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

I am writing this due to non-complaince with the CRA XXXX XXXX XXXX XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles transaction process and the risks it poses to consumers. The platforms instant and irreversible transactions make it a target for fraud, yet it lacks sufficient protections to prevent unauthorized activity or provide adequate recourse for victims. Additionally, Zelle fails to adequately warn users about these risks, leaving many consumers vulnerable. I urge the CFPB to investigate these issues and consider stronger regulations to ensure consumer safety and protection.
Product: Money transfer, virtual currency, or money service

Good Day, My name is XXXX XXXX XXXX. I am writing this letter in hopes of receiving some assistance with collecting funds i have deposited over the internet to a company known as Binance us. which advertised its self as an exchange place to buy and sell crypto currencies. I had been using the site with no problem at all until XX/XX/2021. I received an email from Binance.us that a deposit of crypto I purchased for the sum of {$1000.00} usd was reported to my bank to not be available so I needed to make a deposit or sale some assets to bring my account current and until I did my account may be blocked until the proper funds are disbursed. At the time I didn't understand the message so i thought there was an error because the funds were available so I counited to trade all functions of my account were active and i was able to trade. I made a sale of some of some coins i had valued at the time of transaction completion to the sum of XXXX usd which was deposited to my Binance wallet. Immediately my cash sale went to XXXX due to the company taking its Money that was owed and sending me the remaining in my wallet, no problem their now this is were the problem occurred. on XX/XX/2021 I made a purchase for XXXX usd XX/XX/2021 another deposit for XXXX usd again on the same day made another deposit of XXXX usd which Binance allowed me to make a purchase with. During this time i made an increase in my positions so i wanted to liquidate some of my assets so i made an order to sale which went fine but when trying to withdrawal I get a message I've been suspended on trading due to risk management so i follow the instruction on the website and send in a ticket for review of my account no response i send numerous tickets to alliviate the situation but every time i try to contact someone they send messages from a bot with no actual person to talk to or department to communicate with. my wallet is now holding a total of {$5100.00} i recently closed on my first home and the money i have locked and not able to touch is really putting me in a bad position. i have more than 15 failed attempts to rectify this situation even screen shooting all my transactions and laying out the time line for Binance but to no avail no response just generic automated responses it been really hard to get buy without my funds this was a quick investment and now its turned into a night mare i pray you can help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. XXXX : XXXX days late XX/XX/2023 & XXXX XXXX XXXX days late. 
Experian : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
XXXX : XXXX XXXX XXXX days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX  days Late and XXXX XXXX XXXX days late.
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. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX XXXX  {$25000.00} 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 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 and crimes which antedates the report by 7 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
Product: Credit reporting or other personal consumer reports

I submitted a dispute by mail via certified mail on XX/XX/XXXX to Transunion and XXXX for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked Transunion and XXXX to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both XXXX and TransUnion and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. TransUnion is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and TransUnion fails to do a reasonable investigation which is a violation of my rights. XXXX is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and XXXX did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. XXXX also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )
Product: Checking or savings account

On XX/XX/XXXX there was a sitewide glitch on Chase 's end that sent out duplicate XXXX payments on that day, causing my payment of {$2300.00} to be charged a total of {$4600.00} to be withdrawn from my account. My XXXX history shows that I only authorized one payment. As reported online here : XXXX XXXX XXXXXXXX I filed a claim with Chase on XX/XX/XXXX about the duplicated charges as well as an earlier complaint with the CPFB ; in turn, Chase reversed my duplicate charge on XX/XX/XXXX. However, even though I was debited twice, my recipient only received a single payment. That single payment was then reversed on XX/XX/XXXX so the payment was sent to the right address, but was reverted back to Chase. My recipient effectively received a net total of {$0.00} and I am still responsible for the {$2300.00} of the funds that did not go through. I no longer have access to those funds as they were debited out of my account and must send over replacement payment. I went in person to a Chase branch on XX/XX/XXXX and they confirmed that they could see the two posted payments being debited to my account, however XXXX XXXX received one charge of {$2300.00} and one of {$0.00}. 

