23daVinci/CFPB_Complaints huggingface dataset:
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 the privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX 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  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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..
Product: Money transfer, virtual currency, or money service

I have met XXXX XXXX on XXXX and later moved to XXXX to continue communication. XXXX XXXX indicated that she is a analysist for XXXX  in XXXX XXXX, introduced me to XXXX XXXX ( customer service rep ) and persuaded me to enter as partners in to a forex account at XXXX XXXX XXXX XXXX XXXX XXXX under XXXX  for foreign exchange account. in doing so a series of wire transfers were made, including service fees to the account from my bank Wells Fargo to fund the investments. 

XXXX {$5000.00} to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$15000.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Once the account started to make some profits, I wanted to withdraw some money. I was told to pay service charges and then XXXX XXXX XXXX. Additional wire transfer were made, including services fees. 

XXXX {$6500.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$4900.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Needless to say, I never received the amount of withdraw requested and soon after, I lost contact with XXXX XXXX and XXXX XXXX. I have been a victim of fraud. 

this incident have been reported to the XXXX XXXX Police, report number XXXX and other agencies.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting ongoing inaccuracies in my credit report. The continued presence of these inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. My repeated attempts to dispute these errors have been met with inadequate responses and no resolution. Despite these efforts, the inaccurate reporting persists. I have enclosed copies of my previous correspondence, dispute letters, and all supporting documentation for your review. I am now seeking for your intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate correction of my credit report. I request written confirmation once the inaccuracies have been addressed. Despite previous attempts to resolve these issues directly with the credit bureaus and creditors, the following inaccuracies persist, severely impacting my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX see things may be inaccurate. Start looking at the account name, opening date,
Product: Credit reporting, credit repair services, or other personal consumer reports

Fo r five con secutive years, I 've been unsuccessful in obtaining the free annual credit report from Equifax. For the other  XXXX  bureaus,  XXXX  and  XXXX , it 's been fine every year. But for some reason, I always fail Equifax 's screening questions. As a result, I 'm forced to use the inconvenient physical mail option to request their free credit report. When this first ha ppened five ye ars ago, I thought it was a coincidence. But now aft er five f ailed attempts, I 'm starting to wonder if it 's more than just a coincidence.
Product: Credit card

On XX/XX/2024, I booked a XXXX XXXX XXXX XXXX XXXX XXXX and made my first payment of {$500.00}. I discovered that XXXX was listed as " Do Not Travel '' country under US States Department on the same day ( less than 24 hours after payment ). I called Elan Financial Services to reverse charge the {$500.00} payment from my VISA credit card. The service Rep advised me to work with XXXX to get my refund. 
On XX/XX/2024, I requested cancellation of the XXXX trip for fear of our safety there and full refund of my first payment. XXXX and I had been exchanged emails many, many times and refused to refund my money. 
On XX/XX/2024, I received a letter from Elan Financial Services dated XX/XX/2024. It stated that they had issued a provisional credit of {$500.00} and requested me to complete a Dispute Form and provided any documents related to this charge. I did complete the Dispute Form and provided documents of my email correspondence with XXXX of their refusal of the full refund. I fax all these documents to their provided fax number. 
On XX/XX/2024, I fax additional documents of my email correspondence with XXXX of their continued refusal of my full refund to Elan Financial Services. 
On XX/XX/2024, XXXX cancelled my XXXX trip without any refund of my {$500.00} payment. I fax this email to Elan Financial Services. 
On XX/XX/2024, I received second letter from Elan Financial Services dated XX/XX/2024. It claimed that they did not receive a response to their request information and reversing the provisional credit of {$500.00}. I called the Card Member Service line and talked to a representative named XXXX. She ensured me that they had received my previous three faxes with all completed request information. She told me that she would forward these documents to the XXXX and re-issued the provisional credit of {$500.00}. 
On XXXX XXXX, I received my VISA credit card statement from Elan Financial Services. There was a charge of {$500.00} and the provisional credit of {$500.00} was not re-issued. I called Elan customer service line and escalated to a supervisor named XXXX. He told me that I could not contact their investigator directly ; the best he could do would be forwarding these documents again to the investigator and had them called me. I did not received any calls from Elan Financial Services since then. 
My Elan Financial Services XXXX XXXX XXXX XXXX Please help.
Product: Credit reporting or other personal consumer reports

I mailed a letter to the agency on XX/XX/year>. They responded with a letter stating they won't look into it because the letter didn't come from me, which isn't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the bureau to send me the creditor information they have received. I have also requested for a verification of method and have not received the information. Section 609 states I have a right to ask for information that was received.
Product: Debt collection

On XX/XX/2018 at XXXX we received a call from North Star Location ( XXXX ) stating that the call is intended for XXXX XXXX XXXX and to call back at XXXX. The message states " to reach an operator press XXXX now '' and once this is done the call ends. 

