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

I have an HSA with Optum Bank. They have an arrangement with XXXX XXXX where by HSA savings can be invested in public markets. However when trying to transfer funds from XXXX to Optum the Optum software often does does not work and customer service have been instructed to refer the matter to XXXX who are not responsible for the technology. When at last the institutions were accepted the funds were not in my HSA account at Optum. Customer service told me that inXX/XX/2024 it takes 2 to 3 days to facilitate a transfer. They claim XXXX is using the funds as float.All transfers I have ever done with XXXX were same day value. The purpose of HSAs as envisaged by Congress is to mitigate health care expenses not enrich Optum executive compensation using customer funds as float. These are hidden junk fees which should be eliminated immediately
Product: Checking or savings account

My father passed away. He died with three healthcare aides that needed to be paid, but his Wells Fargo account was frozen before that could be accomplished. 

His account had my brother and I designated as beneficiaries. My brother brought a death certificate to a NY branch and was given his share. I asked the NY banker by telephone if my share could be wired or sent ACH, and he said I had to visit a Branch to get a cashiers check ( Waste of time # 1 ). I went to a branch in XXXX, CO and sat there for over half an hour ( Waste # 2 ), while the banker was on hold trying to remove a hold from the account so my cashiers check could be drafted. In disgust, and to go to a business meeting, I left. He hung up on the XXXX XXXX line, and nothing happened. He then told me I had to be present when he dialed the XXXX XXXX group and wait in his office until they answered because they were going to ask if I were there and if he verified my ID. He verified my ID in the first 30 seconds of that 30 minute wait. 

Firstly, a half hour wait on hold is disgusting, and a clear demonstration of the lack of respect for anyones time. It was a waste of my time and the banker 's. Second, why should one group place a hold on the account, when the death has been verified, just to ask if the beneficiary has been authenticated, and require processing by telephone? Is that really so difficult a question that it should be restricted to a small group that clearly has more demand than supply for time. Why can't the authentication be done and the question answered through the same web site through which they look at the account? All it would take is the banker answering a yes/no question and filling in a document number ( passport, DL, etc ) on a webpage. Third, what is with this policy that I have to be present for the banker to call. These seem like an intentional obstacles to keep me from my money.
Product: Credit card or prepaid card

Please see attached Complaint Letter, Order/Invoice, Pictures of Defective and Damage Items, and Delivery Documents.
Product: Debt collection

Calls twice a day on behalf of XXXX XXXX including hang ups and calling my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights . 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.
Product: Credit reporting or other personal consumer reports

I had my credit score frozen and I attempted to unfreeze the account so that I could run my credit to obtain a motor vehicle loan. I was unable to access my account. I called Experian to address the issue and was told that my account had been compromised as well as an XXXX XXXX Account had been opened in my name. As a result, my account has been locked and I can not gain access until I prove my identity. I have faxed all the required documentation but can not get an answer as to how long this process takes. All the while I have a car dealership asking me what is going on and when will I know when the issue will be resolved. It is also worth noting that Experian customer service is horrible and it is almost impossible to get a live person to speak with. This should be investigated as they are in control of people 's lives and could care less about helping anyone.
Product: Credit reporting or other personal consumer reports

I filed a dispute on my account due reporting correct information, XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation, XXXX has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it is affected my chances of getting a house or car! XXXX violated my rights as a consumer as well of federal laws.
Product: Money transfer, virtual currency, or money service

Today, the Consumer Financial Protection Bureau ( CFPB ) sued the operator of Zelle and three of the nations largest banks for failing to protect consumers from widespread fraud on Americas most widely available peer-to-peer payment network. Early Warning Services, which operates Zelle, along with three of its owner banksXXXX XXXX  XXXX, XXXX XXXX, and XXXX  XXXXrushed the network to market to compete against growing payment apps such as XXXX and XXXX, without implementing effective consumer safeguards. Customers of the three banks named in todays lawsuit have lost more than {$870.00} XXXX over the networks seven-year existence due to these failures. The CFPBs lawsuit describes how hundreds of thousands of consumers filed fraud complaints and were largely denied assistance, with some being told to contact the fraudsters directly to recover their money. XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX also allegedly failed to properly investigate complaints or provide consumers with legally required reimbursement for fraud and errors. The CFPB is seeking to stop the alleged unlawful practices, secure redress and penalties, and obtain other relief.
Product: Mortgage

Problem Company : LoanCare , LLC is a XXXX XXXX and indirect subsidiary of XXXX XXXX XXXX, Issues : - deceptive practices including changing stories, lying, tell customers that they've accepted certain contracts or changes when they haven't - constant and repeated delay practices including failure to process documents, refusing to acknowledge receiving documents, excessively long hold times and hanging up on customers so they have to start again - unwillingness to respond or communicate in a timely manner - repeated failure to meet deadlines set by themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't verify me unless I provide a credit report to them. 

I called XX/XX/XXXX to unfreeze my credit report. I could not do this online because when I froze the account in XXXX, they did not have an online account system in place. The customer service person proceeded to ask me for the usual info : name, social security number, address, birthdate, and Equifax PIN That was not enough to verify my identity. They asked me : - my mortgage company name and monthly payment amount - all the credit cards I have and the balances - whether I have ever had a bank loan in my ENTIRE life ; who the lender was and what the amount was At this point I got mad and asked to speak with a supervisor. While on hold, I went online and tried to set up an online account which asked me for my name, social security number, address, birthdate. 
I asked to unfreeze the account and, shazam, it was done. 
Then, the so-called supervisor picked up and I asked why they needed so ask me so much on the phone when the online account management was so much easier. Of course, she didn't even address my question, but continued her script and said that she didn't know but next time I should get a copy of my credit report before I called. 
Here 's my question : if my account is frozen, can I even get a copy of my own credit and if Equifax can't verify who I am, how can I get a copy of my report?
Product: Checking or savings account

On XX/XX/21 someone called my from the bank 's member service number claiming to be from the fraud department. This person gained access to my account and made unauthorized transactions on my account. I immediately called CHIME that day explaining what had happened they disabled my account until XX/XX/21 and I submitted my disputes for the payments that were unauthorized. The bank is telling me I have to wait until XX/XX/XXXX to maybe receive a provisional credit to my account. This is frustrating because Ive spoke with numerous representatives from chime who claimed that they were working on figuring out how scammers were using their number. It's been over a week and I am still fighting to get my money back and chime acts like they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.
Product: Debt collection

XXXX from prelegal office for covering XXXX XXXX has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.
Product: Mortgage

My HELOC loan servicing was transferred from XXXX bank to Loan Care LLC in XX/XX/XXXX 2021. For the past three weeks I have been trying to make payments online but have been unable to do so. I called 3 times, each time told I'd have online payment access within a day or two. On my 3rd call ( XX/XX/XXXX/21 ) I had no confidence it would happen so I made a payment with the representative by phone. Guess what, I logged in today, XX/XX/XXXX21, more than a week since the 3rd call to them and still have no access to make an online payment. I called twice today, XX/XX/XXXX21 ; 1st call I was not able to ever get to a live person and got disconnected, 2nd call I did get to a live person, asked to speak with a supervisor, was placed on hold and after holding for 30 minutes the system disconnected me. They are charging interest on a balance that should be lower had I been able to actually make payments. I can not continue to spend all this time on hold when I'm simply trying to fix their situation and make payments. Unethical and the worst customer service experience I have ever encountered.
Product: Money transfer, virtual currency, or money service

TRUTH TO FACTS OF PAST TRANSACTION WITH FORD CREDIT A United States Principal Party in Interest, Citizen, signature, subscribed on a promissory note, is a valuable consideration collateral security, that is relatively liquid, in amount equal to the sum of Federal reserve notes, under the provisions of section thirteen of the Federal Reserve Act, but United States Principal Party in Interest, Citizens, are made to believe the promissory note, that is prepared by an agent or beneficiary seller bank, represents principally a investment or bailment to their lender or holder in due course, rather than a medium of exchange, that is acceptable for goods and services. 
Whereas, what beneficiary seller banks do, when they make a loan, is to take a promissory note, in exchange for credits, to the USPPI citizen transaction account or create a special purpose vehicle account, than calls a United States Principal Party in Interest Citizen, a borrower of their own collateral security. 
Therefore, what the beneficiary seller banks are doing is very different from what it presents it's doing, to the public common trust, while acting as a lender, that makes a trade of putting a collateral security note to interest. 
This is legalized fraud, under the Color of State Law, which is the adopted Uniform Commercial Code, that allows a third party to procure a original collateral security note, without recording it in the county, and converts it into a negotiable instrument that benefits an agent or beneficiary seller bank.

