23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : 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: Checking or savings account

I was asked about my {$6000.00} deposit I made from XXXX XXXX who had the funds taken from account and sent to capital one. They called me and told me they need to verify with bank I got us bank on the phone which they verified the funds were sent over to them and they shouldnt be saying they dont have funds because they were gone from my us bank since XXXX XX/XX/XXXX. Capital personal kept telling me they cant believe anything I say even after verifying with XXXX XXXX  that funds were sent they kept telling me they havent and wont receive it and locked me out of my account
Product: Mortgage

We have a mortgage with what started out to be XXXX in XX/XX/XXXX. Since that time that company has changed their name at least 10 times. They are now DBA as Ocwen. When reporting to the credit bureau it shows up as XXXX XXXX and Ocwen. They were once known as XXXX which show in some areas on the credit report it states the account closed. My mortgage is paid up to date I have a receipt to substantiate my claim yet Ocwen has not reported our mortgage paid since XX/XX/XXXX on some and XX/XX/XXXX on others. I need my credit report corrected immediately. I am tired of this company and a few others reporting in accurate information preventing me from living a better lifestyle I am quite capable of. I have been denied credit due to the inaccurate information the mortgage company is reporting. We pay our bills on time but it appears that the more we pay our bills and keep them up to date we are rewarded wit a lowering of in our credit score. A DROP IN OUR CREDIT SCORE!!! THERE ARE SEVERAL ITEMS THAT HAVE BEEN DISPUTED THAT THE over and CREDIT BUREAUS REFUSES TO REMOVE THEM. It also appears that if you dispute an item that also goes against you. I am tired of over many years I have been held down and held back because of the unfair practices of the credit bureaus. The reports from the Credit Bureau has ruined our credit life and forced us to have to struggle with extremely high interest rate and been totally denied more opportunities than one should have to endure. 
I need my cred report updated as well as my credit score.. Please tell me how a score can be dropped 40-45 points within a few weeks for paying off a credit card and being responsible citizens
Product: Debt collection

UPON REVIEWING A CURRENT COPY OF MY CREDIT REPORT. A COLLECTION WITH CONTRACT CALLERS APPEARED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE AND IS RELATED TO FRAUD. ALSO I ATTEMPTED TO CONTRACT THE COLLECTION AGENCIES AND ALL NUMBERS ONLINE AND THE NUMBER ASSOCIATED WITH THE ACCOUNT ARE NOT WORKING OR DISCONNECTED. 

THEY ARE ATTEMPTING TO COLLECT A DEBT WITH XXXX XXXX IN THE AMOUNT OF {$650.00} WITH A PARTIAL ACCOUNT NUMBER OF XXXX WITH AN OPEN DATE OF XXXX. THIS ACCOUNT IS FRAUDULENT.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN BOTH THE XXXX AND XXXX DATA BREACHES. I ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT THROUGH CREDIT REPAIR DONE BY A PERSON THAT I TRUSTED WITH MY PERSONAL INFORMATION, WHO COULD HAVE OPENED MOST OF THE ACCOUNTS LISTED. I NEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY.
Product: Debt collection

I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match.
Product: Checking or savings account

I am writing to file a complaint against Navy federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''
Product: Mortgage

They charged XXXX $ attorney fees on a XXXX $ loan i got in XXXX and they still don't want to give a option on my mortgage that had a sale date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE-ALL : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 
ADDITIONAL COMMENTS They literally just proved the mal-practice with the letter attached. I paid the entire balance off completely on a closed account. After a final payment on a closed account, a XXXX XXXX  after to alter my credit profile and extend reporting of incorrect information is a direct violation of FCRA laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7.  XXXXXXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Product: Checking or savings account

Albert checking/savings account opened ( estimated ) XX/XX/XXXX and signed up for genius XX/XX/XXXXXXXX XXXX XXXX  a monitoring service that monitors spending at {$4.00} a month. After multiple months of requesting to cancel my account per their instructions starting XX/XX/XXXX Albert refuses to answer my texts or emails and continues to charge me for genius. 

I have sent multiple texts and emails requesting to close my account, to no avail. I have written a letter notifying them I am pursuing legal action. No response other than an automatic response. I sent a withdrawal of consent to contractual terms. No response. 
It is XX/XX/XXXX still no response when they profess to return messages within hours. My account with XXXX XXXX was charged again last night. I want my money back and to close this account forever. 

