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. 

Account Name XXXX XXXX : Account Number : XXXX : Balance : - {$8200.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : - {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX : Balance : {$0.00} Account Name : ( XXXX XXXX Creditor ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Product: Credit reporting

I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.
Product: Mortgage

I have a home in California. It is a VA loan through Citimortgage. I feel like I have been given mis-information on several occassions. My home is now in jeopardy of foreclosure. I have asked for assistance in getting my loan modified. I realize there was recently a lawsuit involving Citimortgage, and I want to know if I will be included in the class action. " Citi 's subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. '' I was sent information to complete in order to modify my home ... each time a modification was given ..my monthly payments were never lowered ... .recently I was sent a hardship package that I completed just to be told it was not received when I said i faxed it as well as sent it to the citi doc email- i was told it was not legible. I then received a letter stating i had till XX/XX/XXXX to return information ... .yet i just got an email from XXXX XXXX stating hurry up and return docs or my case will be closed without review. I am currently XXXX to a potential XXXX in XXXX and now my focus is on trying to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXXThe bank created an early deposit program where money is available in your account up to two days prior to your initial payday. I had money deposited into my account and I began to pay bills. I noticed that on the next day, my account was negative XXXX. I called to see what was happening and was told well your statement balance at the end of the day remains the same even though you have access to the money. I shared with the representative that the statement disclosure she shared was not on their website and that I took screenshots of what it says. I also shared it is misleading to customers and wanted my money back to make my account not be negative. I was told they could not do that and referred me to a supervisor that did not help. The supervisor then told me my account at XXXX  on XX/XX/XXXX had a balance of XXXX and when the first bill posted on the XX/XX/XXXX, my account was negative. The supervisor then stated that my deposit posted on XX/XX/XXXX. I shared that isnt possible if my account reflects I have funds and were making purchases from my XXXX account that pay out immediately. The supervisor continued to say that even though I have access to those funds, those funds arent really in my account. I asked for the money back or to make my account current and the supervisor said she was unable to do that and would make a note to update the language on the website. 

XXXX My account is now negative XXXX as bills are posting. The deposit the representative said posted on XX/XX/XXXX still reflects as pending. There are still no updates on this process and I informed them I will be leaving the bank after all my bills clear and take my business elsewhere. You can not think you are helping customers and not be honest about what you are advertising. It is misleading.
Product: Credit reporting

I CHECKED MY CREDIT REPORT YESTERDAY AND FOUND A XXXX CREDIT CARD ON MY ACCOUNT THAT HAD BEEN OPENED IN A DIFFERENT STATE, THATS NOT MINE OR MY ADDRESS. IT IS IN DELINQUENT STATUS AND HAS DROPPED MY CREDIT SCORE CONSIDERABLY. I HAVE NEVER HAD OR SIGNED UP FOR A XXXX CARD.
Product: Credit card or prepaid card

My issue is with US BANK. I took out a balance transfer for {$2400.00} that isn't due in until XX/XX/2021. In order to avoid paying interest, I always pay off my statement balance purchases. And yet every time I look to my statement, I've been seeing interest charges. I've made several calls to US Bank and every time I get a different story. For the first 10+ customer service calls, the story was that it was a " mistake '' and sometimes interest fees were reversed. Then, a customer service rep told me I needed to pay my purchases, plus the " minimum due '' - add those together and pay those. I did that, and then interest charged popped up again with a charge of {$30.00}. Now I called them and finally, after what must have been over 10 calls, that because I have the balance transfer, they now charge interest in my purchases. I don't know if it's ethical, but it feels like the rules of the credit card changed once I got the balance transfer.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time. I am confident about this. I don't understand why this company reports me as late some months. According to USC 1666b, any billing errors should be corrected and marked as paid on time.
Product: Checking or savings account

I received an offer to open an Ally checking account since I have an auto loan through them. I opened an account and kept receiving emails to fund the account and set up direct deposit otherwise they would close my account. 

I set up direct deposit and transferred over {$4000.00} in funds ( all of my funds ) to my Ally checking account since I wanted to use it as my primary account. Only then did ally tell me that it would take up to 10 days before I received a debit card or access to my virtual card. 

I do not have any other access to funds in any other account. They instructed me to try to using XXXX to transfer money but then they sent me an email that it will take 4 days to receive the XXXX transfer. 

I have no food or gas and Ally will not give me access to my funds to that I can eat or get to work. They are holding my funds hostage through their harmful practice. It is possible to release a virtual card to customer while the physical ones ship and Ally is refusing to do so for customer after pressuring them to move their funds to an ally account. 

I now have no chose but to go 4 days without eating even though I have money in my bank account. This is inhumane and ridiculous. 

I would have never transferred all of my funds to Ally had they made it clear that they would hold my funds hostage.
Product: Money transfer, virtual currency, or money service

I am following a complaint against cash app blocked, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 XXXX account number XXXX XXXX XXXXXXXX account number XXXX account number and XXXX XXXX XXXX, account number XXXX XXXX XXXX  account number 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I request to OPT OUT of my information being shared. On XX/XX/XXXX, I received a letter from LexisNexis confirming the approve of my information being suppressed. It saded me to know you are still sharing my information and invoking my to privacy and reporting inaccurate information about me. As a consumer, I have a right to privacy and to OPT OUT OF SHARING MY INFORMATION TO 3RD PARTY VENDOR. 

ON A FUTHER REVIEW OF MY INFORMATION, THE INFORMATION ITS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.
Product: Credit reporting 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. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a XXXX XXXX side to side unit including half windshield, roof kit and winch for {$10000.00}. I used my credit card for a {$2000.00} down payment as seen on the invoice. However, the merchant XXXX XXXX, XXXX overcharged {$990.00} as they added the total cash price to {$12000.00} in error when it adds up to {$11000.00}. The agreement was to pay {$10000.00} for the unit with accessories listed above plus registration fees and sales taxes ( as listed on the invoice ) as follows : {$10000.00} + XXXX+XXXX+XXXX+XXXX ( sales tax ) equals {$11000.00}. I explained this to Chase representative XXXX at XXXX X XXXX and also supervisor XXXX XXXX. in Texas but they did not want to acknowledge what occurred but rather sided with the merchant who lied and claimed I purchased accessories separately when as the invoice shows the credit card was used as a downpayment and the accessories were included in the purchase price of {$10000.00}. The credit card receipt shows {$2000.00} with no mention of accessories proving that it was used as a downpayment.
Product: Mortgage

We purchased a home with an FHA loan in XX/XX/2022. After two months with the initial lender, our loan was transferred to Rushmore Loan Management. Rushmore mishandled our escrow by grossly underestimating our county tax bill. The company initially lowered our monthly payment and sent an escrow refund based on the erroneous information. They paid the tax bill in XX/XX/2022, then my loan was transferred to a new servicer, " XXXX XXXX ''. XXXX XXXX also mishandled my account by failing to pay my insurance on time. Because my home is in the state of Florida, my insurance agebt advised I would not be reinstated if the policy was canceled. I had to pay out of pocket to keep my insurance active. During this interaction, I learned my monthly payment will increase substantially due to the large deficit in the escrow account. We are first time homeowners and very concerned about the frequent changing of servicers and mishandling of escrow. Please investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inquiry on my credit report from XXXX XXXX on XX/XX/21 I have filed several request for it to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding zelles handling of disputes, particularly in light ofthe recent CFPB lawsuit highlighting the significant issues with the platform. Dispite using zelles numerous times and reporting discrepancies my financial institution failed to investigate my claims accurately. They informed me that recovering last funds was impossible and tracking the transactions was not feasible. The CFPB 's findings show that zelle neglected to protect consumers and has allowed repeat offenders to exploit the system leaving consumers exploitable and leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to verify accuracy of account : XXXX. TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed. 
A certified mail sent to TransUnion to challenging the validity of this account and requesting that TransUnion open an investigation, but TransUnion has violated my consumer rights by not sending a statement to let me know if they have opened an investigation into the matter. 
I have attached a picture of the receipt of the certified mail I sent to TransUnion concerning this matter.
Product: Debt collection

I am writing AGAIN to express my deep frustration and annoyance regarding the inaccurate reporting of an account on my credit file. It is disheartening that your bureau has not followed suit with its counterparts in promptly addressing and rectifying this matter. The account in question pertains to XXXX XXXX XXXX XXXX, with the account number XXXX and an open date of XXXX/XXXX/2014. Astonishingly, while XXXX and XXXX have acknowledged and rectified the inaccuracies related to this account, your bureau persists in reporting it erroneously. I want to emphasize that, as the victim of identity theft, it is perplexing why your bureau has not complied with the law in promptly addressing and rectifying the reporting errors. The law mandates accurate reporting, and it is both confusing and frustrating that your bureau seems to be an exception. XXXX and XXXX have already acknowledged the error in reporting this account and have taken corrective action. I am bewildered by the apparent lack of verification on your end, especially when other major credit bureaus have successfully addressed this issue. I am ANNOYED by the continued disregard for my rights as a consumer and the persistent failure to comply with reasonable requests for accurate reporting. This issue has caused me extreme frustration, and I insist on a swift resolution to rectify the inaccuracies related to the XXXX XXXX XXXX XXXX account on my credit report.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX XXXX ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be XXXX!!!!!