23daVinci/CFPB_Complaints huggingface dataset:
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 reporting or other personal consumer reports

I am a natural person and a living human being, I have rights under 15 USC 1681. 

Equifax and XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax or XXXX written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.
Product: Credit card or prepaid card

I am writing in regard to my XXXX  XXXX  Select Master Card account that I got in XX/XX/XXXX. I renewed my card last year ( XX/XX/XXXX ) because I was told I would receive a companion flight ticket on every anniversary date if I renewed. As I realized I was approaching my second anniversary ( XX/XX/XXXX ), I called to find out how I could redeem this benefit and obtain my companion ticket for the first year. I was told that the companion ticket benefit was discontinued, but if I had spent {$20000.00} during my first year I would have received a {$120.00} flight discount voucher, which is the benefit that replaced the companion ticket. I was also told that I did not spend {$20000.00} my first year or my second year, so I am not entitled to this benefit. 

I have spent much more than {$20000.00} in each of my two years since obtaining the card. I asked to speak to a supervisor, and was told the exact same thing, that the records indicate that I did not charge enough to receive the benefit. I was instructed to write a letter asking for a review which I did but did not hear back. 

Furthermore, I feel that this is consumer harm because theyre not accurately reporting my credit usage and payment history, which could adversely impact my credit. 

Below are the statement balances since I obtained the credit card : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$3700.00} XX/XX/XXXX : {$4100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$4700.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.
Product: Checking or savings account

I am writing to file a complaint Zelle regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Zelle for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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, 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.C1681 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 of has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Works & Lentz is a local XXXX XXXX debt collection agency that passes themselves off as attorneys and use harassing tactics to try and collect a debt. I have received phone calls from someone named XXXX. She repeatedly calls and leaves a message where she doesn't state what company she is from or the purpose of her call. She just gives her name and a phone number and tells you to call her. Today ( XXXX ) she called my work and spoke to my boss to " confirm my employment ''. My boss just assumed it was because I was getting a loan or something. When I told him him that wasn't the case he looked up their phone number and saw they were a debt collection agency. Now he is asking why a debt collection agency is calling him about me. 

I believe this is an intentional harassment tactic designed to intimidate me and make me look bad in front of my employer so I will pay them and the calls will stop. If they are intending to try and garnish my wages they have never sent a notice to me about going to court. So my other question is do they intend to go get a default judgement behind my back and then all of a sudden my wages will be garnished without me having a chance to respond? To be honest I don't know why this company is still allowed to be in business with the numerous complaints and legal judgments against them. All they do is adjust their tactics slightly in the hopes that people won't notice but at the end of the day their M.O. is the same. They masquerade as a law firm when in fact they are just a debt collection agency and then bully people into paying them money using every degrading, dirty handed trick in the book.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries according to the FCRA legally, these items must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX   SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX.

ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX   WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT.

XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT.

AFTER GIVING LEGAL ADVICE TO XXXX XXXX   AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING.

XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX  IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT.

PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I have several bank accounts with USAA including XXXX that I share with my son and one I share with my sons father which is used to transfer child support payments and cover purchases for my son. On XX/XX/2022, I attempted to withdraw cash and the ATM said I had insufficient funds which I know is incorrect because I had just checked the account the day prior. When I tried to contact customer service using the chat feature it did not show that the accounts existed and said I did not have any accounts with USAA. When I attempted to call, I was immediately transferred to another line without explanation to speak to a XXXX and have thus far been on hold for XXXX hours waiting to find out what the issue is. I have received no communication whatsoever from USAA about why this is happening and can not access my funds or any accounts. It is clear based on the hold time they are aware there is some problem, and I feel it is wrong to withhold access to all of a customers resources without explanation. It would be appropriate to send a electronic notice, text message or other communication letting people know if there is a technical issue or any other reason their funds can not be accessed. This problem is very bad timing over XXXX of XXXX weekend when many families are traveling and the fact that USAAs customer base is the military and veterans makes it all the more appalling. As a XXXX veteran of XXXX and XXXX, it feels like a slap in the face to be treated this way by a veteran-friendly bank over XXXX of XXXX weekend.
Product: Credit reporting or other personal consumer reports

My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies XXXX and XXXX sent out letters with all the information and credit lines associated with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had things my mother helped me pay off atleast two things anyways she paid them off and they styll have it up on my credit as not paid .... ;
Product: Checking or savings account

On XX/XX/2023 I XXXX  XXXX website looking for XXXX hotel rooms in XXXX XXXX South Dakota. A deal popped up which advertises XXXX rooms for {$300.00}. I proceeded to put my information in including my debit card number, name, email address etc. After that, at the bottom of the page there was the breakdown of cost including over {$600.00} dollars in fees. So I went to exit the website and the reservation submitted on its own. I never entered submit, and I never entered an otp code or anything. 
I logged into my bank account and saw the total of XXXX pending. I also Received reservation confirmation email and chose the cancel option, page indicated that it was canceled but non refundable. I then Called the companies customer service number to tell them what happened, and they told me they have my information and its non refundable and theres nothing I can do. Then I called my banks fraud department and spoke to customer service and they told me that they cant stop the transaction and its pending and can file a fraud claim after it posts. After this all happened we went to the website for the reservation and the website doesnt exist. I submitted my fraud claim on XX/XX/2023. I was told that I would get paperwork in the mail to follow up. They didnt send the paperwork until the XXXX and I submitted the paperwork both by fax and mail on the XXXX. I received provisional credit from USBank and then XXXX weeks later they took it back. They claimed that I had submitted a dispute not a fraud claim and that the merchant stated that I knew that their cancellations were non refundable at the time that I submitted it. The problem is that I never submitted it. The website is designed to force your transaction to go through. I x-ed out of the website and never entered any submit button or XXXX  code and the transaction still went through. When I called the bank I intended to file a fraud claim, and mentioned such multiple times on the phone, and the bank did a dispute instead, regardless of the fact that I stated multiple times that I wanted to file a fraud claim. I am now our {$910.00} for a transaction that I did not authorize. Furthermore upon deeper investigation, I called the XXXX location that they claimed to make a reservation with, and there was never a reservation or cancellation on their system for me, which I believe is further indication that this company is fraudulent and fake. My reservation confirmation email came from XXXX which isnt even an existing website.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>, I took a loan out on my vehicle for a little over {$5200.00}. My monthly payments were set at {$750.00} a month, I've been making the payments each month. My balance is still over XXXX. Over $ XXXX has been paid to interest only. That's double the loan amount. I feel this is predatory lending. Please help. 

XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Dispute of Collection Account Whom it may concern, I am writing to formally dispute the validity of the collection accounts referenced below. 

The account numbers are listed below and I believe this debt is not valid due to billing error, account not accurate. 

I request that you review my dispute and verify the debt. Additionally, please cease all collection activities until this matter is resolved. 

Please contact me at XXXX or XXXX should you require any further information. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my accounts records, it has come to my attention that the opening date listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my accounts records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2400.00}.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my free annual credit and consumer report from Lexis Nexis. I want Lexis Nexis to mail me a complete copy of my Lexis Nexis Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.
Product: Credit card or prepaid card

I am my XXXX year old mothers Power of Attorney. On XX/XX/XXXX my mothers Capital One credit card was used fraudulently and was reported on the same day. It took 2 days to receive an email with a link to upload Power of Attorney to allow me to deal with the fraud. The Power of Attorney was uploaded XX/XX/XXXX and 11 days later they still refuse to speak to me regarding the account and have taken no noticeable action or have removed the charges. They appear to be continuing to charge interest on the fraudulent charges. The local sheriff 's office has asked for any relevant case # being investigated by Capital One in order to proceed with their investigation but Capital One refuses to take action. The supervisor, XXXX, said they were busy with other customers and refused to provide any method or the name of any governing authority to whom I could contact about the issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there is a credit card account and several inquiries that dnt belong to me and I didnt give authorization
Product: Checking or savings account

On XX/XX/2018, I made out a check to my sons college for campus parking in the amount of {$120.00} which my son submitted to his college. On XX/XX/2018 my received an email from the schools XXXX XXXX XXXX to which the payment was made out to. They advised regarding a recent break in and a review of their records indicated that we were one of those affected due to having conducted a financial transaction ( check # XXXX ) which I had made out to XXXX. They advised my son to request a stop payment on the check I had issued to the school which was one of the checks that had been stolen. We did as advised on XX/XX/2018. On XX/XX/XXXX I noticed a debit to my account in the amount of {$3200.00} for that same check # XXXX which I had requested a stop payment on. The check was altered by the perpetrators and submitted to XXXX XXXX for payment to XXXX XXXX. Even the date on the check and memo field were changed. 

I contacted the bank immediately and submitted the required notarized affidavit of forgery, counterfeit or unauthorized remotely created check form required to file my claim. 

I have been in contact with the Citibank dispute team ( XXXX ) for the past 2 months and have been advised that they are working on my complaint. Here is one complaint number I was given which I hope is a real complaint filed upon my request # XXXX. 

What concerns me is that I placed a stop payment on the check in question and it still was cashed. Was this check not flagged for possible future forgery? 

I have a mortgage and other bills to pay not to mention that I now have to close out my checking account and open a new account. It concerns me that the available funds that I have left in my account and the next incoming direct deposit could be compromised as well.