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

Moneylion was to good to be true and I seen this ad on XXXX advertisement and fell victim to this misleading company and when I signed up and then quickly realized after the fact I didnt want to use this after the fact I read small fine print I tried to cancel this whole pyramid scheme. There are plenty more customers out there that fell victim and customer service is non existent and when you do get ahold of someone they tell you well you signed an agreement. Well its supposed to help your credit but they never lend you any money that you dont pay into it. So I tried. To cancel this companys preying on vulnerability people through Covid times on top of me already had filed bankruptcy and now they say I owe over a XXXX bucks and its now in collections when they never gave me a dollar at all. They just kept my money I paid monthly into this pot and after 12 months I get my own money I paid into every month. But they say since I didnt finish my term of me paying every month into this money pool thAt now I even owe more money. What about the two months I already paid into it for? Do they just keep it and still charge me cause I never finished the term? They never gave me a dime so how could this be a negative account on my credit! Can someone explain how this company operates legally?
Product: Credit reporting or other personal consumer reports

As I understand it, under FCRA XXXX, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Product: Debt collection

Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the credit reporting agency refuses to remove the accounts I have been victimized with from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My Chapter 7 bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.
Product: Checking or savings account

I deposited a bunch of checks from my mom to me for work I had done over the last year and her bank sent one of the checks not paid so for the last 7 days including the the weekend me and my mother mad multiple calls doing what ever pnc asked and they still have a hold on my funds now I have been lied to by the bankers from pnc and it got to the point where I could not feed my family all for a check signature that my mother authorized and fix with her bank and mine over the last seven days and still one of my accounts is still on hold this is bull and I am completely sick to my stomach because of how horrible these people are that just keeps putting the hold on so I cant do anything and they blocked my atm card so I cant access even the money that is released I believe that this was intentional to hurt me and I have no idea why but I think its time I talk to an attorney about this entire situation because I believe this is completely unfair I have done nothing wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are 6 years and 10 months today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have 0 late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report
Product: Debt or credit management

Paid for services for repair credit with Lexington Law. Very deceptive and misleading. They didn't do anything but keep charging me monthly fees. When we called, they had no information on the status of the repair process. Useless
Product: Credit card or prepaid card

RE : XXXX This is a portion of their response to my complaint. 

We sent you the enclosed letter dated XX/XX/2023, informing you that if you don't successfully complete the terms of this agreement, we'll charge off your account and may send it to a debt collection agency. 

I would like to see " HIGHLIGHTED '' in this letter, dated XX/XX/XXXX, where they stated that the settlement could not be voided. All I am trying to do is continue to make payments until {$4200.00} is paid in full rather than {$2100.00} that was previously settled on. I do not understand their reasoning, as they seem XXXX bent on wanting to have a charge off on my credit repot. As I stated previously I am trying desperately to rebuild my score. XXXX also made a settlement agreement with XXXX XXXX, who worked with me to catch up the delinquency and continue payments as established when the account was opened. I do not understand why they are refusing to accept full payment rather than the settlement amount.
Product: Credit card

I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?
Product: Money transfer, virtual currency, or money service

I started a new account with Coinbase.com last week and made three transactions betweenXX/XX/XXXX last week. Here are the Transfer IDs : XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00} XXXX XXXX XXXX XXXX XXXX for {$380.00} XXXX XXXX XXXX XXXX XXXX for {$320.00} Immediately after making these transactions, Coinbased closed my account with no explanation. These transactions are showing in my bank as posted ; however, I can not access any of the coins or the money in Coinbase as when I login it shows my account is " in the process of being closed ''. I ca n't access anything further, so they 're currently holding all of my money with no way for me to resolved the issue. I have tried reaching out to them via email, XXXX, and their customer service form feature on their site. Nobody has responded.
I 've asked they return my coin purchase money ( {$2200.00} ) + trading fees ( {$33.00} ), so {$2200.00} total immediately with no response. I 've asked them to call or email with any questions on what I need to do on my end to help resolve this and get my money deposited back into my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

I received information from Wells Fargo again stating that XXXX was the servicer, of my mortgage. When they stated " that they have no documents ( due to retention requirements ) So did they use a crystal ball to determine this since I have provided documents that prove Wells Fargo as liars, and continuing their actions by screwing the customers? 

