23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns of consumer safety
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX HARD INQUIRY ON TRANSUNION REPORTING AGENCY ON XX/XX/scrub>XXXX NOT MINE I DIDNT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CONSUMER REORT AND REALIZED THAT EXPERIAN HAD PULLED MY CREDIT TWICE WITHOUT ANY PERMISSIBLE PURPOSE.THE INQUIRIES ARE LISTED BELOW. 

1.XXXX XXXX inquiry date. XXXX XXXX 2.XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for financial assistance at the XXXX XXXX hospital and I was approved for low income. It included the debt that this collection agency is trying to collect from me. Its obviously a fraudulent charge because it should appear at the XXXX XXXX hospital located in XXXX Georgia that I have low income and as a result I qualify for waiver of my medical bills at XXXX XXXX which are not a lot since my primary doctor is located at XXXX XXXX where I am currently attended for low income medical assistance. This credit collection is trying to collect a debt that doesnt longer exist. And is also threatening or suggesting to report me to the credit bureau which will damage my credit score for which I have worked hard and standing all day to be able to have a fair credit score and qualify for a better job because I had a job in a better field but I lost it due to a previous illness. They also mention are threatening me with legal action by mentioning a judgment. I tried to contact them today but there is no response which thats the tactic this collecting agencies use to just create more stress and waste of time to people who are busy and we dont get to have many days off. See attached letter for debt collection and proof that I am patient of mercy clinic which is low income non profit clinic which XXXX XXXX hospital took into consideration to approve my medical request for fee waiver.
Product: Debt collection

I have applied for Financial Aid- However Paper work was reshuffled to where I do not know. 
Additionally was given signed papers to send to XXXX XXXXl attached to each and every so called unpaid bill - However those letters seems to also get misplaced at time of opening them by the billing department of XXXX XXXX XXXX I have Blocked the telephone # after I had returned a phone call ( before having gone to Legal Aide of XXXX ) However they somehow seem to have resources to access my phone anyway and commence to call several times a day Thus violating several Laws. 
My only source of income is my Social Security - And there are loads of rights that I as an older adult should have and do have This is gross abuse of an consumer
Product: Checking or savings account

**Complaint about Truist BankXXXX I opened a business bank account with Truist Bank XXXX XX/XX/XXXX. I received a wire transfer from a title company on XX/XX/XXXX, but my account was blocked and they have been holding the funds ever since. Today is the XXXX, and despite calling multiple times and being promised callbacks, I have not received any. 

Every time I call, Im told the funds are verified and good, confirmed with the sending bank and sender, yet no progress has been made because they haven't heard back from the analyst handling my account. I have invoices to be paid and a mortgage on the property, and this delay is severely affecting my business. Truist Bank is holding onto my money and ruining my business.
Product: Vehicle loan or lease

This complaint is in regards to Ally Finacial and my account number with them is XXXX. 

My mother and I jointly bought a XXXX XXXX XXXX, it was surrendered to the bank and sold at auction, leaving a final balance of XXXX dollars. She told me she would take care of rest. A year later I checked my credit report ( i know fault of my own ) and noticed she never made a payment. So I am now attempting to pay it off on my own since it is also in my name, but any time I call Ally financial ( XXXX ) they transfer me to a different department and ultimately after 3-4 transfers i get to a department that is closed and am told to call back the next day, I've done this for 4 days now and I keep getting nowhere with this company. they tell me they tell me the asset retention team will help me but after XXXX voicemails and multiple calls to their department during their business hours I get their voicemail and have yet to talk to anyone in that department. They can see my account, see that i owe them money, but are not interested in helping me whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I am still an authorized user. They have not updated the account in 90 days. I have not been on the account as an authorized user in more than 4 months. The account number is : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I booked a one night stay through XXXX  with my cash app card. When I got to the hotel they had no rooms available. XXXX did not refund the {$66.00} I spent in for the room. 

I had to wait till the transaction actually posted or completed to file a dispute and now on XX/XX/XXXX cash app is talking about they don't have enough info. They want me to contact the merchant to obtain something in writing from them. I have refused as I thought this was there job as part of the dispute process. And they have not returned my funds either.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violation

s Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons
Product: Credit reporting or other personal consumer reports

SEE ATTACHED LAW BELOW This company ( XXXX XXXX XXXX XXXX ) Is violating laws and reporting false and unauthorized information without my consent.

Breaking law 15 USC 6802b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old information
Product: Student loan

I XXXX from XXXX XXXX XXXX in XX/XX/2004. My student loans have been on the income driven repayments ( IDR ) plans. However, I don't have records showing how many cumulative years I have earned towards a discharge since my loans were transferred multiple times to different student loan servicers. 

I have been on programs offered by the US department of education such as : 1. Economic hardship deferment 2. Repayment under certain other repayment plans XXXX. Periods when your required payment is XXXX I would therefore would like to know how long I have been on the IDR and if I am eligible for a discharge of my student loans for XXXX schools attended.
Product: Debt collection

The statement dated XX/XX/22 has a settlement amount due of {$300.00} to settle for less, the amount of payments on that statement is {$280.00}, which is incorrect I paid XXXX ( which you can see with the portal paid to date ) with the last payment made XX/XX/22 which should have settled the debt. Now XXXX they are saying the new settlement amount is {$400.00} to settle. This should have been settled with the {$330.00} that has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Student loan

I have student loans that were in default as far back as XXXX with XXXX XXXX. In XXXX I was made aware of the consolidation option through Navient which I completed in XXXX, XXXX. In XXXX I contacted XXXX XXXX to discuss the old loans on my credit report ( at least 9 years old ) and was told my information was with Navient. Upon contacting Navient I was told there was nothing they could do because they do n't have my files and I needed to contact XXXX XXXX. Long story short I was given the run around for several months and finally got through to someone at Navient that explained to me that they DO have my records but could n't do anything concerning how they are reported to the credit bureaus. I basically gave up because I was tired of the run around and to this day ( almost 11 years after some of the loans ) they are still on my credit report. I was also told that my application for income based repayment was n't complete because of a missing 1040 form. I contacted Navient and they told me the IRS site was " broken '' and that 's why it was n't imported. My payments are set to go up to $ XXXX beginning XXXX. Hopefully I can get the info one of the other ways they described in time to get my payments reduced because I do n't have $ XXXX to pay Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 719XXXX  has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, B, AND A that NORDSTROM/TD BANK USA , XXXX XXXX and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ) Thank you,
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence regarding the inaccuracies in my credit report. I have attached conclusive proof that contradicts the information currently reflected in your records. 

The account in question, held with XXXX XXXX was not charged off in XXXX of XXXX as indicated on my report. I wish to reiterate that the final payment for this account was made in XXXX of XXXX, as is clearly evidenced by the attached documentation. 

It is crucial that this discrepancy be addressed promptly to ensure that my credit report accurately reflects my financial history. This error has the potential to significantly impact my creditworthiness, and I believe it is in the best interest of all parties involved to rectify this situation without further delay. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct the information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

I trust that you understand the gravity of this situation and will treat this matter with the urgency it demands. I look forward to your prompt response and a resolution to this issue. 

Thank you for your attention to this matter.
Product: Credit card

Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.
Product: Credit reporting or other personal consumer reports

I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to 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. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Texas branch reported my loan account 30 day late. It is reporting on CRA for XX/XX/2021 as 30 days delinquent. XXXX XXXX is branch manager at XXXX XXXX Texas location. I spoke to her today XX/XX/2021 at XXXX in regard to Fair Credit Reporting Act statue - Duty to Provide Notice to Customer, Timing of Notice and Format of Notice. I asked XXXX XXXX if they notified me in writing no later than 30 days after furnishing the negative information to CRA. She replied XXXX. She stated No notice was mailed to me regarding this negative information reported. She also stated she was not familiar with fair credit reporting act and stated she would not remove negative information even after learning she violated the FCRA. In accordance to FCRA she has violated my rights by failing to uphold the Duty to Provide Notice to Customer, by not adhering to Timing of Notice and Format of the Notice and this has caused me harm.
Product: Mortgage

I have been attempting to remove PMI on my mortgage with Shellpoint Mortgage Servicing as of XXXX XXXX. After a multitude of phone calls and correspondence and complaints, I received a letter from them dated XXXX XXXX XXXX stating that my PMI removal had been approved effective XXXX XXXX XXXX. However, during subsequent inquiries about the PMI premium amount not being removed yet, I received a letter from them dated XXXX XXXX XXXX whereby they state that " the PMI has not been removed from the loan as the PMI process has not been completed. '' And they further state that " Since the PMI has not been cancelled, the statement provided for XXXX XXXX is correct. '' This is contradictory to the answer they provided in the XX/XX/XXXX letter and is essentially retracting their approval and reneging on their commitment. 

Shellpoint continues to drag out this process unnecessarily and unwarranted. Because of this, I am forced to continue to pay the PMI premium and have absolutely XXXX trust that I will be refunded those amounts based on their initial approval. They need to be held accountable to their initial response and proceed accordingly and in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX  XXXX, and XXXX XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is XXXX/XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.