23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A scammer used XXXX ( XXXX ) to catch me. 
Was selling " XXXX parts ''. 
I sent money via ZELLE through my banking app for the amount of {$290.00} to XXXX, on XX/XX/2023 Claimed to be in XXXX, XXXX, CA and needed more money for customs etc. 

I sent another {$200.00} via ZELLE through my banking app to XXXX on XX/XX/2023 This scammer then used a website, ( XXXX XXXX XXXX  ) to create tracking information ( very generic information ) using this as the sender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the " items '' made it to my state, I got this massive text message claiming I had to pay another {$450.00} " refundable '' charge and fill out some form, for the local authorities to release my packages. This is when I knew I've been had. That just doesn't happen. 

According to my bank and ZELLE XXXX contacted XX/XX/2023 ), any payments made through ZELLE is like handing cash to someone. Literally zero protection against scammers. I then had ZELLE report the email address I sent money to as fraudulent. 
Other than that, there's no actions that have taken place by either ZELLE or my banking institution. 

I still have all messages/interactions if necessary/needed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTs? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a derogatory mark on my TransUnion credit report from XXXX XXXX in XXXX XXXX, Minnesota regarding an XXXX XXXX XXXX XXXX account. This account is the responsibility of my ex-wife as documented in my divorce decree from 2016. A copy of the divorce decree was provided to both XXXX  XXXX and TransUnion. However, they declined my request for removal of the derogatory remark. I am not legally responsible for this debt so there is no reason for my credit report to be affected by this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries with no consent and no gain. Please remove immediately and mail notification to address on file
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to make disputes on my credit report and Experian is refusing me access asking me to download postal mail in a form to have a postally mailed credit report sent to me so I can mail it back to them and dispute. They are making it difficult to be able to make disputes on my electronically received credit report I just got XXXX XXXX efforts and not removing errors that have been removed from other credit reporting companies. Effectively keeping my A+ credit looking very damaged at this own XXXX reporting company and its costing me a lot of money and time in many ways
Product: Checking or savings account

XXXX sent and received have been delayed I have had many issue Twice I didnt receive my funds and whe I called the company they stated that it says pending so they can not do anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrectly Reported Collection Account XXXX XXXX, XXXX Dear TransUnion Dispute Team, I am writing to formally dispute the reporting of a collection account on my credit report. The account in question is with XXXX XXXX, XXXX, and it is being incorrectly reported as open on my credit file. This is inaccurate and should be corrected or removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), all information on a credit report must be accurate and up to date. Since this collection account is not an open account, its current reporting is incorrect. I am requesting that TransUnion investigate this matter and update my credit report accordingly by either correcting the account status or removing it entirely if the reporting is invalid. 

I have attached the following supporting documents for verification : A copy of my identification A utility bill for address verification A copy of my credit report highlighting the incorrect entry I request a written response confirming the resolution of this matter. Please contact me at ( XXXX ) XXXX or XXXX if further information is needed. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well TransUnion thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes
Product: Vehicle loan or lease

XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. 

I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX account ARS ACCOUNT RESOLUTION S account number XXXX date opened XX/XX/XXXX balance {$1600.00} and XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. 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 an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.
Product: Vehicle loan or lease

I bought a used car and was making payments fully paid off the car in XX/XX/2023 And the bank will not send the XXXX to me they even said if I called again they wouldn't send it at all and would block my number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO CONTRACT with XXXX or XXXX and Experian has failed to remove these unknown medical accounts that they are reporting on my credit report. When I disputed the unknown medical account with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX and with XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX as per instructed in your response to which had no valid response.
Product: Debt collection

Sacfo has not provided me with proper disclosures persuant to XXXX XXXX XXXX - XXXX of opt out notice to consumers ; opt out methods. 

I gave Safco clear requests to stop furnishing inaccurate information via recent complaints. Now that this company recognizes my cease and desist Safco still are not following the XXXX laws of the FDCPA & FCRA acts. Safco continue to affilate share my personal infromation on public servers, platforms, and websites. Other violation include : - Charge off accounts by law should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX company. Company received profits from account. 
- No transactions or experiences are allowed to be on the consumer report. 
- Income is forbidden to be on the consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX. 

I have the right to recisson pursuant to XXXX XXXX XXXX. Before damaging my creditworthiness Safco should have taken first dispute as clear indication. 

- This is a charge off account by law there should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX you. You received profits from this account. 

-No transactions or experiences are allowed to be on the consumer report income is forbidden to be on the consumer report XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX XXXX 

Also I believe I was charged a XXXX XXXX forebidden by law. I have the right to arbitrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recurved my credit report and I noticed unauthorized items that shouldn't be on my credit report
Product: Checking or savings account

I have an charged off account and I had another bank accidentally deposit to the charged off account. I called and they said the deposit was rejected and sent back to the bank that sent it, but a week later I got a notice in the mail saying they used the money to cover the remaining balance. Not only was I lied to, but when I called they said there was nothing they could do about it and that the person I talked to was incorrect. 
I'm working in a certain order to pay off my debts, I needed that money to help stabilize me until I do so.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to file a complaint against EQUIFAX concerning formally ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On 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 Despite providing supporting documentation that substantiated my claim, EQUIFAX responded in XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
Despite my attempts to resolve this issue directly with EQUIFAX through certified Mail, my concerns remain unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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.

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX XXXX Account : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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

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

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX XXXX UNAUTHORIZED CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/1991
Product: Credit card or prepaid card

On XX/XX/XXXX {$90.00} & {$750.00} I purchased passes for a convention that was in XX/XX/XXXX & it was cancelled and the company did not give any refunds so I disputed this. 

Barclays said that the merchant responded saying they did not break terms and conditions - at the time I also disputed three other charges for the same event but used 3rd party payments so I learned I have to dispute through them & I believe they were the merchant that responded stating this. 

XXXXXXXX XXXX does not have any active emails or phone numbers so there is no way Barclays could have contacted the company- so that the merchant responding does not make any since. 

I have been trying to receive my money back since XXXX and now they say its out of the period when I just found out in XXXX about the 3 that I have to go through the third party. 

The other 2 were not through a third party and Barclays directing paid XXXX XXXX on my behalf.

Again since the convention did not happen I did not receive anything for my payments & I do not believe these two charges of {$90.00} & {$750.00} are being looked into enough to deny me my money back. 

I have attached my letter from Barclays shouting the difference in names of charges & the email about the event being cancelled ( although it does say refunds would be happening they have not and its been Six months )
Product: Student loan

Mohela has discharged some of my loans, but in doing so has taken the remainder of my loans out of Administrative Forbearance. The remainder of my loans should still be in Adminstrative Forbearance per the request I made on my Borrowers Defense Application ( s ). 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!