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

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

XXXX XXXX will cal repeatedly ( 6-7 times in less than 2 hours ) in attempts to collect a {$50.00} payment that is less than 2 days late. On XX/XX/2019 they called me 6 times between XXXX and XXXX XXXX from various phone numbers.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 there was a transaction made without my knowledge. Had to miss a day of work to go in and start a brand new account. Never found out who or what did this transaction.
Product: Vehicle loan or lease

Toyota violated the SCRA by repossessing vehicle that I entered into contract for prior to XXXX XXXX obligations. Under SCRA, court order is required prior to repossession- this didnt occur. Vehicle was impounded and Toyota utilized this opportunity to effectively repossess.
Product: Debt collection

Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company told me they deleted this account and they are still reporting it as collection to credit bureaus. Was told they reported to delete on XX/XX/XXXX and it still is showing on my XXXX credit report. Needs to be updated via eoscar to credit bureaus
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 consumer rights 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 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states 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

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelle 's handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle had not only neglected to protect consumers but has 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

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accountXXXX XXXX XXXX XXXXXXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Prepaid card

I purchased ten {$1000.00} visa gift cards from XXXX XXXX. These visa gift cards are issued by XXXX XXXX  and managed by Incomm. XXXX XXXX, XXXX and Incomm have conspired to make these gift cards almost impossible to use. 

First, they do not let you register these gift cards to a name or address. As a result, the gift card is frequently declined when trying to use online because it can not be verified against a name or zipcode. I asked XXXX XXXX  about registering the card and they said it is not possible. XXXX sells gift cards that you can not register online. XXXX even has a website for " card registration '' where it says " Planning to use your XXXX XXXX for online purchases? '' Yet, the visa card I bought can not be registered for online purchases. The link to this site is at : XXXX XXXX XXXXXXXX XXXX, XXXX and Incomm know that by not allowing someone to register the card they are making it very difficult to use the card online. 

Second, I used to be able to pay my income tax and property tax bills with these cards. Federal income taxes and my town accept credit cards for paying tax bills. XXXX XXXX, XXXX and Incomm apparently no longer allow these visa gift cards to be used for tax payments. This is not advertised to buyers of these card and no where in the terms of conditions does it say you can not use these cards for taxes. I would not have purchased these cards if I was aware of these limitations. 

I would strongly urge the CFPB to look into these issues. XXXX, XXXX and Incomm have almost certainly placed such onerous restrictions on these cards to make them hard to use and to obtain breakage. These types of practices are terrible for consumers.
Product: Credit reporting

I had an insurance collections item which was in dispute with the insurance company. I had asked the insurance company to cancel my car insurance as premiums drastically increased after an accident and decided to go with another company. The insurance company informed me I had not gone through the proper channels to cancel and charged me for an extra month. The amount was in dispute and the insurance company sent it to the collections agency while in dispute. Because of the lengthy dispute process I decided to settle with the collections agency. Once the account was settled I requested the collections agency delete it from my report as the amount was in dispute which they agreed to. 

The collections agency informed Transunion to delete the entry. Transunion decided to reflect this as a closed credit account which dropped my credit score by XXXX points since I have credit monitoring I received the alert my score dropped XXXX points due to a closed account. 
I am not aware of any of my credit accounts being closed. Transunion have repeatedly offered me the explanation the closed account is due to a utility bill which also went into collections but has also been settled since XXXX or so. Please note this account shows a zero balance but is also entered ad a derogatory account on my credit report. Transunion want me to believe : They have recorded this account twice on my credit report as both derogatory and closed which count as XXXX separate accounts on my credit report. 
Transunion have also informed me even if the XXXX balance was settled in XXXX it has just had an effect on my credit score in XXXX. 

The credit report I downloaded online on XXXX XXXX and XXXX shows a drop in my credit score after the insurance item as deleted. Transunion have refused to follow up with the collections company to ensure they have recorded this entry properly. The credit union has also reached out to Transunion to advice it is not a closed credit account but the entry should be deleted completely from my account. This has been going on for almost a month now with numerous calls and emails to Transunion. 

I do not have a closed account which has resulted in my score dropping XXXX points. I do have XXXX derogatory account which is XXXX XXXX. I have reached my wits end and would appreciate if you can assist in getting this issue resolved.
Product: Credit card or prepaid card

when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one
Product: Checking or savings account

There was a XXXX XXXX  I bought a house and furniture anyway after that I had XXXX XXXX XXXX left and something I did put XXXX XXXX XXXX in a cd after shopping for some clothes and food I just was wanting someone to look at my account from before because something happened there was one time when I went in the bank and I was checking my account and I thought it's was worried because the boss of the bank was standing there and I had ask for my first print out when first got the account and told her to throw it away after looking at it and ask her to print another copy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XXXX XXXX XXXX I am writing to formally dispute inaccuracies in my credit report as provided by your agencies. My name is XXXX XXXX XXXX, and my Social Security number is XXXX. My report contains conflicting information regarding my auto loan accounts, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : XXXXXXXX XXXX XXXX Account Number : XXXX Status : Closed Balance : {$16000.00} Payment Status : Voluntarily surrendered, {$510.00} past due. 
XXXX XXXX XXXX XXXX Account Status : Open Balance : {$16000.00} Payment Status : In good standing, 100 % on-time payments. 
Inaccuracies Identified : The XXXX XXXX XXXX account is reported as closed and past due, while the XXXX XXXX XXXX XXXX  account states it is open and in good standing, despite being the same loan. This contradiction raises concerns about the accuracy and completeness of my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is troubling that two different companies are reporting the same account under different names, which causes confusion and potential harm to my credit profile.

Additionally, under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified by the consumer as resulting from alleged identity theft, not later than four business days after receipt. This account may be a result of identity theft, and I request that it be blocked accordingly. 
Violation of Rights : In accordance with the Fair Credit Reporting Act, these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Pursuant to 15 U.S. Code 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S. Code 1681 section 604 A Section 2, a consumer reporting agency can not furnish accounts without my written instructions. 


I request that you provide the original copy of the agreement and terms & conditions associated with this account. Failure to comply will result in the forfeiture of your claims and necessitate the deletion of the items listed above from my credit report. Additionally, you are required to block these transactions from being reported to my consumer report within 4 business days from the date of receipt of this notice. 
Failure to resolve these inaccuracies and comply with legal requirements will lead me to seek damages of {$1000.00} per account as provided by law. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have seen an unknown hard inquiries on my credit file first one is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have got my ssn on XX/XX/XXXX but i dont know how can i get hard inquiries without getting my ssn please check this and resolve my problem
Product: Bank account or service

PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX  The account labeled as XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$1300.00} The account labeled as XXXX XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I had received multiple alerts to my phone about suspicious transactions being made. I checked my email and saw that there was a charge for company catrying to be made to my personal account. I checked my bank account and saw no charges so I thought everything was fine. So I replied to the Capital one warning about fraud YES everything was okay. 

But then the next day I woke up to a total of {$3600.00} charged to my personal checking account. I attempted to call capital the same date to have them cancel the charges immediately. But instead they told me I would not be allowed to dispute anything until the charged fully posted. And that did not happen until XX/XX/XXXX. I immediately called back XX/XX/XXXX as soon as the charges were posted to explain to them that the charges were not authorized by me. And that there was no products sent my way regarding these XXXX transactions. 

I have already tried to call this company multiple times. Instead I get someone on the phone pretending not to know whats going on. I have emailed the company XXXX explaining them that I never made or received a purchase by them. Over the phone the man told me that the XXXX product was already used. And that a username and password was used. I explained to him that I never approved any transaction. That my bank should have rejected those charges. The person tells me theres nothing they can do to help me at this case. 

I wait a full week for my bank capital one to get back to me and all they say is that We finished researching your dispute ( XXXX ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 
You can still try to resolve this directly with the merchant ( XXXX ). 


For the love of God they put no effort into helping me with this issue. $ XXXX gone in minutes and they say everything was authorized. This company XXXX is international, capital one told me that they are located out in XXXX. Ive explained to capital one that I have no idea why my information was being charged multiple times on their website.
Product: Checking or savings account

On XX/XX/2021, I opened and funded a new TD Bank Beyond Checking account using a promotional offer that promised {$300.00} bonus. TD Bank refused to award me the bonus by claiming that I am not eligible since I received an account opening bonus 4 years ago. TD Bank did not mention previous receipt of a bonus as disqualifying condition in the bonus terms disclosed to me ( see the offer Terms attached ). 

I believe that TD Bank 's action regarding my bonus is clearly deceptive, and I kindly request that you investigate this bank for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).
Product: Credit reporting or other personal consumer reports

I submitted a complaint against TransUnion reporting wrong information on my report violating my fcra rights they took 45 days to investigate and said they would notify me as to the results within 7days after they completed their investigation im still waiting its been over 30 days no response no results they continue to report inaccurate information on my reports saying paytomorrow is late payment and 120days past due they show it as a auto lease and claim its verified as accurate for 9 months straight showing Im 120 days late after 180 company must charge off you cant be 120 days late for 9 months should be 280 days late the balance is also inaccurate they continue to say its verified but they are clearly lieing its incorrect inaccurate and violating my rights I demand this information be removed immediately see statement showing amounts are incorrect stop the lies TransUnion
Product: Credit reporting or other personal consumer reports

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. 

I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX : {$610.00} /Prev. late open XXXX  XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.