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

150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ACCOUNT #: XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX


DEAR NAVY FEDERAL CREDIT UNION, 
THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX & XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I was fraudulently charged extra fees without being explained to what the charge was for. As well as a fraudulent {$1000.00} dollar down payment, a {$1400.00} dollar XXXX XXXX fee, a {$96.00} dollar roadside Assistance fee, and a list of other fraudulent fees adding up to {$640.00} dollars. And the vehicle interest rate to jump to 23.01 % that was not mentioned or explained to me. Resulting in the vehicle purchase price going from {$12000.00} dollars to {$33000.00} dollars.
Product: Mortgage

TCF Bank has been taking my additional payments on my mortgage and applying them as " future payments '' and holding them under the escrow account instead of paying down the principal of my mortgage. As of my statement dated XX/XX/XXXX I have {$17000.00} in my escrow account. This ammount is far and above what is necessary to pay for taxes and insurance. I have tried to get this resolved multiple times through the company. Here are the request numbers : # XXXX, # XXXX, # XXXX. After 3 attempts to correct this issue I get a letter from the tax and escrow department at TCF Bank stating they think they received funds in error and enclosed a check for {$6600.00}. There was no explanation or calculations provided as to how they arrived at this number. Also they have deducted this ammount from my escrow account on my XX/XX/XXXX statement from my escrow account. I have not cashed this check. 
I would like a full escrow analysis completed on my account. I would like all additional payments for the life of the loan to be applied to the pricipal of my loan and to have any interest charges I have paid as a result of this error to be reimbursed and put towards the principal of my loan.
Product: Credit reporting or other personal consumer reports

This is my XXXX  Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and XXXX that an item on my report status has changed. Capital One had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Product: Mortgage

My mortgage provider ( PHH Mortgage for XXXX XXXX Mortgage ) has repeatedly failed to apply payments I have sent to be applied to principal, to the principal, despite me following their process for designating extra payment to principal and refuses to correct the issue they caused. The most recent case of this was a payment of {$6000.00} I sent as extra payment on principal on XX/XX/2022. When I received my statement, though, I saw that PHH applied part of this as extra payment in principal, but used part as a monthly payment, and did not make my automatic XXXX payment withdrawal. I reached out to PHH twice ( most recently XX/XX/2022 ) to ask them to correct this. They say they can not, and suggested I instead just make another extra payment because of their mistake ( but that I am still paying interest on the higher principal since they did not apply my payment as they should have ) and will not provide information on how they will ensure my payments are applied correctly in the future. I want them to correct their mistake from the date my payment was made so that my principal reflects the payments I have made and to provide a clear assurance that they have processes in place to avoid future misapplication of my payments.
Product: Credit card or prepaid card

The complaint is against Venmo card services I made XXXX transfers XXXX for XXXX and XXXX the XXXX went thru the XXXX didnt they held the XXXX for days then told me to send photo Id in to verify identification did that then tell me thanks for Id but we are permanently deactivating your acct wont tell me why so funds are stuck they tell me they are holding my money for up to XXXX  days which is crazy XXXX XXXX XXXX XXXX XXXX  that money was left to me and my kids its bout to be XXXX time XXXX a XXXX  dad I just need some type of help or guidance on getting my funds if they keep acct close thats fine just need my funds to give my kids a XXXX  XXXX please can anyone help me please
Product: Bank account or service

I disputed fraudulent transactions on my Chase debit card. They initially credited {$110.00} and {$24.00} to my checking account, then reversed the credit. They gave no explanation for the reversal. Account number XXXX.
Product: Debt collection

In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.
Product: Credit card

On XX/XX/year> I received an alert from one of my credit card companies, US Bank, concerning my Master Card account. There were multiply charges from, XXXX, dated XXXX in the same amount of {$25.00}, and also more multiply charges for different amounts on XXXX, the bank ask that I confirm these charges if they were authorized by me. I called customer service to advise them these charges were not authorized. The representative filled out a dispute form and stated I would receive a " temporary '' credit to my account pending their investigation. I was also told my account would be closed and a new card with a different account number would be issued to me. I ask the representative if he can place an alert to flag my account if any more charges were made by XXXX, but I was told no, my only option is a new card. 
This is troubling to me because this is the third time my account was compromised. This is an inconvenience to me because it was an online purchase made in XXXX for {$9.00} at XXXX ( I do a lot of online purchasing ). Apparently some third party captured my card number and will continue to make unauthorized purchases even though I receive a new account number.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDENCE RESOURCE MANA XXXX Balance {$960.00}
Product: Debt collection

First started receiving fake medical bills, and now threats of reporting to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  – partial account number XXXX.  (Please see pages 12 and 13 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

