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

Negative Items : 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 Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as Equifax and XXXX, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including Equifax and XXXX, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to Equifax, XXXX, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than seven years old. The account being reported without my permission is considered an adverse item. 

In conclusion, Equifax and XXXX, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''
Product: Money transfer, virtual currency, or money service

My cash app account was compromised last year, and aster losing over {$1400.00} cash app denied any reimbursement. I can see that the amount sent to someone by the name of XXXX XXXXXXXX was originally blocked, but then allowed to go through. I discussed this matter with representatives from cash app a number of times since noticing this, and they have refused to rectify the unauthorized transaction and fraud. I am demanding this to be refunded immediately before taking further action due to negligence on Cash App ( Square ) s end.
Product: Credit reporting or other personal consumer reports

I FILED A REPORT WITH MY LOCAL ATTORNEY GENERAL 'S OFFICE AND IT CAME BACK AS IT WAS RESOLVED BUT I UPDATED MY CREDIT REPORT AND IT'S STILL THERE I FIRST ASKED FOR A INVESTIGATION WHEN I WAS HARRASSED ON PHONE BY THIS COMPANY NOW THEY INSERTED THIS ACCOUNT ON MY CREDIT FILE.
Product: Checking or savings account

I got XXXX XX/XX/XXXX of 2020 I was released XX/XX/2020 for traffic tickets, as I was XXXX my information got stolen with my PIN number ID social security card and numerous of other things, when I was released XX/XX/2020 I called Wells Fargo they did it investigation and came back and said that I had something to do with it Huh?? When I was incarcerated at the time so in the midst of that I had insurance checks coming into my bank account direct deposit {$500.00} {$10000.00} {$1000.00} check that would come so one for {$500.00} went into my account and they told me that they're keeping the {$500.00} and there's nothing that i can do about it, I couldn't believe my ears and what I'm hearing.. They closed my {$500.00} secured credit card account as well as my checking and saving account and I don't think it's fair because I had nothing to do with this matter that occurred while I was XXXX so I need to know how do I go about this and take full legal action. My credit score is screwed all up I can't open up a bank account nowhere I'm stressed and feel emotionally discomfort and most of all confused and even hurt behind this allegation that put against me which is a lie..
Product: Mortgage

I am requesting Chase refund the {$5300.00} VA Funding Fee for my previous mortgage dating back to XXXX. I have a 10 % XXXX Rating from the VA that allows me to be exempt from paying this fee, the loan number is XXXX I have emailed Chase twice in the secure message system XX/XX/XXXX and XX/XX/XXXX and both times the system stated I would hear a response, and neither time was there any follow up. I called on XXXX and spoke with a supervisor who requested I email my VA XXXX Percentage Letter to XXXX. 

I had emailed the address and received an error message so I am unable to provide the requested information.
Product: Debt collection

On Monday XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX. I answered the phone and asked who was calling they refused to answer me and then they asked if a XXXX XXXX was available, I asked them again to inform me of who was calling and they continued to refuse to answer my question about who was calling and what this was in regards to. This is a blatant violation of the FDCPA : 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; The person who called me did not know who I was until I told him and he refused to identify himself and who he works for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed be that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

The servicer of our loan is Provident Funding Associates and our loan with them opened in XX/XX/XXXX. We have had experiences with this company as what we perceive to be unlawful and damaging. Our first negative experience with them was many years ago ( XX/XX/XXXX-XX/XX/XXXX ) before your agency existed and we would like to bring awareness of that situation should it still be relevant. In recent months, due to circumstances beyond our control our household income has decreased significantly and are having great difficulty making the payments. We submitted all of our information to them in XX/XX/XXXX and again in XX/XX/XXXX seeking relief.Based on what we have experienced, we are certain they have had no interest whatsoever with trying to help us and have looked for every way possible to not help us. We felt compelled to bring awareness of our experiences to your agency, all of the facts associated with the process ' and look forward to the opportunity to speaking with someone at the CFPB about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company inaccurately reported the account as being thirty days late on payment to XXXX, which reduced my score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments on my credit report. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I signed up for Zoca loans back in XXXX. My original payment and payment dates were XXXX $ on every Thursday. When I saw that I immediately called the company and have them switched it to every Friday because that's what my paydays are. For a while they were coming out on Fridays and then suddenly it stopped. I noticed the change when I had an over draft fee for them withdrawing my account and the funds were not available on a Thursday. I then called the company again, spoke with a XXXX ( whom was very rude ) told me she would have them switch back to Fridays. I felt like she did not submit my request so I then emailed their support group and was told by a XXXX ( see attached documents ) that my payments would be drafted on Fridays. Went to check my account this morning and saw ANOTHER overdraft fee and that my account was drafted on Thursday XX/XX/2018. I am very furious at this point. I am a consumer trying to make my weekly payments on time and they continue to overlook my requests. I do not have any extra money to be paying for overdraft fees and I would like my money refund back to me from this consumer.
Product: Credit card

Due to financial hardships, I incurred a late fee. As I planned to pay off my credit card, I requested the {$40.00} late fee to be reserved. Capital One refuse to refund me for the overly expensive junk fee. I will no longer be using this card, and will be refinancing my vehicle so I dont have to deal with this company anymore.
Product: Debt collection

Midland credit management has ignored my disputes and my FTC identity theft report, and for months has had a fraudulent derogatory collection they are reporting and it has crippled me and my family. Ive faxed over the identity theft report, Ive spoke with some very unfriendly agent, Ive disputed online. This {$850.00} collection has hurt my credit score big time and enough is enough. This is my final attempt to try to get them to follow consumer laws before I file charges against them. Ive warned them, Ive quoted FCRA, and they think the laws do not apply to them. Either show me the original contract that i signed with midland credit management, or IMMEDIATELY REMOVE this harmful unjust collection from my report. Even after sending identity theft report you do nothing, and I wont tolerate it any longer
Product: Student loan

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records.
Product: Credit card or prepaid card

I lost my card during a major theft incident in XX/XX/XXXX. I was sent a text in between from chase to confirm a charge, which I reported that time, but I didn't realize that the credit card wasn't cancelled. Considering I have multiple credit cards even with chase, I didn't actively look into it after that. 

During this time, I accrued multiple charges from an apple account which doesn't belong to me and other sites. I was assured that these charges will be removed, but they only removed few charges on XX/XX/XXXX. When I called, they not only closed the case without informing me, but also reverted the charges on my account. I had to call to reopen the case XXXX  times and every time there was request for a new document ( Documents submitted so far : Police report, XXXX account details, XXXX family accounts, transaction history, etc ). 

Most recently, I was called by an agent who wanted more information which I provided, but again the case was closed without any further detail. 

Attached are generic case letters I received dating : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a total 8 disputed requests to Experian regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Experian hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.
Product: Bank account or service

On XXXX XXXX of 2015 Capitol One Bank sent me a letter that notified me about my bank accounts being closed. Letter referred to their Rules Governing Deposit Accounts. On XXXX XXXX of 2015 I received another letter from Capitol One Bank saying that they " Had observed activity on a past or presentCapitol One account that is not consistent with their expectations of usage for personal, family or household purposes ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau and XXXX XXXX are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00}. Please update this account. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

Today I saw a bunch of emails saying that my credit lowered and a card opened in my name from capitol one. I did not open the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not figure out why my score dropped 26 points in 1 day. 

I called XXXX and My XXXX card says my account is in perfect standing!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and Experian are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, XXXX, and Experian do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and Experian are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

A hard credit check was done on XX/XX/year> from XXXX XXXX ( XXXX  ) and CBNA ( bank ) which were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.
Product: Checking or savings account

On XX/XX/2023, Bank of America went into my checking account and emptied my funds of my account. They claim another bank account had been made at the beginning of the year in my name which I never opened. I had submitted all necessary paperwork proving who I was at the beginning of this year 2023. They claimed to have never received this information. Which led to them taking money out of my account on XX/XX/XXXX. In the amount of. {$1100.00}. 
I received a week after the fact a letter informing me they were going to be taking this money from me. After my account was already purged by XXXX and my account has been In negative standing since XX/XX/XXXX due to this. One quarter of my monthly income was stolen from me by XXXX. I call them weekly. I was talking to a manager out of the XXXX, CT boa location weekly as well. And she of course no longer works there. I received another letter from XXXX on XX/XX/2023 saying Weve completed our research on your claim listed above. And determined you arent the person responsible for opening the account. 

I was told on the XXXX of XXXX that the analyst working on my case would get me an update. No such thing has happened. Last week when I called XXXX again. I was told the analyst has until XX/XX/2023 to get my money refunded back to me. Even though I have been told since XX/XX/XXXX it would take XXXX business to get my money refunded back. After talking to another person today. I was told now it can take 30-90 days to get my money that BOA has stolen from me. I want this resolved. This was done criminally towards me and XXXX is dragging their feet. My money was stolen from me. What and why do banks have fraud protection for customers if they clearly do nothing when something like this happens?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and they were defaulted because of a   XXXX   XXXX   I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in a   XXXX   of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Product: Checking or savings account

I open the account with {$1500.00} cash they close the account the following day I requested to get my money from the bank the same day they closed it. They refused to let me get my cash out the bank. They stated that they were going to send a check I asked for a confirmation That the check was going to be sent. They was unable to provide that. 14 business days later no checked has been received. And now I have I have to do a declaration of loss.
Product: Debt collection

Resurgent Capital Services is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly and consistently harassing by phone, text, email and U.S. mail in regards to a debt from the XXXX XXXX XXXX for {$340.00}. The debt collection or debt isnt not my account or debt. The debt is the result of identity theft.
Product: Mortgage

In XX/XX/year> I applied for a loan modification review. It was granted in early XX/XX/year>. In late XXXX Wells Fargo 's attorney filed for foreclosure. They neglected to tell the attorney about the modification until our second hearing in XXXX, that the modification was acknowledged in open court. They were sending me communication requests from the underwriter then they stopped. I have not been able to get detailed timely information since. They have also been calling the wrong number to contact me and won't correct the problem. They have also gone out of their way to get XXXX XXXX not to speak to me as well. I need communication with the servicer directly to proceed.