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.

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. 
I want the CFPB to publish this description on consumerfinance.gov so that
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I instructed rep from company by phone conversation to cancel scheduled automatic payment withdrawal for XX/XX/2019 from my checking account. The rep said she would do that and added that my automatic payments were turned off. I told the rep I would call back with date for withdrawal of payment. 
On XX/XX/2019 Lending Club withdrew from my account two payments totaling XXXX causing my account to go negative and adding bank fees for other overdrafts caused by this. 

Note : the company records all conversations but refused to play conversation to me when I complained.
Product: Money transfer, virtual currency, or money service

I am writing to formally, expressed my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reported discrepancies my financial institution, and Zelle failed to investigate my claims Adequately. They informed me that recovering loss funds was impossible, and that the tracking these transaction was unfeasible. The CSPBs 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 about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.
Product: Checking or savings account

On XX/XX/2019 I opened my account with Regions. During the opening process I was presented with Regions Refer-a-Friend program where the bank asked its members to recruit their friends and family to join the bank. For any people referred Regions would pay both parties a {$50.00} Visa gift card. I successfully sent 17 referrals. Of that only 8 people completed the requirements and were designated by Regions as " Criteria Met '' ( for the {$50.00} gift card ). I received 7 {$50.00} gift cards. I am still missing one {$50.00} gift card and Regions own referral tracker confirms 8 criteria met but only 7 incentives paid. 

Over the past 2 months I have contacted Regions by secured message through their website 5 times. The bank is helpless via secured message and asks for me to call in. I have placed no less than 14 phone calls to the bank and spent 5+ hours on calls. At each phone call I am given conflicting information, told to call other departments, and even told a help ticket is opened to investigate. Despite this no action has been taken. Even today a " supervisor '' can see my missing referral but is helpless to advise on the status of my ticket, open a ticket, or provide any meaningful information. The majority of the bank representatives do not even know what the refer a friend program is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion that I am a victim of identity theft.
Product: Debt collection

Hello I was contacted by FCR SERVICES at the phone number of XXXX. They told me to contact that number or go to XXXX. I input my zip code last name phone number and email to locate my account as I was unsure of the debt. I have a feeling that this is a scam as I checked on XXXX XXXX and no debt was found.
Product: Credit reporting or other personal consumer reports

It is incredibly disheartening to experience the violation of my consumer rights. Like anyone else, I deeply value my credit score, yet the inaccuracies on my credit report have severely impacted my financial opportunities and taken a toll on my mental health. Despite my repeated efforts to resolve these issues, my concerns have been consistently ignored or dismissed. This situation has caused significant frustration and stress.
Product: Vehicle loan or lease

I have been desperately looking for a new car. According to drive time, you input in your information to get personalized terms and vehicles to choose from that fit your credit. My credit is around a XXXX and my monthly income is about XXXX. However the vehicles that I qualified for online are not the vehicles that were offered in store. I asked the representative why that was, and he informed me that the website automatically shows terms for a monthly income of XXXX. So i put in my information, thinking I'm looking at cars i qualify for and according to the in store rep, I really wasn't. It's extremely misleading when everything is advertised as you get a car buying experience that is personalized to you. Going into the dealership today was so upsetting and sad. They had only one car I qualified for based on my income and credit.
Product: Credit card or prepaid card

Capital one is driving me crazy its been a while since I was already current but than again fall behind on my payments I have 3 cards with capital one and capital one has failed to contact me thru the phone to enroll me in a program that allows me not to have any more late fees the late fees are killing me as very month and due dates come by. And the interest fees too high I understand that the fees cant be waved and that u need to pay the bLance in full si in that way u wont have any interest fees.

Ive tried hard to contact them and ask them for assistance but I am sure that they dont care because as more the debt is the more fees I have to pay such As late fees so for every account theres been 5 late payments and the late fees have gotten me and driving me crazy why couldnt they stop the late fees when they knew I was fallen behind. Rather than working things out and put a stop in the late fees by enrolling in to the program my balance due for each account should have been lower at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Product: Mortgage

My loan was sold to PennyMac for servicing in XXXX 2015. Following the sale, my homeowners and flood insurance payments were due on XXXX XXXX. The insurance payments were not paid timely. I received a phone call from the insurance company notifying me on the due date that if I did n't make payment by midnight for my homeowners policy, it would expire. I had to pay it on my credit card in order to be assured that I would be covered. A week later I called to see if the homeowners had been paid so that I could be refunded for the payment I had to make to keep my coverage. At that time, Pennymac casually informed me that my flood insurance payment had not been made either because they did n't get an invoice. If I had n't called, I would have not known that I was not covered. I again had to come out of pocket to pay the flood insurance in order to ensure coverage. Pennymac says they have made payment to my insurance company for the homeowners premium ; however, the insurance company has not received the payment and I have not been reimbursed. The flood insurance has yet to be paid and I can not get an answer from anyone at Pennymac on the status. I have had to spend an incredible amount of time trying to get this resolved to no avail. I have been put on hold, transferred, treated with disrespect and can get no answers on this matter from Pennymac. I feel as though they have been withholding my money but not remitting it for the purpose intended. This does not seem legal. They have a fiduciary duty to use the funds withheld for the purposes intended. I have had to overextend my budget in order to insure coverage. I have no confidence that my taxes will be paid timely or assurance that I wo n't be faced with this issue again next year. I would appreciate any help in getting this matter resolved.
Product: Checking or savings account

OnXX/XX/19, I was written a check for {$630.00} that was deposited via mobile deposit into my account. On XX/XX/XXXX, my bank debited my account by that amount. The check had been subsequently stolen and cashed at a XXXX XXXX. I filed a claim with my Bank of America, # XXXX XXXX ; they said no adjustment was necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the Equifax data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received an alert from my credit card company, XXXX XXXX, stating I had a derogatory account on my XXXX  report. The only information listed is Portfolio Recov Assoc, reported on XX/XX/XXXX, amount of {$990.00}. 

I have not received any notice by mail or email or phone voicemails from Portfolio Recov Assoc.. I do not understand how they can report anything to any of my credit reports without contacting me first.

This is alarming since I had a unusual company contact me last year regarding a very old bank account. After investing XXXX XXXX XXXX, they were attempting to collect a debt without any proof. I submitted a complaint to regarding XXXX to the Ohio Attorney General. The company reposted they would stop harassing me or collecting such debt. 

Is this related to such account? I have a document dated from XX/XX/XXXX stating they would not make contact with me anymore. Is Portfolio Recov. Assoc. have any relation to such a company? 

I also had fraud on my XXXX XXXX card that was in collections for several years. I have a letter from XXXX ( XXXX ) stating the fraud department investigated and resolved the matter on their side. 

Not sure if this is fraud, a scam, or other issue. When I had the issue with XXXX XXXX XXXX, they were threatening and harassing. This company, has done the opposite. They have not sent me a letter, or email. I have had the same email for many years and I have lived at the same address the past 20+ years.

Any advice and assistance would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Debt collection

Apparently someone my family put my number on my sister 's account with XXXX. I h ave been telling them for over 3 years to not call my number. I have a letter from them telling them to stop calling me and they said that they would, however a few weeks ago, a collector called my phone number spoofing my area code so I would be more likely to pick up. When I was called, the collector asked for my sister, I confirmed this simply by saying yes and then the collector read off the last 4 of her SSN rather than asking me to confirm it. Then she asked me for her birthday. If I had went any further, I could have easily gotten all of the account details with extremely little effort. As a employee of the XXXX XXXX currently, this is clearly a PII compromise. 
A simple XXXX search for asset recovery solutions reveals that one of their clients is XXXX. I want Asset Recovery solutions and XXXX to remove my information from their systems immediately and permanently. I want a physical letter sent to my house saying so. I am also considering pursuing further legal actions for the continued harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL, for committing identity theft. I have never given HYUNDAI CAPITAL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with HYUNDAI CAPITAL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL any right to collect on this alleged debt. 
I have never received any documentation requesting validation from HYUNDAI CAPITAL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I have enclosed a letter sent to Transunion in regards to my consumer report containing information that is to be excluded from my consumer report. Also there are multiple inquiries that I have not authorized on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reasonable cause to believe that my nonpublic personal information is being shared without my lawful consent. I understand that the GRAMM-LEACH-BLILEY ACT 1999 ( MODERN MODERNIZATION ACT 1999 ) was created to ensure financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. And as you know nonpublic personal information is the personal information covered by the GRAMM- LEACH- BLILEY ACT is termed nonpublic personal information, which means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained. And the consumer only has Two federal laws that cover my personal financial privacy The Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. Financial Institutions when they are in compliance safeguard my private information that must be secured against unauthorized access.

And they must notify me the customer of my private information being shared between financial institutions and third parties and I have the ability to opt out of private information sharing. Which has not happened I found out by looking at my consumer reports being collected and shared by Transunion, XXXX, XXXX and I saw that there allowing my nonpublic personal information to be shared with affiliated and nonaffiliated unauthorized third parties. 15 US CODE 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. On XX/XX/XXXX and again on XX/XX/XXXX I sent certified letters to Transunion, XXXX XXXX and the financial institutions " opting out '' stopping of sharing of my nonpublic personal information with each other and with other and nonaffiliated unauthorized third parties. But I have gotten no response, no acknowledgment that they are or will comply under the GRAMM-LEACH-BLILEY ACT and the FAIR CREDIT REPORTING ACT 15 US CODE 6801 ( A ) ( B ) .Here is a list of financial institutions with the account # XXXX that they are sharing of my nonpublic personal information. 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 So to be clear I never gave any of the credit agencies or institutions written authorization, lawful consent, to share my nonpublic personal information with affiliated or non affiliated parties. They never notified me, they never gave me a chance to " opt out '' and if so it wasn't clear or conspicuous to me. I was never given time to review the information and say " NO '' to the information sharing. 
XXXX, XXXX XXXX