23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2019 around XXXX XXXX I tried to temporarily lift my credit freeze with Equifax. I tried their website, but was informed that it could not be processed at that time. 
The website also said i could write to the company or call an XXXX number and use their automotive telephone service to lift my credit freeze. I called the XXXX number provided ( XXXX ) and after going through a series of prompts I was informed that the service could not be provided at that time. I then went through additional prompts to talk to a service provider who informed that the system was being upgraded and they could not access my credit information to make any changes. The Equifax representative said to call back in an hour. Before I hung up I told the representative that their home webpage did not inform one that the system was unavailable. And that I wasted 15 minutes navigating through their website and XXXX number before speaking to a live person who only then informed me the system was undergoing maintenance and upgrades.I said that information should have been provided on the home webpage and in the introductory announcement on their XXXX number in order to save consumers time and money!!! 

I repeated the same process on Saturday XX/XX/XXXX at XXXX XXXX. Again no notice on the home webpage or on the XXXX number that their service was down. After going through the phone ladder with no success I again ended up with a service rep that informed me the system was down, was being updated and to call back in an hour. I told the service rep that was what I was told yesterday. She could not give me any other answer other than to call back in an hour. I asked she lodge a complaint for me as I could not find anywhere on their website that would allow me to provide critical feedback or lodge a complaint. I have no faith that my complaint was ever recorded and forwarded to Equifax  management as she provided no mechanism for me to ever find out if it occurred. Furthermore I told them I was also going to lodge a complaint with CFPB. 

This unacceptable as I can not get my credit freeze lifted and nor was I given a accurate time when I could access and change my credit freeze. It does not seem feasible that a multi-billion dollar financial agency would update their system during normal working hours thus rendering their system unusable. Or, if they in indeed were updating their credit reporting database, why did they not not alert their millions of customers on their home webpage that no credit changes could be made during the update process? I have no proof, but their database updating story is so inept it strains credulity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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 furnish a account without my written instructions
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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights. Or a 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: Debt collection

XXXX XXXXXXXX XXXX has reported a fraudulent debt for the past years and has refused to resolve to issue as reported the account was opened XXXX XXXX XXXX This account conflicts with the time I was a resident at XXXX XXXX XXXX XXXX XXXX XXXX XXXX That lease started XXXX This account was opened prior to me living at the address and does not belong to me. This account has been flagged as fraud and ignored and this account has been flagged to be investigated and also ignore
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 werent feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account with this company & they are reporting negative information on my credit report. This is a case of identity theft & according to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.
Product: Mortgage

The nature of the complaint is based on a failed fiduciary responsibility by Citizen 's Bank ( XXXX XXXX and XXXX XXXX ). Additionally, real estate specialists XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ) in conjunction with the aforementioned financial institutions did not exhibit sufficient professional competency. A gross lack of professional expertise wa s displayed in this faulty real estate transaction between XXXX and XXXX. The property in question is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I, XXXX XXXX, was adversely effected by excessive delays, unethical practices and manipulation as it relates to the closing date ; this was orchestrated by Citizen 's Bank and the associated real estate agents. Supporting information : I signed a sales contract in XX/XX/XXXX in which I obligated myself to be ready, willing and capable of purchasing the property at XXXX XXXX XXXX, XXXX XXXX MI XXXX. The XXXX family, ( father and son ) also signed the same sales contract obligating themselves to deliver their title interest to me upon my satisfactory completing of my contract ual obligations. XXXX XXXX, representing the XXXX XXXX  XXXX XXXX. Of XXXX XXXX XXXX, XXXX, MI XXXX was/is the listing agent. On XX/XX/XXXX, he decided to withdraw from the real estate just before closing, sighting the long delays between responses with XXXX XXXX as his reason for not finishing. In addition to the physical work required to bring the su bject property up to city code, I spent hours, personal resources ( including but not limited to monetary value ) and had the help of many supporters in this real estate transaction which benefited the XXXX family and Citizen 's Bank. The value of the property at XXXX XXXX XXXX XXXX was substantially increased at my expense. I was forced to seek legal assistance, via a mechanical lien, to acquire partial compensation for the energy and money I put into the property. Your investigation into this matter is requested. Thank you for any assistance youre willing to provide.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ALL ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Reference number - XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reference number - XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 _____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Checking or savings account

On XX/XX/XXXX, during the hours of XXXX and XXXX I went to the XXXX XXXX XXXX to utilized the ATM which is owned by the Citizens Bank XXXX I am also a member of the Citizen 's Bank for over 19 years. I attempted to retrieved {$600.00} from the ATM. During my transaction, the ATM machine screen went black and shut down and attempted to restart itself, however the screen remain black/blank. I did not get any money or a receipt. 

I attempted to call the customer service and the automation phone service stated it would be a 20 minutes wait before someone could help me. I was on my lunch hour so I ran to the nearest Citizens Bank which is in the XXXX XXXX XXXX  XXXX. I explained to the Teller what had happened, the Teller informed me that it showed that the money was withdrawn, however, the machine is attached to their branch/bank so they can not help me. 

I was still on hold while seeking in person assistance with the XXXX XXXX XXXX. The customer service representative on the phone stated I should file a claim which I did over the phone. On XX/XX/XXXX, there was a deposit of {$600.00} into my account and was immediately withdrawn by Citizens. I went on vacation on XX/XX/XXXX. I came back a week later and there was no deposit of my money in the account. I went to the XXXX XXXX branch to seek assistance and I was told there was no error with the ATM and that is why the money was withdrawn immediately after they ( Citizens ) deposited it on XX/XX/XXXX. I have been calling Citizens bank since XX/XX/XXXX trying to resolve this matter, I have been treated unfairly, again I have had this account for over 19 years. I am now seeking your assistance in getting my money back. I have tried asking the bank for the ATM video and computerized transaction for the week. I was told, I needed a subpoena. Attached, please find a photo of the ATM machine and my police report. Please help me get my money back. I am a homeowner, a husband of XXXX XXXX XXXX I can not afford to lose this amount of any amount of money. I need this matter resolve and I feel your office is the only one who can assist me in resolving this matter. Thank you.
Product: Checking or savings account

To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Bank due to their repeated failure to provide critical tax documentsspecifically, 1099-INT forms or alternative proof of interest income and tax withholding for XXXX and XXXX my persistent efforts. This issue has prevented me from filing a tax refund claim with the IRS before the XX/XX/XXXX, deadline for my XXXX taxes, potentially causing financial loss. 

Background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, residing in the XXXX since XXXX. From XXXX to XXXX, I was a XXXX XXXX  and under U.S. tax law, my bank interest income should be tax-exempt. I hold multiple accounts with Wells Fargo, including numerous Time Accounts ( Certificates of XXXX ), with known account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Wells Fargo did not request a XXXX form when these accounts were opened, resulting in 30 % of my interest income being withheld in XXXX and XXXX. I submitted a XXXX in XX/XX/XXXX to correct this, but Wells Fargo failed to update my accounts, necessitating another submission in XX/XX/XXXX. After the XXXX submission, I successfully received a XXXX refund via Form XXXX, but I still lack the XXXX and XXXX records needed for prior refunds. 

Efforts to Resolve : I have made exhaustive attempts to obtain these documents : Phone Calls : I called Wells Fargos toll-free numbers ( including XXXX ) multiple times, but all calls were answered by automated systems with no option to speak to a human representative, preventing meaningful assistance. 
Branch Visits : I visited two branchesXXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX several occasions, but staff were unable to provide the requested XXXX forms or resolve the issue. 
Online Banking : I attempted to use the Secure Message feature on Wells Fargos online banking platform to request the documents, but the function is currently unusable, leaving me with no viable communication channel. 
Impact : With the XX/XX/XXXX, IRS deadline approaching, I urgently need the XXXX forms for XXXX and XXXX to file Form XXXX and claim a refund for taxes improperly withheld from my Time Accounts interest income. Wells Fargos failure to provide these documentscompounded by their negligence in processing my XX/XX/XXXX XXXX submission and lack of accessible customer supporthas left me unable to meet this deadline, risking significant financial loss.
Product: Debt collection

I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under The Fair Credit reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies. XXXX XXXX account XXXX has been disputed several times. This account has been opened fraudulently. The credit bureaus have failed to conduct a reasonable investigation and have continued to report inaccurate information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within XXXX  days to avoid further action on my part. I appreciate your prompt attention to this matter.
Product: Debt collection

It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. 

XXXX XXXX XXXX XXXX  XXXX  was the original creditor. We paid all medical  bills before as my credit was 800+ before this.
Product: Checking or savings account

I was a victim of identity theft there were several checking and saving accounts opened without my consent. Im requesting to have these accounts removed and blocked from XXXX XXXX
Product: Credit card

Hello gentlemen. My name is XXXX XXXX XXXX XXXX, social security number is XXXX card The Capital One company closed my credit card account XXXX without notice and without explanation. However, they did withdraw the payment of XXXX dollars from the bank of my son XXXX XXXX XXXX, social security number is XXXX. It is not right. We are a family from Florida that has suffered the ravages of hurricanes and we have had economic problems. My son, XXXX XXXX is going to serve in the XXXX. They should not do that to us. We have always paid him. It would be discrimination for being XXXX.
Product: Bank account or service

Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know
Product: Student loan

Hello, I am part of the XXXX XXXX XXXX federal case, and my loans were set to be discharged by XX/XX/XXXX of this year. As of today, my loans are still on my credit report, in the FSA site, and on Mohela 's site. No one has been able to provide any sort of update or timeline on the discharge happening. Meanwhile because of my credit report, it is impossible for me to move forward in life with what my family is trying to do. 
Thank you
Product: Credit reporting or other personal consumer reports

In late XXXX XXXX XXXX I closed my account with XXXX XXXX. In late XXXX I received a card from XXXX XXXX XXXX  and I called to again advise them the account had been closed and was not used whatsoever. They apologized for the error. 
In XXXXXXXX XXXX XXXX I was advised by XXXX XXXX and Experian that I had been marked with an overdue payment from XXXX XXXX XXXX. I contacted XXXX XXXX immediately and they told me they would correct the error. I also submitted an appeal to XXXX XXXX and Experian regarding the incident to correct my report. They have advised I must submit a complaint to CFPB along with supporting documents of this concern. This error has had a substantial impact on my credit score affecting job applications and financing to the negative in my character.

Primary points 1 Card was cancelled and paid in full in XXXXXXXX XXXX XXXX 
XXXX A New card was issued without my request or authorization and has never been activated or used. 
XXXX XXXX XXXX charged me a fee and interest which I protested and they did in fact make the adjustments, however, they did not correct the late charge reporting with credit reporting agencies. 
XXXX XXXX XXXX has opened an appeal on my behalf today, with a request to report the incident to CFPB and send them a copy of the complaint by US Mail.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX  sent me a XXXX ( cancellation of debt ) post marked on XX/XX/XXXX. 

Per Federal Guidelines : These reports are due XX/XX/XXXX, for XXXX payroll taxes, including annual wage and tax reports, unemployment tax reports, and Form XXXX ( the quarterly payroll tax report ). 

XXXX forms and XXXX forms, to employees and non-employees. 

By XX/XX/XXXX, annual wage and tax reports must be given to employees and independent contractors who did work for you in XXXX. That's XXXX for employees and XXXX forms for contract workers and outside businesses you made payments to. If you aren't sure whether to send a XXXX to someone, check this article about who must receive a XXXX. 

While tax season doesn't begin until XX/XX/XXXX for personal tax returns, including small business tax filing on XXXX XXXX for small businesses, some people like to get an early start on tax preparation, so the sooner you can get these forms out, the better. 

XXXX Forms to SSA and XXXX forms to IRS Submit transmittal forms for XXXX to the Social Security Administration by XX/XX/XXXX. That's Form XXXX, along with all XXXX and Form XXXX, along with all XXXX forms. This deadline includes forms filed electronically. 
Submit transmittal forms for XXXX to the IRS by XX/XX/XXXX. 

A complaint has also been filed with the Ohio Attorney Generals Office, and Ohio Civil Service Office due to other illegal practices this company has committed. A separate complaint will be filed to the CFPB that describes the illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.
Product: Debt collection

XX/XX/2023 between XXXX XXXX to XXXX XXXX arizona time we talked over the phone during this conversation I was lead to belive we had a settlement agreement. This was not the case my credit report instead shows only a change in the amount owed reaching out to XXXX XXXX the debt collector was of no help as he stated that he would send over a copy of the settlement agreement but I instead received a summary of owed charges via email.