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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX CB Indigo/ GF Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been in contact with my bank several times about this matter. I was scammed with money orders that were fraudulent. I was given them by someone I was " hired '' to work for. He made me deposit the money into my account and buy XXXX for him. I was manipulated into doing this multiple times and now my banks says I'm liable for {$9000.00}. I can't afford to pay that money and they already took away some of my own hard earned money. I shouldn't have to pay them this money. I am the victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error :
Product: Credit card or prepaid card

On XX/XX/2020 I booked a hotel in XXXX that required full prepayment. Before making the purchase, I logged into my Chase credit card account to do research about whether my account charged foreign transaction fees or not. The decision I would make on which credit card to use for my purchase was contingent on this information. 

I logged into the website and, while still logged into my account, I navigated to the " Things You Can Do '' menu, selecting " Card Benefits '' as the option. 

Doing this opened a new window, seemingly outlining all of the benefits of my card ( since this was auto-navigated from the card benefits section of my logged-in menu selection ). 

From there, I continued my research selecting " Travel Benefits '' from the page 's menu. Upon clicking that option, the first benefit highlighted was " {$0.00} Foreign Transaction Fees ''. Upon reading this, I decided to use my Chase card to make the purchase, confident that I would not be charged a foreign transaction fee for doing so. 

Imagine my surprise when on XX/XX/2020 I noted a {$210.00} foreign transaction fee for the hotel prepayment. I immediately sent Chase a message via their secure messaging center asking them to remove the erroneous fee. They responded saying that my card did, in fact, charge a fee of 3 % for any foreign transactions and so the fee was correct. 

I replied, explaining that the website clearly showed there was no fee for my card. I also sent screen shots of the navigation steps that I took to arrive at that information. They informed me that the links took me to the wrong card type, in spite of the links opening from my own account page. They apologized for the mis-information but would not reverse the fee. 

I insisted that this was an error on their side given that I made a logical determination of an action based on the information their own website provided me but they will not refund the fee. 

My position is that this is clearly misleading and intentionally providing consumers with incorrect information about their fees for their cards. No reasonable person would assume that by seeking out cardmember benefits from their account page while logged in would be directed to a page about a different type of card with different fees. Further, in spite of the fact that I've informed Chase of this mis-information and broken link, they still have not corrected the information. This leads me to believe it is intentional and that other consumers will fall prey to the same error as I have This is unacceptable and action should be taken immediately.
Product: Credit reporting or other personal consumer reports

Trans Union would not allow me to log in or change my email address as I could not access my old email. I was forced to opt for the text which proved unproductive as they required authentication. I attempted to call TU, every minute bot kept asking me to hold or they would call back. After 10 minutes I finally gave in and selected option 2 to call me back. Then the bot kept repeating my phone number and asking me yet again to enter it without acknowledging. They keep adding information for two XXXX loan servicers - XXXX - XXXX XXXX  and XXXX XXXXXXXX. I have disputed these numerous times yet they keep removing then adding back. My dispute statement which they only allow a one sentence response and do not offer a box " all of the above : '' " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in 2019 or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' Experian After logging in, XXXX would not allow me to change my email address or phone number for disputing credit information. Their phone system also would not allow me to talk to a human or submit feedback regarding the dysfunctionality of their site, which appears to only be used for ads to get people to purchase their products, WHICH IS A HUGE CONFLICT OF INTEREST. The button was faded and would not allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to XXXX  - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CHXXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to tranunion - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : 1 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to experian - 1. The following personal information is incorrect Account Number : Also Known As : XXXX A XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX FL 1 XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 B2 company has also no permission to put anything using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Alternative Collections, LLC, which also does business as Alternative Collection XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.
Product: Credit card

Misled on credit terms ; paypal credit advertises special financing but makes no mention of it 's applicable time frames and whether or not it 's applicable to a current purchase.
Product: Payday loan

