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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We have a monthly payment that doesn't quite get to them the exact moment they want their money due to pay weeks not lining up. Yet they get their money every month. We had an issue with them calling my wife atheist XXXX times a week, now that she told them it's harassment and it's illegal to call this frequently they started with me. Yesterday alone I received XXXX phone calls. I can email screenshot of all these phone calls. I'm being harassed. Westlake financial called me XXXX  times from different numbers on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Transunion, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Employment scam in early XX/XX/year>. The scammers had me set up an account where I performed XXXX XXXX that would generate income for them and me. My income was being stored in an account that grew as I performed the tasks. Then, I encountered a task where my account was brought into deficit and I needed to deposit my own money to bring it back up to positive and continue. The scammers instructed me to purchase bitcoin through Coinbase, then deliver that bitcoin to XXXX, where it could be converted to XXXX. From my XXXX  account, the XXXX was sent to the scammers accounts. This process repeated until I had sent them nearly $ XXXX worth.
Product: Credit reporting or other personal consumer reports

Id want to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). 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. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX XXXX  XXXX  ( XXXX  ) data, including financial aid history and loan information.

XXXX. My IRS tax transcripts, which 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.

This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and no one else. On XX/XX/2021 I submitted a dispute to Experian and I attached a copy of my Drivers License and copy of mail with my current address only for them to send me a letter stating I needed to send a copy of my ID and mail for them to proceed with my dispute. At this point I feel like my rights are being violated and that Im being taken advantage of.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling with the disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform! Despite using the app numerous times and reporting my discrepancies too my bank and Zelle has failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system! Leaving users vulnerable to scams
Product: Payday loan

D2 Management called my cell phone number and hung up so I called them back. CSR XXXX answered the phone and said " You owe for a cash advance and its for {$300.00}. '' I proceeded to tell her that I do n't owe it because I paid it off. She rudely responded with " I will put this on your credit and will let the company know you are refusing to pay it. '' Those were not my words. She hung up on me and I proceeded to call back. This time I got XXXX. She looked over my account and said I did not pay it off when in fact I did. I took out this loan in XXXX. In XXXX I paid off all of the advanced places I received a loan from. Making small payments while employed and unemployed. XXXX the let me know that XXXX was going to sue me UNTIL they saw the student loans on my credit report. She proceeded to argue stating that they will do a " hearing '' regarding my account. Its been 9 yrs and there has been no contact nor any letter. XXXX stated XXXX contacted me in XXXX and many phone calls and I hung up on them which is completely UNTRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExperiaXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Cards I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX inquiry which is new still showed up
Product: Money transfer, virtual currency, or money service

We had an accident occur at our home that destroyed it and our homeowners insurance is denying our claim. We have appealed it and also filed complaints with the oklahoma insurance commissioner, but are still being denied. We have paid our premiums faithfully and should receive the benefits that are included in the policy. I have included the verbiage from the complaints/appeals below. Please feel free to reach out with any questions at XXXX or XXXX. 

I am writing to appeal the bad faith denial on our homeowners claim XXXX. I have read the denial letter stating that this is considered a losses you dont cover and that in their opinion it is due to earth movement/shifting, etc. I strongly disagree! 
Help me understand how this would NOT be eligible for coverage under the collapse provision. USAAs wording states that The policy defines a collapse as a sudden falling or caving in or sudden braking apart of deformation such that the building or part of a building is in imminent peril of falling or caving in and is not fit for its intended use That is EXACTLY what has happened with our home. Furthermore, the collapse provision specifically says one of the covered clauses under the collapse provision is decay that is hidden from view, meaning damage that is unknown prior to collapse or that does not result from a failure to reasonable maintain the property. Again, this is EXACTLY what has happened with our property. This was a SUDDEN act. Our homes foundation, walls, floors, ceilings, windows, doors, etc. were ALL structurally sound until this occurred. 
The property now is non-repairable as is, uninhabitable and will likely be condemned. I dont see how this contract wording will be upheld if this goes to court as our circumstances clearly fall under this collapse provision. 
Denying our claim after being provided specific wording and reasons in which it SHOULD be covered is despicable and what gives insurance companies such a terrible reputation to begin with. I am deeply saddened that USAA, of all companies, is practicing such similar antics. I expected they would honor their contract for their customers. We have been loyal and longstanding customers for 15 years now. To be treated in such a way after paying our premiums and now being left with this unrepairable home that can no longer be lived in is complete financial ruin. And this was of NO FAULT of our own. We arrived at our home one day and it was in imminent peril of falling or caving in due to decay that was hidden from view and completely unknown to us as homeowners. According to our contracts wording, this should be overturned and covered immediately. 
We appreciate you taking the time to re-review our claim. This is clearly something that should be covered by the insurance we pay for. This is abuse and it is disgusting to have to go to such great lengths to simply be provided the coverage that we deserve and have paid for. Please call me directly at XXXX with any questions. I can also be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX  DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy. 
15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX 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

