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

Under the FCRA, this account below has violated my consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX CARD : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt out of any reporting of non-public info.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially 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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Product: Credit reporting or other personal consumer reports

Noticed unauthorized inquires on my credit report and would like it to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Keep getting calls. Looked up number and it said it was from Tate and kirlin associates. I had remembered getting something in mail from them claiming I owed them {$100.00} some dollars on behalf of some company called XXXX XXXX which I had never heard off and lettter had no description of anything of what it was. Looked up online and see tons of complaints from people saying they get letters claiming to owe the same XXXX XXXX place and not knowing what that it. When searching for XXXX XXXX, there is no website that pops up, no info on what the place supposedly does or sells nothing. Only info that pops up is ripoff complains threads with people saying same thing, claim they owe and have no idea what it is, some claim they called and said it was for some supplement trial they never returned and are being charged or some scamming thing. I have not ordered any trial supplenents. Did find website ( link posted ) mentioning this scam from a company called " XXXX XXXX '' where packages show up at people 's doors they did not order, they send it back and then get collections notice from this Tate and kirlin place and another place saying they owe that place. I never received any random package either. XXXX XXXX XXXX Everything I have read sounds like this random XXXX place and debt owed is a total scam and this collection place is trying to collect fake debts from people so therefore they would be scamming people too. I sent Tate and kirlin several messages about calling and that I had no idea what this XXXX place was and even sent them the link to article. They kept calling my cell phone XXXX XXXX XXXX which is my only phone number. I called back and left them voicemail too telling them this seemed like a scam and I didn't know what the place was and there is no info on them and to send proof in mail of real debt from real place.
Product: Credit reporting or other personal consumer reports

Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Loan
Product: Debt collection

This alleged debt was removed and reinserted on to my credit file without notifying me by FDCPA guidelines es. They have violated my rights under title 15. Medical debts is not supposed to report on credit reports.
Product: Debt collection

I disputed the debt and this is what I received back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$9500.00} written off. {$9500.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$9500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$11000.00} Highest Balance - Terms 48 Months On Record Until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date Affected by natural or declared disaster. 

Invalid date, Invalid date, Invalid date Payment Deferred.

Invalid date, Invalid date, Invalid date Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally.
Product: Debt collection

SOUTHERN MANAGEMENT SYSTEMS , INC is a debt collector. I am demanding all communication through any medium besides this CFPB complaint to stop immediately. PLEASE REFER TO ATTACHMENT.
Product: Credit card or prepaid card

US Bank claims to have sent me information via USPS Ground regarding my Cash+ Visa being forced to change to Altitude Go World Elite XXXX. I have received no information and do not consent to this change. When I called, I spoke with XXXX ( ID XXXX ) who told me my options are either accept the change ( since it has already occurred without my knowledge ) or close the credit card ( which would affect my credit score negatively ). They refuse to send me the information about the change via Registered Mail or email. They did not supply me with information about the change within the 45 days before it occurred as required by law. They refused to verify the address they claimed to have sent the original information regarding the forced change. 

Changing products from XXXX to XXXX renders this credit card useless in my area since none of the retailers I choose to use the card with accept XXXX. 

This forced change has put me in a very precarious financial situation. I do not know if I am being charged annual fees nor do I know the terms of this new card. I have not received the new card in the mail. I've asked them to put a hold on the card so that no purchases can be made since they refused to verify the address they have on file for me ( in the event they send the card to the wrong address ). I have paid any remaining balance on the original card. 

This seems unlawful at best and predatory at worst. Why do I not have the option to close this forced account without it affecting my credit score negatively? Why are they not being held accountable for forcing their customers into these situations without their knowledge or consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I did not know that a major well known credit card company would not offer an account to card member on an account. They charged on my account so much that I had to cancel it, I think that they misunderstood that the primary card holder gave them an opportunity, but is not to be held accountable for their expenses they charged, I no longer have any contact with this person, that abused my credit and kindness for weakness. I have received scams calls from American Express from the XXXX area code when I did have this company credit card payments were to be sent to XXXX XXXX, but the customer services was in XXXX XXXX, Tx I dont know where American Express is located today but I do know that is not in XXXX 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

For the past four months, I have asked Transunion to report accurate information appearing on my credit report. Transunion is reporting three XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Based on the details provided in my credit report regarding these three accounts, I am of the opinion that these are fraudulant accounts. The balances and other key details are inaccurate and inconsistent with any account that I have had with XXXX XXXX. Despite my requests, Transunion has failed to comply with FCRA requirements. 

I have seven different letters/credit reports from Transunion containing different information and updates. Transunion has refused to investigate the matter again. I have exhausted every measure and now reaching out to the CFPB for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

During late XXXX, early XXXX of 2021, I telephoned XXXX XXXX XXXX about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Product: Debt collection

American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these items removed i sent a attached a police report XX/XX/XXXX2020 for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank Merchant XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Product: Student loan

Income-driven repayment calculations are based on the borrower 's XXXX and not on gross income.This complaint concerns new student loan payment amounts for federal loans based on a misstated XXXX. 

In XX/XX/XXXX, I recertified for XXXX student loan payments with XXXX. I am both self-employed and employed by a temporary agency. My tax consultant filed an extension for my XXXX income tax return. Due to this extension and the lack of an income tax return, I had to provide my XXXX and XXXX forms to XXXX directly. I did on XX/XX/XXXX. 

Thereafter, I called XXXX on XX/XX/XXXX to inquire about my XXXX recertification. They calculated my XXXX at least {$10000.00} higher than my tax consultants estimated XXXX and set the student loan payments accordingly. 

Because my income in XXXX is drastically lower than last year, I submitted XXXX applications for recalculation. I submitted self-certifications for self-employment and pay stubs from my employer as supporting documentation. After submitting each new XXXX application, I called XXXX to inquire about the status of my application. I submitted new XXXX applications for recalculation on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I spoke with Conduent representatives on XX/XX/XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

XXXX lowered my XXXX by about {$13000.00} but their XXXX is still significantly higher than my projected gross income for XXXX. I am struggling to pay my student loan debt. I am age XXXX ; my financial struggles have been exacerbated by medical expenses. 

Conduent does not reveal their XXXX calculations, discusses their XXXX number only when asked, and has stated that I provided " too much information '' or denied my application based on some other issue such as failure to use the word " gross '' income in conjunction with my self-employment. I also newly understand that XXXX is exiting the student loan business and that my loans are scheduled for imminent transfer to a new servicer. I have received little concrete guidance from XXXX concerning what documentation is sufficient but not " too much. '' There is no transparency in their conduct and their XXXX calculations are grossly misstated.
Product: Debt collection

I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.
Product: Debt collection

I am formally disputing this auto loan under the provisions of 15 USC 1681, which pertains to the Fair Credit Reporting Act. I believe there has been an error or issue related to my loan that violates the terms outlined in the law, and I am requesting a thorough investigation and resolution of this matter.
Product: Debt collection

A year or so back I was continuously getting false reportings on my credit report for {$280.00} for XXXX   XXXX. I have never a day in my life had XXXX XXXX services. It finally took writing to consumerfinance to get it off my credit report because disputing it through XXXX  kept coming back that the account was mine even though it was not. 
Now, I have received another collections on my account from XXXX XXXX XXXX  who is through who?? XXXX XXXX. This company is changing the company I apparently owe and continuously trying to come after me for a debt that I definitely do not owe. I did not forget that they already tried this a couple of years ago.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account, RENTONCOLL, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.