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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX Balance - $ XXXX Systems Balance - $ XXXXXXXX XXXX XXXX XXXX Balance - $ XXXX XXXX Systems Balance - $ XXXX
Product: Debt collection

MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Back in XXXX  2024 made a dispute request against ( XXXX XXXX ) company for an inadequate job. Won that dispute. During this dispute the company ( XXXX XXXX  ) illegally charged my credit card a second time, I notified credit card ( citi cards ) immediately and they assured me they would handle it however, they did not and are now wanting me to pay this illegal charge. I do not owe this money. Citi Cards was wrong I sent paper work requested showing that i was charged twice for same service Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither XXXX or greensky has made adjustments to my account. They are still reporting that I owe a balance which is false information.
Product: Debt collection

This is the last negative on my credit report after winning a court case against XXXX XXXX bank who's Bi-lingual tellers were running a frauduent ring of crime from car stereos to even mortgages. I have contacted them multiple times. They moved from XXXX and sold it to another out fit called " XXXX XXXX XXXX XXXX XXXX '' and then it finally ended up with Security Credit Services. After doing my homework i quickly realized that all three business are using the same answering machine service with the same message that states they are too busy assisting other customers and to please leave a message. I left 10 messages and was never contacted then I sent a threatening email to them and they responded giving me the same phone numbers I had already been calling in a constant phone loop, They then told me they couldn't handle my case and then i said you need to remove it from my report and they said they had no way to anymore ( and I was even willing to pay it i'm trying to buy a house ). So they are running a complete racket and you will not be able to get a hole of anyone and if you sign up on their website you will be able to see your old debt but you can take no action because its been sold to security credit services who is NOWHERE TO BE FOUND OR CONTACTED!
Product: Credit reporting or other personal consumer reports

Affidavit of Facts State of XXXX XXXX of XXXX I, XXXX XXXX XXXX, being duly sworn, depose and state the following facts under penalty of perjury : XX/XX/XXXX TransUnion Consumer Solutions Re : Dispute of Credit Report Information and Violation of FCRA Rights File Number : XXXX multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My previous attempts to resolve these issues have been unsuccessful, and I am deeply concerned about the mishandling of my identity theft claim and credit report disputes. Failure to Block Information Resulting from Identity Theft : On XX/XX/XXXX, I submitted a complaint to the CFPB against TransUnion, which included my FTC Identity Theft Report, state-issued Driver 's License, Social Security XXXX XXXX and detailed reasons for dispute. Under XXXX XXXX. XXXX, you were required to block the reporting of information resulting from alleged identity theft within XXXX business days of receiving this information. You have failed to do so, violating this crucial protection for identity theft victims. Violation of Reinvestigation Procedures : Your failure to properly investigate and resolve my disputes within the required XXXX timeframe violates 15 U.S.C. 1681i ( a ). This section mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Your repeated failures to do so, coupled with your inconsistent communications about deleted items that still appear on my report, demonstrate a clear violation of this XXXXequirement.6 Misleading Communications : You have repeatedly sent me conflicting information about the status of my credit report, including notifications of deleted items that continue to appear on my report. This practice is deceptive and violates the FCRA 's requirement for accuracy in reporting. Failure to Provide Investigation Details : Despite my requests, you have failed to provide details about your investigation process, including the methods used and the parties contacted. This lack of transparency violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires consumer reporting agencies to provide a description of the procedure used to determine the accuracy and completeness of the information. Denial of Arbitration Request : Your refusal to accept my verbal notice of intent to file for arbitration is concerning and may violate my rights under your arbitration agreement.. I remind you that TransUnion has previously been subject to enforcement action by the Consumer Financial Protection Bureau for FCRA violations, including failures related to security freezes and locks. Your actions in my case suggest ongoing compliance issues that may warrant further regulatory scrutiny. Be advised that your continued failure to address these issues may result in legal action. The FCRA provides for actual and punitive damages, as well as attorney 's fees, for willful noncompliance with the statute. I await your prompt response addressing each of the points raised in this letter.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX. In XXXX they failed to report a student loan payment I successfully made to the credit agencies resulting in an UNJUSTIFIED XXXX XXXX decrease in my credit score. I wrote letters, called, spoke to the credit agencies who all pointed me back to XXXX. This was never corrected. XXXX agreed I paid successfully. Experian reported XXXX did not report the payment. I am submitting for the recent settlement for affected borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account capital one, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written + instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card 337 account under an open end consumer credit plan as late for and purpose.

2955
Product: Student loan

My issue with XXXX XXXX is with obtaining the qualifying payments that I have made as it relates to my PSLF  approval. I was approved for the PSLF program in XX/XX/XXXX and received aa welcome email from XXXX XXXX  advising me of the PSLF approval and that my loans would be transferred and serviced by XXXX XXXX. 

After 4 months of payments I noticed that on my statements and my online profile, there were no qualifying payments listed for me on my account. I sent an email on XX/XX/XXXX and received a reply advising that they would be updating the profile with the qualifying payments. 