I called the number ( XXXX ) on XX/XX/2018 at XXXX and informed the operator that we have been receiving this call several times and that we need to get our number removed. I explained to the operator that this number is the main hub for our company and that there could be hunderds of numbers that lead over to this. He stated that the message is supposed to give a case number or offer to transfer over. I stated that it does offer to transfer but ends the call when it's selected. He stated if the number calls with all of the information to call back to get our number removed. 

This is impossible to do as the call number does not provide additional information nor can the operator find the name that is given by the calling machine.
Product: Credit reporting or other personal consumer reports

Affirm Inc. is reporting my account ( XXXX ) incorrectly on all reports as still a collection and having a balance due. This account was settled in full on XX/XX/2024 with the third party collection they hired to handle it, XXXX XXXX. I have called Affirm inc, emailed them, spoke to supervisors to no help at all explaining how it was settled in full and I have sent them the settled in full proof letter from XXXX XXXX, they keep ignoring it telling me i owe a balance and I must pay. I contacted XXXX XXXX about this and we did a three way call with a rep named XXXX from XXXX XXXX who explained to the Affirm rep that the account was settled in XXXX and the remaining balance is forgiven. The Affirm rep said they were sending it to their dispute team with the new info. The dispute team still ignored all this and said no, I owe the balance even with the settlement. I can not get this corrected and it is reporting on all reports that its still a collection for XXXX and XXXX and will until it gets corrected. I have the letters of proof if needed to support my claim, XXXX XXXX will also support my claim if you contact them.
Product: Credit card or prepaid card

On XX/XX/20, my XXXX year old son got on to my XXXX. He made 10 purchases of items in the XXXX XXXX without knowing what he was doing. It wasn't until late that night that I received purchase notifications saying that all those purchases had been made. I filed a complaint on XXXX and was denied a refund. I then went to my credit card issuer ( Apple Card / Goldman Sachs )  and stated that these purchases were unauthorized. 

On their terms, it states : " You will not be liable for any unauthorized transactions made on your Account. '' https : //www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf In that same agreement, they say that you will be responsible for transactions that occur for people that have access to your device. That is EXTREMELY overreaching. There was no warning when I gave him access to my device. 
Any other credit card company ( like XXXX  ) would have disallowed these transactions. I suspect because of their affiliation, their relationship has become more important than consumer protections. 

I compare this to a child taking your credit card to a store and purchasing things with your credit card. Would you be able to take those things back to the store? Absolutely. Would you get a refund from the store? Absolutely. If the store refused the refund, would you be able to contact your credit card issuer to get a refund? Absolutely. 

This needs to stop.
Product: Debt collection

I found that in my credit report, I don't know what is it.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking all 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 the users vulnerable to scams. This raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my friends applied AMEX credit card, and we don't have SSN. However, except for name and age our application are the same. Result is they got XXXX credit limit and I got XXXX. I have already filed compliant for discrimination, they had never respond.
Product: Credit card or prepaid card

My girlfriend applied for a capital one credit card and added my name to her application without my consent. I had no knowledge of this card until an alert was posted on my credit report. I do not use that card and it should not be on my credit report.
Product: Checking or savings account

My primary checking account with Bank of America got comprimised on XX/XX/year>. First it was started with unauthorized ACH transactions and later with a deposists of fraud checks have been issued with my account number, routing no and address. As soon I received the alert on my mobile, I have notified the Bank. Additionally, I requested the bank to impose freeze on my account to prevent future fraud transactions. However the bank is failed to this date able to stop fraud checks being cashed out. I have spoken to many associates, including visiting the local branch to make this complaint. I am also ready to close this account, therefore I do not have to deal with these security incidents, but the bank is refusing to close the account due to negative balance. Since, the fraud checks are deposited using mobile deposits daily, I am not able to maintain my account with a positive balance that I will enable to close the affected account. It seems the bank do not have a mechanism to stop checks being cashed out although there is a freeze on the account implemented since XX/XX/year>.
Product: Mortgage

