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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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. 

I looked at my Transunion credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The company used my credit card to finance several loans, after receiving a cash deposit made by me. After a few months of being in possession of my new credit card the company began to harass and threaten my place of employment due to an unsuccessful/incomplete application. The error was caused by the negligence of the employees representing the company, yet they blamed me as well as failed to communicate the issues with me in a timely and respectable manner. The company is trying to assume the position and steal my identity. The company has willfully ignored my demands for settlements, refused to surrender my property as agreed. They have refused to return the full amount of the cash deposit.
Product: Credit reporting

In the past year or so I have received hard inquiries on my credit report for attempts to open accounts via this bank. Various sub companies under this back ( lowes, and american eagle ) have had repetitive attempts. I have placed the proper freezes on my credit, however attempts to open accounts continue. I do not feel that this bank makes any effort whatsoever to help rectify identify theft incidents regarding their institution. 


XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
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 lawsuit highlight 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 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 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 customer safety.
Product: Debt collection

On XX/XX/2020, I moved out of my apartment at XXXX XXXX, owned by XXXXXXXX XXXX XXXX. They alleged that I had caused excessive damage to the walls and carpet and that I should owe {$500.00}. They failed to provide notice of my ability to be present during the inspection and when that inspection would be able to be scheduled as outline in TN Code 66-28-301. I simply received an email with pictures allegedly taken of my apartment after inquiring about the debt. The lady I emailed said she had no pictures of the carpet so she would remove the {$200.00} posted for that and I would only owe {$300.00} for paint. First, the pictures provided appear to be of a dark coloring on the wall that could be black mold they are trying to pass onto me. Secondly, the alleged damage is a superficial discoloration of the walls. Even if this is not black mold, this is certainly not damage resulting from my neglect or abuse. The email claims for this damage to be caused by " bed head '' is from " oils off your head, sheets hitting the walls, wet hair all kinds of thing. '' The first picture shows an area right next to the floor of the unit, nowhere near where my bed was positioned in my room, so oils from my head, sheets, and wet hair couldn't have been a possibility. 

I tried explaining this to the staff and in XX/XX/2020, but they were unrelenting and have pursued a collections debt against me by BYL COLLECTION SERVICES for the fraudulent {$300.00} charge. 

I have attached the photos of the collections debt I have on my credit report, photos I received of the alleged unit claimed to be mine, and of other 's photos of black mold to show the comparison.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : account # XXXX, XXXX : account # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act ; 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.
Product: Debt collection

In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and PayPal stated that it was too late since the money was already taken out of my account. PayPal then drains my account and I had to end up closing my bank account connected to PayPal due to fraud activity. PayPal has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/2023 and told I need to respond my XX/XX/2023. I also can not login with my information on PayPal. I have changed my password and I am still unable to get into this account.
Product: Mortgage

i CAN NOT believe that I have to correct this problem yet again. I already informed HARRIS BANK in XXXX, that I had an agreement with a previous HARRIS BANK employee in XXXX that I was to put down a XXXX down payment and pay them XXXX a month for my debt. 

Instead, of paying my mortgage down, they are INCREASING it every month. They keep transferring the servicer, and now in XXXX they sold servicing to XXXX  and now I receive a statemetn that my equity is CHARGED OFF, even though I have been paying them the required amount of XXXX a month as I was negotiated this with previous representative. 

This is the SECOND TIME, I am going thru this. Furthermore, my balance should be reduced by all these XXXX payments and NOT increasing. This is not a negative amortazation loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, Experian, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account.

Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Product: Checking or savings account

My checking account ending in XXXX has not been closed. Although they have stated to me that it has. Additionally they have authorized a charge by my electric company even though I did not authorize the payment. The account was supposed to be closed due to fraud and id theft. Someone is authorized by phone a payment to that account. It was not me!!! XXXXXXXX XXXX  did this once before. One of US Banks executive team hold a seat on the board of XXXX. How is this happening. Why are they allowing charges on an account that should be closed. Who is calling XXXX to authorize payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an " update ''. Clearly they can not bring themselves to say " outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending " update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.
Product: Credit reporting

I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a police report, my XXXX from the time this address and collection of XXXX was reported on my file, and also a dispute letter on XX/XX/2018. Today XX/XX/2018 I give them a call to see the status of the investigation, I was told I would have to wait another 30 days for investigation. I really would like to buy a car but I can not because of this collection and address on my credit file that is fraudulent.
Product: Debt collection

XXXX stated that I owed them {$340.00} I never had progressive insurance. This was an account opened in reference to the identity theft report I created with the Bureau. 


Based on 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

XXXX sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen ). If this is just a advertisement, then this kind of the confusing commercial behavior need to be stop to bother customers.
Product: Credit reporting or other personal consumer reports

I applied for an apartment, paid the security deposit which was XXXX but I didn't get to move in, so they kept my deposit and also as im looking at my credit report they charged me XXXX dollars which is incorrect,
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX this year i will be graduating XXXX XXXX so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Product: Credit card or prepaid card

I have a XXXX account which is through XXXX XXXX. I have received 16 calls in foyr days from them. The number is XXXX. When I pick it upnobody is there. When I let it go to voicemail it is a message to contactthem right away. When I called them they said my account is up to date and there is no problem. When I call the XXXX number back they say the same thing. I have never been late on any payment. When icall and ask them to stop contacting me they sayghey dont know why ghey would be in the first place. I called four times and demanded they take action to stop these bothersome calls. Tjis time they said it could be someone else fraudulently using their number. That was when I had enough. 
Can you please help. This bank is the worst at customer care. 
Thank you, XXXX XXXX
Product: Credit card

During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX  and Bureaus and it is still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as co -- borrower on my son 's student loan. The current account holder is   XXXX   XXXX   XXXX   XXXX   . I contacted Experian when I was turned down by my bank because Experian still listed the debt on my credit report ( credit report attached ).
I called Experian to remove this item from my credit report after it had passed 7 years of reporting this debt. It is plainly stated on the attached credit report that the ( DOFD ) date of first delinquent was  XX/XX/XXXX . The item should have been removed by  XX/XX/XXXX . It still remains on the account stalling my bank activity. Experian Report #   XXXX   
Experian passed the inquiry on to  XXXX  who responded that the negative account should remain longer. They said that upon their investigation it appeared that the account on my credit report would remain for another 6-9 months. They suggested, but did not furnish any proof, that they had applied an overpayment ( {$10.00}. spread over 3 months in   XXXX   ) to increase the remove time. That was not my son 's instructions for any overpayment. It appears that Experian has " re-aged '' the account to my detriment.
Product: Money transfer, virtual currency, or money service

In XXXX I sent documentation to Cash App showing I was married. My ID is a XXXX ID from the state of XXXX. I sent a certified copy of my marriage license. As a veteran, which is on my ID, it is appalling to be treated this way. I sent the same documents today. Those XXXX pieces of ID were accepted at the bank and life insurance company. What is wrong with Cash App? I really believe they are doing this because I am a XXXX woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX told the Consumer Financial Protection Bureau the account is to old to validate and will be reported for removal from credit bureau reporting. However, that has not occurred and Equifax is not removing it from my report. I have disputed this twice. I sent them the companies response to the Consumer Financial Protection Bureau and it still hasn't been removed. XXXX did not even send me notification it was being sent to the credit bureau or a right to dispute letter.
Product: Credit reporting or other personal consumer reports

On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the 3 credit reporting agencies ( Transunion, XXXX, and XXXX )XXXX One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, Transunion states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Above hard inquiries were done without my consent or knowledge. These hard inquiries on my credit were not authorized by me. Fraudulent inquiries must be removed an reported back to the credit Bureaus for removal on my report immediately.