23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I made a police report and called to Bank of America because I saw XXXX big transacctions that I didn't recognized from my debit card Mastercard ending XXXX - Fraud claim XXXX : XXXX XXXX PURCHASE XXXX XXXX NY {$2.00} XXXX XXXX PURCHASE XXXX FL XXXX - Fraud claim XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE XXXX {$2.00} INTERNATIONAL TRANSACTION FEE XXXXXXXX XXXX XXXX XXXXXXXX {$82.00} Bank of america after 7 days refused the claim and didn't refund the money, I made a police report about the situation I left copy of my passport to prove that I didn't make any travel in the last year and I also made a written affidavit, everything was sent to the bank by fax and they reopened the XXXX cases and about XXXX month later they refused again and didn't issue a refund. I have a lC3 complaint internet crime report too. I don't know who did it but clearly someone broke in and stoled my personal and banking data. 

Bank of America XXXX XXXX banking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXXXXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account as a collection account and the account never made it to collection because the account had been paid in full several months ago. I have a letter from the collection agency showing that the account balance is zero and requesting it to be removed from my credit report because it was an error of miscommunication on their end.
Product: Credit reporting or other personal consumer reports

I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score
Product: Credit reporting or other personal consumer reports

I filed a dispute on CREDIT COLLECTION SERVICES ACT # XXXX due to an inaccuracy of information and XXXX denied to follow up and throroughly investigate. I came across a recent article about the CFPB having a lawsuit pending against XXXX ; This which They allege the company of accepting unreliable information, failing to notify and give accurate and thoroughly investigated consumer dispute results. All of this aligns with my current problem i have with XXXX, as XXXX has not attempted to remove or thoroughly correct any of the information on my consumer report .I 'm requesting that this derogatory remark be removed as this is has been a major impact on my chances of getting a house, credit card, car, etc. XXXX has violated my rights as a consumer as well as federal laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware that LeisNexis is reporting inaccurate information about my driving record after having a substantial surcharge applied to my auto insurance. LexisNexis is reporting that as of XX/XX/2017 I received a moving violation for having been found driving a motor vehicle on a suspended license. This is inaccurate and causing me inaccurate insurance rates. The matter of that date was Driving with a suspended Registration which is not a moving violation, rather an administrative violation. 

I am unable to contest this inaccurate information with my carrier and am unable to receive an accurate insurance quote as a result of their inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, Transunion and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.
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 XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX  XXXX -- Account number # XXXX XXXX-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # 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 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: Vehicle loan or lease

I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with TransUnion regarding inaccurate and unverifiable information on my credit report. The accounts in dispute include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was wrongly classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct

a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit reporting agencies to investigate any disputed information unless the dispute is unfounded, which is not the case here. I further requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, TransUnion did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of their accuracy. This lack of reasonable investigation and refusal to provide verification evidence has negatively affected my credit profile, causing unjustified financial harm and violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. As a result, TransUnion has failed to meet its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Fraud, Privacy Violations, and Non-Compliance To Whom It May Concern, I am writing to formally address serious concerns regarding XXXX  handling of my personal information, violations of privacy, and apparent failure to comply with federal and state data protection laws. As a consumer whose data you collect, store, and process, I am deeply concerned about the security, accuracy, and integrity of my personal information. 

Details of the Issue Fraudulent Activity : I have recently discovered unauthorized activity that appears linked to a breach of my personal data. I believe this issue may stem from XXXX inability to adequately protect sensitive consumer information, as evidenced by the 2017 data breach and any subsequent vulnerabilities. 

Privacy Violations : XXXX has a legal and ethical obligation to safeguard my personal data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Your failure to implement robust data protection measures has resulted in an erosion of trust and a direct violation of my privacy rights. 

Non-Compliance with Data Protection Standards : Federal and state regulations require timely notification of breaches, accuracy of credit reports, and adherence to security best practices. Based on my experience, XXXX has not fulfilled these obligations, resulting in harm to consumers like me. 

Request for Resolution To address this matter, I respectfully request that XXXX : Conduct a thorough investigation into the fraudulent activity associated with my information and provide me with a detailed report of your findings. 

Correct any inaccuracies in my credit report resulting from the unauthorized activity. 

Implement stronger safeguards to ensure the confidentiality, integrity, and availability of consumer data. 