I pay my Homeowners Insurance and Taxes. No Escrow. I have paid XXXX XXXX for a full year starting XX/XX/XXXX to XX/XX/XXXX. Freedom Mortgage started an Escrow Account and increased my mortgage payment from {$750.00} to {$1200.00} starting XX/XX/XXXX. I have spoken with them and they refuse to remove the Escrow. I had to fight them before back in XXXX. They did the same thing and I refused to pay the higher notes. They forced my to pay three months of a higher mortgage payment before they would close the escrow. Then I had to request that it be closed. Now I find myself in the same situation. " XXXX XXXX '' with Freedom Mortgage as he identified himself is whom I spoke with on XX/XX/XXXX and he refused to accept a letter from XXXX showing insurance paid in Full. He has a " Power Trip '' attitude... instead of being a team player and Helping this Veteran get this escrow account gone. The county where I live has also changed my physical address from XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which the latter is stated on my insurance policy. He, " XXXX XXXX XXXX, insinuated that I was lying and the policy I submitted was fake. I have had it with Freedom Mortgage and they're lack of respect and customer service. I believe they have bought Insurance to cover my home so they can profit and that is why they are refusing to reverse this escrow account. I am getting a letter from my county pertaining to the address change and XXXX is going to list my Freedom Mortgage policy number on my insurance documents in an attempt that Freedom Mortgage will accept it. I am tired of fighting them. I have a special needs son who takes up all of my FREE time... I don't have time to fight EGO Trips. Also in another correspondance through they're company website message center, '' They stated it may take until XX/XX/XXXX to do anything about this issue! '' That's a crazy amount of time and that means that my XX/XX/XXXX payment they will want at {$1200.00}. County Taxes have not been paid yet due to me contesting a {$500.00} increase and a meeting has been set up in XXXX with the tax office for me to contest the tax increase which I have that right. Please Help. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, This Complaint is regarding a company known as CHECK N GO, Account number : XXXX Amount Borrowed : {$5000.00} Payments made to date : {$3000.00} May I ask for your help? I have tried on numerous occasions to make contact with the corporate office of this company. All that I am told to do, is to leave a message. To date, there has been no response. This company is charging an Annual Percentage Rate of 124.85 % I have been told that the State of Wisconsin, has no regulation for these types of loans. Given the COVID-19 Virus crisis, I have had to file for unemployment. My wife has XXXX and this loan was taken under duress, as a large sum was needed as a co-pay for XXXX XXXX. How a state allows such thievery, must be stopped This is predatory lending. I have tried to make contact with this company, as all of America is in need. When speaking to their agent, I am told that if monthly payments are not made on time, my personal credit will be attacked, as the company has no forbearance plan of any kind. A complaint has been filed with the Wisconsin Department of Financial Institutions file # XXXX as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I defaulted on my mortgage and it went in foreclosure. I found some buyers that wanted to do a short sale. We issued all the documents that PNC Mortgage requested. As always they took forever to process. We were able to get the first foreclosure date canceled. However, when the appraisal was needing to be done. The company that PNC wanted to use was only able to do it the last week before the deadline was came up. PNC said the report from the appraisal came in past the deadline date and the file has been closed. We then issued current information,, like paycheck stubs, bank statements, and 2015 taxes. I have no documentation from PNC only the letters they send when they deny. They never email correspondance. They will call you and ask you the call them back. Or they will stop by the house and leave a door tag asking to call. I feel PNC sticks to verbal communication because it makes it hard for the buyer to had any backup to their mistakes. We found out today that the next foreclosure date ca n't be removed. The file closed again because the buyers proposal was too small. There is a lot of repairs that need to be done to this home. I feel PNC purposely stalled on processing. I feel they did n't even intend to work the case. This is not the first go around I have had with PNC when it came to almost losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : CHOICE RECOVERY INC # XXXX
Product: Debt collection

I am receiving phone calls of harassment, profane, abusive, and vulgar language, threats of jail, prison, XXXX, and XXXX from Bonneville Collections Representatives in regards to a debt collection account thats a fraudulent debt collection account, not my debt collection account, and is the result of identity theft. The debt collection account is fraudulent and from the result of identity theft. Bonneville Collections is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Debt collection

CMRE Finance debt of roughly {$600.00} appeared on my credit report. I have never dealt with this company or had any medical expenses. I need this item removed as it is negatively affecting my credit.
Product: Debt collection

Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.