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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 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 or 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

On XX/XX/2023 XXXX, XXXX and Equifax reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX ) and no date for XXXX. All three bureaus are reporting different dates. Thanks
Product: Credit reporting or other personal consumer reports

I have not received the proper notice post repossession which makes this balance null and void. This need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD INQUIRES XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed a debt to PayPal due to a charge that was fraudulent. There was much back and forth between paypal and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from XXXX XXXX   stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.
Product: Mortgage

The hazard insurance was not paid by escrow and now my insurance has lapsed because Mr. Cooper Mortgage didn't do it's job and pay the insurance company. It's nearly impossible to get a hold of anyone at Mr. Cooper Mortgage to get this issue resolved. I have contacted the insurance company to see what I can do to remedy the situation, but this should have never happened in the first place due to negligence on the part of Mr. Cooper Mortgage.

What's the point of an escrow account if it doesn't handle paying things like insurance and property tax? I will do everything in my power to remove my escrow account completely because I'd much rather pay the annual insurance amount and have the peace of mind that it is, in fact, actually going to get paid and my house will be insured.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never late. Chrysler has already updatte the credit reporting agency. XXXX is the only one that did not update correctly.
Product: Checking or savings account

on XXXX I noticed a large charge on my debit card {$420.00} during a time I was at work at a store I have NEVER shopped at and I called my bank as soon as I was able to let them know I didn't authorize this charge and I had realized by then I didn't have my card in my possession. I was advised a claim was submitted and figured there would be no problem as this was clearly a crime. I was never advised to call the store or the police. after the XXXX days I was advised that the charge was valid and not made in error, so of course very confused by this as I had advised NO ONE had the ok to make this charge. I called the bank ( wells fargo customer for over XXXX years ) claims department and was VERY rudely advised I was responsible for the charge and they investigated it and found that it was a valid charge. I asked what factors played a part in their " investigation '' but I have been told now by XXXX different claims reps that they can not tell me how they led up to that incorrect determination. Asked for a supervisor... never heard back. I called XXXX other times to the same run-around. asked for an appeal and was hung up on. called back and was told there was nothing I could do the decision is final. 
Called the store ( XXXX XXXX XXXX XXXX  ) and asked how this happened they advised the XXXX  was able to run it through as XXXX i am unsure why i even have a PIN number if the criminals don't have to use it. This was over a XXXX dollar charge and i have been unable to pay other bills resulting in a bad time for me. 

PLEASE HELP! 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain my free annual credit report from XXXX, XXXX and Trans Union.
Product: Money transfer, virtual currency, or money service

In XXXX, I was the victim of Zelle scam resulting in the loss of {$2000.00} which I previously reported to cfpb ( complaint ID XXXX ). I reached out to XXXX  XXXX XXXX and was informed that there was no recourse. 

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

On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank.
Product: Money transfer, virtual currency, or money service

Zelle {$70.00} to wrong person who now will not refund my money I contacted chase and they said it will need to be investigated before I can get a refund if any at all. The email address was off by two letters and the person who received the money will not give it back.
Product: Credit card or prepaid card

Barclaycredit card misled me to believe that I do not have any minimum payment to be paid. My date for minimum payment was XXXX XXXX, 2020 ; I paid extra of {$200.00} on XX/XX/2020 whereby it covered the XX/XX/2020 minimum payment of {$29.00} ; Days before my minimum payment due ( XX/XX/2020 ) my online account displays that I do not have a minimum payment due. But on XX/XX/2020, an alert trigger that I did not pay my minimum payment of {$29.00} dated XX/XX/2020. The credit card company charged me a late fee and the worst part of it all, it will show in my credit report that I have a late payment on this card. This company is a fraud. Heartless. They make their system in such a way they can get you to be charged with fees. 
Please help me make sure that the late payment dated XX/XX/2020 will not show in my credit report. I am in the process of acquiring a house. This will ruin my application definitely. I will close this account when those fees are reversed come XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX acct 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 instruction.
Product: Student loan

I have a Student Loan through XXXX Mohela and my payments were {$380.00} a month. In XXXX of XXXX, I had to do a forbearance due to being unemployed. When my forbearance expired in XXXX of XXXX, the payments had risen {$490.00} a month. Unfortunately, I had to do another forbearance, in XXXX, this time due to a XXXX and now the payments are {$730.00} a month. 