On XX/XX/XXXX, I sent another request advising that the payments had not been posted and received a reply email advising that they would soon update the account to include the qualifying payments. 

On XX/XX/XXXX, I sent another email request to advise that no qualifying payments had been updated on my account. I had not received a reply to this email and have waited month after month for the account to be updated with no avail. 

This week I plan to forward my annual application so that my employment at a non-profit can be verified. Please advise on what my next steps should be and if I can receive some assistance in having the account updated to reflect the qualifying payments.
Product: Mortgage

We applied to Navy Federal Credit Union for a preapproval mortgage loan. They offered a service to put us in touch with a realtor. The process for the loan went good at the beginning. Then the loan officer never called or kept us up to date on the process. So I decided to call and found out that our application has expired and our credit report. No word from NFCU on this situation. Pretty sure they didnt expire the day I called. Terrible customer service. There is no telling what else has expired. I talked to our loan officer and he couldnt answer why no one in his office hadnt called to let us know about the lapse of both items. I dont want other veterans to go through what I went through. NFCU is doing a disservice to veterans and should be exposed for this type of treatment.
Product: Credit card or prepaid card

I received this card as a reward for purchasing XXXX XXXX dog food. The card expired on XX/XX/2018. According to the cardholder agreement, although the card may expire, the funds never expire. I contacted XXXX on XX/XX/2018 to receive a replacement card, which per the cardholder agreement, would be sent free of charge because it wasn't lost or stole, but expired. I was told during said phone call, that this card expires and the funds expire, despite the two documents stating otherwise.I also have been trying to file a complaint through this website since XXXX, but have been getting a constant error message.
Product: Checking or savings account

I have no clue what happened i just know they said they are closing my account for risk no explanation given. I told them they have to give me a reason by law and they still wouldn't. My account is in good standing and I have no clue why they would close my account. I have XXXX account XXXX joint and XXXX single account
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in clear violation of the law, under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 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.

I have not given this person any written instruction to furnish this information on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This agency is in violation of 15 USC 1681.
Product: Credit card

I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here.
Product: Debt collection

Hello, I became a customer of XXXX because they claimed to offer great service and internet access in an area with few other options. A representative came to my home and ensured me that I could try their new product risk free. If it did not work well, I could return it and not have to pay single XXXX. I tried their mobile internet XXXX service, all in XXXX, hotspot. It unfortunately did not work well in my home, and I requested a cancellation. This should have been a simple return. 

In the documents attached, I have an official email correspondence dated XX/XX/2024, titled " XXXX, XXXX been charged for unreturned equipment. '' It reads " Since you havent returned the XXXX XXXX XXXX equipment shown below, your account was billed as per the details below. Dont worry. Well issue a full refund if you return this equipment within 30 days of this email Equipment Description : XXXX XXXX XXXX XXXX Cost if unreturned : {$200.00} " This email is dated XX/XX/2024. This means XXXX explicitly states, in an official communication that they will issue a full refund if I return the equipment within 30 days of XX/XX/2024, the date of the email. 

On XX/XX/2024, which is 1 day after the email stating the charges. I received this official communication titled " XXXX, XXXX received the XXXX XXXX XXXX equipment. '' It reads : " XXXX received the XXXX XXXX XXXX equipment that you returned, so you will not be charged back for that equipment. 

Equipment returned : XXXX XXXX XXXX XXXX '' This means that XXXX received XXXX equipment within 1 day of the email stating that I had been charged. This falls well within the XXXX window of the email from XX/XX/2024, for a full refund. 

In their own words, " Dont worry. Well issue a full refund if you return this equipment within 30 days of this email. '' This email referencing XX/XX/2024. XXXX, I returned the equipment to you well within your window, so now you need to do as you state in your official correspondence to your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On or about the XXXX of XXXX, my d debit card was stolen, and a {$60.00} purchase was made at a XXXX service station on XXXX. Probably a youngster because who else makes groceries at a service station. But anyway, a {$60.00} credit was added to my new card on the XXXX of XXXX, then it was taken off. Then on the XXXX. You'll see that they gave it back to me. Turned right back around on the XXXX and took it out. Things ran smoothly for a while then on the XXXX of XXXX. Oh my XXXX! {$300.00} in {$60.00} increments, came out of my account and began to be deposited on to all of the cards that I no longer use! Leaving me at a negative balance of {$53.00}. And my account had never been negative before! Sir or madam. I JUST WANT MY MONEY BACK INTO MY ACCOUNT! Thank you and have a blessed day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Despite repeated requests to cease contact to business phone number, attempts to contact my wife, leaving message about debt, continue.
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 : # 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 an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report 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: Checking or savings account

I had deposit my uncles check from work because he is not going out because the virus check was clear in my account now the account is frozen and I cant do nothin in my account. We contacted his boss and the check was clear in his bank and he send email with check crear on his end. I really need help Im also getting my irs refund anytime and bank told me they will hold that also and that they could hold it for 2 years.
Product: Credit reporting or other personal consumer reports

I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section XXXX & section XXXX ( a ) ( XXXX ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined