23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Some time ago i got a call from XXXX XXXX and they were refunding the money back to me which was really good and they asked for my personal and banking information which i gave them so the refund can be processed. After that i got a call from someone from discover bank at least sounded like that because he verified all the information on my account and i dont know how but he did.XXXX asked for a code which was sent to me and i gave it to him and he told me i am getting a refund from XXXX XXXX.He verified my personal information and said that in order to process the refund. He needed access to my computer to so that he can help me login into my discover bank as i was having problems. He helped my login and after that he asked me change my password and guided and i did that infront of him and then he disconnected the software and sent me a code saying its for extra security which i gave him and that's it.After that i checked my account since i transferred my life saving in the bank only to see that the bank account was empty.I complained to discover and they said nothing and declined my dispute which was really harmful to my health as it was all i had. 


Transactions which were fraudulent : XXXX XXXX {$74000.00} XXXX XXXX {$49000.00} XXXX XXXX {$74000.00}
Product: Credit reporting or other personal consumer reports

under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) of the Fair Credit Reporting Act FCRA, i have noticed student loan accounts being reasserted by fraudulently updating dates to show current for instance you have on the report US department of Education saying there is an open account for the year XXXX, I didn't attend school in XXXX? I see collection accounts, open accounts, closed accounts, as current date of XXXX but was closed in XXXX but opened was opened in XXXX what that is just fraudulent, I show addresses I never lived at, different names, that aren't mine. There's even inquires, i didn't authorize, to me everything on this credit report is fraudulent
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding an issue with my Zelle account linked to my XXXX XXXX  account. On XX/XX/year>, I received an email from XXXX XXXX  stating that I could no longer use Zelle. I immediately contacted XXXX XXXX  for clarification, but I was given conflicting information and no resolution. 

XXXX XXXX  informed me that I needed to contact Zelle directly, as it is a third-party application. However, when I reached out to Zelle, they stated that it was my bank, XXXX, that had made the decision to restrict my access. In an attempt to resolve the issue, I visited a XXXX branch in person, only to be told once again that Zelle was responsible for the restriction. 

I have been caught in a frustrating cycle between XXXX XXXX  and Zelle, with neither party taking responsibility or providing a clear resolution. I would like to understand why my Zelle access was revoked and whether any corrective action can be taken.

I kindly request the CFPBs assistance in investigating this matter and ensuring that financial institutions provide consumers with clear and consistent information regarding account restrictions. Please let me know if you require any further details or documentation.

Thank you for your time and assistance. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are inquiries on my report i did not consent to. I did not authorize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX   and XXXX  ). To my knowledge, these are the only reputable and valid credit bureaus. 
My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. 
My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 
2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately.

3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX  , XXXX  and XXXX  ) credit score says about me.

4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.
Product: Debt collection

On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX5 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 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 USC 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

Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is XXXX
Product: Debt collection

Navient financial continues to send me erroneous debt collection emails. I have repeatedly asked them to remove my email address and to cease all communication with me. 
I have no relationship with Navient and their continued threatening email is very unsettling. 

I just want their erroneous threats to stop. 

Below is the latest email I have received from them : Last Day to call this office XXXX by XXXX Regards, XXXX XXXX Team Lead Specialist Charge off Unit XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account, XXXX XXXX XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Product: Mortgage

We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.
Product: Debt collection

As of XX/XX/2023 account name : WAYPOINT XXXX XXXX XXXX XXXX XXXX XXXX WAYPOINT RESOURCE GROUP Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting XXXX agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and explained I did not authorize the following inquires to the credit bureau and I was told that they will be removed and they are still showing I also contacted some of the creditors who doesnt even see an account listed in my name but was told to contact the credit bureaus but they did nor remove them please have the following inquires removed from my credit report. 

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

delete dispute these inquiries and hard inquiries, i disputed them multiple times after showing up on my credit report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Affirm has constantly contacted me over the course of 7 days. I have blocked their numbers yet they have left multiple voicemails with no messages and have most likely tried contacting me more. I am a survivor of cyberstalking and have XXXX XXXX XXXX XXXX because of the incident and when Affirm has called and left blank voicemails it triggers my XXXX. Not only have they violated my rights as a consumer but my rights as a XXXX XXXX. I have attached 3 of their voicemails however they have left 3 more and have most likely attempted to contact me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITY BANK/XXXX  Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 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 card

On XX/XX/year>, I logged into my Bank of America XXXX portal and noticed that XXXX of my credit cards has been shut down. I havent received any messages or notifications electronically nor via mail to explain this sudden change. I call BoA today XX/XX/year> at XXXX XXXX  to get some insight on this and come to find out that both of my credit cards have been closed down. I am absolutely shocked that this happened and can not think of any reason why given that I was just able to use my credit cards a few days ago, paid off my balances, and have always been in good standing with the bank for close to a decade. The representative refuses to give me an answer despite me pleading multiple times for some kind of insight. She instructs me to call XXXX because their decisions to close is dependent on the reports from the credit bureaus. I call XXXX immediately for some answers. Together we analyze my report and find absolutely nothing wrong with my credit- nor any changes that would instigate closing down my cards. 

XXXX of the XXXX cards that got wrongfully closed is my longest credit card. Ive been a customer of BoA for 9 years, close to 10 years. I got my very first credit card from them and have worked really hard to build up a good XXXX XXXX and history. To have this hard work just disappear overnight with no explanation- and from a bank I have such a longstanding relationship with - is absolutely despicable. Ive been a preferred client with the BoA for a number of years given my loyalty and good financial standing with the bank. 

Regardless, I believe these shutdowns were done in error and XXXX imploring CFPB to help facilitate appropriate communications between BoA and me to correct this error and reinstate my credit history.
Product: Mortgage

I retired XXXX XXXX of this year, I got online and look at my account balance. {$86000.00}. I wrote a check to them on XXXX XXXX for that balance and mailed it ... .on XXXX XXXX I called PHH Mortgage and asked if the check was received, he said yes. The person on the phone said give them 10 days to process the check..OK. Called 10 days later and I was told they would submit a request to pay the account.OK. Called again was told they can not accept a personal check, I said OK, send the check back..was told they would put in a request ... Called again 7 days later and was told that was not the balance, I said that is what the computer said, how can I have a different balance? Continued e-mailing and calling to get my personal check back ... I will put in a request ( This was there go to answer for everything ) I called again in XXXX and wanted to know where my check was and send it back. They send an -email stating again they don't accept personal check ... I responded by saying " send it back '' this went on for a couple weeks. I stared depositing money into the balance, I got it down to {$160.00} over the course of 3 weeks. XX/XX/XXXX I received a letter saying it had to be paid by the XX/XX/XXXX. Then on XX/XX/XXXX, the balance jumped to $ XXXX..I called and asked why? With all the monies I have paid I am paid until XX/XX/XXXX. In the mean time I received an e-mail saying they were sorry, but they lost my personal check and put stop payment on it. ( more money ) .. Then I called again asking why my account jumped from {$160.00} to {$430.00} and again was told they would " put in a request '' and find out ... .NOW I am not a happy person .... 
Then in XXXX, one of the guys suggested to use my escrow to pay it off..I have a total of {$770.00}. and paid another {$620.00} ( online, because that is what they said I owed ) now they have {$1300.00} in overpayments. Called again when it was not paid in full. I called and spoke to a woman and she also said " I will put in a request '' to pay it off. I asked her why my account jumped from {$160.00} to {$430.00} and again was told " I will put in a request.. she said call back in 3 business days..ok Called again on XX/XX/XXXX, and spoke to a man and he said ..it is just sitting there..I will put in a request for payment ... .ok I received an e-mail on XX/XX/XXXX, apologizing for the inconvenience, give them 3 business days to resolve this and in 10 business days all extra money would be refunded ... Nothing has been done ... ..I called XX/XX/XXXX and said nothing has been done ... .and again he said I am looking at this, I don't know why nothing has been done. I will personally find out what the problem is and call you by the end of the business day ... ..No phone call ... And now I am writing you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA is reporting 60 day late payments on XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

During this time period I was dealing with medical issues as well as contracting XXXX in XX/XX/XXXX, which was the cause of my late payments. 

I ask that these late payments be removed from my credit report. 

CBNA did an investigation and agreed that the late payments were accurate. I'm not disputing the accuracy of the late payments. I'm asking for them to be removed because they were caused due to illnesses out of my control, including XXXX.