA did not refund my reward cash bonus in my credit card account. They said the account is close and they are not able to return the reward I have earned.
Product: Money transfer, virtual currency, or money service

I was asked by Coinbase to send a SEPA transfer to their bank in XXXX. I sent XXXX on XXXX/XXXX/XXXX and within a few days I received an automated email saying that they can not accept the money in GBP as it must be in euros. They email then said the money would be returned to my bank within 1-2 business days. It has now been 33 days and Coinbase have only replied once on the XXXX/XXXX/XXXX stating that they were working with a 'specialist on my case '. They say this despite the email specifically saying the money would be returned to my account within 1-2 days and that there were no problems they encountered for them to require a 'specialist '. Upon further research, it seems an absurd amount of similar situations like mine have been raised on online forums with the same generic response of 'we are working with a specialist on your case ' used each time. It seems apparent that this line is used in an attempt to stop the customer from contacting them.
Product: Credit card or prepaid card

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 52 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 52 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
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 & the following 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 XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The account in question is being reported inaccurate by all three credit bureaus and I have been disputing this for a while. This account is paid in full but why is it reporting as paid and written off - showing several different statuses that are confusing and misleading. This is not a charge-off as I paid the creditor directly from my account and the money was received by them. These bureaus should not be allowed to keep incorrect information that is outdated on my report as it is not fair and unjust. 

This account was a credit builder savings account where it was my money that was actually used as a loan and that I can cancel at any time. When I did, I received a the funds into my account. 

The credit bureaus clearly do not know how this process works and I believe that an my dispute was not looked at by a person but by AI. This is unfair and a financial assault.
Product: Credit reporting or other personal consumer reports

There are a total of 5 hard inquiries on my credit report that I did not initiate or give permission to run on my credit report. My father and I have the same name as he is a XXXX and I am a XXXX My father informed me that while he was in the process of getting a new vehicle, they somehow ran my name and social security number instead of his. How this happened I have no idea. All of these inquiries happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have lived in XXXX XXXX for the last 5 years. I am asking for these hard inquiries to be removed from my report as my credit was ran without my consent or knowledge. These are the 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
Product: Credit card or prepaid card

On XX/XX/2021 I was informed that a credit was opened in my name the listing read XXXX XXXX on my credit report, I contacted the company and was informed it was a credit card issued in my name for {$6000.00}. I informed the company my identity was stolen and that I had no knowledge of the credit acquired in this store at all nor did anyone have access to get said credit in my name. It is now under investigation and I hope it can be resolved as I have now had to place a fraud report on my credit report.
Product: Credit reporting or other personal consumer reports

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XXXX  ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up XXXX things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX  XXXX has violateXXXX XXXX XXXX XXXX XXXX XXXX  of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to Experian Credit and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.