Despite being set up to make payments through direct payroll, the lender continues to withdraw from my checking account. On XXXX/XXXX/15 after daily NUMEROUS threatening calls, and voicemails I was connected to XXXX the manager who was able to resolve the double payment issue and credit my checking account within 1 hour. On XXXX/XXXX/15 the lender was paid through payroll and again withdrew from my account. Throughout the month of XXXX I was told the payment was not received through payroll but for a specific dollar amount this could all stop/go away. On XXXX/XXXX/15 the amount was {$180.00} to make it all go away. I said this was not a viable solution and that I had been assured by XXXX she would personally oversee my account. Also on XX/XX/XXXX I was told by XXXX that XXXX was not in the office but if I did not want to settle for {$180.00} ( this is in addition to the XXXX x XXXX paid on XX/XX/XXXX from payroll and withdrawal from checking ) he would have her assistant reverse the bank withdrawal. As of today I am still missing funds. Throughout this ordeal I have been lied to - XXXX claiming to be XXXX a supervisor on a subsequent call. XXXX to whom I spoke with on Sat. XX/XX/XXXX - she said she could not help. then on XXXX XXXX I was told I would be transferred to XXXX 's assistant and that she could reverse the withdrawal from my account. I was transferred to XXXX - she immediately dropped my call. I am not sure what the scam is but I have been harassed, lied to and insulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all the other companies that where fraudently used to try and receive credit lines with my stolen identity. I contacted this organization and was immediately treated rudely, shut out, hung up on multiple times and then finally got in touch with a girl who gave me some information which then lead me to where I am at now with knowing who is responsible for the identity theft, I want this company to remove all inquiries and send any and ALL information including the application, any info used by the identity thief to open an account with them, I have reviewed this company and found very shady reports. I need this information not only to fix my credit report and have them remove the inquires but to move on with a criminal case in which I believe is a lot bigger than just me. The company and people ( s ) involved run a business where they take pictures of credit cards and licenses during their " Transactions ''. I want my dignity back, I want my hardly earned credit score back and I want these criminals to be held responsible for their actions. I certainly believe this company has a lot to hide. For now I am concerned with me, I need their inquires removed from my report and any and all information used by " ME '' ( the identity thief pretending to be me ). You guys have been such a big help and I hope you continue to be so because without a lot of evidence these local cops will not get out of their chairs or even look your way. Thank you so much.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX  XXXX XXXX XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXXXXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Checking or savings account

I deposited money at an atm ( more than {$800.00} at least ) and received no confirmation from the atm of how much it was, how much I deposited, or if the transaction was completed. It just spit my debit card out with no confirmation. No receipt. 

I knew something was wrong so I checked my account to see if the money was posted and it was not posted to my account. No pending transactions or anything. I called capital one to file a dispute but they wont tell me how long this will take to resolve. This is a gigantic problem for me because I have a mortgage, and that money is to pay my mortgage. My mortgage is due TODAY.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which CREDIT ACCEPTANCE failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Product: Checking or savings account

I have been a customer of USAA for 11 years. According to USAA records, someone called USAA pretending to be me and was given access to my account before withdrawing {$3900.00} from an ATM, which USAA reports is in XXXX XXXX. I live in XXXX, have not been traveling to XXXX XXXX, and did not lose my debit card. I was not in XXXX XXXX and did not provide any details regarding my account or personal data to anyone. I did not lose my debit card. My complaint has three components. First, USAA is refusing to refund my stolen funds claiming it was my fault and they are charging me overdraft credit cards fees to cover the stolen {$3900.00}. I do not see how this can be my fault if I did not make or authorize the ATM transaction. I need to stress, my ATM card data was copied and used for fraud as I had my current card,  which I rarely use, in my possession. The second part of my complaint involves the security of my account. The USAA customer service rep who started this problem did not properly authenticate during the call, allowed a bizarre debit card increase, which I didn't even know was possible, on the phone, and then allowed repeated large withdrawals from an ATM. All of these should of been flagged as they are clearly fraud. The third part of the complaint involves how USAA has handled this claim. Their customer services reps have lied to me reporting '' you are not responsible '' " Your account will be restored soon '' They are now taking money from my Visa card overdraft, and charging me overdraft fees to cover the stolen {$3900.00}. I have tried to remedy this situation for 2 weeks and its appears the situation is getting worse as they keep changing their story, charging me on the stolen funds, and have not even attempted to explore who stole my funds. I would be grateful if your team can help me resolve this situation. If its happening to me, I'm concerned USAA is committing this type of fraud with other clients who may be more vulnerable and unable to voice their concerns.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding zelle 's handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies. My financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle 's 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

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

EquiFax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Debt collection

In my previous dispute against TRANSUNION, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Was a court order issued or was my written permission given to furnish these fraudulent accounts? 

This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone representing XXXX XXXX and Experian contacted me spoofing the XXXX XXXX XXXX  stating that they could lower my credit card rate to 6 % after their review showing good payment history. Their names were XXXX and XXXX and gave me a callback number of XXXX, ext. XXXX. They knew what credit cards I had and my balances claiming that they had access as XXXX XXXX is the overarching processor for all credit cards.