23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contact Transunion several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XXXX XXXX, XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. Transunion stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XXXX XXXX, XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XXXX XXXX, XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about four inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent XXXX certified letters with return receipts to Transunion requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting in XXXX XXXX and again XXXX XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking them to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Transunion is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they have failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.
Product: Money transfer, virtual currency, or money service

An app named XXXX was created through my bank ( Bank of American ) to allow me to send funds from my account directly to others, there was no warnings to let me know that once you send money through this app you lose your money if it goes to the wrong person. Basically, there no warning to let me know that once you send your money you don't get it back if you send it to the wrong person. They were in such a hurry to get this app up and running due to the bank losing money to other apps like cash App etc. that they neglected warning consumer about the possibilities of errors or warnings associated with using this app through your bank. l was quick to use this app because I thought the app was properly and thoroughly set up and managed by my ban ( Bank of America ). This was not the case and I feel my rights were violated and I was misinformed. I do see now the wording has changed but it was years later
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  These accounts listed have 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 XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX /XXXX/2016. I checked my credit report, which I acquired from transinon. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Money transfer, virtual currency, or money service

Zelle was utilized to buy concert tickets, however, the concert tickets were never provided to me. I lost XXXX dollars through a ticket fraud and never got to attend the concert. 
XX/XX/XXXX I contacted discover about the fraud and the money sent. I was told I would get no help because they are not responsible for Zelle. I discussed that it was done through their app and the credit card is supposed to protect me, the buyer, from fraud. They stated they dont own Zelle , it is a separate service offered on their app, therefore they owe me nothing despite using their app to send the money & I have my credit and debit card through discover. 
When I took the claim to Zelle, they told me the opposite. I needed to take it up with my financial institution. Zelle refused to investigate further as I was told it was impossible to get my money back once I had sent it. This situation is unacceptable as a consumer and has given me anxiety towards any and all large purchases as I no longer have trust that I am protected consumer by my bank nor Zelle.
Product: Mortgage

XX/XX/XXXX- Applied for the XXXX XXXX, XXXX forbearance when I lost my job. 
XXXX XXXX - Employed, called XXXX to stop forbearance plan. 
XX/XX/XXXX - Forbearance paperwork processed for XXXX year of mortgage payments, XXXX XXXX XXXX 
XX/XX/XXXX - XXXX making mortgage payments. 
XX/XX/XXXX- Told an investor buyout was occurring with my loan, nothing could be done per XXXX XXXX. 
XX/XX/XXXX - Called XXXX spoke with XXXX, she submitted request to stop forbearance plan. 
XX/XX/XXXX- receive letter from XXXX in receipt of my request to stop forbearance plan. 
XX/XX/XXXX- Begin working with a lender to sell house, was told the loan was modified and a second lien of {$150000.00} will be due. This partial claim far exceeds the XXXX year of payments discussed and agreed to with XXXX representatives ( approx $ XXXX ). 
XX/XX/XXXX - Called the XXXX XXXXXXXX XXXX XXXX, they see the second XXXX and agree the math does not make sense. Direct me to call XXXX to request a payment ledger and full audit of account. 
XX/XX/XXXX- XXXX XXXX for a payment ledger and submitted a fax to request audit. 
XX/XX/XXXX- Receive the ledger, XXXX large sums are swept in XX/XX/XXXX - XXXX  months after my call to XXXX to request the forbearance removed from my account. 
XX/XX/XXXX - Contacted the XXXX, they said they agree the math is wrong but XXXX decides the math, provides that number to the XXXX  and the XXXX paid the amount. They directed me to file a complaint with the CFPB- the amount for the partial claim far exceed the approximate {$46000.00} which would have been XXXX  months of payments. XXXX has yet to explain why there is a partial claim for {$150000.00} when the paperwork clearly states no late fees or penalties will be added. 
XX/XX/XXXX- receive a letter that XXXX has sold my loan to XXXX XXXX starting XXXX.
Product: Student loan

This is the second complaint about Navient from me. 
Why was the balance of the loan that has been transferred from the previous owners of it so high? Why is the interest still on the full amount of the loan that was taken out in XXXX? that was {$13000.00}. 
I paid over {$8800.00} in XXXX the {$2300.00} in XXXX and {$1700.00} in XXXX. 
not counting what I paid from XXXX to XXXX.it has changed hands four times. 
AND this is my sons loan.. Not mine..
Product: Debt collection

there is someone out there that is sending me these bills and now they went to collections i never had before at all these XXXX  and XXXX  accounts but there in my name with my personal info on it
Product: Credit reporting or other personal consumer reports

US Bank has an unethical and unfair method of reporting my account balance to the credit bureaus. I have only had this credit card for 2 months but for the 2 months they have given an inaccurate balance to the credit bureaus, For the last 2 months I have fully paid paid the card by the due date ( XXXX ) and had a XXXX statement balance. They are reporting my current balance on the XXXX of the next month of every month instead of my XXXX statement balance. This seems very unethical and unfair and would have no purpose except to hurt my credit score, The have done this for 2 months straight and I want their practice to stop,
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$550.00}, XXXX XXXX  XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, Portfolio Recovery A XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment more than required in my 2 credit cards because I have to travel over seas for long business trip they have send the money back by cheques that I never received and Bank of America has got these cheques back I did not know any thing about these cheques more over they got these cheques back witch are more than enough to cover any annual fees but the charged me for renewal fee and refused to deduct the renewal fees from my money they already have it more over the add penalty for not paying the renewal fee although it cover that renewal and more!! 
I have called them while I was in XXXX and spoke with XXXX XXXX all what she wanted to find a way to send the money again to any address instead of use it to cover renewal fees. They reported me and screwed my credit score which is very important to me Also they refused to transfer the money to my account in other bank!!!!
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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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 rises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 I applied for a online loan and this company that told me to purchase gift cards and I would have the loan in my account the next day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  two  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
Product: Debt collection

About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY
Product: Credit reporting or other personal consumer reports

i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the account XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages to my report. It's a defamation to my character.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked deleted within 4 days : ACCOUNTS : XXXX 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 already deleted the following accounts. Please see attachments for proof of deletions, proof of identification, documentation, and victim letter.
Product: Credit reporting or other personal consumer reports

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX  ) ACCOUNT ( XXXX ), XXXXXXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights
Product: Checking or savings account

A money transfer was made with Ria money transfer on XXXX XXXX and was canceled on XX/XX/2024. Ria Money Transfer claims they returned back my money in my account on XX/XX/XXXX, which they never did at at now. Ria Money Transfer requested for my bank statement which I provided, but to no avail as at today. The amount sent on XX/XX/XXXX was {$500.00} to XXXX from XXXX using my debit card. Im so sorry my name is XXXX XXXX. Hopefully this issue can be resolved with your help. Hoping to hear from you soon. Thank you.
Product: Debt collection

On XX/XX/XXXX Chase Bank contacted me excessively. 
They called XXXX, XXXX and again at XXXX. This is becoming an everyday day thing and it is way too much for me. They havent sent me anything to resolve the issue just keep calling about the balance. The balance is all their fees.
Product: Credit reporting or other personal consumer reports

XXXX is violating XXXX XXXX XXXX. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute incorrect name and address on my credit report with XXXX They will not let me dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Checking or savings account

I am going through identity theft I believe it has been going on for over XXXX years now I have been trying to address Chime, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all of these platforms have been being used to transfer money in and out of my accounts. Someone has taken over my identity has been using my Social Security number has taken over my XXXX accounts, XXXX accounts, XXXX accounts, my phone accounts by XXXX, XXXX and XXXX and XXXXXXXX XXXX XXXX XXXX  I was involved in the XXXX XXXX breach, the XXXX XXXX breach and the XXXX XXXX breach. I have also experienced tax fraud and unemployment fraud. I need a lawyer I need help these companies are not do anything to help me. I dont know if my calls are being redirected or what please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with Equifax. XXXX and XXXX and all of the accounts came back as verified and updated. 

Here are the account i file for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NJ XXXX DOB XX/XX/XXXX SS XXXX I requested kindly that XXXX  provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX****.I demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.