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

n accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00}
Product: Mortgage

Paymap Inc. issued me a {$240.00} reimbursement check due to the practices regarding the Equity Accelerator Plan. I thought this was junk until I gave Equity Accelerator a call regarding adding their services back to my mortgage because I canceled it a year ago, that 's when I was informed by their automated system of the refunds. I went through old mail that I have to shred and found the check. The check is not valid so I am asking for Paymap to reissue the check. I called Paymap to reissue the check and was told the deadline was XX/XX/2016.
Product: Checking or savings account

A Citizens bank account was fraudulently open in my name back on XX/XX/XXXX XXXX XXXX I called to resolve it and was told they would flag my account as fraudulent and I was informed that it would not be able to be open again. I got an email today XX/XX/2022 asking how my recent experience was with Citizens bank. I called them today after seeing the email and the representative told me that I never had a bank account with them. When I read the email address back to them from previous emails about opening an account they confirmed the email address was from Citizens bank. I do not want to bank with them and would really like for this fraudulent account be closed. I have worked hard to maintain a good credit score and I am a week away from closing on my house I can't have this on my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. XXXX XXXX XXXX WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR BMG LOANS AT WORK LLC.

1

5 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such fin ancial institution clearly and conspicuously discloses to the consumer, in
writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Student loan

I have a multiple federal student loans serviced by nelnet. They were transferred to nelnet in from Great Lakes in XX/XX/XXXXXXXX Under Great Lakes from XXXX, my loans continued to accrue and deduct interest from my payments during the XXXX student loan pause. I attempted to address this with the lender in XXXXXXXX but received no response and was not aware of this reporting system. In XX/XX/XXXXXXXX XXXX my student loans were placed in administrative forbearance and told that my student loans would not accrue interest. As of this date, my student loans are still accruing interest. Despite them marked in forebearance and the emails stating they were not be charged interest. Please let me know if more information is necessary.
Product: Debt collection

Quall Cardot removed {$2500.00} from my savings account from a XXXX XXXX credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.
Product: Credit card or prepaid card

during the covid-19 pandemic my state issued me a prepaid card to fund my cares act. the company www.goprogram.com never sent me card, or it was sent to a wrong address. the only way to access the program or order a new card, is to have the original card number, ( i never received a card so how can i know the number? ) ( i never received correspondence from the go program company, so how could i know my pin? ) All this same info is required when you call them, and if you do not have this info the system will hang up on you. You also need this info to do ANYTHING online, again i NEVER received a card, therefore, how do i know my card number? or even how would i be able to even set a pin? there is no possibility of any customer service, and there is money on the card that belongs to me, that i need! i can not access this government money. I can not speak to any one, i was able to switch my payments to direct deposit, but not before payments where added to that card, i need that money i need a new card, i have sent a hand written letter to the company weeks ago, with no response, so i need to file this complaint, i am worried about other citizens that can not access the money, due to clerical errors and disregard for human customer service at this company " Go Program '', i implore you to try your self Call XXXX, try to see if you can speak to someone regarding a lost card. you won't
Product: Credit card

I am filing this complaint against Wells Fargo for improperly disclosing my personal financial information in response to a complaint I submitted regarding interest fees ( COMPLAINT ID XXXX ). 

Instead of addressing my original concern, Wells Fargo shared details of my purchase transactions that were completely unrelated to my complaint. These details should have been redacted before being disclosed. This action violates my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) and CFPB consumer protection guidelines. 

Why This Matters : Unnecessary disclosure of private financial details : The disclosed information had no relevance to the complaint and should not have been included. 
Failure to follow proper redaction procedures : Wells Fargo should have ensured that only relevant information was shared. 
The unauthorized disclosure of financial data raises concerns about Wells Fargos handling of sensitive customer information.
Product: Debt collection

Radius Global Solutions LLC XXXX XXXX XXXX SYSTEM XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows incorrect and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. 

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. 

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Product: Credit card

The credit card company has increased my annual fee and increased a monthly maintenance fee and has a high interest rate. It has not offered me any way to close the account without having to still pay the monthly maintenance fee. I want to be able to close the account and not pay a monthly maintenance fee and an annual fee. I understand I have to pay the remaining balance with interest, but I am not going to pay an annual fee and a monthly maintenance fee on a closed account that I was not given the opportunity to get out of. It's fraud.
Product: Checking or savings account

BBVA closed simple bank accounts with a severely inadequate plan in place. It's been 2 days and members can't access their accounts. This is completely unacceptable and needs to be addressed. The special customer service line simply either hangs up on you or connects you to a person who can't hear what you're saying and then hangs up.
Product: Money transfer, virtual currency, or money service

Unexpected Fees That I Know Nothing About And It Causes Me To Be In The Negatives. Recurring Payments Be Taken Out & & I Dont Know Anything About Whats Being Taken Out.
Product: Debt collection

I getting almost daily calls from this agency, threatened and tried to garnish my XXXX benefit, I am still XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, a payment to a CapitalOne Credit Card was submitted late. At the time of that my APR was 23.24 % and the card balance was {$15000.00}. Since then, CapitalOne - without any notice - increased my APR to 31.65 % and applied this new APR to the entire balance that was there prior to the increase. That is a direct violation of the Credit Card Act of 2009, as creditors CAN NOT increase APR without first providing written notice of it, and this new APR can only be applicable to any new purchases since the date of the increase. Lastly, an account must be delinquent for over 60 days for a creditor to be able to increase APR on said account. I have tried to resolve this issue directly with the creditor since, however to no avail.
Product: Money transfer, virtual currency, or money service

I transferred money both through online banking and teller transfer with bank of America to another bank of america account which later turned out to be fraudulent. I filed a police report with the local police department and there is warrant out for the persons arrest with that account. I filed a claim with bank of america and they didn't do anything about it. I called again to the police department and they said file a complaint with bank of america because they should do something about it
Product: Credit reporting or other personal consumer reports

My car history reports have been misrepresented and for having no fault of my own. I have had two accidents in the past, both of them were not my fault. I had two cars. Both were insured with XXXX. The first accident was when I was while driving my XXXX XXXX on XX/XX/year> and got hit by someone who had no insurance. That is showing as not my fault. 
The other one was on my parked XXXX XXXX. Someone had crashed into my park car, which went into total. That one is showing as my fault. This has damaged my insurability and raised my insurance. 

I have not been able to talk to LexisNexis over the phone. I need some way of communicating with them. I am willing to go to physical office to dispute this. I live in XXXX, AZ. I need help connecting with them in person or over the phone. I can only receive messages to go to their website and fill out forms, which I have done it. 
I have received a mail with to go to link https : XXXX But, when I to that link, it gives the message, " Page not found ''
Product: Credit reporting or other personal consumer reports

I am shocked these teams are on my credit file! No wonder Equifax and XXXX is being sued in XXXX because you out inaccurate information and fraud stuff on people report of XXXX XXXX. Remove these XXXX accounts I have no idea who the owner is! I will sue because of deformations remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXXs they have not been reporting accurately to XXXX  or equifax. On my report it shows I still owe XXXX and I actually have a XXXX balance. XXXX XXXX says they would fix it and then today XX/XX/XXXX they reported again to XXXX with wrong information further dropping my credit score. I have disputed this several times with equifax and XXXX and every time XXXX XXXX says their info is accurate. I called equifax and they said it was up to XXXX XXXX XXXX to report accurately.
Product: Credit reporting or other personal consumer reports

I appreciate it that a lot of fraudulent items were removed. However checking my updated credit reports that I purchased through XXXX, I found that there were new unknown items that appeared in my credit reports, I saw that there were still a couple few items that I previously disputed that still needed to be removed in my credit reports. To hasten the process of removing these items, I listed them per bureau for you : 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 XXXXXXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ________________________________________ Account numberXXXX Date opened XX/XX/year>XXXX XXXX ________________________________________ Account numberXXXX Date XXXX XX/XX/year> XXXX XXXX XXXX ________________________________________ Account XXXX Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX ________________________________________ Account XXXX Date opened XX/XX/year> XXXX XXXX XXXX ________________________________________ Account XXXX Date opened XX/XX/year>XXXX XXXX  ________________________________________ Account XXXX Date opened XX/XX/year> 2022
Product: Credit reporting or other personal consumer reports

I woke up this morning and to my shock, found that inaccurate accounts had appeared on my credit report, and Im completely baffled as to how this could have happened. I regularly check my report, but this time, there were these unexpected errors that just came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The incorrect accounts were still there. Now Im really hoping that the documents I've provided will be examined thoroughly so I dont have to stress about this again in the future.
Product: Money transfer, virtual currency, or money service

Hello good afternoon! 
I got scammed and sent money through Zelle to the scammer and was not able to reverse the transaction in the amount of 2000 XXXX 

I spoke to the bank and Zelle fraud office and all they said is " we filed a claim '' there is nothing else they can do! 

It's a lot of money and I need to pay bills!!! 
please let me know if you can help. 
thank you!!!
Product: Credit card

On XXXX XXXX, 2015 I ordered several clothing items on XXXX under order number : XXXX. I only received some of the items ordered and when I called to inquire about the XXXX items that were missing, I was informed that instead of those items being sent to me as planned, the items were routed back to the distribution center inadvertently. I was further informed that I would receive a credit for the items that were not received and that if I still wanted the items not received, I would need to place a new order for the items that were not received. I informed the clerk that I still wanted the items not received and she told me that XXXX of the items was no longer available. She then proceeded to place a new order for the XXXX items that were never received ( minus the item that was no longer available ). The new order was placed under order number : XXXX. I was told that I would receive credit for XXXX items never received and that Macys would need to bill me again for the XXXX items on the new order. To date, my account still reflects a balance that includes the XXXX items never received XXXX the charges for the new order. As such I have paid for XXXX of the items from the old order XXXX and have also paid for the item that I was told was no longer available and never received. Each time I call Macy 's about my account, I am told that a credit back to my account for {$180.00} is being processed, but even now, nearly XXXX months later the promised credit has not posted to my account. In the interim, I am being forced to pay interest on a balance that is more than my original order until the issue is resolved. Thus far, Macys has been unable to offer a resolution and each time I call they promise a resolution in another 7-15 business days just to get me off of the phone. I feel that Macy 's business practices are unlawful and unfair to consumers and would like to have the matter further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : $ XXXX ; XXXX XXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) CAPIT-XXXXXXXXXXXXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX.
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 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 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.

PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency