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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish 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 I want the CFPB to publish this description on consumerfinance.gov so that others can leam from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Leam how it works. I consent to person knows or has reasonable cause to believe that the information is inaccurate. 


Unauthorized Inquiries, report attached : XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX Feedback XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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

I believe I have been a Victim of Identity Theft. There has been XXXX or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed with XXXX XXXX, XXXX and Experian regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the unfair and harmful practices of XXXX and Early Warning Systems ( EWS ), which have unjustly impacted my access to personal and business banking and funding opportunities. Despite having an excellent XXXX XXXX and no prior issues opening or maintaining bank accounts, I have recently been denied access to financial services due to information reported by these agencies. This denial has caused significant hardship and stalled my business operations. 

I have taken extensive steps to address this matter, including opting out of their reporting services and directly disputing any inaccurate or unverifiable information they claim is associated with my accounts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), these agencies are legally required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. I have requested proof of validity regarding the errors they allege and proof of any accounts they claim I am associated with on multiple occasions. Despite my repeated efforts and the documentation I provided, including proof of my identity and the circumstances surrounding this issue, they have failed to comply with these legal obligations and have not validated their claims as required under the FCRA. I called and requested this information and they have been stalling, telling me it would take XXXX  days. It has been over XXXX  months now. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and a data breach involving my personal information, which could be contributing to the errors reported. XXXX and EWS have been notified of these critical details and have been provided the necessary documentation to validate my identity and investigate the dispute properly. Their failure to provide proof of any legitimate basis for the denials or correct the inaccurate reporting has caused ongoing delays, restricted my access to financial resources, and created unnecessary stress and hardship for me and my business.

I am seeking immediate intervention and enforcement of FCRA regulations ( 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i regarding dispute resolution ). I request that these agencies be held accountable for their non-compliance and that any unverifiable or inaccurate information affecting my banking access be corrected or removed promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and inaccurate information is listed. This creditor XX/XX/XXXX ( Original Creditor : 12 XX/XX/XXXX XXXX XXXX is showing a charge off account with an active balance on my credit report. I understand that a charged off account can not show an active balance it must show a balance of $ XX/XX/XXXX. Below is creditor information. 

creditor : XXXX XXXX Original Creditor : 12 XX/XX/XXXX account number : XXXX Open active balance reporting : {$9700.00} which is inaccurate credit reporting information.
Product: Credit card

I was sent an email promotion ( below ) in XXXX. I registered for the offer and fulfilled the terms but Citibank still has not yet credited the award. I called in for help and the person had no idea what I was talking about. They then provided me an email address to contact. On XX/XX/XXXX I sent an email and to date have not received resolution or even an acknowledgement. Its aggravating to have to spend my time to chase this down. I am owed XXXX miles. 


Hello, XXXX We love great rewards and know you do too. 

We noticed youve been missing out on earning miles with your Citi / AAdvantage credit card, so you have an exclusive offer to earn up to XXXX bonus miles. 

Its simple Register by XX/XX/year> Use your Citi / AAdvantage credit card to make at least one eligible purchase in three separate credit card billing statements and earn up to XXXX bonus miles
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX
Product: Mortgage

I went to make my mortgage payment on XX/XX/XXXX online and was unable. I called and Ocwen and was advised I was behind over {$9000.00}, which was not true as I had made, and Ocwen accepted all, of my payments to date. Upon further research, Ocwen indicated I had entered into two modification offers, which I never consented to accept ( one was for hurricane relief post hurricane in XX/XX/XXXX and was adamant that I did not want to accept any loan modification as a result of the storm nor any other loan modification agreement as I was continually making my monthly payments. This was ulimately confirmed on Ocwen 's end because they did not have a signed consent nor verbal acceptance of either offer ) After calling them three times to get the unapplied/suspense account ( balance over {$9000.00} ) properly applied to my principal balance, I was then told that all of those payments that were applied brought me current through XX/XX/XXXX! ( Keep in mind, Ocwen accepted all of my payments TO DATE through XX/XX/XXXX! ). I am gravely concerned my payments are not being credited properly and late fees and penalties are being accumulated when they should not be since I am technically current according to my records. OUt of desperation and because honestly Ocwen 's system breaks you down, on XX/XX/XXXX, I received a loan modification agreement dated XX/XX/XXXX, advising my payments had slightly increased. I spoke to an agent to inquire about modification terms, and they advised I was already denied for that loan modification ( I have in hand a loan modification agreement dated on that date, inviting me to enter into the loan modification agreement ). I am frightened and concerned and Ocwen is of no assistance on getting this matter corrected. This is impacting my credit and causing harm to my other responsibilites and above all stressful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, US Bank, a banking institution, domiciled in Minnesota, received a money transfer for me through electronic transfer, ( ach ). They proceeded to tell me the funds were not in their possession, even though, XXXX XXXX, confirmed to me, the funds left their possession, and they did not have them anymore. US Bank then told me they would be available, potentially in 2-3 days, once they confirmed they had them, even though I was told by the distributing company, XXXX, that they were transferred. 
At the same time, I wrote a check to The XXXX XXXX Tax Collector, dated XX/XX/XXXX, postmarked that same day, and mailed at the US Post Office, located in XXXX XXXX, CA. on that same day, XX/XX/XXXX. 
US Bank cleared and reduced my checking account by the amount of that check on XX/XX/XXXX. That is not physically possible to receive and clear a check in one day, at the same time they are telling me my funds are not available. 
When I called them, to ask them about this behavior, I was put on hold indefinitely, then told I could talk to a manager, which they then transferred me to another rep, not a manager. I was told I would be called back in three hours, which never occurred. When I called them back the following day, XX/XX/XXXX, after I saw online what happened. I was rudely talked to by a manager, and told that she was recording the call without my permission, and if I did the same, she would hang up. I hung up at that time. I believe the bank is using " float '' to deceive the consumer, without their knowledge, or agreement.
Product: Credit reporting or other personal consumer reports

This is a follow up on a claim that i submitted on XX/XX/year> against experian, reporting 3 inquiries that i dont recognize on my credit report. They sent me an email saying that my complaint was resolved. When i try to go into the dispute results it says that arent available online, also havent see any update on my report. I would really appreciate that you guys double check with them. Attached there is info about these inquiries and a report from identity theft. Thanks for your help and pront action. 
Best regards, XXXX XXXX
Product: Debt collection

Genesis FS Card Services XXXX XXXX XXXX. I have been disputing this card for over XXXX years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party XXXX  associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$25000.00} into an ATM. Without any warning, my account was completely locked the next day, leaving me with no access to my funds. 

Over the next XXXX weeks, I visited XXXX different branch offices, including the one where I originally opened my account years ago. Initially, they suspected the check was fraudulent. I received absolutely no communication about my money or when it would be available. 

I've reached out to US Bank more than XXXX times, trying to resolve this situation. I was able to close the loop on the deposit and return the check to the original party, who was waiting on it for a construction project. 

I'm still fighting to get my {$25000.00} back from US Bank. They've provided no timeline for when I can expect my money to be returned. This delay is significantly impacting my XXXX XXXX  and causing ongoing financial hardship and directly impacts my XXXX.
Product: Mortgage

I open a complaint on XX/XX/XXXX one day the next day your office closed it out saying that this is a duplicate complaint it is not this complaint is in reply to their response Each time they keep lying to your office and keep pushing the dates back. Enclose you will see what they have been doing to me and cheating me for years. First of all in XXXX I refinance with this Company around XXXX} they gave be a credit line of {$100000.00} I took out XXXX and that was it This was a Home Equity loan than about five years ago they changed it to a mortgage.. Now after Ten years they have my balance the same amount. I never used all of the loan but if you look at the statement from last mouth you will see what I talking about for years I've paid in XXXX I paid XXXX dollars because they took my mortgage money and said that they paid my taxes. I put in a complaint then but they wrote to your office and was lying but the case was closed The next thing on going since XXXX I over paid them because I had used my second bank account in error once I found out what I did I paid them before the 15th of the month they cashed that check on that day and that's was the same day and date the cancel check came to me. It took months before they gave me credit for that month but then they tried to say I did not pay in XXXX. I had to show proof then for over a year up to this day they say I did not pay XX/XX/XXXX, Now they saying XXXX XXXX it was last and put everything behind. I'm enclosing bank statements from XX/XX/XXXX to XX/XX/XXXX your office have on file from XX/XX/XXXX up until XX/XX/XXXX. I have dealt with three Chairman of the Board Secretary since XXXX All of them lie but the worse is XXXX XXXX XXXX I told her that I no longer wanted to speak with her because from her mouth she said that she was not over anyone and they was all lateral to her. I told her that I wanted to speak with her supervisor, she then hung up on me. She called me a week later after I had called her and left a message on a Saturday about someone calling me back and her hanging up on me. When she did call she acted like nothing happen and said the phone must have lost signal. .I told her again I wanted to speak with her supervisor because she was a liar and I had no faith in her or her ability. She hung up I never received a call from her supervisor the next then I knew Calling CFPB that she wrote up a lie and the case was closed again. this is a big cover-up that will be reveal to the Nation and how this office treat minorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

This appeared on my credit report. No idea what it is or who it is for. Asked for a debt validation a year ago and haven't received anything.
Product: Debt collection

XX/XX/XXXX : Document 1 : Insurance Billed for {$2000.00} for emergency Physician Patient responsibility for {$100.00} XX/XX/XXXX : Document 2 : {$100.00} Billed to patient.

Document 3 : which was paid by Individual through XXXX. Account. 
Doc 4 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate Physician change Doc 5 : XX/XX/XXXX : another bill from XXXX XXXX XXXX for XXXX emergency Physician on XX/XX/XXXX. 
Doc 6 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate physician charge. I called to make sure that I could ignore this. XXXX  representee said yes because I would not be held liable for a duplicate charge. XXXX would take care of it. 

Doc 7 : XX/XX/XXXX : YES 18 MONTHS LATER. Received letter from Wakefield and Associates stating that I owe them {$1800.00}. 
I contacted a XXXX at Wakefield and Associates who had to give me information about what the billing was for. I then dug up all my old medical documentation and contacted XXXX. XXXX stated that they would take care of it and contacted XXXX of Tennessee. ( see email in Document XXXX ). I did not hear from the collection agency, Wakefield and Associates, after I got this email from XXXX Kansas. I figured that the issue had been resolved. 
Doc 8 : XX/XX/XXXX : Email from XXXX Doc 9 : XX/XX/XXXX : Forwarded email from XXXX  to Wakefield and Associates. 

Didn't hear anything back- so I figure this was resolved. 

Doc 10 : XX/XX/XXXX : Received another letter from Wakefield and Associates. I did not follow-up on this letter, because obviously it didnt help last time. 

XX/XX/XXXX : I am now reporting them to Consumer Complaint because evidently, they are really trying to double charge people. It is a good case that I keep all these records, otherwise they might get away with double charging.
Product: Credit card or prepaid card

Bank of America requested additional documentation : Green Card,  tax return, bank statement - everything was mailed, and then I relieved a letter with a decline reason : " unable to verify information ''. I have several CC approved already. Somehow they were able to verify, but not BOA. I tried to contact them via the phone to no avail. 

Application Reference # XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Also please see uploaded documentation.
Product: Credit card or prepaid card

I talked to Chase Bank customer service, and explain to them that I did not apply for a chase credit card. The person I talked to told me on XX/XX/XXXX that he would stop the application and remove the hard inquiry from my XXXX record which he did not. Now on XX/XX/XXXX Chase got a hard inquiry of my XXXX  record after I told them that I did not apply for a chase credit. 

I need help before Chase open this card up in my name I dont mine paying the bills I make but I can not afford to pay for something someone make. 

Thank you. 

PS. Chase need to remove the hard inquiries from my credit reports like they Said would.
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 allowed repeat offenders to exploit the system, leaving users vulnerable to scams.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 allowed repeat offenders to exploit the system, leaving users vulnerable to scams. From a loyal customers perspective this expresses a lack of accountability and transparency and is unacceptable and raises serious concerns about consumer safety.