23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This creditor has been found to engage in abusive, deceptive, and unfair practices prohibited by the FDCPA. According to 15 USC 1666b, the failure to receive a statement 21 days before a late payment constitutes a billing error. Additionally, under 15 USC 1605 ( a ), if a finance charge is included, late payments should not occur since the finance charge encompasses all charges. Therefore, penalizing for a payment already fulfilled in full would be unjust.
Product: Debt collection

I contacted XX/XX/XXXX about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$64.00} under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$5700.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$660.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.
Product: Debt collection

A debt that was discharged from my credit report a year ago from Portfolio Recovery, I recently improved my credit and now this company is coming after the bill again after it was already removed. They also re-aged the debt to XX/XX/XXXX when the account was originally from XXXX. I dont believe this debt to be accurate and I believe they keep changing the date on the account to further extend my liability for it. I have worked hard to build my credit and this debt is holding me back from moving forward. Please help to resolve this matter.
Product: Credit reporting or other personal consumer reports

According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies XXXX, XXXX, and Transunion are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Debt collection

In XX/XX/XXXX, I began to receive notifications for a bill from USAA, who had previously provided me with renter 's and auto insurance. USAA had made the decision on XX/XX/XXXX to cancel my policy for non-payment. 

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. The debt owed to USAA was included in this bankruptcy. The bankruptcy was discharged on or about XX/XX/XXXX. However, USAA continues to attempt to collect this debt and alleges now that I have even enrolled in a separate policy. 

I have sent letters and several messages to dispute the debt ; demanded USAA cease and desist collection efforts ; provided three copies of my order of discharge ; and have spoken with a representative on the phone -- who verbally promised on XX/XX/XXXX to clear the debt but now refuses to honor the bankruptcy discharge. 

As of today, XX/XX/XXXX, it is my understanding that USAA will attempt to send this debt to collections.
Product: Bank account or service

XXXX and my son had established checking, savings, commercial, credit card accounts with {$2000.00} in checking overdraft protection with US Bank in XXXX MT for at least XXXX years. I was insured under the FDIC for XXXX XXXX fraud but was never informed that the monies US Bank took without my consent was illegal under the rules of the FDIC. They violated many rules and I was a victim as documentation I 've included shows. The prosecuting attorney in this case told me after catching the lady behind this scam that US Bank will pay all monies taken from me and restore you and your sons credit due to them being insured by the FDIC. US Bank will not pay me for any money they took out of both my sons and my account. They cleaned me out of all monies in XXXX and my checking accounts, took {$4000.00} in overdraft protection, left me and my son bankrupt, bounced checks, mortgage went to XXXX % & the letter attached sums up the events that followed. What I did n't no then is I was insured by the FDIC and being an innocent victim this tsunami US Bank caused to me and my son should of never happened in the first place and the prosecuting attorney agreed. I paid back all the money to try and save XXXX and my credit. To this day XXXX credit is ruined and so is mine & to this date no restitution has been paid from US Bank. I 've tried to talk with US Bank for years and their response is we ruined your sons credit and yours and we owe you nothing. I asked to talk with the President of US Bank in XXXX, MN and a cubical employee would not allow that and the FDIC says to settle this major issue with US Bank. I need your assistance in this matter due to their negligence, and ignoring my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX FIN XXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This the second complaint, after being threatened verbally, and via email, I was forced to sign a contract under duress. I sent it back to them after harassing me they will be taking my home. I will attach the appropriate documentation. In previous complaint not only have I been harassed they failed to continue with even sending correct proof of the debt, then they sent me another persons debt information then admitted to doing so then stated this happens, I have a copy of that email. I am concerned my information has been compromised. I have copies of emails stating " I do not pay my debts and stall tactics ''. " I blame others because I do not want to pay my debt ''. I spoke with this gentleman on XXXX XXXX XXXX, as her verbally harassed me, I kept repeating stop trying to intimidate me. He stated " I can do what ever I want you do not pay your bills ''. I have a witness to the phone call and can provide if needed.
Product: Checking or savings account

I opened an Advantage Savings account on XX/XX/XXXX after speaking with a Bank of America representative who informed me they had a promotion where I would receive 4.5 % based on my agreed deposit amount of over {$250000.00}. 

A few days later I transferred money into the account and later in XXXX I called to confirm that I was receiving interest at 4.5 %. When I called in XXXX I was told that I was getting .04 % interest not 4.5 %. After numerous phone calls ( all recorded ) I was told the promotion rate did not take effect until after 30 days of the account being opened. I requested to speak with a supervisor as the promotion had been miss represented to me. A supervisor called me, acknowledging I was misinformed on the promotion and said the rate would start after 30 days of the account being opened. 

On XX/XX/XXXX I called Bank of America and was told that I was still not receiving the promotional rate as the rate would only be applied after a 60 day review. Due to another miss representation by Bank of America I transferred my money to my local bank. 

Ive had an account with Bank of America for over 30 years and they have been fraudulent. I believe they owe me 4.5 % on my money from the time of the first deposit, or at a minimum from XXXX XXXX. They should be held accountable for their miss representations and face the penalties warranted by the law. All the phone calls I made are recorded and the different people who I spoke with could see the transcripts of the calls. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has 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 the consumer safety.
Product: Mortgage

I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.
Product: Debt collection

XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.
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 XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : USC77 has violated my rights. Or a list of inquiries : 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

I was incarcerated for XXXX years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy Experian now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfers

Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.
Product: Money transfer, virtual currency, or money service

COINBASE FACILITATED MONEY TRANSFER TO FAKE TRADING PLATFORM WHICH RESULTED IN LOSS OF ALL OF MY RETIREMENT FUNDS. THE TOTAL AMOUNT LOSS WAS XXXX USD. I TRIED ALL I COULD TO GET THEM TO ADMIT AND REPLACE THE LOST MONEY, BUT EACH TIME MY REQUESTS WAS IGNORED AND GIVEN LITTLE OR NO ATTENTION.
Product: Student loan

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C 1681 section 602 A states, that I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting an agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX XXXX, XXXX, I sent a letter of dispute to a collection agency named Credit Collection Service, in regards to an account that they have been reporting under my name and social security number, with an amount of {$430.00} which they claim I owe them, to XXXX credit reporting bureau, since XXXX XXXX, XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 3 follow-up letters since then, dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, to which they have not responded. 

I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Consumer Loan

I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.
Product: Credit card

In mid XXXX I contacted Discover Card requesting a change in the name of the business for the account opened in XXXX from XXXX XXXX XXXX XXXX  XXXX XXXX. They were provided all information requested and I was told new cards would be provided. Several weeks later, the three ( 3 ) cards arrived by mail, and I called the number provided to activate and was told activation was approved. An attempt to use one of the cards in XXXX and it was refused. I contacted Discover by phone on XX/XX/XXXX and spoke to XXXX who told me account had been closed. She stated a letter was sent to me in XXXX explaining the closure. I told her I had never received any letter. She said an email to my secure inbox on the account had been sent. I explained I was never able to open it. I asked her to explain the reason for the account closure and she stated she was unable to do that. She offered to transfer me to their tech department for help in opening the notice in my secure inbox. I spent over XXXX minutes with their tech department, and they were not able to assist in opening the email. As a customer with the account for 15 years and never a late payment they are holding my business captive and refusing to provide information as to why the account was closed. I want the account re-opened immediately and provide me reasons for closure to allow me to complain further that their actions are harming my ability to use the card!!