My recipient 's bank is XXXX XXXX and have been confirming that they did not receive payment on that end. If Chase had conducted their investigation correctly and/or communicated with XXXX XXXX , they should have reversed the debit on my account but left the XXXX XXXX transfer untouched. My claim with Chase and CPFB complaint have since been closed but I am still missing {$2300.00}.
Product: Credit reporting or other personal consumer reports

Please reference cfpb complaint with XXXX XXXX here : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the XXXX data breach and its subsequent negative impact on my credit score at all three credit bureaus. I believe this incident constitutes a serious violation of consumer protection laws and regulations ( Privacy Act of 1974, Fair Credit Reporting Act, and Gramm-Leach-Bliley Act ) I received notification that my personal information was compromised in the XXXX XXXX breach I have experienced significant difficulties in maintaining a healthy credit score. I have recently discovered that my credit score has been adversely affected across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 

As a result of this breach and the subsequent damage to my credit, I have encountered ( financial hardships, such as difficulty obtaining loans, higher interest rates, etc )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they offer as a company postdated XX/XX/XXXX. They also deny that the inaccuracies are present on my credit report, which is a lie. My credit report was reviewed from annualcreditreport.com for TransUnion on XX/XX/XXXX displaying the inaccuracies ; and reviewed again after receiving their notice on XX/XX/XXXX, showing the same inaccuracies they claim to not exist. The initial dispute letter was sent to the address posted on the XXXX website; TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX, PA XXXX.
Product: Checking or savings account

Chase Bank was notified of unauthorized withdrawal of funds from our nonprofit 's account, XXXX XXXX XXXX, XXXX  XXXX XXXX, on XX/XX/XXXX. My bank representative informed me that the {$38.00} had been taken monthly since XX/XX/XXXX! But I had personally informed XXXX in person to discontinue dental insurance because I would not be using their services any longer. Therefor, I thought debit was for other items ordered online at XXXX until my bank representative cautioned me on fraud and to begin closely monitoring our monthly bank statement. I immediately visited XXXX office after having had met my bank representative. That office was closed so I left a written note taped to the entry door telling them to cease unauthorized withdrawals from our account and provide a full refund to us. I took picture of note taped to the said door, but never a response of any kind from XXXX. This was my second notice to XXXX. 
On Sunday, XX/XX/XXXX, I spoke to Chase 's customer service that said since withdrawals had occurred longer than 30 days, they could not reverse charges ; and that XXXX said I had not instructed them to cease withdrawals. Why would I authorize payment monthly for service I do not use? I offered to provide picture of second notice to XXXX but Chase refused. I have had problems with Chase in another matter that took the persistence of my bank representative to resolve despite evidence fraud had been committed. Now on this matter, Chase refuses my evidence.
Product: Student loan

I am formally lodge a complaint regarding the management of my student loans previously serviced by Navient. My concerns stem from a series of issues, including : 1. Misleading Forbearance Advice : I was repeatedly placed in forbearance, which was misrepresented to me as the best option for managing my loans. This has resulted in a significant increase in my principal balance, which I believe to be an unfair outcome.

2. Incorrect Reporting to Credit Bureaus : Despite being placed in forbearance, my payments were reported as late to credit bureaus, negatively affecting my credit score.

3. Inability to Release Co-Signer : My co-signer passed away in XXXX  and despite my numerous attempts, I have been unable to have their name removed from my loans. This has caused unnecessary distress and complications in managing my loan obligations.

4. Public Service Loan Forgiveness ( PSLF ) Denial : I have attempted to apply for PSLF multiple times, but I was continuously informed that my loans were ineligible. I believe this guidance was misleading, and I may have missed out on a valuable opportunity for forgiveness. 
5. Ongoing Harassment : Despite my loans being transferred to another lender, I continue to receive calls from Navient representatives regarding my account. This is unacceptable and disruptive. 

I request that Navient takes immediate corrective action by : Discharging all of my student loans that were serviced by Navient, given the history of mismanagement and misinformation. 
Correcting any inaccurate reports made to credit bureaus regarding late payments. 
Confirming in writing that my co-signer has been removed from my loan account due to their death. 
Ceasing any further communication with me regarding these loans, as they are no longer serviced by Navient as by the email received by Navient.
Product: Credit reporting or other personal consumer reports

I was deeply upset to discover unauthorized inquiries on my credit report tonight, with no explanation as to why they appeared. My routine credit check revealed these discrepancies out of nowhere, and despite refreshing my browser to see if it was a glitch, the issues persisted. I'm asking for a careful examination of the documents I've submitted to ensure I no longer have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late 120 days closed AM XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} - Collection XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$17000.00} -late/Open
Product: Debt collection

MERC ADJ BUR is claiming that I owe them {$950.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Without any proper notice I was informed that my account was placed on restriction. I only found out because my card kept getting declined when I knew I had funds available. So I called them. I called and they informed me that the state informed them to do that due to the unemployment fraud. I was told to submit and Id/ss card for verification purposes. I did that I was then informed that it would take 3-5 business days for funds to be available after documentation was submitted. They do not have any physical branches, just online backing so I had no access to my funds. This has been over a month and not be able to utilize my money. After 5 days my card still was declining I called back again. They then informed me that it would take an additional 10-15 days to remove a hold. I never received proper notice in addition unemployment never said they allowed this. I was informed that the  bank was its only institution. They dont operate together. Like US reliabank stated. Ad of today I still dont have access to my funds. Its been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$6900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX