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

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) XXXX The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Debt collection

I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was born XXXX XXXX XXXX  at would need Ashmer Collection Services XXXX Agency to properly and thoroughly reinvestigate, thoroughly read and understand my dispute and believe in my personal logical and knowledgeable reasons why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Vehicle loan or lease

I was requested to provide proof of insurance for a commercial trailer and have done so multiple times starting about XX/XX/2020. On XX/XX/2020 the lender placed additional insurance with a deductible of only {$200.00} and a cost of {$4400.00} for one year of coverage and added the balance to my loan when they only require a deductible of {$2500.00} and shouldn't need this added insurance anyway. I'm now trying to both get the deductible increased until I can just payoff the loan but can not get any assistance with this from the lender or the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX
Product: Debt collection

After a car accident I was transported to the XXXX via XXXX XXXX XXXX. The accident was not my fault, and so the other driver 's insurance was responsible for all expenses. The bill was not only paid, XXXX and my lawyer called the debt collector to tell them that. However, I am continuing to get letters regarding this debt. When I called the agency they claim that no one has every called ( neither XXXX or my attorney ) to tell them to take it off.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Submitted a Qualified Written Request for corrective action including payment history correction, and Failure under XXXX to properly notify me of mortgage transfer of servicer. Also not cancelling foreclosure sell while in a modification process. 

Mortgage was sold from XXXX XXXX  to a new servicer, Selene Finance without notifying me, and incorrect payment history. I have disputed and requested the information for the falsifying missing payments. The new servicer Selene Finance will not tell me and or my authorize Rep, anything about what payments are missing and/or delinquent after multiple request and Selene have not accepted any payments since obtaining this account stating because its " too delinquent '' to accept payments, and recently sent me a modification application for the first time which I completed and returned immediately but Selene failed to stop the foreclosure during the modification process as allowed federally and per State of Georgia violating all my righs under Rule 80-11-6-.02. Also request all documents pertaining to the already approved Making home affordable loan, and program approval documents and terms which is current and active on current loan.
Product: Credit card or prepaid card

I received a gift card from a student for XXXX from TD bank Because I didnt use the card until now the funds have been depleted for inactivity, although there is an expiration date of XX/XX/XXXX I wanted to know if this is legal since I did receive other cards from other banks at the same time and have been able to use them And if it is legal, it is certainly not fair. 
I hope that you can help me in this matter
Product: Credit card or prepaid card

I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} XXXX approx. {$1800.00} Bank Of America. A man posed as XXXX XXXX, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The XXXX men took me to XXXX separate gas stations buying nearly XXXX of some sort of tickets/cards, they tried to get me to take more money directly from the cards using ATM and I entered incorrect PIN before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! The second gas gas is where the BOA card was used and I didnt sign for anything but card was still used by the XXXX man. Filed reports with XXXX XXXX XXXX contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX  local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies are billing me for unauthorized charges, I did not authorize three men posing as XXXX drivers to force me to give them me credit cards and steal the items they wanted bought. I am military and the credit card companies are charging me fees, late charges on the unauthorized charges and ruining my credit. I was XXXX to XXXX beginning XX/XX/2019 and just came off of military orders. Any help you can offer would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to find a free TransUnion credit report, but was tricked into signing up for a membership that charged {$25.00} a month. 

I searched XXXX for my transunion credit report, and followed what appeared to be the correct search result to the TransUnion webpage. I had to enter information about myself so they could identify me including name, address, ssn, credit card info. 

At no point did I see any information stating that I was signing up for a monthly billable membership service. ( Maybe it was somewhere in 0-point white font on a white background, but they successfully hid it from me ). There was no confirmation page before they charged my card. The only alert I got was in an email AFTER they accepted my account info, and had billed me for my first month. I immediately cancelled my membership, but they already charged me {$25.00} for the first month. ( An amount that is so high that either the service they provide is truly remarkable, or they only count on billing people once before being cut off. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out several disputes trying to get false information off of my credit report. They are refusing to remove the incorrect info off of my report. The late payments showing for XXXX, XXXX XXXX, XXXX, XXXX and XXXX Card are all incorrect. I contacted the creditors and they explained to me that the information in their system is not showing late payments and that I need to dispute with the credit bureaus. The late payments are making my credit score low and I am trying to buy a house. Also the bankruptcy and XXXX credit card needs to be removed as well. This bankruptcy was filed in error and the XXXX  credit card was opened fraudulently. Lastly XXXX  credit card was suppose to be removed from my report after I paid it. Transunion refuses to remove it. The credit bureaus are refusing to fix these errors and I dont know what to do.
Product: Debt collection

Calling and told them I failed to make payments because I lost my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and TRANSUNION is in violation of my privacy and does not have my consent to to furnish, have, share, or sell my information. TRANSUNION is reporting false debt that is not verified and is asking for proof of payment. This request by TRANSUNION is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. TRANSUNION is acting as a debt collector and has invoked my rights pursuant to the Fair Debt Collection Practices Act. TRANSUNION has assumed a role and credit reporting is voluntary and solely up to the consumer. TRANSUNION is causing the consumer grave financial harm. TRANSUNION has communicated with an alleged creditor without first gaining permission from the consumer. My privacy has been breached by TRANSUNION and I am immediately demanding that it stops. TRANSUNION CAN NOT TELL CONSUMER THAT THEY DON'T HAVE TO INVESTIGATION WHEN IT PERTAINS TO THE CONSUMER 'S PRIVACY AND CONSENT.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section XXXX ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I withdrew XXXX Litecoins from Coinbase as a sell and wire transfer to my bank account on XX/XX/XXXX. I figure that it might take a couple days to process and go to my bank checking account so i waited to check. I then went back on coinbase to check the process on XX/XX/XXXX and found that the wire transfer was processed on XX/XX/XXXX to my bank on XX/XX/XXXX, but no funds were in my checking account. I then went ahead and sent Coinbase an email on XX/XX/XXXX expressing my concern. I heard nothing from them in the next couple days. I decided to give my bank a call to see if they were holding the wire transfer and was told that there was no pending wire transfer into my account. I then decided to send Coinbase another " Follow Up '' email on XX/XX/XXXX since i did not hear any response back from my previous email on XX/XX/XXXX. I was looking for some assurance that my funds were not lost. I did not hear anything from them to this date XX/XX/XXXX. I called my bank again and they said that there are no wire transfers in the amount of {$2100.00} ... I also did a support request on Coinbase including all the information of the withdraw i made about a week ago and still have not heard anything back from Coinbase. I have even sat on the phone with them for 40 mins trying to speak with an actual customer service person over the phone before hanging up because of the wait. Please help me get an answer from them so i can receive my funds from Coinbase.
Product: Credit card

I held a XXXX credit card XXXX Received a notice dated XX/XX/XXXX indicating the XXXX would be XXXX %! I've never seen such a high XXXX when the prime rate is XXXX  %. CFPB shows XXXX % APR as the XXXX high. 

I called to cancel my card in opposition to this price usury and to register my concern about the impact to average Americans, many of whom do not take the time to read such notices and the fine print. The agent was unable to indicate why such a high rate saying it was due to " market conditions ''. XXXX, the agent, had no speaking points about the letter, offerd no negotiation of rate, was unable to explain why a high " margin rate '' of XXXX % or what " market conditions '' in particular are causing this APR. The lack of concern made me aware that Macy 's customer service is probably not fielding too many calls as a result of this notice. I'm guessing many customers are unaware of this price gouging. 

We need credit card reform and federal legislation to protect consumers from usury. There should be legislated caps on APRs and fees. XXXX XXXX is not entitled to bankrupt Americans. XXXX % is a direct attempt to cause financial havoc on millions of American consumers and families.
Product: Credit card or prepaid card

XXXX XX/XX/23 I purchased a generator from XXXX online using my cc. They sent me a damaged generator and I filed a dispute. Citi has issued a conditional credit but here is my dilemma : XXXX is NOT answering any of my emails or phone calls so we can reach a resolution, Citi will keep this dispute open too long for me to prep for hurricane season ( need for generator in first place ) so I'm stuck with funds in limbo and a non functional generator that I paid for ( new but sent damaged ) and I need a resolution TODAY on this matter so I can either replace the generator or at least know there is some conclusion to this mess now as opposed to continuing to have to deal with this well into hurricane season. I'm seeking an IMMEDIATE resolution to this matter and am unwilling to wait months on end for Citi to finalize this.
Product: Credit card or prepaid card

On XX/XX/18, {$2400.00} of fraudulent charges were made on my Bank of America credit card as a result of a stolen credit card from my mailbox. 

I didn't request a new credit card from Bank of America. They sent an unsecured to my address without my consent, which put me at risk of theft. 

Their " research '' found that " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' without providing any evidence. Since it was a credit card, you do not enter a PIN or sign for the service. It's clearly a stock message they share to shed responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to XXXX. Call XXXX they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$2000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date XXXX XX/XX/XXXX Balance {$1600.00} XXXX  Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

CAVALRY PORTFOLIO SERVICE Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

CAVALRY PORTFOLIO IS AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I  contacted citi bank the original creditor on this account who stated 1099c was issued 4 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to Cavalry on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???
Product: Student loan

my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. 
It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. 
this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes especially due to CFPB lawsuit. Despite using Zelle numerous of times and reporting discrepancies to my bank they failed to investigate and I suffered financial losses. They informed me that recovering lost funds was impossible and that tracking these transactions were not feasible. The CFPB findings indicate that Zelle has not only neglected to protect its consumers but also have allowed repeated offenders to exploit the system, leaving users like myself vulnerable to scams. The lack of accountability and transparency raises concerns about consumer safety!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$0.00}