Whereas, the Several States, are impairing the obligations of contracts, promissory agreement notes, through licensees, that are using the adopted UCC, or Negotiable Instrument Law of private organizations, instead of acts enacted by Congress, under the Constitution for the United States of America. 
Therefore, " We the People, '' that appear in person or a beneficiary seller bank, ought to use the good sense from the Spirit within, in lieu common sense, and bring Treason Charges against the Heads of the Several States for placing " We the People '' in a State of Peonage under 18 U.S. Code 1581.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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

Sent the attached letter via mail on XX/XX/2021 to Transunion Credit Agency to have them investigate and remove an inaccurate account. As of today I have not heard a response. This company failed to investigate and remove an inaccurate account from my credit report in a timely matter. I also did not receive an updated copy of my credit report as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I just got letter from Synchrony Bank for my XXXX XXXX XXXX XXXX ending XXXX. I am using XXXX XXXX XXXX apps and make payment through mobile apps. In letter dated XX/XX/year> stating after review of your account Synchrony bank decided to close my account the reason is " The number of dishonored payments on this account " and I called they said your checking account number is not valid and payment didi not go through, but without any notification to me and now they closed account and send me letter in mail. advice me reapply again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

FCRA VIOLATION Dear CFPB Regarding Experian doing a sham investigation Failure to Follow new Laws regarding Medical Debt Failure to respond to provide customer service Failure to Remove Medical Debt ( XXXX  ) from XXXX Experian did a sham investigation. They have no customer service whatsoever to discuss the issue. On XX/XX/year>, Experian was notified that the Medical Debt account, of XXXX was medical debt and according to the XX/XX/year> ruling by the President and CFPB, MEDICAL DEBT IS NOT TO BE REPORTED ON THE CREDIT REPORT I have offered proof though my medical record that the account is medical debt however Experian violated 15 USC 1681 and failed to do a reasonable investigation The sham investigations and lack of customer service are a constant hardship for all customers. 

XXXX did an actual investigation and removed XXXX from from credit report The information should be consistent among the carriers. XXXX XXXX is doing their job however Experian is not.
Product: Debt collection

investigation shows the information to be accurate, I further request that youforward to me a description of the procedure used to determine the accuracy andcompleteness of the item ( s ) in question, including the business name andcontact information of any furnisher within 15 days of the completion of your reinvestigation
Product: Credit reporting or other personal consumer reports

upon disputing with XXXX, XXXX, Transunion i let them know address on my account/reports are inaccurate or outdated they refused removal after two disputes.
Product: Credit reporting or other personal consumer reports

Item XXXX : - Account Name : RESIDENT VERIFY - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : XXXX XXXX XXXX. 
- XXXX Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
Product: Credit reporting

Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to Experian I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Product: Student loan

I am on an automatic payment plan with my lender, Discover Student Loans. When I tried to use the same payment account that I use every month for the automatic payment to pay an additional {$2000.00} towards my principal the lender was unable to process the payment and reversed the payment without notification. I have also previously used this account to pay one-time payments without issue. Discover Financial ( the lender ) claimed that my bank was unable to locate my account. Upon confronting my bank, XXXX XXXX, they confirmed that Discover Student Loans did not event try to process the payment. 

This is one, in a long list, of times that Discover Student Loans tried to avoid additional payments towards my principal so as to protect the expected interest payments on the loan. To date I have still been unable to pay the additional {$2000.00} I would like to pay towards my principal. I want Discover Student Loans to accept additional payments as is there contractual obligation under the loan terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple CBE Groups double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.