23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I have a chime account that I use as my regular bank and I continue to get unauthorized transactions on my debit cards, I continue to dispute these different transactions but they continue to happen, the most recent transactions are from XXXX XXXX, I don't use XXXX XXXX, I did lose my XXXX and that's when I started to see the charges, I'm a XXXX XXXX  and I need my funds back into my chime account to live off of for the next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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.
Product: Credit card

i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.
Product: Mortgage

Dear XXXX, We want to know how the Bank of America allowed the XXXX XXXX XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/2017 given that the Bank of America had first lien position on the property. 

According to the XXXX XXXX XXXX of Deeds, the XXXX  XXXX XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife XXXX XXXX XXXX XXXX were given at closing on XX/XX/2017. 

We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. 

Thank you, XXXX XXXX, XXXX XXXX
Product: Credit card

I received notification from the credit reporting agencies about an inquiry on my credit around XX/XX/XXXX XXXX that credit was denied via JPMCB. I contacted JPMCB on XX/XX/23 at XXXX XXXX and spoke to representative concerning the fact that I never applied for any credit with them. The representative stated that the credit bureau will contact me and to give the hard inquiry 30-60 days to be removed. On XX/XX/2023 at XXXX XXXX I spoke to another JPMCB representative who stated for me to wait another 30 days for the hard inquiry to be removed. On XX/XX/2023 at XXXX XXXX I contacted JPMCB and spoke to representative by the name of XXXX who gave me the following phone number to contact the fraud department ( XXXX ). I contacted that number and spoke with XXXX who transferred me to the Fraud department where I began speaking with XXXX. I explained to XXXX that I did not apply for a credit card through their company and that later in the week while at my dentist office I applied for XXXX XXXX but not JPMCB. She proceeded to look up the information concerning the requested for a credit card but could only locate the information using I believe it was only my name not my SS number. She seemed hesitant and I ask how would they know if it was me because I would like know what type of identification information that they received to state it was me. She could not answer. I told that It was unfair practice for their company to assume that what little information was provided was from me. She stated that she will send request to the credit bureaus to remove the hard inquiry and in the mean time she stated they would send a letter to me as well as she directed me to their website to download their ID kit at chase.com. But the inquiry is still sitting on my report and seeing that someone tried to use what information they had on me and commit identity theft has left my credit report in limbo with something I did not request.
Product: Checking or savings account

On XX/XX/2022 an electronic draft request was issued by XXXX XXXX XXXX on my behalf for our car insurance premium in the amount of {$220.00} to USAA. On XX/XX/2022 USAA refused this charge despite having a sufficient balance in the account. My insurance company cnacelled the policy and refused to cover damage dpne to the car after the policy was cancelled. I now have a significant amount of damge on both vehicles and because of this, i can not have the car insured at all. This leaves me vulnerable to legal and financial action against me if I drive my vehicle without coverage. I have tried to work with the bank to get the damages covered. They refuse to give me contact with anyone other than the resolutions department and refused to provide me with any proof that there were insufficient funds at the time of the attempted withdrawal. I am now forced to seek legal representation at my cost to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter from XXXX XXXX of XX/XX/18 states, " We did not approve your request '' for a credit card. " Based on information from.. .Equifax . '' I'd send a copy of XXXX 's letter, but I don't know how to send a copy of this letter in an email, since it is a hard copy letter, not an emailed one. 

I tried to contact Equifax automatic phone request line, had difficulty navigating their machine, telephoned & spoke to a real person who said he himself couldn't send my credit report, tried online & almost received my copy but the Equifax system said it wasn't working at the moment, and I should try again some other day. 

I tried to request a copy of my credit report again through their phone request line, and was told there would be a charge since I'd already requested my file recently. ( The file they couldn't send me because things weren't working on their end. )
Product: Credit reporting or other personal consumer reports

I have a closed account from XXXX  XXXX XXXX and trans union are refusing to update and correct
Product: Checking or savings account

I am submitting this complaint regarding Chimes recent decision to vlose my Chime Checking Account and XXXX XXXX without providing a valid reason or specific details. Chimes response was as follows : Your account has been closed. If you think this was a mistake, please contact member services at ( XXXX ) XXXX immediately Despite my inquiries, Chime has not provided any specific information or explanation regarding the decision. I am concerned that this lack of transparency may reflect improper handling of my personal information or a potentially erroneous assessment that adversely impacts my ability to maintain an account with Chime. 

Given these circumstances, I kindly request the following : Clarification of the Reason for Closure : I am seeking a more detailed explanation as to why my account was closed. 

Review of Adverse Action Notification Requirements : If Chimes decision was based on information from a consumer reporting agency or another entity, I request that Chime provide an adverse action notice and specify the source of the information used. 