I hired an attorney to help me apply for assistance in saving my home. My attorney provided Ocwen with everything they requested on XX/XX/2019. My attorney has been calling Ocwen and they keep telling him that they are working on it and it can take up to 30 days. We are now past the 30 day mark and I have heard nothing. Now when my attorney calls Ocwen their phone number does not allow you to speak with anyone. They say they are having technical difficulties. It has been several days now. My home has a notice of default already recorded and my time is running out. I believe Ocwen is in violation of RESPA Regulation X. They are required to make a decision on my application within 30 days and it has now past that point and they won't even pick up the phone.
Product: Money transfer, virtual currency, or money service

I have initiated a transfer from Wise Inc on XX/XX/year>. The money was supposed to have been deposited 3 days later. On XX/XX/year>, Wise informed me that their partner Bank, XXXX XXXX XXXX XXXX had paused the transfer, asking for additional details. They wanted to know what " XXXX '' in the reference field of the transfer meant. XXXX is my wife. I provided that information on XX/XX/XXXX, and since then, I've been unable to get a straight answer from WISE, about when the transfer will be unpaused. On live chat, they told me 5 business days. It's been month and a half now. The funds are not with WISE, and the funds are not with the receiver either. 

Whenever I try to reply to WISE emails, my email bounces, their live chat is disabled according to them, and you can never get someone on the phone. 

WISE is giving me different time frames when this MIGHT be resolved. I received an email from them on XX/XX/XXXX, so 26 days after the transfer was initiated, stating that the case MIGHT be resolved within 10 working days to a month, and if I don't hear from them after 30 days, the case is closed???
Product: Debt collection

To whom It may concern A debt collector company I.Q. data International, INC contacted me through the phone on XX/XX/2019 to collect a debt. According to the IQ data, I owed XXXX USD for move out charges, damages, maintenance and repair to my former landlord, XXXX XXXX, XXXX. On XX/XX/2019 I sent a USPS certified mail ( # XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX to confirm this debt. Up to date, I never received any response from my landlord. In addition, IQ data never provided the name of the contact person at XXXX XXXX who contacted them after several writing requests. Furthermore, I asked in writing IQ data to send a copy of the incurred expenses ( maintenance and repairs ) receipts/invoices. But IQ data never provided any receipts to me as proof that such expenses occurred after my moved out. IQ data instead hand-circled number in my leasing contract and makeup a list of expenses which were very suspicious of any attempt of scams. Finally, IQ data reported this case in my credit record ( XXXX ). Im filing a complaint to remove this collection from my record.
Product: Debt collection

This debt collection agency continues to call and harass me all hours and send notifications by mail. This " debt '' is over 7 years old. Resolved. 
I have asked repeatedly to quit calling and mainly how did they get my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle XXXX 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 XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a concerned citizen of the US blazing mad about the Equifax breach and the potential of identity theft. How will I and millions of others be protected?
Product: Debt collection

loan  XXXX  serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a   XXXX   XXXX   in addition the original note of the deed of trust is wrong Paragraph  2 of  the original note says INTEREST ; this is a  PITI loa n not interest The word interest is wrong and make the note invalid  Ocwen  says since they did n't prepare the note that it was an oversight.
Product: Credit reporting or other personal consumer reports

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INVOLVED IN LITIGATION.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V. GRAVENS ( MO ) 281 SW 715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.
Product: Debt collection

They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.
Product: Prepaid card

I'm trying to use XXXX " XXXX Back Gift Card. '' These list XXXX and XXXX as the XXXX contact options. 

When using XXXX I receive an error when attempting to register the card for use. This occurs on every web browser I have tried. Error message : " We are unable to process your request at this time. If you continue to receive this error, please contact Cardholder services by calling the number on the back of your card. '' Once I call into XXXX there are only options to check the balance and pending transactions. I've tried pressing XXXX or * to get support for the website issue, but it just disconnects me after stating " it didn't understand my response. ''
Product: Debt collection

I do not owe this debt. Once again I reached out for validation of this alleged debt of {$2400.00} on XX/XX/XXXX. I have a yet to receive a response. At this time I demand the alleged debt to be immediately removed from my credit reports as soon as possible. This is damaging to my reputation. I never got a letter allowing me the time to dispute this debt with them before they illegally attached this to my credit profile in XXXX. Once again I have asked for validation of this alleged debt. They have it listed on my report that it was " verified '' on XX/XX/XXXX. Which is not true. I have not received any sort of verification or validation and because they failed to respond within 30 days. I know this must be removed from my credit report.Thank you for your time.
Product: Payday loan, title loan, or personal loan

Loan was applied for Online company name Net Credit on XX/XX/2008 {$3600.00} ; loan does not belong to me, indicated on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles 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 impossible and that tracking these transactions was unfeasible. The cfpb finding indicate thats Zelle has not yet neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit reporting or other personal consumer reports

I am requesting a 1099-c cancellation of debt. XXXX is a paid settlement
Product: Debt collection

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 accounts without my written instructions.