I called XXXX Mohela on XX/XX/XXXX to see why the payments are so high after my forbearances and they told be it was due to the term of my loan, which is five years and ends in XXXX of this year. 

I asked if there was a way to reduce the payments, because I only work part-time and I have not started back to work yet and they told me there was not way to reduce them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. Details of the Disputed Inquiries : Requesting Entities : XXXX Inquiry Dates : XXXX XXXX Requesting Entities XXXX XXXX XXXX XXXXXXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX  Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report. 2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly. 3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud. Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information. Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged Off my XXXX XXXX XXXX  account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while XXXX the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on XXXX XXXX and Experian.
Product: Debt collection

On XX/XX/2021, I wrote to Equifax requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from Equifax or any acknowledgement that an Investigation has started. I've attached my proof along with the accounts.

Equifax is not complying with their own policies in a timely manner. Equifax did not comply with their policies to complete and investigate items within 30days
Product: Debt collection

I paid this debt in full after collection and received a paid in full letter from the collection company. The company continues to report an amount due to a credit reporting bureau, even after a dispute was filed and evidence of payment of this debt was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called the creditor ( XXXX  XXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX
Product: Mortgage

I applied for a conventional mortgage in XX/XX/XXXX of this year with a closing date of XX/XX/XXXX. They had 45 days to acquire all of the necessary documents. I informed them that I would need to have final numbers for closing a week before the closing date due to travel time to the closing. Calls to loan officer 's assistants went unanswered as did requests through emails. As of the XX/XX/XXXX they have not given me the amount I need to close. I have to have time to get a certified check and allow travel time and this is the last day that it can be done. Just wanted to let other people know that Homedirect Mortgage  is not concerned about the customer 's needs.
Product: Mortgage

Midland mortgage they charging unnecessary charges, My house value went up by almost % 40 I called the company to appraise the house to take off the mortgage insurance PMI they refused even though the house extra value covers more than % 30-40 of the loan I have done the same with different mortgage company and different house and they sent an appraisal and they took off the mortgage insurance
Product: Student loan

We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.
Product: Checking or savings account

Bank of America has treated me like a criminal when I was victim of a scam Bank of America will not listen to what occurred I have a police report and spoke to police detective both have agree bank is treating me with disrespect. Ive ask to speak to supervisors and managers and Bank of America employees 6 of them have just hung up in my face not allow me talk to a supervisor Bank of America after being customer 20 years I would think they have more respect than treat a victim like the criminal I want this resolved with Bank of America with an apology for there rude service towards me Ive gone to several ppl with this theyre all shock to see how Bank of America had treated a victim of a scam
Product: Vehicle loan or lease

Paid off vehicle in XX/XX/2020 expecting the title lein to be released with Florida. CAlled in XXXX and Citibank was sending to their " third party '' team to release lien. I received a un notarized letter from Citibank that I took to DMV, DMV FL rejected saying it was not sufficient. I called back again in late XXXX and they again sent to 3rd party team that sent another letter 7 days later with a notary and seal. I went back to DMV escalated after initial rejection and DMV FL said they need to release it with the state through their 3rd party. Called back again worked with rep for 1 hour told to call back after a day and verify. Called next day was hung up on by the first rep after 30min hold, called back and escalated the issue to a supervisor. Supervisor said it's with 3rd party team again and nothing they could do or call the team. Citibank continues to push and ignore my request acknowledging I paid it off last year. I am unable to sell or transfer the title holding my funds hostage and depreciation of vehical as I wait. 

DO not finance with Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed XXXX. ) XXXX XXXX XXXX. ) XXXX
Product: Debt collection

Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called capital one customer service to inquire about my request for an increase on my capital one credit card limit which was denied, and I was informed by the office supervisor that my request was denied because delinquency was reported concerning payment on the credit card account. According to the supervisor, the decision to decline my request for an increase was based on a delinquency report they obtained from XXXX. I have always made payment amounts promptly and these payments were even above the minimum payment required by capital one. XXXX is in violation of the fair credit report Act in this case because my records clearly show that I have not been delinquent in making payments in my account with capital one.
Product: Debt collection

The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.