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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX Account XXXX # XXXX, Account name XXXX XXXX # XXXX,, has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.
Product: Credit card or prepaid card

My wallet was stolen on Saturday XXXX XXXX. I contacted American Express Bluebird immediately. My card was closed but not before someone took {$230.00} out of my account in two transactions. AEB said I couldnt file claim until they posted. I called back on XXXX XXXX once transactions posted and filed a claim. They then sent me an affidavit which I filled out and sent back on XXXX XXXX. I was told Id have to wait 10 days. I waited and received an email stating they thought transaction was authorized. I called again on XXXX XXXX and they told me there was nothing I could do. They were not going to help any further and there was no one I could speak to in order to escalate my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX Bank ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX   XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

XXXX must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and XXXX both report the last update as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This slight difference XXXX not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while Equifax and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o Equifax : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and XXXX both show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the Equifax and XXXX reports. 
XXXX CREDIT LIMIT : for Equifax XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how XXXX should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I had a XXXX  XXXX XXXX so I was in the hospital for a week then went through XXXX  etc. Then the hospital bills came, I had to fight every step of the way to get my insurance to pay. I resubmitted everything probably 3x and was left with a bill of {$15000.00} that I paid. But there was a seperate bill from the XXXX  dept that was missed {$1500.00}. I made a {$250.00} payment on this on XX/XX/XXXX and was looking to pay off in a couple weeks. Then the corona virus hit and XXXX XXXX was shut down like all other businesses in the state. We were able to do take out so I called Commercial Acceptance to pay the balance of {$1200.00} and gave XXXX XXXX ( scammer ) there account # XXXX. She said that I owed {$1600.00} now that more stuff was added on my bill. It didn't make sense cause the put it on my credit report as {$1200.00} that brought my score to XXXX from a XXXX. XXXX XXXX ( probably not her name ) said it would be taken off my credit report if I paid on XX/XX/XXXX! It was never taken off so I missed out on getting the loan we needed to get outside seating for the bar requirement. On XX/XX/XXXX I receive a letter from XXXX XXXX  for Final Notice for another {$1200.00}! I called they didn't know what happened called me back a hour later and said I still owed this the {$1600.00} Went to a hospital bill that was settled in XXXX and was already removed from my credit reports over 4 years ago. She lied and scammed me out of this money and delayed our timeline on construction that is a estimated loss of {$45000.00} cause my credit report was not fixed. So they bullied me into paying another {$1200.00} on XX/XX/XXXX. I recorded all phone calls and have all canceled checks. I called XXXX Hospital today and they said I was at a {$0.00} Balance for XXXX XXXX XXXX so the {$1600.00} was just pocketed by Commercial Acceptance. This debt was paid in full when I called XXXX hospital they said XXXX was at a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries Under USC Codes Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report that did not result in a credit account, as allowed under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. Upon reviewing my credit report, I identified several inquiries that I did not authorize, or that did not result in a credit transaction, in violation of my consumer rights. 

Under 15 U.S.C. 1681b, credit reporting agencies may only furnish consumer reports under specific permissible purposes. A hard inquiry must be conducted with my explicit authorization and should be related to a legitimate credit transaction. If no account was opened as a result of these inquiries, they may not meet the permissible purpose requirements under the FCRA.

Additionally, per 15 U.S.C. 1681i, I am exercising my right to dispute these inquiries and request their removal unless verifiable proof of my authorization and a permissible purpose is provided. Please provide documentation showing that I explicitly authorized each inquiry. If such proof can not be provided, I demand immediate removal of the following unauthorized inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Credit card with XXXX repaymentterms. This inquiryis scheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX  Inquired on XX/XX/XXXX XXXX DETROITMI, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX DETROITMI, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX loan. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX Auto loan. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX & XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX Unspecifi ed. Thisinquiry isscheduled to Failure to comply with this request may constitute a violation of federal law, and I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal action if necessary.

Please complete this investigation and provide a written response within the legally mandated 30-day timeframe per the FCRA. You may send your response to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX
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 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

My previous name was XXXX XXXX. Legal name is now XXXX XXXX. 

Was called by XXXX and told someone was trying to open a XXXX credit card in my ( XXXX XXXX ) I denied I was opening the card and application was cancelled. 

Target reps suggested I submit this fraud to identifytheft.gov Which redirected me to this site. 

Please let me know who else I need to report this info to.
Product: Student loan

My loan payment plan was recently converted from REPAYE to SAVE, but the loan servicer ( MOHELA ) incorrectly calculated my payment. The resulting new payment is approximately {$1000.00} more a month than my prior payment and does not accurately reflect my AGI, family size, and my spouse 's loans in repayment. This is demonstrated by the attached results of the loan simulator. All guidance released by the federal government and available on studentaid.gov indicates that no one is required to recertify their income earlier than XXXX months after repayment pause ends, but MOHELA refuses to correct the payment amount unless I recertify now, XXXX months prior to the deadline. I contacted MOHELA on XX/XX/23 and XX/XX/23 and was XXXX  told they could not correct my payment amount without recertification, despite the payment amount being egregiously high due to their error. When I called to request a review and correction of the payment amount, they refused to provide any information regarding how the payment amount was calculated and refused to further escalate my case to a manager. They also have not provided a billing statement, XXXX  days prior to the payment due date.
Product: Debt collection

A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.
Product: Credit card or prepaid card

I purchased a product online from the company XXXX, which was cheap but came with a $ XXXX subscription for coaching, starting in 7 days. I didn't want that so I called their customer service next day to cancel it - and found it was impossible to get through. Because of that I went online to see what was said about this company, and found that their reputation was terrible. 

For this reason I sent the product back immediately. I had paid by credit card, with Citibank. I placed a lock on the card right away, and got notification from Citi that the lock was placed on XXXX XXXX. Citi reversed the charge I had made for purchasing the product, and the lock was on the card before the 7-day period was up, which would be XXXX XXXX, so I thought the matter was resolved. 

However, Citibank put through the {$77.00} charge on XXXX XXXX! I asked that the charge be reversed ; Citibank replied with a letter from the merchant demanding that the charge be reinstated and therefore not reversing the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX ( Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Financing ) Twice this one is reporting on my credit. 

XXXX XXXX XXXX Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

This was included on my bankruptcy and they will not take this off my credit report.
Product: Debt collection

My last complaint with this resource was in XXXX was with the same utility company different collection company, different amount. Please refer to documents included in my last complaint. I contacted the collection company and tried to explain and they treated me with the same disdain and contempt as the last company you were able to assist me with. The current collection company is IC systems in MN. I have not lived in XXXX since XXXX. I have not owned real estate in XXXX since XXXX. The rental property for the electric bill in question conveyed in XXXX  public records in XXXX to a bank through foreclosure. I have lived in XXXX for XXXX  years and before that i lived in XXXX for XXXX years. I have disputed this account with the credit report company as well. I am currently selling my house and applying for a mortgage and this has impacted my score by XXXX points. XXXX down to XXXX. The implications here have real dollar impact on qualifying rates in an already difficult rate environment. Thank you for your timely attention and assistance with this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.
Product: Checking or savings account

On XX/XX/year>, I Received an email from capital one bank informing me that they are canceling their business relationship with me on XX/XX/year>. They gave me no reason to why they are ending our business relationship. Ive been banking with capital one for over 6 years, so this decision baffled me. What makes my situation even worse is I get direct deposit from my job XXXX. My {$2500.00} check deposited into my account on the XX/XX/year>, one day after this decision by the bank was made. They told me even though that money has nothing to do with their investigation they can not release my hard earned money to me. They said they do not know when they will make a decision. This is very unacceptable! 
I have so many bills I have to pay, I am currently behind on my bills due to me not being able to access my funds thats in the account. They didnt give me a warning ahead of time about closing my account on XX/XX/year>. Actually I received a email on XX/XX/year> stating that theyre restricting my account the same exact day. That gave me no room to be able to stop my deposit from entering my account. On the email they stated that A check will be mailed to me within XXXX business days. As far as right now it doesnt seem like they are planning on doing that. I called them this morning XX/XX/year>, I was informed that no decision was made yet. Which means I will not be receiving a check in the mail within XXXX days like they stated. At this point I am very frustrated due to not having access to my funds and not being able to pay my Rent, Car Note, Car Insurance and credit card bills. Ive tried to be patient and try to communicate with them as much as possible to resolve this issue but they are not giving me any information everytime I speak to a representative. At this point I dont know what to do. Im here for help. Thank you.
Product: Money transfer, virtual currency, or money service

I was trying to buy clothes from a seller through XXXX and asked if I had XXXX to contact her on. The cost of my sell would be {$60.00}. She/he said there would be a delivery fee of {$40.00}. I zelled she/he through my banking app through zelle. They havent given my {$100.00} back after I was requesting for it last night and this morning.
Product: Credit card or prepaid card

I was trying to add new information for complaint XXXX under the CFPB that I summited last night. I just spoke with a supervisor from USBANK on XX/XX/2022. Her name is XXXX XXXX and she refused to give me her last name. XXXX XXXX just stated to me that I was sent a letter suggesting me that I should talk to a third party lawyer and get a letter. She suggested that USBANK sent me a letter with a given deadline, but latter stated that in fact I never received such letter because the bank never sent that to me. When I asked her why the bank didn't provided me with appeal rights and a deadline, she stated that " we didn't though that you were going to win the dispute with XXXX because you only had like one day to dispute and therefore we never send your appeals right info. She could never explain why nobody ever called me from the dispute department and told me I only had one day and that I was wasting my time and money by speaking with lawyers. I called the bank multiple times and ask to speak with dispute and fraud reps and after been told they were calling me back, they never did. Is clear that the merchant violated my rights by not even providing my appeal rights and handling my case poorly. I want your office to do something about the bank violating my rights and making me waste time and money talking to lawyers when they knew they were not going to be able to help me, but never said anything to me. It seems that USBANK didn't know how to handle my case properly and violated my rights. I was given the wrong information multiple times on a recorded line about my timeline for the dispute and now my rights had been violated again by not providing my appeal rights and the staff constantly giving me the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : My name is XXXX XXXX i am the only witness in connection with the consumer report in question. 

I am aware and have knowledge of THEWORKNUMBER.COM has used my report improperly by allowing companies to view my report without first having my express written consent. these actions have caused harm and continues to cause harm into the future. these actions are affecting my personal family and household and continue to affect my personal family and household. 

further, these actions have violated the FCRA and as long as this behavior persist, THEWORKNUMBER.COM will continue to violate the FCRA.