On XXXX received an email from Chime that says I have an account with them and explaining their services. I sent them an email to their customer service ( or lack of service ) the same day telling them I did not open an account or authorize anyone to open an account in my name. I asked them to contact me as to how they got my name to open an account. I would not provide my name or contact information as I suspected fraud and didn't want to provide any personal information on than the email address which received the email. Their customer service is supposed to be open 24/7 according to their website. To date I have not received a response. If you call their phone number, the only option you have is to email their customer service. You can not speak to a person. A few days later I received a Visa debit card from them which I had not requested. As I had not requested an account much less a debit card and have my credit monitored, I can only assume the company is engaging in fraud opening cards in people 's names without their consent similar to XXXX XXXX a few years ago. This company needs to be fully investigated if not shut down. This is as serious as the XXXX XXXX issue if not more so. With the amount of fraud going on in this world this is very dangerous sending debit cards in the mail without any request from the recipient. The company operates without regard to the safety or finances of those who have no interest in their products.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX XXXX Reported to XXXX that I had a late payment.
Product: Checking or savings account

I opened a new chase checking account with a promotion to get {$300.00} bonus. I did met requirement for a direct deposit. I had many direct deposit starting from XX/XX/29 That is classified correctly by chase system as direct deposit that why, I also not getting any monthly fees for maintenance. It is also clearly mentioned on chase monthly statement that I am getting {$520.00} direct depot in XXXX and for subsequent months and because of that no monthly fees was charged to me and that is mentioned clearly in statement. I am attaching a copy of statement showing that information. But Chase refused to give me {$300.00} bonus claiming that those were not direct deposit, even though chase statement itself clearly mentioned that I have direct deposit which waived my monthly fees. This is bait and switch by chase bank and completely breaking there term of account opening for bonus. I have wasted many hours on phone and following with chase on this issue. I would like chase to give me {$300.00} promotional credit account that I am eligible for and additional {$1000.00} for all the time I have spent on following up this issue plus mental stress it has caused to me. 


Thanks XXXX
Product: Debt collection

Dear Credence Resource Management LLC, I am writing in response to your recent correspondence dated XX/XX/year>, regarding the debt you claim I owe to XXXX XXXX XXXX Mobility, reference number XXXX. While I appreciate your acknowledgment of my dispute, I must express my dissatisfaction with the information provided and reiterate my request for proper validation of the debt. 

Your response indicated that the account stands for an XXXX XXXX XXXX postpaid wireless service and provided some details regarding the charges. However, it lacks sufficient documentation to establish the validity of the debt and your authority to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive clear and comprehensive evidence that substantiates the existence of the debt and your right to collect it in writing. 

To clarify, I am specifically requesting the following : 1 ) A copy of the original contract or agreement that verifies my obligation to pay this debt, including any terms and conditions that I agreed to.

2 ) A detailed breakdown of the charges, including the monthly service fees, late payment fees, and any other charges that have contributed to the total amount claimed.

3 ) Proof that the debt is within the statute of limitations fo
r collection in my state, as I believe this may be relevant to my dispute.

4 ) Documentation that confirms your authority to collect this debt on behalf of XXXX XXXX XXXX XXXX, including any assignment of debt documentation. 

As I previously mentioned, I do not acknowledge this debt, and I request that all collection activities cease until I receive the requested validation. Additionally, please note that any further attempts to collect on this debt without proper validation may be considered a violation of the FDCPA. 

I appreciate your attention to this matter and expect a prompt response within 30 days, as mandated by the FDCPA. Please send the requested information to my address listed above. 

Thank you for your cooperation. 

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

Experian Dispute XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Failure to Investigate My CFPB Complaint Regarding Bankruptcy Reporting Dear Experian, I am writing to formally address your repeated failure to investigate my complaint regarding the inaccurate reporting of my bankruptcy on my credit report. Despite submitting my concerns through the Consumer Financial Protection Bureau ( CFPB ), I have received the same response repeatedly : The company that reported the information has certified to Experian that the information is accurate. 

This response does not satisfy your obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into disputes. Additionally, I am aware that Experian was recently sued by the CFPB for failing to properly investigate consumer complaints. This reinforces my concern that your handling of my case has not been compliant with federal law. 

The information being reported is inaccurate, and I request a thorough investigation into this matter Please provide the following : XXXX. Documentation supporting the verification of the disputed information. 
XXXX. Evidence that Experian conducted a reasonable investigation as required under the FCRA. 
XXXX. An explanation of the steps taken to verify the accuracy of the information. 

If Experian can not verify the information, I demand its immediate removal from my credit report. Failure to address this issue will leave me no choice but to escalate this matter further, including filing additional complaints with the CFPB and potentially pursuing legal action. 

I trust that Experian will take this matter seriously and resolve it promptly. I expect to receive a response within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This will be filed in court as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a company requested my SSN for credit check. I refused and did not provide my SSN. The inquiry appeared on my credit report regardless and I disputed it with Equifax. I checked today the status of the investigation and it says completed however I was not notified of the result and the inquiry is still not removed Investigation reference is # XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX Account Number : XXXX {$1100.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$470.00} XXXX  Account Number : XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account XXXX XXXX XXXX {$4200.00} XXXXXXXXXXXX  Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number XXXX XXXX {$0.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX  XXXX XXXX  Account Number : XXXX {$970.00} XXXX XXXX XXXX  Account Number : XXXX {$4200.00} XXXX Account Number XXXX XXXX {$0.00} XXXX Account Number : XXXX {$1400.00} XXXX Account Number : XXXX {$1100.00} XXXX XXXX Account Number : XXXX {$970.00}
Product: Mortgage

As of XXXX XXXX Seterus, Inc. purchased my mortgage from XXXX. I have never missed a payment or even been late making a payment. XXXX, XXXX I received a statement from Seterus stating that a payment was not due in XXXX, XXXX. I called them and ask if they were sure this was correct. They assured me I would not get into trouble I could skip the month of XXXX. Great news I could buy XXXX for my entire family and pay my taxes. Last SaturdayXXXX XXXX, XXXX I receive a letter stating I am in default and owe {$610.00}. I called the company XXXX. This girl and I went round and round. She said I had n't made a payment for XXXX. Isaid I am looking at the statement-it cleared XXXX XXXX and that I had mailed a payment for XXXX on XXXX XXXX. They had not received it at that time. The girl said wait just a minute which turned into 30 minutes. She came back on the line and said that Seterus had applied someone else 's payment to my account in XXXX and so told me I did not have to pay, but they found the mistake and now I must pay it and she was going to let me speak to her supervisor because it was n't my fault. So XXXX XXXX, supervisor, got on the line. I was so angry. I understand mistakes happen, but I am XXXX years old, retired on Social Security and XXXX small pensions and have no extra money. I told XXXX XXXX this and he agreed that I could pay {$50.00} extra a month until it is caught up ( more when I do n't have to pay gas bill ). He said if anyone gave me trouble to talk to him. So yesterday I receive two statements from Seterus one due XXXX XXXX for {$1200.00} and one due XXXX XXXX for {$1800.00}, so they are tacking on penalties and interest. Can they do this to me? They have 3 locations Physical address in XXXX, OR, payment address in XXXX XXXX, and correspondence in XXXX, CT. Thank you for any assistance you can give. My name is XXXX XXXX and the loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous corr ections.