XXXX XXXX
Product: Credit card or prepaid card

I have a subaccount on my amex serve prepaid card account. I tried to use my card to make a purchase and it declined which it should not have because I have money on the card. I return home to contact the customer service only to be told they could not tell me what was wrong with my card to my subaccount but that it had been permanently locked and that I can not use it anymore. My money is trapped on this account and I had asked them to transfer the money to my main account and they refused to do so telling me that I would have to send a letter to them to tell them why I should get my own money from the account when it belongs to me. I asked to speak to a supervisor and the supervisor gets on the phone almost 30 minutes later. The supervisor then tells me some off the wall statement that during a recent review of my American Express Serve Account they noticed activity that was in violation of the Serve Member Agreement, section : Section 15E and because of that violation, my account has been closed. When I tried to look up the section 15e I couldnt get access to read it. I was then told there was nothing that they could do about what happened to my account and that I was pretty much out of luck. I informed them that I am a protected person covered by law and that they are now committing disabled financial abuse by keeping me from having access from my money and refusing to transfer my money to my other account so that I can have access to it. Their response was that the law does apply to them and that they can do what ever they want. they then hung up on me telling good luck getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Money transfer, virtual currency, or money service

I am writing to express concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, both Zelle and my financial institution have failed to investigate my claims adequately. I was told that recovering lost funds was impossible and that tracking transactions was unfeasible.The CFPBs findings suggest that Zelle has neglected consumer protection, leaving users vulnerable to scams and allowing repeat offenders to exploit the system. This lack of accountability and transparency is troubling and raises serious concerns about consumer safety.
Product: Debt collection

My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. 
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.
Product: Payday loan, title loan, or personal loan

I applied for an emergency loan thru mobiloans.com on XX/XX/2021. The loan is in the amount of XXXX. I have made 4 payments totaling XXXX and they are still reflecting my balance still due of {$2000.00}. They are charging me an ( APR ) : 469.44 % making it so this loan will never be paid off. They are taking XXXX every payday on the XXXX and XXXX each month totaling XXXX per month. 
This is causing my family extreme hardship and the fine print was not clearly explained to me, however by anyone 's terms we can see that this is predatory lending and irresponsible practices
Product: Debt collection

The Cadle Company of Ohio was assigned a debt owed to XXXX XXXX XXXX in magistrate court on XX/XX/XXXX in the amount of XXXX. I was co- signer on this account. My husband and I split up in XXXX, were divorced in XXXX. We did not live together or associate during this time. I didnt know anything about this debt. They served someone with a summons on XX/XX/XXXX but it doesnt say who received it. Just that it was served. I have received no communication of any sort from this Cadle company over the XXXX some years it has been owed. Nothing. I am not hard to find. I have lived and worked in the same area for all these years. NO Attempt that Im aware of has been made to contact me. 
Since the original debt the Cadle company has gone back to the magistrate court and re-filed this debt at the 10 year mark so the statute is limitations wouldnt expire but still no attempt to contact me. So, with that being said, I woke up on XX/XX/XXXX to my XXXXXXXX XXXX account being seized by this Cadle Company in the Amount of XXXXXXXX XXXX XXXXXXXX garnish/levy fee. I didnt have this money in my account so it caused an overdraft in the amount of XXXX because the bank charged it to both of my bank accounts. I have an account with my current husband and an account with my daughter where I am a co-sign because she was under age at the time the account was started. This caused all of the money I had available to be seized XXXX an incoming transactions to be seized. My paycheck, which is heavily relied on by my family to feed us and provide gas for both vehicles, while we wait on my husbands paycheck, was seized. We would have had nothing to eat if it werent for family stepping in to help. Thank XXXX for that. 
This money continued to be held by XXXX until I contacted a lawyer and they told me what to do to get the money released because it had clearly been seized illegally. XXXXXXXX XXXX did release the hold on my daughters account but they continue to have a hold on mine and my husbands account which makes me XXXX in the negative. I have incurred multiple fees because of this. 
I cant seem to get any help for this problem and was wondering if I am actually liable for any of this? So my complaint is against The Cadle Company for shady business practices and XXXX for allowing them to do this to my accounts. 
Also, XXXX was served with this summons against me on XX/XX/XXXX, they had 20 days from the time of the service to respond to the summons but did not do so until XX/XX/XXXX. There answer is clearly dated for XX/XX/XXXX, that is a full 2 months they took to respond. 
As far as I know, the Cadle company still has not received any money from XXXX on my behalf even though they have clearly been holding my funds for this purpose. 
Keep in mind I only knew about this whole debt collection after they seized my bank accounts. I just think it is a gross XXXX of business practices. Nothing was done legally and upright.
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations and Notification of Violations Under Relevant Federal Laws I, XXXX XXXX XXXX XXXX XXXX writing to inform you of my decision to opt-out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal as is my right per FCRA Section 15 USC 1681 ( b ).

You have repeatedly provided inaccurate information as well as my non public personal information to all credit reporting agencies which has caused substantial harm to my life by these actions.

I have proof of multiple violations of the protection provided to me as a consumer under several federal laws, including but not limited to : 15 USC 6801 ( a ) states 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.

According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial 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.

15 USC 1681 ( b ) requires every financial institutionshall establish appropriate standards for the financial institutions administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I exercise these rights under the aforementioned federal laws with the aim of protecting my personal information from unauthorized access, use, and sharing.

I kindly request that you review all your past and current practices relating to the collection, storage, use, and sharing of my personal information to ensure compliance with the relevant statutory provisions.

Failure to do so may result in the violation of federal law, which could lead to serious consequences.

I expect you to promptly address any violations, including inaccuracies, and take necessary steps to rectify the situation. Furthermore, I request that you provide me with a detailed written response that outlines the actions taken to comply with the applicable laws within thirty ( 30 ) days of receiving this letter. 
I would like to continue receiving periodic statements by mail and any legally mandated communications regarding my account. 
However, any other uses or sharing of my personal financial information should cease unless explicitly authorized by me. I appreciate your immediate attention to this request and compliance with the relevant federal laws. 
XXXX XXXX XXXX
Product: Mortgage

While in forbearance it was never reported instead it was reported as late. XXXX approved my account to be placed in forbearance in XXXX XXXX and in placed in a XXXX XXXX XXXX starting my payments in XX/XX/XXXX- XX/XX/XXXX none of this was reported instead it been reported as late. While I complied with the XXXX XXXX XXXX and even tried to payoff the house my wire transfers were returned without a reason. An employee by the name XXXX at XXXX did phone me in XXXX to let me know that she received the wire transfer but somehow it was returned once again. I tried to reach out to her but was informed that she no longer worked there, strange. This has ruined my credit and as far as the creditors are concerned my creditworthiness is a below XXXX. Which I don't understand I've done nothing wrong made the payments and even made an extra one for XXXX and XXXX. Will someone please just look at the documents and see that I have been wronged all because someone at XXXX didn't bother to look at the documents correctly. I have uploaded the documents and they don't lie, they are all from XXXX Mortgage.
Product: Student loan

Credit report showing negative payment history to them for federal student loans however, I never received emails, physical mail, or any other form of communication stating there was a balance or payment due. From all communication originally received, amounts granted were considered grants, not debts.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX for illegally reporting incorrect last payment dates on my credit report. This appears to be a deliberate attempt to extend the reporting period of a debt that should have already expired. 
Specific Allegations : * Incorrect Last Payment Date : XXXX initially reported the last payment on the account as XX/XX/XXXX. However, they recently changed this date to XX/XX/XXXX. This manipulation appears designed to artificially extend the reporting period of the debt and prevent it from falling off my credit report as it should in XX/XX/XXXX. 
* Acknowledgment of Vehicle Sale to Attorney General : I believe XXXX  is aware that the vehicle associated with this account was sold at auction. Despite this, they continue to report the account as active and attempt to collect on the debt. 
* Deceptive Practices : XXXX has engaged in deceptive tactics to keep the debt active on my credit report. These tactics may include : * Misrepresenting the status of the account : Claiming the account is still open when it should be closed or charge off. 
* Providing false information about payment history : Reporting incorrect payment dates and amounts.

* they acknowledged the vehicle sale to the Attorney General.

Impact on Me : This inaccurate and misleading reporting by XXXX has negatively impacted my credit score. It has made it difficult for me to obtain loans, rent apartments, and secure employment. I believe XXXX  's actions are illegal and unfair.

Request : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their deceptive and illegal reporting practices. I also request that the inaccurate information be removed from my credit report.