Provide me with a formal response within 30 days detailing the actions taken to resolve my concerns. 

Offer free credit monitoring and identity theft protection services for a minimum of two years to mitigate the potential long-term effects of this issue. 

Legal Obligations XXXX  actionsor lack thereofmay constitute violations of the following : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Ensures the accuracy, fairness, and privacy of consumer information.

State Data Protection Laws : Including but not limited to breach notification statutes.

Failure to address my concerns promptly may result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) or initiating legal action to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Please direct your response to the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, By : XXXX XXXX XXXX, Beneficiary/Agent-ARR, without prejudice
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Continued to mislead me suggesting to wait on pending transactions. In conclusion to improperly investigating my complaints, after being a trusting consumer, have closed my accounts without informing me. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises for some serious concern and consumer safety.
Product: Student loan

I have submitted loan payments through XXXX bank to AES for over 15 years. I submitted this month 's payment on XX/XX/XXXX. XXXX processed it on XXXX and received by AES on XX/XX/XXXX before my XX/XX/XXXX due date. As of XX/XX/XXXX, they are showing my account delinquent which threatens my credit score. I've contacted customer service multiple times and have been given the runaround. I have proof that AES received the money and they won't take it in a convenient format, instead, wanting me to mail it via XXXX so that my credit score will be FURTHER impacted. This is not right! I've been paying these crooks on time for ALL of my adult life, they can at least have the competence to apply my payment correctly.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Can you verify the documents? There are discrepancies in some of the accounts listed, with inaccurate amounts and dates being reported.
Product: Student loan

On XX/XX/2019, I requested a new payment schedule change from my borrower, Great Lakes. The change was approved, and I entered my new payment schedule. However, after, I noticed that my " paid ahead '' status was now gone. Upon contacting my borrower, I was informed that a change in payment schedule results in a forfeiture of any " paid ahead status. '' Nowhere during the process of requesting this change online was this mentioned. I requested documentation of where I might find such information on two different occasions ; once on XX/XX/XXXX, again on XX/XX/XXXX, and finally on XX/XX/XXXX. Today, on XX/XX/XXXX, I received the following response : Thank you for your patience. 

I apologize for any frustration this may have caused. After review of our website, I too was unable to find any information regarding the paid ahead status during repayment changes. A request has been submitted to update the website to provide more information regarding the effects on your paid ahead status during repayment changes. Thank you for bringing this to our attention! 

To rectify this situation, we have reinstated your previous payment schedule as requested and you can continue to take advantage of your paid ahead status. You are currently paid ahead {$1500.00}. As a reminder your next auto pay withdrawal is scheduled for XX/XX/2019 in the amount of {$260.00}. 

Please note that you can view all of your account details online at any time by using the following steps : Log in to your account at our website, mygreatlakes.org. 

Click on My Accounts in the Navigation Bar at the top of the page. 

Select Account Summary from the drop down-list. 

Click the Account and Loan Details link in the Account Summary section. 

Click on Choose an Account to view the individual account specifics. 

You can also order a full account statement using these steps : Click My Accounts in the Navigation Bar. 

Select Student Loan Obligation Statement from the drop-down list. 

Click Printer-friendly View. 

If you have any outstanding questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Supervisor Great Lakes Educational Loan Services , Inc . 
( XXXX ) XXXX or ( XXXX ) XXXX TTY XXXX Monday Friday XXXX XXXX  XXXX XXXX Central time Though the issue has been rectified- I am concerned as to how this practice has adversely affected other borrowers, and the procedures/ policies Great Lakes has followed in revoking other borrowers ' " paid ahead '' statuses.
Product: Credit reporting or other personal consumer reports

Recently, after reviewing my credit report, I discovered a few discrepancies, and Affirm Inc. was reporting XXXX unauthorized erroneous accounts. I have repeatedly asked Affirm Inc to provide me with proof who gave them consent to obtain my reports, authorize transaction under my personal information, and also wet ink signature application, including proof of my identity. Still to this day, I have not received anything but a letter, excluding proof that this is a credit transaction legally. I have never given Affirm Inc authorization for the XXXX frivolous accounts that they are reporting on my XXXX report. Additionally, I have never given Affirm Inc consent or permissible purpose to report anything to XXXX. The fraudulent activities have impacted my credit report and financial standing, causing me undue XXXX  and concern. I expect this matter to be resolved expedisiously.