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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN CHILD SUPPORT 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 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

Open date XX/XX/year> XXXX : {$10000.00} During the period when the debt was due, I experienced significant health challenges that prevented me from working and fulfilling my financial obligations. As a result, I was temporarily unable to meet my financial commitments, including this debt.
Product: Mortgage

I have had problems with Rushmore Mortgage, my payments keep going up - I paid the shortage amount for escrow but this was not applied, instead the payments went up by almost {$200.00}! I spoke to customer service rep, on XX/XX/XXXX, I was on the line with them for over an hour, I still do not have an answer as to why my payments are going up, I would like to have my mortgage account audited and find out why this is happening. 
Thank you for your help in advance ...
Product: Mortgage

On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.
Product: Student loan

I pay {$600.00} to the U.S Department of Education - XXXX XXXX. The payments of {$50.00} were taken from my bank account every month which amount to {$600.00}. completed and signed paperwork was mailed to XXXX. XXXX XXXX, XXXX, NE XXXX. Fax : XXXX, phone # XXXX. After taking this amount from me, I call the phone number above, it has been disconnected. I was hit by a XXXX XXXX on XX/XX/XXXX of XXXX with a XXXX injury for which I'm receiving XXXX from Social Security. My XXXX number is XXXX. I can not remember the actual organization or Agency ( Student Loan Care , LLC OR XXXX XXXX XXXX XXXX XXXX ) but on my Bank Account record, it is written Student Loan with this phone number : XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

My account appears to be locked and I am unable to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that I owe {$350.00} on a revolving account. They are reporting it to be in a Negative status. The account was paid of in XX/XX/2015. They refuse to change the status and it is affecting my credit in a negative manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that Miramed Revenue Group at XXXX XXXX XXXX XXXX XXXX, IL XXXX has reported an unknowledge account against me, I have no knowledge of this account, never received NOT 1 bill. So how they ruin someones credit without providing accurate information.Never recieve ANY DOCUMENT about this bill. Thats a violation of the FDCPA/HIPPA. I want a complete COA, DOS,  Itemized Bill within 30 days. I want this deleted and removed from my all 3 credit reporting agencies.. I will Be reporting this company to BBB also.
Product: Debt collection

This is a medical debt I have never received any info on. Showed up on my credit report on XX/XX/XXXX. Contacted the collection agency ( XXXX  ) on XX/XX/XXXX and all they could tell me is that it stemmed from XXXX. They would not give me any further information. I am on XXXX and need help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX XXXX XXXXXXXX, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zions Debt Holdings # XXXX : I did NOT open this account nor give authorization to anyone to open this account on my behalf. This credit reporting is either fraud or a mixed file. I have filed a claim with the police dept. and the FDIC, please see attached. Upon taking matters into my own hands, it appears that someone either used my information to gain goods OR the credit bureaus got the wrong person that has the same name. I contacted the original creditor " XXXX XXXX XXXX '' and they provided me with a copy of the original sale contract. Please see attached. The goods from this company were purchased for a business called " XXXX XXXX XXXX  '' which I do NOT own or have ever done business with. I have never associated myself with the address that is on the sales contract. The phone number on the sales contract is not mine as well. This is a clear mix up or fraud. Please delete this erroneous reporting from my credit asap.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies that require immediate correction to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), when information is determined to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate or unverifiable information and notify the furnisher of the information about the changes. 
The following items on my credit report need correction : Personal Information & Old Addresses : Please remove outdated or incorrect personal information and addresses from my report, specifically XXXX XXXX XXXX # XXXX, XXXX, NJ XXXXXXXX XXXX : This account is inaccurately reported as late. Please update the status to reflect Paid as Agreed with no late payments, specifically correcting the report for the month of XX/XX/XXXX to show as paid. XXXX XXXX XXXX XXXXXXXX : This account is also inaccurately reported as late. Please update the status to reflect Paid as Agreed with no late payments, specifically correcting the report for the month of XX/XX/XXXX to show as paid. I have enclosed supporting documentation to verify my identity and current address, along with any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing on going harm to my credit standing. I'am requesting immediate corrective action to remove or amend the disputed account, as XXXX 's inaction violates federal law and my rights a s a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected my personal information.
Product: Credit reporting or other personal consumer reports

I Have Multiple Unauthorized Inquiries On Credit Report That I Need Removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I contacted the original account holder. They in return told me to contact the collection agency. I sent the collection agency the police report showing the phone was stolen in XX/XX/2021 when i suspended service. The collection Agency stated once they receive the police report they will take the collection off my account. I have been reaching out them them and have been getting the run around.
Product: Money transfer, virtual currency, or money service

Hello. I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I sent XXXX XXXX to the wrong person using XXXX.i called Chase to correct my transaction but they told me it couldnt be reversed, so I never received any money back.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, as a credit reporting agency, block the information appearing on my consumer credit report that is a result of identity theft and fraud. As required by law, this action must be completed within XXXX business days of receiving this complaint. 
The following items do not belong to me and are the result of unauthorized fraud : XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  / XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of the FTC Identity Theft Report as evidence from the U.S. Federal Trade Commission, confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

A relative applied and received a Walmart Credit card in my name for {$150.00} limit XX/XX/XXXX. I found out about this XX/XX/XXXX and contacted the card company. I began making payments on the account of {$50.00}. per month for at least the nest XXXX or more months. They would charge me a late fee every month of {$35.00} even though I explained I only get paid 1 time a month. I have paid them over {$500.00} and they say the balance is still over {$300.00}. This is crazy on a card with a limit of {$150.00}.
Product: Money transfer, virtual currency, or money service

Hello, my Business Account is registered on Venmo. I use the account for business only. 
On XX/XX/XXXX a consumer using their Credit Card purchased a Heating and Air conditioning package from me, which I purchased solely for the consumer. 
On XX/XX/XXXX the consumer filed a chargeback saying the Materials were defective or missing parts. 
I was given a chance to defend my business by submitting any pertinent information I felt could help me. 
I submitted many conversations, receipt copies, photos of Materials etc.. 
However today I was notified a decision was made in favor of the consumer. 
I explained to Venmo in writing on XX/XX/XXXX that it has been over 130 days since the transaction and by the laws writing and found in the Fair Credit Billing Act of 1974 that the consumer exhausted and exceeded the time to file a chargeback. 
I also sent incriminating evidence to Venmo but to no avail. Only to be ignored. 
What is most upsetting to me is Venmo mentioned the Consumer protection Laws as a reason for their actions. But that it clearly only mentions " fraudulent business practices, defective products and dangerous goods or services ''. 
None of which is relevant to me or the transaction between the consumer and I. 
And they did not refer to the Fair Credit Billing Act of 1974 in which it clearly talks about chargebacks and the time allotted to the consumer.
Product: Credit reporting

Arizona XXXX XXXX bill paid, {$44.00} months ago!!
Product: Checking or savings account

I opened a Money market Savings account and met all the requirements to receive a bonus of {$500.00}. Per Ally bank, the bonus should have deposited on XX/XX/XXXX. 

After not seeing the bonus for a month, I called and got XXXX # XXXX opened. 

Then on XX/XX/XXXX I got a voicemail from Ally bank and called them back and spoke to a person named XXXX, who informed me that the bonus was deposited, but into another account. That account is not owned by me, but by a XXXX which was set by me and my husband. 

XXXX said she will correct it and she executed a transfer of {$500.00} from the XXXX account to my account. But while this corrects the balance, the bonus is taxable and is included in the XXXX interest. I told her the XXXX interest is now wrong on two accounts. 

Hence, these are the issues involved that CFPB and regulating agencies need to look into : 1 ) ALLY Bank deposits bonus late by over 2 months 2 ) ALLY bank put the bonus into another account with different title and ownership 3 ) ALLY bank call center representative is authorized to move money from one customer 's account to another customer 's account - which is very dangerous.

4 ) ALLY bank deposits the bonus two months late and says they do not owe me any lost interest on the late deposit of the bonus, implying that they are not bound by the terms of the initial account opening agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021