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

XXXX, 2024 My credit card company recieved an email by my bank that payment would not be made due to insufficient funds in my account. 
XXXX XXXX, 2024 I received an email from my bank on the same Transaction but my bank tells me it wasn't paid due to fraud alert. I have both emails to verify. Immediately after speaking to my credit card company I logged into my online banking app and screen recorded my account. I also screen recorded it days later and it's been changed. ( To reflect no mistakes on my banks part ) I have both recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation put a credit item that was previously deleted without notifing me in 10 business days of the the action ALLTRAN EDUCATION INC
Product: Credit reporting

XXXX/XXXX made a hard inquiry which appears on my credit. The only thing I ever signed up for was the regular XXXX, never a XXXX XXXX. This lowered my credit score twice and XXXX will not change their procedure and the reporting companies will not remove it.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have received a letter from Homefirst Mortgage Bankers stating that they are to take legal action if I do not pay them for the month of XXXX. Loan organizer specifically told me that I did not have to pay two consecutive months. They have ignored my calls and can not explain to me why am I being asked to pay now.
Product: Debt collection

I opened a business account with Bank of America XXXX XXXX  XX/XX/year> for XXXX XXXX XXXX XXXX XXXX, with assigned XXXX XXXX and fell into a hardship position with the business and had to close. I would Bank of America to remove this negative item from my personnel credit files.
Product: Bank account or service

I opened a new Chase checking account at the XXXX XXXX, FL branch on XXXX/XXXX/XXXX. I had an offer for {$150.00} incentive for a new account. Yesterday XXXX/XXXX/XXXX I received a new coupon for a {$300.00} incentive for the same account I opened. I called customer service today to see if this can be credited to my account and the representative told me she did not handle that I had to go to the branch directly where I opened my account but XXXX did not foresee any issues with my request. I called the XXXX XXXX branch where I opened my account and spoke with the branch manager who said I was unable to get the additional incentive as I am past a 21 day period where this change is allowed. I find this to be wrong as I am a new customer who wishes to have an ongoing relationship with Chase and they can not override this issue? This is ridiculous.
Product: Mortgage

Here is the complaint letter that I sent to the CEO office : I am XXXX of your customers and I was hoping to seek your assistance with my mortgage. 
I am really getting frustrated with getting a problem resoled and I know that your company does n't want the customers to feel that way. A SALE DATE IS SCHEDULED FOR XXXX I have been trying to obtain a loan modification with your company for many months, however it seems that Wells Fargo does not want to help with this. 
I am recently going thru your re-entry team and we have been in contact with them regarding the file. 
Back in XXXX XXXX, we submitted the workout review and was denied because of the income was not sufficient to support the modification. 
Then we resubmitted a new application and in XXXX XXXX, we were told that the file was removed because there was an incomplete application and documents were not submitted on time. 
On XXXX XXXX, a new application was resubmitted and according to the underwriting department in the re-entry team they reviewed the file as of XXXX XXXX and the XXXX stated that there was not enough income to support the modification. 
I called the re-entry team and was advised that the new application was not reviewed showing the updated income supporting the new modification, that instead they reviewed the OLD financials and not the current ones. 
At this time, I am requesting for Wells Fargo Executive office to review my file and to postpone my sale date so that they can see for themselves that what they are doing is injustice I have been working very hard and providing Wells Fargo all the documents way ahead of time, but it seems that they are not willing to help me out with my situation. 
I LOOK FORWARD ON HEARING FROM YOU. 
CC : Consumer Financial Protection Bureau & XXXX XXXX, Attorney General for Missouri
Product: Credit reporting or other personal consumer reports

The following should be removed from my credit report please. 

XXXX XXXX- do not recognize at all. I want Repositories to remove this and the so-called 'inquires ' are inaccurate.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 FL XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have watched Experian lie to this entity about their practices and how they break the law, 605B FCRA. As a CRA, Experian is supposed to obey the law not reinterpret rewrite, or break the law. As the CFPB knows, Experian is to block the information I identify that occurred from identity theft. 
As a consumer, I have to provide 4 items to start the 4 business day clock to block the fraud info on my file. 
After blocking, Experian is to notify the furnisher of the blocked info they blocked from identity theft. 
Then Experian awaits a reply within 30 days of notification. If no reply is timely, the info remains blocked forever. 
Then if a reply is made, they are to determine reasonably that 1 of 3 things happened. 3 separate and distinct things. Error. Material misstatement of fact. Goods or services or money were obtained from the blocked accounts. It has to be real and proven, not just guessed at. 
I have identified my info clearly That needs to be blocked in 4 business days or less. Experian lied and said I did not provide it. Laughable and stupid. They got the police report, its clear in their also. So do not let them lie any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the required documentation to Equifax on XX/XX/XXXX, the package was sent priority mail USPS, the tracking number is XXXX which shows delivered on the XXXX of XXXX. Today I received a letter from Equifax stating to send the same pieces of identification, after previously sending my social security card, driver license, and passport. I need the consumer finance to intervene and ensure the data is accurately reported.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Vehicle loan or lease

XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.
Product: Credit card or prepaid card

It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( ( ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002. 
This is proof of discrimination!
Product: Debt collection

This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX Account Number XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. OnXXXX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX XXXX. Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of XXXX I received a hard inquiries on my personal XXXX Credit Report from PNC Bank which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from PNC Bank in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns and customer safety.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX accounts XXXX XXXX  {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXXXXXX XXXX  {$720.00} XXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Product: Money transfer, virtual currency, or money service

I opened a Crypto.com account in XXXX of XXXX. I purchased about {$900.00} of Shiba Inu that day or the next. Sometime in XXXX of XXXX, I wanted to see how it was doing so, I tried to log into my account but, I'd forgotten passcode. I emailed Crypto.com to change my passcode and they informed me that I needed to provide the phone number that I used to open said account in order to change it. I told them that I've since changed numbers so, I know longer have that number. They asked me to provide them w/a picture of my drivers license, a picture of me holding a piece of paper and a picture w/my elbow clearly showing me holding the paper, which was to display my full name, the days date and the code being sent to my email. I did what was asked of me but, they said they never received either the picture of my drivers license or the paper w/the info displayed. This went on for approximately 2 weeks! I had about 4 different employees respond to my emails saying they were sorry for the mix up but, they needed all the info to be provided again. I gave up trying to after my last, " I'll be happy to help you if you'd provide the following information. '' Please help me because I'm at my wit 's end! Thank you in advance for your cooperation.
Product: Credit card

I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.
Product: Credit card or prepaid card

Open an American Express XXXX co-branding credit card last XXXX since it promised XXXX miles opening bonus when meets {$2000.00} spending requirement. Unfortunately i never received account opening bonus even i met the spending requirement. 

I have been talking to American Express customer service in the past several months and the issue still could not be resolved.
Product: Mortgage

We had previously had an ACH set up on this account that would always pull a month early. For example, it would pull XX/XX/XXXX for the XX/XX/XXXX payment. However, after updating the extra principal amount for this loan to round up to a flat amount of {$1000.00} the entire ACH and payment process has turned into a disaster. 

I keep having people message me on the portal stating that the ACH will successfully process a month early, yet this never happens. I made a XXXX payment early on XX/XX/24 in the meantime since the portal stated that an ACH would not process until XXXX for my XXXX payment, even though I wanted it to pull on XX/XX/XXXX. However, when I went to check my portal today they had completely reversed my XX/XX/24 payment and it says that my last payment was received on XXXX. I even have a payment confirmation email that I have attached from XX/XX/24 stating that I made a payment to my mortgage, so basically they have straight up lied in their communications to the borrower. I am not sure what is going on with this servicer. All I want is for an ACH to process the first of every month with an additional principal payment of {$42.00} for the payment due on the following month for a flat amount of {$1000.00}. I have communicated this to them via fax and portal messages, yet they still can't do it properly.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accountsXXXX XXXX XXXX  # XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case