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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I am one of the people affected by the Equifax Data Breach of 2017 ( I confirmed this with their tool at https : //www.equifaxsecurity2017.comXXXX ). Right now I am freezing all of my credit reports for multiple agencies ( not just the Big 3 ). I am also considering changing my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX ) the inquires for Experian are, ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on XXXX, TransUnion and XXXX on XXXX thats wrong... .It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & Transunion or all that apply ) and update the accounts to positive.
Product: Debt collection

On XXXX. XXXX XXXX XXXX XXXX XXXX XXXX sent a garnishment from Speedy Cash employment to my employer XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. For a loan/returned check from XXXX. The statue 0f limitation has passed.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with your credit bureau. I let you know this account was not being reported accurately and is hurting my ability to obtain credit. This account can no longer be reported to my credit report because reporting this account violates my rights for the FCRA. The vehicle in this account was Voluntarily Surrendered in XX/XX/year>. Since then the account has repeatedly been updated every month with inaccurate information every month. This is an update in the payment history. The account listed below need to be immediately removed from my credit report as it is reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau XXXX TransUnion XXXX This account has inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts over the summer in XXXX/XXXX  that are both XXXX $ each. Equifax removed them XX/XX/2019 and I now I checked my credit XX/XX/2019 and their both back on.
Product: Checking or savings account

I have a checking account with Bank Of America. Fraud occurred from XXXX until XX/XX/XXXX when I discovered it. The amount was roughly {$85000.00} BOA restored approximately {$60000.00} I have been trying to recover the remaining funds for the last two months. 
The full details are contained in the attached pdf " BOA Complaint ''. While I have tried to be as concise as possible, I felt I would not be able to fit in the details in the space allotted on the CFPB Web Site. 
Other pdfs included : XXXX and XXXX pdfs both show payments that I had made and authorized from the account in question, that occurred prior to the fraud period, that BOA reversed The pdf labeled BOA spread sheets shows the fraudulent charges and the final action, if any, by BOA The very large PDF labeled BOA Statement is a copy from the Actual BOA site from XX/XX/XXXX until approximately XX/XX/XXXX
Product: Bank account or service

Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!
Product: Other financial service

I am a 2014 graduate of a XXXX program with over XXXX worth of student loans. Naturally, I was looking for some debt relief or a solution to improve my financial situation. My mom sent me a facebook article about 'debt relief ' which led my to the " Student loan relief department '' ( I use this title very lightly ) based out of XXXX , California . I talked to a representative for a decent period of time via phone and before I knew it I was locked into a $ XXXX/month service ( they fill out your paperwork for the PAYE government loan forgiveness program ) before even thinking about what I signed/read ( my lender has made me aware of that I am able to do myself for free ). I attempted to cancel the service when I was made aware ( by fed loan servicing, my lender ) that I am able to complete the 10 minute process myself when I was made aware by " Student Loan relief Department '' that 'it was too late and the work was already done ', I could not turn back. I was also initially told that I owe {$800.00} up front or {$1200.00} over 3 years ( with interest included ) to only find out that I owe {$1200.00} PLUS interest accrued over the three year period. This company has misled me about many things on the initial phone call as well as over time through email and follow up calls. They denied my request to end our business relationship ( which was a scam in the first place ) and now are virtually unreachable via phone. My lender ( XXXX ) has directed me to the FTC and XXXX to report this and states that these are scam companies. Now I am stuck paying {$1200.00} PLUS interest further putting me into debt due to being misled and misinformed. Please help me! I am willing to do what ever is necessary to help other new grads avoid falling into this trap as well!
Product: Checking or savings account

This is a complaint about Wells Fargo previous investigation into an old Business Checking and Savings Account I had with them. Awhile few months back XXXX at the XXXX office said he looked into my old business checking account and he found no error with it. However I was charged overdraft after overdraft XXXX dollars each time. XXXX said he found no problem with it. Well my question is why didn't XXXX see if he found no problem with the overdraft fees what about the fee after fee I was paying at ATMs that Wells Fargo just settled another class action lawsuit on. I know I must of paid over XXXX or so fees where not only did the ATM from another finacial institution charged me XXXX but Wells fargo also charged me XXXX making it {$5.00} per atm charge when withdrawing money. Now they just settled a lawsuit on it and XXXX fails to mention this to me just that there was nothing wrong with the account. Please re look over my business checking and savings account and look at the ATM fees I was charged by Wells Fargo. I no longer trust Wells Fargo will be honest with me. This just adds to the list of bad faith actions Wells Fargo had done to me. If nothing is done about any of this or any of the other complaints I sent in to CFPB I will be turning all these complaints right on over to the FTC and other agencies as well. Every time I turn around I'm getting a letter or some XXXX  I'm the mail telling me how Wells Fargo did some other bad faith practice to me. If Wells fargo sweeps all these complaints under the rug and does XXXX and CFPB does not look deeply into these complaints I will have no other choice but to hire my own lawyer to go after Wells fargo besides turn all these over to the FTC like i said. I will not stand for this anymore Wells Fargo needs to be honest and stop saying they see nothing wrong with old accounts of mine just so I can hear how they settled ATM fees later they charged in old accounts of mine out the rear end. I AM DONE.
Product: Debt collection

Medical bill needs to be removed from credit. It was paid for through Georgia 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  ( Original creditor XXXX  XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX ) XXXX Account Name : XXXX  ( Original Creditor XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Account Name XXXX # XXXX Account Name : XXXX XXXX Has a balance of {$300.00} Account was Charged of 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1681c section604 ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.
Product: Credit card

This account has mostly fraud charges and was compromised I called the company and complained and they never filed the disputes for charges in 2022 the account has over XXXXXX/XX/XXXX worth of fraud charges now the account is in collections I told the collections that this account is fraud and the charges please help remove this off my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

World Finance Corporation issued {$1900.00}. using my social security number to pay someone a loan. They are reporting this uncollected balance on my credit report while it isn't my account. I only found this error when I noticed my credit score declining. World Finance Company hasn't reached out to me, and allowed someone to use my credit very very loosely.
Product: Mortgage

Restructured 7 yrs ago while in financial and terminal health crisis. Struggled through laborious process and ended up with a usurious 2nd mortgage with a baloon note. Husband died and I lost 60 % income. Mortgage now is over XXXX monthly income. Have been approached by company claiming to resolve the XXXX underwater position by getting mortgager thru TARP fundes to forgive XXXX. Offerring 2 % fixed over 40 yrs to a XXXX yr old widow if I pay XXXX for their service of applying with mortgager after minimal preapproval data provided. Language of " retainer '' contract indicates failure to provide any further documentation by deadlines can render contract void and no refund of retainer. My children think this is a scam but I am hopeful that there is at least partial truth in the availability of principal reduction with government assistance. I am not impoverished. I have XXXX per yr income but a significant debt structure. I have reduced the XXXX consumer debt my XXXX husband created to less than XXXX today. I am current on all payments but going XXXX in hole each month with only XXXX savings of any kind. I might survive financially another 6 months before having to declare bankruptcy which I consider lacking integrity. I want to pay back reasonable debt but hope that the predatory lending of my mortgager might be remedied to a more reasonable amount. XXXX was the mortgage before real estate market imploded - I have been told FMV is now XXXX. I have a 10.65 % 2nd mortgage with a baloon due in XXXX the 1st mortgage is 4.65 % for XXXX over 40 yrs due XXXX. I need help finding a resolution with integrity. If I must leave my home, I 'd like to do it with dignity. My hope is to keep the property.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting specific issues with the platform. Despite uses Zelle numerous of times my financial institution and Zelle failed me but investigating my claims accurately. They informed me that recovering these lost funds was impossible in their track and these last ones was unfeasible. The cfpbs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. With that being said it raises deep concerns for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX  Balance {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$0.00}
Product: Credit card

I purchased a flight with XXXX XXXX for XXXX tickets total of {$870.00} in XXXX XXXX. The flight was scheduled for XX/XX/XXXX. 

I had to cancel the flight in 10 minutes within the 24 hours of the flight and filed a refund request with XXXX XXXX. Received a response that they would refund a certain amount due to the cancellation. I filed with Chime my bank a dispute due to my cancellation which was due to a medical emergency for my mom who had XXXX XXXX. 
I had to travel to South Carolina and was not able to travel to XXXX which the flight was set for. 
Chime has declined my refund request 4 times in which Chime is saying they find no fault. I have even submitted documentation showing the refund request with XXXX XXXX. 
Now XXXX XXXX stated that Chime did a chargeback and they cant refund me directly however Chime never gave my money back. So if they received a refund they never gave it to me! 
Months later I am still waiting for my money to be returned back to me! 
I have been with Chime since XXXX and I never had such an issue before but if they are stealing money that is not theirs they need to be held accountable for.
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 or other personal consumer reports

In XXXXordance 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.

has violated my rights. Or a 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

In the past with XXXX XXXX XXXX it has been near impossible to get them to report our first three payments ( XXXX, XXXX, XX/XX/2021 ) to the credit bureaus. We have complained about this from day one, with them being determined to not update the credit reporting to correctly show that we have made those first three payments. This has been an long going problem that when applying for Refinancing wee were being told that those first three missed payments make our loan appear as an Forbearance or Loan Mod is associated with our loan, and it makes sense because of their insistence to not correct the problem. 

So this time we're sending the complaint to the three credit bureaus and have attached our last year Mortgage Interest Statement, that will show just as the Payment History statements from them were used previously to show that we have made those three payments. 

I am this time sending the Mortgage Interest Statement to all three credit bureaus to verify that the payments were made and are hoping that the credit bureaus will make this update to prevent our mortgage credit reporting can no longer appear as an predatory rigged account. 

XXXX XXXX XXXX has made changes to our credit reporting that is not only inaccurate, but in some cases it is contrary to the actual loan documents themselves. We have been disputing this from day one and since they refuse to correct obvious errors and what appears as predatory additions, we are now asking the credit bureaus to do the right thing.