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

LexisNexis did not receive my written consent to collect or share my nonpublic information and consumer transactions and experiences. LexisNexis continues to violate my federally protected consumer right to privacy. Please see attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of this dispute, particularly in light of the recent CFPD lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financially intuition, and Zelle failed to investigate my claims adequately, they informed me that recovery and loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBS findings the Zelle indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lacks of accountability and raises serious concerns about the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized credit inquiries reflected on my report and they are without a valid need : XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They lowered my credit score most likely and led to financial damage when I applied for credit so I'd like to be fairly compensated.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Gurstel Law Firms violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Gurstel Law Firm disclosed my personal financial information to a third party whom I did not authorize to act on my behalf. Their failure to contact me directly before filing a lawsuit has caused unnecessary distress and confusion. 

Summary of Events XXXX. Initial Debt Information The original debt was with XXXX XXXX. I was unaware that this debt had been transferred to Gurstel Law Firm for collection. 
XXXX. Unauthorized Disclosure of Financial Information Without my knowledge or consent, Gurstel Law Firm disclosed my personal financial details to a third-party debt collection company that I had no relationship with and never authorized to act on my behalf. 
Gurstel failed to verify the legitimacy of this third party before sharing my private financial information. 
XXXX. Lack of XXXX XXXX Gurstel Law Firm never contacted me directly regarding this debt. The first notice I received was a summons served at my home, notifying me of a pending lawsuit. 
This was the first time I became aware of any collection attempt by Gurstel Law Firm, as they relied solely on communications with the unauthorized third party. 
XXXX. Failure to XXXX FDCPA XXXX XXXX the FDCPA, debt XXXX are required to make direct contact with the debtor and provide a written notice of the debt within XXXX days of their initial communication. Gurstel Law Firm failed to provide this required notice. 

Impact on Me As a result of Gurstel Law Firms actions : I was unaware of the lawsuit until I was served a court summons, causing considerable stress and confusion. 
I have spent significant time and resources attempting to address this issue. 
The unauthorized disclosure of my financial information has caused me great concern regarding my privacy and financial security. 
My XXXX XXXX has suffered significant harm, which I now realize was due to this unresolved debt being improperly reported. This has created ongoing financial challenges.
Product: Credit reporting or other personal consumer reports

These people took my credit down XXXX points and claimed that I had a payment that was more than 30 days late which is a lie. I have proof and bank statements from my bank that I paid two times in XXXX and the account is fully paid off. I did a dispute and nothing changed! And Ill provide the proof of my bank statements under firefighters credit union. This happened beginning of 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C. 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Webster Bank has an online " Bill Pay '' service that I use. They sent a vendor that I pay bi-monthly double payments instead of just the 1 payment I requested be sent. They did this multiple times even though I went online and checked to see that I had not accidentally submitted the payment twice... I had not. When I called to inquire about the double payments, I was told nothing could be done. I was informed that I could not speak to a manager because no one was available. I asked to have a manager call me back and I was told they do not make call backs. The representatives said that he would submit a claim as a solution. He could not verify that the double payments would not continue to happen nor provide a solution to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ID theft and this account that is on my report does not belong to me. I have sent numerous letters to the collection agency and to XXXX and neither one of them have removed the account. 
I have a fraud affidavit that I have sent them.
Product: Credit reporting or other personal consumer reports

I find myself once again addressing a concern with XXXX, Equifax, and XXXX Credit Bureaus. It has come to my attention that these credit bureaus have yet to make certain updates to my credit reports. As a result, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) to swiftly resolve this matter by completely removing the fraudulent inquiries. Below is a list of the outstanding inquiries that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money.
Product: Credit card

Capitol One wasnt giving me credit for my on time payments and properly transferring funds on time causing my credit unions to charge me over draft fees which lowered my credit score.Also I paid off a previous card balance and they restricted the account after I paid the balance in full.My score dropped over XXXX because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i had XXXX late payment due to a medical emergency, in which my husband had an injury that caused his left leg to be amputated that i want to provide documentation from the hospital to FORTIVA explain. I was reported to XXXX, XXXX and XXXX for the late payment. I called on XX/XX/XXXX and spoke to a representative to have my account reviewed and to see my otherwise excellent pay history and to get a goodwill removal of the late payment reporting. I was given a {$36.00} late payment fee credit, but that is not what i needed. 

On XX/XX/XXXX i was transferred to a supervisor named XXXX, who stated that there was no one higher up in the company that could help me. I asked if i could send him medical information and my sincerest apology but he refused. He stated that it is their policy to never remove credit reporting. I asked if he could send me that policy information in writing and he said he could not. He told me to review the credit agreement. I did review the credit agreement and it contradicts what he told me. They do not report late payments 100 % of the time nor do they say reporting can not be reversed. I never signed anything according to what he says their policy is on reporting. He then said, that is their policy and that he is releasing the call and hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} and US BKPT CT XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : $ XXXX XXXX Bankruptcy.
Product: Debt collection

Subject : Dispute of Unauthorized Collection Activity on My Account Dear CBPF Collections Department, I am writing to formally dispute the collection activity on my account regarding an alleged credit card debt of {$670.00}, which I categorically deny owing. I have never owned or used a credit card the above creditor as original creditor.This is false, fraud and deception.I have not obtained credit card from this company.

I kindly request that you cease all collection activities and provide verifiable proof of the alleged debt, including any signed agreements or documented transactions that link this debt to me. Failure to provide sufficient evidence will result in further action to protect my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Please acknowledge this dispute in writing and confirm the removal of this erroneous collection from my records.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF PROTECTION AND RIGHTS, THE XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.
Product: Money transfer, virtual currency, or money service

I was contacted on XX/XX/2021, by someone calling from XXXX stating that they were a representative from XXXX XXXX  which is my electric provider stating that I was on a disconnect list for that day for my power to be cut off.. I advised them that my payments were up to date and he stated that there was a system error causing a glitch in their system that why they were reaching out to customers and to avoid having the electricity turned off I would need to make a payment to be taken off the list and I agreed to make a {$250.00} payment to keep my lights on and was advised that I could pay thru Zelle but before the payment could be made the call dropped but was called back from XXXX. He walked me thru the process of using Zelle through my online Banking for Bill Pay with Zelle and provide XXXX ) XXXX then stated that the first payment did not go thru and try again if he sees to request he would decline one of them after about 15 minutes I retried then I saw the first payment go thru but it was too late and he stated that he would cancel the second one but never did that when I got suspicious and I contacted my electric provider and my account was in good standing. Then I reached out to my bank to see if I could put a hold on the payment. I contacted my electric provider. Transaction numberXXXX and Transaction numberXXXX
Product: Debt collection

XXXX XXXX deliquent account via fraudulent mail theft unable to log in to monitor account. XXXX XXXX closed my account due to inactivity but no credit card was ever received and they never sent one. Now i get calls from XXXX  XXXX XXXX XXXX ) and I have told them 2 times before to NOT call work as I am unable to receive personal calls. Today I received yet another call at XXXX XXXX from ext XXXX and I state yet again they are not to call my work. At this point I would like to file a complaint against XXXX XXXX. They ignore my rights to not call my work and get me in trouble. They state they just received my account which is also a lie. Untrustworthy company who make lies and I can not believe what they say to be true.
Product: Credit reporting or other personal consumer reports

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( Equifax, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Product: Credit card or prepaid card

The credit card was charged additional fees after being paid off. Ive called several time to receive an explanation for the XXXX plus charge. I havent been able to receive any answers
Product: Money transfer, virtual currency, or money service

I was sent a XXXX transfer from an individual on XX/XX/XXXX, the sender was debited, and the bank sent me an email confirming that this amount was sent to me, but it was never credited to my Capital One account. Since then, I have called almost daily with no promised solution to the problem. From my banking application, it displays as " received '', but I was not credited. Being a student has caused me a lot of emotional trauma as I've had to go borrowing, and there is no empathy from the bank and no resolution timeline or possibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This debt has been classified as a charge-off ; however, it should actually be considered income, as I should have received a Form 1099-C to properly account for it. This is not a charge-off, and I am requesting its removal from my credit report, as it does not represent an outstanding debt. Since it is classified as income, it should not appear on my credit report.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to officially express my concerns with Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated 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: Debt collection

On XX/XX/2023, a settlement was made and collected on behalf of XXXX in agreement & order to update my account as Paid/Closed/Never Late for all 3 Credit Bureaus on good will and never missing a payment. Payment has been made and account is still reporting as a charge off/derogatory remark. Payment that was previously made to XXXX was automated and wasnt made aware of balance. Payment info : # XXXX for a total of {$160.00}
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and an account as a result of identity theft. I have unauthorized inquiries from XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, and also XXXXXXXX XXXX XXXX on XX/XX/XXXX On My XXXX Consumer report that I would like removed. I also have an account from XXXX XXXXXXXX XXXX that should not be on my consumer report also. I have disputed these issues with XXXX XXXX and Equifax and they did not remove this account and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid {$1000.00} to Top Flight Assistance for credit repair services. After months of no contact, the company is now unreachable by phone or email, and I have not received any of the agreed upon services as stated in service agreement contract. I have made several failed attempts at messages thru the companys app based client portal, which Ive since been locked out of, and attempted calls and texts to members of the staff who originally were tasked to handle my account.