Thank you for your attention to this issue. I look forward to your assistance in obtaining the necessary information and addressing my concerns with Chimes handling of my account application.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
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 have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders 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

In accordance with the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is currently reporting " late payment '' status ' for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, and XXXX. This reporting is adversely affecting my livelihood, reputation, and creditworthiness. Ally Financial is in violation of : * The Heros Act ( Section110401 ) Negative Consumer credit reporting during the COVID-19 pandemic plus an additional 120 days to ensure innocent consumers effected by the significant economic harm of the COVID-19 Pandemic are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce credit scores. 

*15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions ; transactions or experiences between the consumer and the person making the report are to be excluded from the consumer report whether or not they factually took place *15 USC 1666b ( a ) Timing of payments ; payments may not be treated as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL ACCOUNT NUMBER XXXX I was hospitalized due to covid on XXXX XXXX. 
on XX/XX/2021 i called Gm financial to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report
Product: Credit card

I stayed at a hotel and they charged me an extra {$200.00} fraudulently claiming damage. There wasn't any incidental charge possible I only let them charge me for the two nights stay on this credit card, chime credit builder. The first night at this hotel, I used a different card for a different bank and it included a refundable {$100.00} for incidentals that was supposed to be refunded to that XXXX account. 

They told me it would be refunded the same day when I checked out. 

I disputed the {$200.00} charge from XXXX XXXX XXXX in XXXX PA to Chime, but it was denied. 

I also will file a separate complaint because my dispute with XXXX was denied as well they refused to refund the {$100.00} incidental charge.
Product: Credit reporting or other personal consumer reports

Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was compromised in the XXXX data breach and the following unauthorized accounts and inquiries are reporting negatively impacting my creditworthiness. I mailed a dispute letter XX/XX/XXXX and I will attach it for your reference. It is dated and time stamped. My data breach claim id is XXXX. Please see attached FTC report. Please remove the following from my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION, XXXX XX/XX/XXXX TRANSUNION, XXXX XX/XX/XXXX TRANSUNION
Product: Debt collection

I have reached out to Fed Loan Servicing and requested information in which I have yet to receive a response. Fed Loan Servicing is in violation of my rights as a federally protected consumer.
Product: Credit card

I have two accounts that are being serviced by the Credit Protection Plan Administrator at XXXX XXXX XXXX for my Milestone card and Destiny card. Each month I made payments to a feature that was to cover my payments in the event I become unemployed invoulintarly. I contacted the office and was assigned cases XXXX ( Destiny Card ) and XXXX ( Milestone Card ). I completed the application and was advised to send proof showing that I was involuntarily unemployed and all this information was sent. Then they advised me I needed to send in a copy of proof showing I registered for unemployment and if I was approved the amount. I completed the same process for each of these accounts and submitted the same exact information. The information was emailed to XXXX and I also uploaded the information via their website for each account. All of this was done well before each due date. They paid {$40.00} on each account for the first month and stopped making payments. My account has accessed late fees and the credit card companies have reported payments missed to the credit reporting agencies and my scores have dropped over XXXX points. I have called their office and requested a member of management several times and have been told the cases are escalated and someone will contact me directly. No one has contacted me via cell or email. I sent them a copy of the letter showing I applied for umemployment, the determination letter, and the application. All of this information was sent via email AND uploaded within their website. 

I have made payments to this feature to protect me and my credit, but his company has done the complete opposite. I will upload all documents sent to them.
Product: Credit reporting or other personal consumer reports

The company has my XXXX XXXX account which has a credit limit of {$200.00} listed under most recent section of the credit report but don't list my XXXX Account which has a credit limit of {$500.00} in that section. But then turn around and calculate it in Revolving Credit Limit and Balance section of {$700.00}.
Product: Credit reporting or other personal consumer reports

Good Day. I have a personal loan with upgrade. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account immediately.
Product: Credit card

I am a victim of identity theft, where my mother used my personal information to open an Apple Card in my name without my authorization. I have filed reports with the FTC and contacted both Apple and Goldman Sachs to resolve the issue, but neither company is taking responsibility. Apple refers me to Goldman Sachs, but I am unable to reach a representative because their automated system requires the phone number associated with the fraudulent account, which I do not have. This has left me in a frustrating loop, with neither company addressing the fraudulent account or assisting me in resolving the issue.
Product: Debt collection

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies.

To assist in your investigation, I am requesting the following : 1. A complete payment history, including all payments made, missed, and the corresponding dates.

2. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of ch

arge-off. 3. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within 30 days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the Gramm-Leach-Bliley Act, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Product: Money transfer, virtual currency, or money service

i was send monney they told me the number transfert is wrong i dont know what happened
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX are reporting XXXX XXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures.
Product: Credit reporting

EQUIFAX NEEDS TO UPDATE THEIR CREDIT REPORT TO SHOW THAT ACCOUNT XXXX XXXX XXXX HAS BEEN CLOSED. CAR WAS PAID OFF XX/XX/2015.