I want to discuss this breach of trust, they Have been provided my updated contact information and due to their lies, I don't talk to liars!

Only on one condition, I have an attorney ( I can verify ) contact me, by phone, so if he lies then I will start proceedings against him, for the same! 
Wells Fargo can reach me at ( XXXX ) XXXX since CFPB has updated my official contact phone number.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft the fraudulent accounts Ive listed are enclosed in the attachments along with a recent police report
Product: Debt collection

I will start by saying this is a long and difficult situation and I hope that this never happens to anyone else. This medical debt has XXXX parties involved MY INSURANCE COMPANY, XXXX XXXX AND RADIUS GLOBAL SOLUTIONS but I am only reporting my actual insurance company ( SUNSHINE HEALTH ) by not giving me the proper information/documentation in order to resolve this debt. In XX/XX/2019 I went to quest diagnostics to get my blood drawn. Once completed quest diagnostic billed my insurance company. My insurance company stated they only covered about 60 % of my bill which left me responsible to owe quest diagnostics in the amount of {$480.00}. XXXX then sent this unpaid bill to a debt collector called radius global solutions. I submitted a claim with my insurance company to see if they would cover the remaining balance of {$480.00}. After submitting the claim my insurance company ( XXXX XXXX ) went ahead and covered the whole amount of the {$480.00} but never not once did they communicate that with quest diagnostics or radius global solutions. Now I have a outstanding debt currently with radius global solutions that is affecting my credit because my insurance company failed to send anything over to quest diagnostics in order for them to cancel out this debt with radius global solutions. I have been consistently calling them in order to get something in writing via email or mail to state that they paid the bill in full. They stated that they would send something out over a month ago to my home address and never did. They also stated that they were unable to email me anything stating that they paid the bill off as well. Im so confused as to the fact that I am not able to receive anything stating that they paid the bill off or at least for them to contact quest diagnostics in order to resolve this issue.
Product: Credit reporting

Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action returned.
Product: Credit card or prepaid card

Milestone Credit Card was closed end of XXXX by the company. I paid all fees. Over 3 months later XX/XX/XXXX I was issued a refund to that card. To my surprise milestone still is using my personal information. I asked that the refund be returned to the issuing party and all of my Information be cleared from their system. My request was refused. I asked that I be sent either the paper I signed that milestone can still access my personal information after account closure and they refused. I also requested my {$280.00} refund be expedite again a refusals. I asked several times for return calls the information and an expedited check for the refund with no success. I want to see the legal papers that gives them access to that information after account closure and I want my refund immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I provided police reports ; regarding numerous fraudulent XXXX XXXX  accounts ( No Account Number provided ) to XXXX, XXXX, & Experian. The agencies removed some of the accounts, but not all. The five remaining accounts creditor information was changed to Dept of EdXXXX XXXX which remains on my credit report today. 

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, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX  : # XXXX, Dept of Ed/XXXX XXXX  # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have 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

On Friday XX/XX/XXXX I filed a claim on a transaction from a merchant for a product/service I did not receive when I tried to send a fax at XXXX. A short time later, someone from XXXX, the business I tried to send the fax to, informed me that the fax was too dark to read. At that point I contacted XXXX to inquire about a refund and was told by an employee ( XXXX ) that I could not get a refund since I no longer had the receipt. I then called the Bank of America claims center to recover what I had spent and the representative informed me that order to have my money returned I would need to contact the business that received the fax and have them write to Bank of America on company letterhead with an explanation that they could not read my fax. Bear in mind that the total amount of the claim is about {$5.00}. Bank of America required this step in spite of my having gathered the name of everyone I dealt with at both XXXX and XXXX.
Product: Debt collection

On XX/XX/year>, I received an alert on my phone about a collection being added to my consumer report by a company named XXXX XXXX XXXX for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and XXXX XXXX XXXX to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named NATIONAL RECOVERY AGENCY, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for XXXX  years on my consumer report during this time and yet they still have not removed the collection.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, Ocwen continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on Ocwen 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from Ocwen in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite, using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenses to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX