23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lakeview notified me they were transferring my mortgage to a subservicer of Lakeview effective the XXXX of XX/XX/2022. My Lakeview loan ( XXXX ) was reported to the credit reporting agency that I closed the loan. They created a new loan ( XXXX ) at XXXX XXXX the subservicer that has not been reported on my credit report yet. My credit is destroyed my credit score dropped XXXX points in XXXX and I am currently unable to get a loan because of this. XXXX XXXX is the only one that I have been able to contact and they are trying to tell me that this is how the process works. I did not close my loan and open a new one. Please let me know if this is how a transfer is suppose to be done and if they are allowed to trash your credit.
Product: Credit reporting

Again, as per complaints # XXXX, # XXXX and # XXXX Trans Union is not reporting proper scores even after 2 weeks : my score has increased only by XXXX points to XXXX as of XXXX/XXXX/2016 ( as opposed to the XXXX they sent to me 2 weeks ago ) even though nothing has changed with my credit accounts or credit utilization. Supporting documents attached.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX  are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Prepaid card

I have been trying for months to get this resolved in the right way. I have been a victim of a cyber crime l. My us bank XXXX was linked to a fraudulent XXXX XXXX account that I did not own. I have never owned a XXXX XXXX  account which I stated with us bank several times. I had almost 4 months of fraudulent XXXX XXXX transactions happen within out my knowledge or consent.Us bank never notified me of these fraudulent transactions made through my us bank XXXX. Around XX/XX/scrub>XXXX XXXX XXXX  which was a few months ago I notified XXXX XXXX  about this fraudulent XXXX XXXX  account linked to my us bank XXXX. I stated the problem I was going through with a fraudulent XXXX XXXX account linked to my debit. XXXX XXXX agreed to take my personal information to look up to see if I had a XXXX XXXX  account in their system. Between XX/XX/XXXX or XXXX they emailed stating we did not find my name in their system linked to a XXXX XXXX account. They say if I would provide my XXXX digit card number they would look my debit card number up in their system to see if my card was linked to a XXXX XXXX account. The following day or XXXX I received a email from cash stating after further review and investigation of your card number you provided us we found that their was a XXXX XXXX  account linked to your debit card. Which I can provide both emails I received from XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 



XX/XX/XXXX Sent method of verification, still no response. 



XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 



XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions.

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
Product: Checking or savings account

I had overdraft protection in place, had the funds in my account, but was still charged a return check fee for a valid charge that I could afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached : accounts not reporting
Product: Credit reporting or other personal consumer reports

Here are the inquiry I dont give permission to apply for any time or loan or credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX OF XXXX, XXXX OF XXXX, XXXX, XXXX, XXXX CARD, XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In Cortez v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

someone has stolen my identity, opened a credit account using my social security number, maxed out the credit limit, and stopped payments on credit line.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and XXXX XXXX XXXX ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities continuously breach the following federal laws : 15 USC 1681b ( XXXX ) : Unauthorized access to my credit report. 
15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( XXXX ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) XXXX ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. 

These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Please perform!
Product: Credit reporting or other personal consumer reports

I asked the company to remove the names that appear in my personal data and only leave my name as it appears on my social security and my ID
Product: Money transfer, virtual currency, or money service

I would like to follow up on the wire transfer which was initiated on XXXX, as of now I have not received the fund. Several email has been sent to follow up but unsuccessful to track the transaction. 

Bank Name : CHASE BANK XXXX : XXXX Transaction ID : XXXX Transaction Date : XXXX Amount : XXXX  XXXX
Product: Consumer Loan

I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX, have 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 : states a consumer reporting agency can not furnish an account without my written instruction.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : U.S. Bankruptcy Court : Account Number : XXXX Account Name : US BKPT CT XXXX XXXX : Account Number XXXX XXXX has violated my rights. Or list of inquiries 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: Student loan

Hello, I am a young professional beginning to process of repaying federal student loans after the repayment pause from the era of the COVID19 pandemic. I applied for the XXXX repayment plan on XX/XX/2023 through the service provider XXXX and was approved. I then began applying for XXXX XXXX XXXX XXXX ( PSLF ) on XX/XX/2023 and was transferred to the service provider MOHELA. My PSLF payments were approved. 

Currently, my loans are under a mystery repayment plan called " SAVE-Alternative '' that does not reflect the payment amount promised in my approved application from XXXX or XXXX my account with the federal government. All attempts to contact MOHELA via phone and portal messaging to gain more information about this payment plan have failed thus far. Additionally, my new application ( submitted XX/XX/2023 ) to correct my repayment plan to SAVE have been met with significant and unreasonable delays of up to 90 days, and my loans are still showing as being due on XX/XX/2023 despite the fact that they should be in forbearance while my application is being processed. 

Please help me come to a reasonable resolution with an unreasonable institution called MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

after dispute and investigation of this account- XXXX XXXX XXXX XXXX XX/XX/XXXX it was deleted on XX/XX/XXXX. Without notification and evidence of the account it was reinserted onto my credit report. This is a direct violation of the FCRA ( XXXX XXXX XXXX XXXX ) which is affecting my ability to secure a mortgage and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$170000.00} XXXX  XXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding two Hard Inquiries and 1 Collection : the first hard inquiry is XXXX  XXXX XXXX XXXX in XXXX California the first time I contacted the Gen Manager there was XX/XX/2019 and the only time. I began telling him why I was calling and told him that I had never stepped foot into at their dealership and would appreciate it if they would remove the hard inquiry off my report he said first that he would have to look up my application when I came into their facility? I asked him how are you going to find my application if I've never been into your dealership? Then he proceeded to tell me he could not help me there was nothing he could do since I have never been in their dealership. I stated you have to write a letter to get this off of my credit since its fraud he said there's nothing he can do for me and I just I don't the phone I'm at my wit 's end with this dealership. 
The 2nd Hard Inquiry is XXXX XXXX. The 1st time I spoke with XXXX was back in XX/XX/2019 when I had realized that they had ran my credit without my authorization. He stated no problem they write a letter it would take up to 30 to 60 days till it falls off my credit report. In XX/XX/2019 I realized it hadn't been removed off my report and I contacted XXXX and informed him of this and he's told me that he no longer work there at XXXX XXXX that I needed to contact XXXX. I then turned around and contacted XXXX for him to inform me that they would write the letter and give it 30 to 60 days. The 5th time contacting XXXX XXXX was XX/XX/2019. This time I spoke with XXXX  and now I was informed that I need a  police report if I file a police report and brought it down to them they will write the letter. I feel as though I'm getting the runaround from both dealerships especially XXXX XXXX it's pretty frustrating. 
The third account is Grant and Weber, XXXX Hospital the amount is for {$3400.00}. ( thats the collection amt {$2100.00} ) My issue is I've never been to this Hospital I contacted XXXX Hospital in XXXX Ca.. I spoke with two different accounting individuals and neither one found me in their system which would make sense because I've never been there.
Product: Bank account or service

I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.
Product: Credit reporting or other personal consumer reports

I received several suspicious emails first being a hard credit check report that I never inquired for. Second email was a flight confirmation purchase with XXXX XXXX. 3/4 email were travel insurance purchases with XXXX XXXX XXXX. 5th email was a second flight purchase. My 6th email was XXXX appologizing for double booking the same reservation and I would be reimbursed. 
The XXXX flight purchases were made with an unfamiliar mastercard. I will also contact those companys to let them know of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my purse a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.
Product: Checking or savings account

XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times reporting discrepancies, my Finacial 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 CFPBs 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.