23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My financial institution and Zelle failed to investigate my claims in a purposeful and adequate timing. They told me that getting access to these funds was not going to go well. And tracking them will be unfeasible as well. The CFPBs findings indicate XXXX has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system. As a result this has left a lot of consumers vulnerable to scams and data leaks. I am concerned as a consistent consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Mortgage

Due to technical issues related with the electronic system of my mortgage company select portfolio servicing, the payments corresponding to the months of XX/XX/XXXX and XX/XX/XXXX were not processed or did not go through and it was when I called to make the payment corresponding to the month of XX/XX/XXXX when I learned about this inconvenient and I was able to mail the payments for those months. Due to these technical issues, payments on my loan number XXXX corresponding to the months of XX/XX/XXXX and XX/XX/XXXX are reflected on my credit report as 60 days late and is affecting my ability to buy a single family home to move with my family
Product: Debt collection

Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me
Product: Credit reporting or other personal consumer reports

Please disregard earlier dispute left out key information This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting

XXXX XXXX XXXX has reported a collection, original creditor XXXX XXXX XXXX, on my Experian credit report. They list the DOFD as XX/XX/XXXX. I moved out of that apartment complex on XX/XX/XXXX. When I asked them to provide documentation on this account, they supplied me with the itemized bill provided by the apartment complex which confirmed the date I moved out. If they are going to report this collection, I want all information to be accurate. They are knowingly, reaging this debt. Previous disputes with the bureaus have come back verified which leads me to believe not all paperwork have been analysed correctly.
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : 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 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: Debt collection

This company has refused to remove or give me a letter after they told me they would if I paid and it is still showing on my credit I also have the payment on my bank statement. I also spoke to the manager XXXX that told me to call back he was the only helpful one but no one would transfer me to him
Product: Credit card

Please see complaint XXXX. This was closed without a satisfactory resolution. It was closed simply upon USAA 's response not a resolution. XX/XX/XXXX2024 I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use paper cash advance checks deposit via the mobile app to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a XXXX to call me and none did. I called back on XX/XX/XXXX, spoke to XXXX different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Equifax. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I would like for them to remove these inquires listed below from my account : XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer. 
( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 
( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

12 CFR 1024.35 ( i ) : In the 60-day period after receiving an error notice, a servicer may not furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the error notice.

The consumer provided a Notice of Error/ Qualified Written Request ( QWR ) dtd XX/XX/XXXX and TMS receipted the same Notice of Error on XX/XX/XXXX. The date TMS receipted the Notice of Error/ QWR starts the clock for 60-day period. Yet, TMS submitted derogatory information 30 day late payment to the Credit Bureaus on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Product: Debt collection

There is a collection account showing on my credit file for a Timeshare. The account is very old. I remember this thing because the Timeshare people lied and when I tried to rescind within the 3 days they told me it was too late. I have been disputing to try and get removed and they sent a payment history that shows excessive charges and proves it's old.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I purchased a puppy from the XXXX XXXX XXXX in XXXX XXXX, FL. I qualified for a loan through their financial services, XXXX XXXX. They sent me a contract that needed to be signed immediately right there in the store. When I received the email I could not enlarge it on my phone. The entire contract was in fine print. I told the salesperson that I could not read the contract. I do not sign contracts I can not read. The salesperson told me she did not have a copy. On the XXXX website it states that they have easy financing with great rates. on their website site. The salesperson told me someone else wanted to purchase the dog I was under the incorrect assumption that I would be paying average credit card rates for the dog. I received an email from a collection agency I was confused. I opened the email to see that I was Paying more than 100 % financing for the dog and the dog did not belong to me he was a lease. I called the Monterey Financial Services to tell me I that I believe I have been defrauded by them and XXXX XXXX. That had I known the terms I would have put the dog on the credit card. I asked if I could pay the value of the dog and they replied that I have to pay at least 75 % of the lease term. XXXX XXXX and Monterey are working together to defraud the public. 
XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LEXISNEXIS, is violating my consumer rights by : 5 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. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 ( 4 ) : Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 LexisNexis has violated my right of my privacy and has given false information about where they obtain their information from. They are furnishing my information with permission nor any written instructions, they also have never provided any disclosures or to opt-out of sharing my information with third-parties. The bankruptcy courts DO NOT REPORT bankruptcy to any credit reporting agencies or secondary bureaus. I have provided a letter from the courts stating that. 


Also I have a letter from XXXX that my name is state differently than the name LexisNexis has on file, again making the reporting inaccurate and a violation of my consumer rights and my right to privacy.
Product: Debt collection

This is money owed. {$1100.00} to a collections agency called radius global solutions. It was originally for a cell phone and a monthly service plan through XXXX XXXX months into the contract. They did not honor what they quoted me. I would be paying monthly so I told them I was not going to continue service and I wouldn't be returning their phone. They would not let me return the phone because I had it in my possession longer than XXXX days. That's not right. It's over with and done now but I should not have to pay that money when I tried to return the phone multiple times
Product: Credit card

I was charged {$100.00} on XX/XX/2023 without my knowledge or permission from XXXX. When I called XXXX, they said they had no knowledge of that charge and that they did not receive any payment from me for that amount. I challenged the charge with my Barclay 's Bank Banana Republic Mastercard, and received a temporary credit while they investigated. 

They refused on multiple occasions to call XXXX, and said I would have to call them, receive a notice of some kind, and then fax it to them. They then sent me to another department, twice, and told me I could call XXXX with that department. Well the other department told me I needed to work exclusively with the fraud department, after two 30+ minute phone calls on two separate occasions. Barclay 's should have all of these phone calls recorded. 

I was recharged that {$100.00} on XX/XX/, with a letter from the credit card company informing me that, due to my continued history with the vendor, I was responsible for the amount. I was charged another {$86.00} from XXXX on XX/XX/, but like before, I did not approve of this purchase and I am the only person with access to my card. They had to replace my card for a second time, and it remains locked while I try to figure out how my card information was compromised on XXXX 's website. I was told by an agent at Barclay 's that they would not submit my request unless I provided proof from XXXX that I did not make the purchases. 
I faxed the appropriate paperwork, petition, and purchase receipts to Barclay 's. I received a letter yesterday, XX/XX/2023, that the investigation team found that I am not responsible for the {$86.00} purchase. I called today, XX/XX/2023, and the fraud investigation department told me that they just re-opened my request for the {$100.00} investigation on XX/XX/2023. They will not send me any confirmation information, or otherwise inform me of the investigation process until they approve or deny it. They keep denying this claim, despite the evidence and continued confirmation from XXXX that I did not make these purchases. 

I have been calling and having meaningless conversations with this department for over two months ; they will not refund me, process the proof I have submitted, or even submit my petition to the appropriate parties from what I have been told. I am convinced they are denying this claim continuously, and I have acted in good faith for over two months to try and fix this issue with the credit card company. 

When I asked who to send an advocate to speak to, the latest agent told me she didn't know what an advocate was, but that I would need to have my lawyer call them directly. I would appreciate this matter be settled, as I have spent many weeks calling both Barclay 's Mastercard and XXXX, with the former offering no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
Product: Credit card or prepaid card

I applied the XXXX credit card with USBank with the XXXX miles promotion offer. The USBank not give me the promotion mileage after I spend up to the limit of required. I called the USBank customer service several time and any time they tell me different story to avoid the promotion mileage. I didnt agree with the service and cancel my credit card. Since I only used this card less then 3 months and requested the USBank to reimburse the annual fee of {$95.00}. The USBank refused my request and not reimburse the {$95.00} of the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I