23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a American Express Bluebird debit card. There was a small balance on the card roughly {$30.00}. My XXXX passed. His pension plan sent out a one time death benefit. I used the American Express Checking account banking number and routing number to receive it. In Friday XX/XX/XXXX I started using the card again. The first was with XXXX XXXX XXXX. Then another at XXXX. The NEXT day, I was staying at a XXXX  XXXX in XXXX. I logged into my account. There was {$2500.00} missing! I immediately called card. We tried to cancel the money service transaction. We couldn't. It was completed. I tried to cancel it obviously because I did not do it!! So, the dispute was opened. They've closed it now. So, SOMEONE somehow, went into my Bluebird account, sent money to a XXXX, someone HAD to use ID to pick it up. And I'm not being refunded. I did NOT initiate the money service. I did NOT pick it up, and have no clue who did! They have to be on camera and they had to show ID. I've authorized none of this and they won't refund monies. It was {$2500.00} on XX/XX/XXXX.
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 and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering funds was impossible and that tracking these transactions was unworkable. The CFPBs findings indicate that zelle has not only neglected to protect consumers but 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: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear Sir/Madam, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with Experian. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). 

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : I applied for credit under my Social Security Number ( SSN ). 

I provided explicit authorization for the inquiry. 

An account was opened and linked to the inquiry. 

None of these conditions apply in this case. 

Specific Violations of the FCRA 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities. 

15 U.S.C. 1681i Experians Failure to Verify Experian is required to verify the legality of these inquiries and provide documented proof that I authorized each one. 
If Experian can not present verifiable evidence, it must remove these hard inquiries immediately. 

15 U.S.C. 1681e ( b ) Inaccurate Information in My Report Experian must ensure the accuracy of the data reported. 
No active account exists with XXXX XXXX, FIRST TECH FCU, XXXX, or CORELOGIC XXXX XXXX on my credit report, confirming that these inquiries are inaccurate and must be deleted. 

Requested XXXX I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TERRACE XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX
Product: Student loan

From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Escalating Concerns of a Continuing Identity Theft, of ' a Speciality Credit Reporting Agency known, as ' Early Warning.

Inaccurate information Requested for the Removal of Information from the Early Warning Database Systems with 'all Alligences and Alliants, the Dispute or Correct for Accounts in Inaccurate Account Risk, as well as ' Accounts ( 3 and 4 ) plus, years old ', And Inaccurate Errors in Application for a Secured XXXX, that ' are. the Made Causes for a Continuing Identity Theft, prior Addressed in " formal compliant process ''.

Contributor ( s ) XXXX XXXX ( Account Risk ) XXXX XXXX XXXX ( Overdrawn ) XXXX XXXX XXXX AZ XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I had a balance of {$0.00} and my bank stole {$15.00}. I spent EXACTLY {$22.00} yet my negative balance is XXXX. So {$15.00} unaccounted for. I called my bank and they couldn't explain the charges and when I demanded paperwork explaining the charges, they hung up.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I attempted to buy a handheld computer on offerup from a person called XXXX XXXX. They sent me a screenshot that showed the app was malfunctioning and asked if I could just zelle the money instead. I agreed and on the the same day the XXXX I paid {$22.00} dollars to a zelle acount registered to a XXXX connected to the phone number XXXX. Later that day as we continued talking I agreed to pay half the money upfront for the item which was {$170.00} to a XXXX whose phone number connected through zelle was XXXXThey claimed their phone wasn't working properly and were using freinds to collect the money. This person also sent me the email XXXX connected to their XXXX but I did not send any money that way. I was sent a fake invoice picture with no tracking number and then later a tracking number originating in XXXX when the item was supposed to come from California and had no final destination attached. The local post office was confused by what I showed them and said I was likely scammed. While the payment was still pending I asked XXXX if they could reverse it and they refused and said contact Zelle. Zelle refused to do anything and said since I did the transaction through XXXX they needed to handle it. I've explained situation to offerup but don't expect much since most of this occurred outside of the app. They've also blocked me from viewing the messages we exchanged through the app and it looks like they've blocked the seller. I have pictures of the the transactions through zelle as well as the fake invoice and usps tracking. No computer has arrived nor will it.
Product: Vehicle loan or lease

Interest rate for my vehicle says 8.02, but the payment is more aligned with an 8.1 - 8.12 % rate. Around XX/XX/XXXX -XX/XX/XXXX, I reached out again to Capital1 to inquire and they gave me the run around, passing me to other 'depts '. XXXX from the 'Finance office of the president ' said she'd have someone look into the matter and get back with me, but I've not gotten a clear calculation of how $ XXXXmo payment for 72 months equals to an 8.02 interest rate for an original {$41000.00} loan. I'd like to have this investigated properly, and for Capital One to refund any unnecessary and extra payments I've made, along with the interest charged on any erroneously calculated and accrued balances, fees, and/or interest. I want to be made whole.
Product: Student loan

Again, after making a payment to Navient, my balance increased. This has happened several times, but this time I took screen shots of the page. On XXXX/XXXX/2016, prior to making a payment of {$300.00}, my balance was {$34.00}, XXXX and today ( XXXX/XXXX/2016 ) after posting my payment of {$300.00}, my balance is {$34.00}, XXXX. Previously, when I have contacted customer service at Navient about this, I did not have the screen shots to prove my balance increased and now I do. Kindly advise me on what to do about this as it appears to be an ongoing issue that may have been costing me money I do not owe. I am happy to provide the screenshots as well. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$950.00}
Product: Credit reporting or other personal consumer reports

i sent 1 certified letter requesting all information about this account and a copy of my signature to my provider of service to release my medical information to them. i sent a second certified letter after 30 business days of initial letter stating that they have failed to provide such information within 30 business days and According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights and it was still disregarded.
Product: Student loan

Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.
Product: Credit reporting or other personal consumer reports

I order my credit report and check everything. It show up one of the loan I got from a car is still there as an unpaid account and I paid already in full. Look like a repo.
Product: Mortgage

A company, Mr. Cooper, bought my loan from my original bank, XXXX XXXX XXXX. As soon as my loan was transferred I began receiving a relentless stream of marketing emails and phone calls. I have asked Mr. Cooper to stop calling me with marketing calls, they have not complied with my request and subsequently I have had to block their phone number. This is problematic, since, if there is a legitimate issue it will be difficult for them to get ahold of me. Furthermore, I receive daily emails, also attempting to sell me something, usually a refinance. I have an online account to monitor my mortgage, unfortunately there is no way to opt out of marketing emails. I am very frustrated by Mr. Cooper 's unrelenting efforts to sell me additional products, I make my payments on time, I've never missed a payment. I need them to stop harassing me. As it currently stands if they have a legitimate issue with my loan, I won't know about it because their phone calls and emails will get lost in the flood of marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiry named XXXX XXXX is damaging my credit rating.
Product: Debt collection

Hi Sir/Madam, I am surprised to receive a letter in my mailbox from a debt collection agency " The receivable Management Services LLC ''. This agency says that I owe them XXXX dollars which I do not recognize. They say they are acting on behalf of XXXX XXXX XXXX. I acknowledge having an insurance policy with them last year, but on my request I canceled the insurance policy because there was an unjustified price increase. I had not received any tickets or been involved in a traffic accident. I have obtained from XXXX  all guarantees to cancel my insurance policy. They said they will refund the money already paid for the month of cancellation. I have all the received emails that I will send to you to help me resolve this situation. The receivable Management Services LLC openly threatens to send negative information in my credit report for a debt I do not recognize.
Product: Mortgage

I am a homeowner having problem receiving services from my XXXX XXXX plan that covers Systems and Appliances in my home. Coverage for this program is covered through my mortgage payment. Payment amount is {$34.00} paid monthly through my mortgage payment at Nation Star Mortgage ; I had problems with my up stair air condition unit for two years. XXXX XXXX sent several different companies to our home none of them fixed our air condition ; also, there records should indicate several telephone calls that was made to them by my wife and I covering the above conversations ; However, our air condition was never fixed and continued to leak water and damaged our ceiling, I had to pay {$1500.00} in repairs. I am having problem with my garage doors, I was informed that my doors are not covered ; only, the roller and the sensors. boxes thethe the rest of the cost is the owner responsibility. My wife and I was informed that this plan would cover most used systems and appliances in our our home. I was informed by the representative today ( XXXX/XXXX/17 ) that the contract have changed. I asked to speak to a Supervisor but my request was denied!
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX 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. 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a letter stating they contacted all three bureaus to remove this account from my credit. Experian refuse to remove this XXXX XXXX XXXX account from my credit when the collection bureau has reached out to them and told them to remove this from my report. I have attached the letter that was sent to me via usps mail from XXXX XXXX XXXX. This need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( student loan company ) reported that I missed 8 payments. I have bit missed any payments. Transunion has this reported incorrectly. XXXX managed to change this status to up to date, but Transunion has not.
Product: Credit reporting or other personal consumer reports

In accordance to fair credit reporting act these creditors have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I have contacted both XXXX XXXX and the XXXX County Court House and they confirmed that they have no records of Transunion contacting them to verify this information. I also have XXXX hard inquiries reporting ( XXXX XXXX and XXXX ) that are for the dates of XXXX XXXX, 2015. I did not approve these credit inquiries. While car shopping, even though I already had secured a loan, the dealership ran my credit without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Product: Prepaid card

I received a Vanilla gift card from my sister for XXXX of XXXX. I tried to use it last year but was informed that the {$25.00} had already been used. I had not used the card at all. Someone had fraudulently used the card before I could ..... 

I contacted Vanilla through XXXX as there wasn't any other way of contacting them. They sent me ( several times ) forms to fill out requesting a replacement card. These forms were not very clear or were irrelevant to what I was requesting. 
They sent documents of charges that were not mine and said that {$9.00} was the balance on the card. I reiterated they were not my charges. 

After several months of communicating with Vanilla, I finally received a replacement card as of XX/XX/XXXX. It was in the amount of {$9.00}!!! No where near the {$25.00} that was originally paid for by my sister.