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

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns pertaining Zelles handling of disputes, related to the light of the recent CFPB lawsuit highlighting important issues with this platform. Despite using Zelle on multiple occasions and reporting the discrepancies, my financial institutions and Zelle failed to investigate my claims in the appropriate manner. They informed me that recovering these funds were impossible and tracking these funds were unfeasible. The CFPBs findings suggest that Zelle has not only neglected to protect their users but also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. During my time of using Zelle since XXXX I have not received over {$400.00} in funds, sent {$300.00} that were not received by the recipients in an adequate time, and reported {$780.00} to fraud users to buy goods up until the year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with a debt collector, Radius Global Solutions, regarding incorrect information that was reported to the credit bureaus. I received confirmation on XX/XX/XXXX that Radius Global was in receipt of notice to delete collection due to a mistake made by the original creditor XXXX. 

I am in a dyer financial situation from the pandemic and am in need of financial assistance via bank loan which I would be able to receive but for the 200 point drop on my credit report resulting in what Radius has confirmed verbally is knowingly incorrect however they are unwilling to provide a letter stating same so I can expedite the correction of this slanderous reporting of which Radius has agreed should be corrected. 

I have been in daily communication with the below Department Supervisor only to be led along with delay tactics to correct this wrongful reporting : XXXX XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Direct ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX Email chain attached.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX  Account XXXX due to destroys to someone else Experience denied a follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against a company Experican they alleged the company of accepting unreliable information failure to notify the customers dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information. I'm requesting this derogatory remark he removed or corrected immediately as it is affecting my chance of getting the house a car experience violated my rights as a customer as well as a federal law.
Product: Credit card

Made a large payment to my XXXX $ limit, they decided to lower my limit just days later, leaving me maxed out on the account.
Product: Checking or savings account

My PayPal account listed under my email address XXXX received three deposits from mine and my fiancs Federal XXXX on XX/XX/XXXX which put my credit balance at {$2700.00}. I was told by PayPal that they would hold my money for 180 days to make sure the deposits were legitimate! They were supposed to email me after the 180 day hold to advise me that my money was available, but never did. I attempted to transfer the funds to another bank account since XX/XX/XXXX only to learn through a call to their customer service that they had to investigate where the funds came from! I told them it has been over eight months that they have held my money and I wanted it! They then put a freeze on my account and refuse to give me my money. The money is obviously legitimate as they have sat in my account for over eight months and no one has tried to reverse the deposit! I want my money plus interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I thought this was a scam for years. They contacted me back in XXXX claiming I owed hospital bills, which was extremely alarming since I have had health insurance my entire life ( tricare ) and the hospital they provided has all of my information. Ive never had any issues with payment to the hospital they claimed to be taking money from. The harasser calling me claimed to not have my insurance information although I provided it to the hospital and the hospital did charge my insurance for those dates. The harasser never provided anything in writing about the money they claim I owe and they've been calling for years using curse words, yelling through the phone every time I ask them to provide me something in writing that I owe anything because Ive never even heard of this company. I have never opened a line of credit with this company, Ive never signed anything issued from this company, and I dont owe this company anything. Today, I received a collection on my credit for this company and its completely fraudulent, they shouldnt be able to do this to good tax paying Americans. I still have not received anything in writing from this company proving I owe a debt, the first conversation I told them I have health insurance and the hospital already processed this but they still keep harassing me and now theyve fraudulently put this collection on my credit.
Product: Credit reporting or other personal consumer reports

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please refer to attached documentation for details of inaccuracies reporting by Chexsystem and closed bank XXXX.
Product: Credit reporting or other personal consumer reports

Once again after months of battling this fraud, I'm addressing Trans Union is reporting fraud accounts on my credit report. Trans Union continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Trans Union investigated with the companies reporting fraud & say it's verified but shows no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Tran Union refuses to provide support. Trans Union is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Trans Union doesn't stop breaking the law. These accounts are FRAUDULENT!! XX/XX/XXXX XXXX acct # XXXX {$2200.00} &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Trans Union nor these companies have supplied me physical lawful proof in the 30 day time frame & now 5-6 months has passed & this is way passed the legal time, therefore Tran Union must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to theXX/XX/XXXXXX/XX/XXXXI HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Trans Union has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!
Product: Credit card or prepaid card

Hello, Please see info below regarding the dispute and info i have sent to Citi bank dispute department. But they are saying I need to get in writing from the second dealer who fixed the issue that what the first dealer did was incomplete or wrong. I checked with the second dealer and they said, we have given you all the info you need for this case. It is very logical to understand as our receipt date is after the first, the issue is the same ( meaning it was not resolved by the first dealer ), the parts replaced were different, and what was replaced by first did not resolve the issue. 

Here is the chronology of what happened. 
1. On XX/XX/XXXX, I took my daughters XXXX XXXX XXXX car that showed 'Check Engine Light ' indicator to my nearest XXXX XXXX XXXX. 
2. They ran the tests and told me PCV valve needs to be replaced. I authorized the repair 3. When i got the car back, as they drove it to me, they told me oh the engine light came back on so we need to inspect this further. At this point i had already paid ( {$400.00} ) and was ready to receive the vehicle. They told me to bring the car back in next day for re-inspection. 
4. My daughter took the car in next day ( XX/XX/XXXX ) and on the phone the service adviser ( XXXX XXXXn ) told me that another part needs to be replaced and it will cost me another {$300.00}. I talked with her extensively that how will i know if the first part that was replaced was even necessary when it didn't fix the issue. She said unfortunately this is how it goes and nothing can be done. I asked her about warranty and she said none of these parts are under warranty. At this point i had very low confidence in this dealership and i wanted to take to another dealership. 
5. On XX/XX/XXXX, the car was taken to XXXX XXXX. They inspected the vehicle and said, there is a service advisory on this engine light issue and it will be fixed free of cost. 

I am attaching the receipt and details form XXXX XXXX who fixed the issue for me. 
If you check the service Bulletin, replace PCV valve was only for models XX/XX/XXXX and XX/XX/XXXX. My car is a XX/XX/XXXXmodel and the action suggestion for that is to clean the throttle valve and chamber. 
This proves that wrong part was replaced for my car for which i was charged the {$400.00}. They were trying to get another {$300.00} out of me to replace another part where as XXXX XXXX dealer did all the work free of charge cause it was a known issue with these models. 

The dealer is not willing to work with me on this as i have tried on XX/XX/XXXX. I am relying on Citibank to help me dispute this charge. I have attached all the documents to support my case. 

1. Receipt from XXXX XXXX 2. Service Bulletin
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Product: Credit reporting or other personal consumer reports

On my credit report there are incorrect phone numbers that doesn't belong to me and these phone numbers are : a ) XXXX b ) XXXX None of these numbers belong to me and I never used these numbers at any particular time.
Product: Credit reporting or other personal consumer reports

2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating.

Consumer Statements 0 Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry XXXX XXXXEQUIFAX XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

I was looking at my Fortiva account available balance and noticed it was {$0.00}. I started to look at my previous statements and starting XX/XX/2021, my available balance was {$0.00}. Every month I have been charged a {$12.00} maintenance fee, that shows up on my transaction page. Every month I have paid the fee. I texted the company through their app to ask why my available balance is {$0.00} and they told me my account has been suspended. Once I got that text, I immediately called the company. I asked why was my available balance {$0.00} and why was my account suspended and they told me it was because I had not made a transaction in a year. Every month, there is a {$12.00} maintenance fee and then my payment of XXXX that shows up on my transaction page. If my account is/was suspended why am I being charged a maintenance fee, and if it is not considered a transaction, why is it showing up on my transaction history? When I asked the company these questions they just kept insisting that the maintenance fee was separate from transactions, but despite what they say those transactions show up as transactions and are noted as such. I asked to be refunded of my {$12.00} that I have paid since XXXX and they said that was not possible. I was never told my account was suspended until I called. There were no texts, no in app notifications and no mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. Mohela/ DEPT Of ED Account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXXXXXX XXXX Account XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 . XXXX XXXX   XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10.XXXXXXXX XXXX  XX/XX/XXXX 11. XXXX XXXXXXXX XXXXXXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX   XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 26. XXXX   XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX   XXXX XX/XX/XXXX 29. XXXX XXXX XXXX  XX/XX/XXXX 30XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX   XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX. XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXXXXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 43XXXX XXXXXXXX XXXX   XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX   XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX   XX/XX/XXXX 50. XXXX XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have used a service called XXXX for months. It allows be to be able to borrow against myself for the day ( s ) that I work before I get my paycheck. PNC has had its own separate issues that security breaches, but that should not impose on my decision to sign up for a service that has essentially aided me in being able to take care of emergency services when I low on cash. I should be able to link my personal credentials confidently and securely on my own terms. So long as I can verify my account information and so on. Im considering leaving PNC Bank because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

5/3 Secured Credit card complaint -Contacted bank on this date for refund process : -Contacted bank for a follow up after XXXX business days : -Bank Canceled my check after stating that I would like to just wait rather then canceling, getting a call back from supervisors supervisor. XXXX said on pre recorded line that it wont be canceled. 

-Followed up next business day to find out that the check was indeed canceled so talked to another supervisor about the situation, and they issued me another check When I called back on Saturday XX/XX/XXXX almost a month after issue date, They asked about my zip code and realized I moved. So this entire time I figured they knew I did when pulling up my account but they realize at the fourth refund check they have been confirming the incorrect zip so identity theft could have occurred. On Saturday they issued me another check. 

Today after I cashed a check for cash from work I followed up on the case and the lady said that the check was not even issued Saturday XX/XX/XXXX so XXXX XXXX on the phone trying go get this check issued the XXXX time. I asked on the phone what date on business day would be the latest the check should arrive. He will be escalating me to supervisors voicemail as well so he is inform I have been in contact with the CFPB. 
I would like the following :