23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

i have been paying to receive all three reports via experian and i have not been able to obtain all three since last XXXX every month it updates but the date still states XXXX. I have attached proof. it has been extremely frustrating to get help over the phone. in good faith im asking you to refund all monies paid for the reports not received. i have attached proof that i haven't received it since then. please do something about calling in because the automated system makes it extremely difficult to get any help. i pray we can resolve this an i be refunded in a timely manner or i will file arbitration for breach of contract due to you not holding up your end of the agreement.
Product: Credit reporting or other personal consumer reports

To whom this may concern. I recently disputed an error on my credit report it. There was a missed payment reporting on my credit report from discover back in XXXX of XXXX. I contacted XXXX notifying them about the problem they werent aware and told me that all of my payments were up to date. I was not notified about any changes on my report about the miss payment. Under 15 U.S. Code 1666b Timing of payment. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) I wasnt mailed a letter 21 days before my payment date nor was I notified. All of my payments are on autopay so it takes the money out of my account. I contacted TransUnion and XXXX about the problem they said that they will take care of it but never did I even sent proof that it was paid. I would like for this error to get fixed asap please and thank you The Account is XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This Account reflects a Highly Inaccurate Amount owed.

Ive requested Verification of Debt on multiple occasions.
Product: Checking or savings account

Received a check for XXXX from XXXX XXXX XXXX XXXX Consent Order QSF Settlement agreement/Tracking number XXXX XXXX/Loan number XXXX. Deposit was made into Wells Fargo XXXX XXXX 2021 and funds were made available the next business day. Wells Fargo then reversed the deposit mid-day and placed a XXXX day hold on on the check, which caused our account to be overdrawn {$1800.00}. I verified with the drawee bank, XXXX XXXX, that sufficient funds existed to pay the check and I verified with XXXX that the check was cashed on XX/XX/2021, since Wells Fargo indicated there was something with the maker of the check ( a national mortgage company ) Wells Fargo still has not released our funds. Wells Fargo is not a good bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
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, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX, has violated my rights. 

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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

15 U.S.C. 1681B ( 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: Mortgage

Quicken mortgage - I lost my Job early in the pandemic. My income has been greatly reduced. Quicken put me in a 6 month Forbearance. Then applied for a loan mod to make my payment affordable. I assumed they would modify the mortgage and reduce the rate.my loan is XXXX XXXX. They have published the rate reduction MOD. I asked what the rate would be, I was told they cant answer that question. 

I made the three payments and my loan was finally officially modified this month. 40 year loan, rate 4 %. Payment barely went down. Plus my mortgage balance was increased by {$9000.00}.

I body in their resolution department can answer the questions I have. Twice I asked to speak to a manager. I was transferred to voice mail of some one that had an away message. I sent them another e-mail with several questions. No response.
Product: Debt collection

On XXXX XXXX, 2017, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XX/XX/XXXXXX/XX/XXXXIncorrect DOB : - XX/XX/XXXX Employer - OTHER Listed below are the Accounts that are being challenged XX/XX/XXXX- XXXXXX/XX/XXXXXXXX XXXX - XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Listed below are XXXX Collections that are being challenged XX/XX/XXXX- XXXX XX/XX/XXXX XXXXXX/XX/XXXX Listed below are the XXXX that are being challenged XX/XX/XXXX XXXX XX/XX/XXXX- XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

My loan was recently sold to the company LoanCare. Within my original loan agreement, I was entitled to a 15 day grace period before experiencing late fees. This current company, however, has created a " servicing fee '' based on the date of payment. If I pay online before or up to 4 days after the due date, there is no servicing fee. 4-9 days, there is a {$5.00} fee and 10 days or beyond there is a {$10.00} servicing fee. I explained to the customer service representative that this fee structure was not in my original loan agreement. This " servicing fee '' is the equivalent of a late fee, as it is configured based on the date of payment, not a flat rate charge to compensate the company for a service. The 15 day grace period that was in my signed loan agreement is being violated with this fee.
Product: Credit card or prepaid card

We applied for pre-approval on a home mortgage with the PNC Bank. They asked for my credit card number to charge a credit report. I found out later that they charged my card for other customer 's bills and when I complained they finally removed the charges but refused to relinquish access to my credit card. The Lady said that she had the right to charge my card for anything she deems OK. I complained to the CEO of PNC and they have refused to respond. They quoted us an interest rate of lower than 4 %. Then they attempted to ignore the contract and charge us more and even require us to pay {$780.00} for the right to the higher rate.
Product: Money transfer, virtual currency, or money service

I am getting repeated withdrawal attempts on my account for a transaction named XXXX. amounting to several XXXXXXXX. I have contacted XXXX and they have no transaction associated with this account. ( there is not active card to be able to have transactions on the account ), furthermore account is locked which prevents transactions from processing anyway. 

I am accusing Cashapp 's internal personnel of identify theft and wire fraud
Product: Student loan

I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.
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  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX  Inqiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/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 rep 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 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 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 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 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 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 : 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: Bank account or service

I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX and Im here to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I tried to pay my Chase credit card with a new Chase business bank account. The system would not let me. I then called to do it on the phone and Chase told me they could not use the Chase business account. I then tried to setup a bill pay from the new Chase business account and I received a message the system was not available.
Product: Credit reporting or other personal consumer reports

I applied for a loan with XXXX in XX/XX/year> for {$2500.00} to purchase XXXX XXXX football tickets from XXXX online. Several days later I still had not received the tickets, so I inquired with XXXX again and they informed me that the loan did not go thru in time, so the tickets were sold to someone else, and I did not have tickets. I reached out to XXXX  via phone and explained the situation and they stated that the loan information would be updated after communication between XXXX and XXXX was updated. I ended up purchasing tickets thru another online ticketing site and used XXXX XXXX to complete that purchase successfully. 

A few weeks later, I noticed the XXXX  information had not fell off my credit report, so I reached out again via phone. I was told that I needed to get written confirmation from XXXX stating that the ticket sale never went thru. I was able to confirm that with XXXX and provided it back to XXXX, however they would not accept it & continued to say that I owed the money ( for a product I NEVER received ). I have continued to dispute this charge/loan thru XXXX, and thru Experian but it has not been removed to date. I never received a product, therefore there is no loan. If XXXX received money from XXXX and did not return it, that is not on me, but I never received anything at all from either company and want this off my credit report immediately.
Product: Credit card or prepaid card

I submitted a fraud report to Chase regarding a fraudulent charge of {$730.00} posted to my credit card account on the XX/XX/2022. As a result, I requested and received a new card to prevent further fraudulent transactions. 

On XX/XX/2022, I received a call from the Disputes department at Chase asking about other charges I authorized around the time of the fraudulent charge. I provided all the necessary details and explained again to them that the charge in dispute was still fraudulent. I also offered to provide any additional evidence and information in order for them to accurately investigate the issue. 

A few minutes after my call with the Disputes department, Chase closed the investigation ( without requesting further evidence, which I offered to provide ) and determined I was responsible for the fraudulent charge. 

Chase has neglected to : 1. Provide proper investigation results of my case including the steps taken to come to a decision ; 2. Complete due diligence by collecting all evidence regarding my dispute. 3. Provide Zero Liability Protection for unauthorized transactions as promised.

Chase 's negligence in this matter has resulted in damages to my financial outlook, a lot of emotional stress, as well as causing my personal and professional life to suffer as I attempt to resolve this issue.