23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. 

As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX  and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Full Beauty claims I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with XXXX and in two days they claim they verified with Comenity that I opened the account. I did not open, nor use, such an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Triple reporting one set of XXXX Loans.. I have contacted the Original creditor any they informed that these loans are with a collection agency.. I provided screenshots of said accounts. US DEPARTMENT OF EDUCATION 2 times, US DEPARTMENT EDXXXX, XXXX XXXX XXXX SYSTEM 2 TIMES... THESE ARE THE SAME account that is current closed and with a collector. I have filed two disputes with TransUnion concerning this and they have yet to amend this ... Also I have mentioned that the address below is not mine and they have not removed it in VIOLATION OF THE FCRA. Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

In XXXX, i was informed that someone was trying to use my card despite the fact that I hadnt seen my card in months. I was told not to worry and that i would receive a new card. While waiting on a new card, my bill was due, and I could not pay it. I have screenshots of the app that I use to pay my bill telling me that my balance was XXXX and I couldnt pay it. However, I never received my new card and was charged a fee. Now my account is over my limit, making my minimum amount due about 4 times higher than normal. The next month i attempted to call them to report this because it wasnt my fault they were experiencing issues with their app, and she said they were having issues at their headquarters so she couldnt even use the computer to pull up information. This caused another month to go by, and i wasnt going to pay {$200.00} where i would normally pay XXXX $ for something that wasnt my fault- so now thats TWO missed payments because theyre having difficulties, and its showing up on my credit report, and anytime i call them, no matter which device i call on- the automated system can not hear my responses or when i dial a number to indicate a response- and neither can the live representatives. My next payment is due TODAY & I will have another missed payment and increase in minimum payment. My credit score is suffering, and my minimum payment is over {$350.00} now, because theyre having difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX, A Division of First Tennessee Bank NA has purchased insurance for my house and has sent me a bill for the insurance. I have had continuous insurance coverage for this house and I have provided proof of insurance repeatedly. The Bank does not provide an email address to track and resolve the problem. This problem has been going on for months. I have contacted my local insurance agent who has contacted my insurance carrier and confirmed that the Bank is listed properly on my policy as mortgagee and on the Certificate of Insurance and notice has been mailed as requested.
Product: Debt collection

My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP.
Product: Bank account or service

My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against GreenSky, the complaint has now been closed, however in the complaint they agreed that I was owed money and credited my account, however I was not refunded and because I did not want to incur additional charges I paid them in full. I believe this disputed amount which they sent a bill showing the credit, should be refunded to me. When I called they advised they XXXX  the account due to payment In full and the account is now closed. However since they agreed the disputed amount should be credited to my account I am not understanding why they have not refunded me.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification. 18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses. ( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

How is XXXX reporting my information when there is no contractual obligation between me and XXXX? My information should be protected against any breaches. XXXX please show me the law that shows you must report anything to a person 's consumer report. 
The law says you MAY report and the consumer must give permission.

15 USC 6801- Protection of Non-public personnel information. The law says that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers
' non-public personal information.

15 USC 16802 obligation with respect to disclosures of personal information. 15 USC 16802 ( b ) Opt-out - A financial institution may not report Non- Public personal information to an non-affiliated third party unless there was 3 disclosures sent to me before the information can be exchanged and the consumer must agree to it. 

so XXXX what do i need to do so that my information does not get reported.

15 USC 1692 CC in writing a consumer can refuse to pay a debt collector.

15 USC 1681 ( b ) 2 permissible purpose - There must be one permission written consent from the consumer and they must have a legitimate business reason or government/ court order but without those, they can not pull the consumer report. the law clearly states " A person may furnish in accordance with the written instructions of the consumer to whom it relates.

If consumer reporting agencies can not share information without written permission, so how did XXXX XXXX and XXXX XXXX get my information? Also when they got it, who gave them permission to share it with a consumer reporting agency?

Identity Theft 15 USC 1681 Q - obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on title 18.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Vehicle loan or lease

i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite having used Zelle extensively and reporting discrepancies on multiple occasions, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was infeasible. The CFPBs findings underscore Zelles failure to protect consumers and its allowance of repeat offenders to exploit the system, leaving users exposed to fraud and scams.
Product: Payday loan, title loan, or personal loan

I currently have an open loan with Mobiloans an online lender, I received a loan from this lender for XXXX $ on XX/XX/XXXX and have been making biweekly payments XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX, XXXX $ XX/XX/XXXX which has been ACH debited from my account, I have paid XXXX $ to date XX/XX/XXXX, this loan is illegal in my state of CA and I want to pay what is owed on principal XXXX $ and the debt considered paid in full and have this account closed.I sent them a written notice making them aware of this and they have refused.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit card

Best Buy/CNBA card XXXX opened in my name XX/XX/year>. There was {$1200.00} charge on the card on XX/XX/year> which I did not make. I was alerted by XXXX XXXX regarding the opening of the card and I submitted a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

As outlined in the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), there is a critical need to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to protect my private information from being shared, as supported by 15 USC 6801, which states that Congress has established that financial institutions have a continuous obligation to honor their customers ' privacy and safeguard the security and confidentiality of nonpublic personal information. 

TRANSWORLD SYSTEMS INC., as a financial institution, falls under this definition. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily with the written consent of the consumer involved. Neither TRANSWORLD SYSTEMS INC. nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to share this information, and I have not provided any written consent. Any previous consent given to XXXX, XXXX, or XXXX, or TRANSWORLD SYSTEMS INC., whether verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) indicates that a financial institution can not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. I was never informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting certain adverse information that predates the report by more than seven years without proper authorization. This account is being reported as adverse information without my permission, which is unlawful.

Moreover, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), no person should furnish consumer information to any reporting agency if they know or reasonably believe that the information is inaccurate. According to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit consumer report furnishing to the purposes outlined in section 1681b. Clearly, XXXX, XXXX, and XXXX are not adhering to reasonable procedures. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am formally opting out of your reporting services.