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

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was transferred to XXXX XXXX XXXXXXXX Bank on XX/XX/22. I hadn't received any information on my new mortgage so I called on XX/XX/22 and was told that I would need to reach back out after XX/XX/22 for more information but that I wouldn't need to worry about it too much because there was a 60 day grace period after the transfer to catch up on my payments. 

Time got away from me and I was planning on signing up on the online portal this week when I received a packet in the mail indicating that my mortgage was past due and I was in collections. I immediately called their customer service line and was transferred to their collections department on XX/XX/22. 

I was speaking with XXXX around XXXX. I explained the circumstances of my mortgage being transferred on XX/XX/22 and they said there was no record of my calling the bank on XX/XX/22 and that the information was wrong and I only had a 15 day grace period. This person was extremely rude to me, refused to transfer my call because I was " already given the information I needed. '' I made the payment and when I said I still wanted to speak with someone, this representative hung up on me. When I called back later, I was again connected to collections but then I requested to speak with customer service and was eventually transferred to XXXX, who then informed me that it's the law that after a mortgage is transferred that I have 60 days grace to make my payments without penalty or reporting to credit bureaus. She apologized for the person in collections telling me that information. 

I was provided the correct legal information when I made the call on XX/XX/22. Regardless of how late I was in the process, the collections agent should have known the law and they should have provided me with the correct information. This was unethical to attempt to be the one to collect on this payment. I was going to make my payment this week without the XXXX XXXX thinking I was defaulting on my mortgage. Additionally, I think it's somewhat deceptive to send a collections letter without also noting that my 60 days grace period was almost at the end and to make the call right away to make my payment or else I would be in collections. 

The customer service representative, XXXX, was very lovely and was able to calm me down. They also said that they would file a complaint on my behalf but the more I thought about it, the angrier I became about the situation.
Product: Debt collection

**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

I am writing to bring to your attention an issue regarding the account with the following details : Account Name : EASTERN ACCOUNT SYSTEM I Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Creditor can not locate individual. {$580.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$580.00} ( as of XX/XX/XXXX ) Recent Payment : N/A Monthly Payment : N/A Original Balance : {$580.00} Highest Balance : N/A Terms : 1 Month As of the most recent update in XX/XX/XXXX, the account remains in a past-due status with a balance of {$580.00}. However, I would like to highlight some discrepancies and provide clarification regarding the situation : Creditor 's Inability to Locate Individual : The status update mentions that the creditor can not locate the individual. However, I am currently residing at the same address provided during the account opening, and there have been no changes in my contact information.

Lack of Communication or Notification : I have not received any communication or notification regarding the outstanding balance or attempts to collect the debt. There has been no correspondence, phone calls, or letters from your company regarding this matter. 

Absence of Recent Payment or Monthly Payment Information : The account details indicate that there have been no recent payments or monthly payments made towards the outstanding balance. However, I have not been informed about the payment options or provided with any means to settle the debt. 

Status Update : While the status was updated in XX/XX/XXXX, there has been no further information provided regarding the efforts made to locate the individual or resolve the outstanding balance. 

Given the discrepancies outlined above and the lack of communication regarding the debt, I kindly request that you review the status of the account and provide clarification on the steps taken to address this matter. Additionally, I would appreciate receiving information on how to proceed with resolving the outstanding balance.
Product: Checking or savings account

On XX/XX/XXXX I visited local Bank of America branch and the manager on site assisted me with depositing a foreign check for {$2000.00}. He assured me it would only be a {$40.00} fee and on XX/XX/XXXX I received a letter from Bank of America XXXX XXXX XXXX department stating check was returned. It listed {$40.00} processing fee but also a {$190.00} foreign/drawee bank fee. So {$230.00} was withdrawn from my checking. I was never informed of the potential for more fees beyond {$40.00} and had I been aware would have never attempted to cash this check. Also since check was returned and not processed I feel these fees should be refunded. The local branch and customer service are unaware of how to reach foreign cleans collection. Customer service is unable to refund fees as system does not allow them but have no idea who I can speak with regarding these fees. This is incompetent business practice. I have been an account holder since XXXX with substantial funds in accounts and request fees be refunded or at least the {$190.00} fee I was misinformed about. No attempt for resolution was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, XXXX is currently reporting to Transunion that I applied for credit/loan with their organization on XXXX XXXX XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the 6th time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XXXX XXXX XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from Transunion credit bureau. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
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. This lock of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Experian ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Experian ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Experian ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Experian ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have been receiving text messages from the company Scranton Recovery Group ( SRG ). The text messages are coming from a number listed as XXXX and states " Person 's Name you have ignored our chance to locate you, this is a time sensitive matter. Call XXXX file # XXXX. 'STOP ' to opt out. '' I have already opted out and the person listed is not me so today ( XX/XX/23 ) at XXXX, I decided to call into the number and ask who was contacting me. The representative would not advise me the company name, continue to talk over me repeatedly just saying the same phrase over and over again and that he was not going to tell me any information because i was over talking him and that he needed a notice number. Finally he said that was with a company called SRG, when I asked for him to elaborate because I couldn't find it on XXXX he continue to talk over me and I was so frustrated I told him to get XXXX himself. He was over talking me and would only repeat what he had already said and would leave XXXX room for me to speak or respond and when I would get a chance to respond he would immediately jump into talking over me and telling me that he didnt have to provide me his name or the elaborate on the business information for me to submit a letter in writing to remove my contact information from their company since I am not that person. It doesnt state they are a debt collection company in their text message, the representative never disclosed they were a debt collection company, he refused to provide me with any information on the company. Luckily I was able to locate the company name after replying STOP to the phone number that sent me the message again.
Product: Debt collection

This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.
Product: Bank account or service

On XXXX XXXX, 2014, I was unable to leave the property of First Merit Bank, XXXX XXXX, XXXX XXXX, Ohio because of a bank XXXX. I complained to the bank employees who did nothing. I was trapped at the bank. I filed a written complaint with the bank the very next day, including the following : " Because of this terrible situation I experienced at FMB, I tried to contact the offices of its XXXX, XXXX XXXX, to inform headquarters. I called the XXXX customer number. To my disappointment, XXXX would or could not give me contact information for the Bank 's corporate offices in XXXX. I then called the XXXX XXXX branch. To my continued amazement, teller XXXX had never heard of XXXX. ( Does n't the Bank educate its employees about such a simple piece of information? ) Nor could she tell me how to contact the Bank 's corporate offices. All she would say is call customer service. I informed her that I already had. XXXX had nothing more to add. '' No one from the bank ever responded. I resubmitted the complaint on XXXX XXXX, 2014. Still, to date no one from the bank has contacted me about being prevented from leaving the bank 's property, It is now more than half a year without the bank acknowledging the customer service problem, let alone apologizing or taking action to correct its mismanagement. It is against public policy and the public interest to be held 'captive ' by a bank and its contractors. And, just as bad is the inability or the intention of the bank 's customer service department to provide access by a current customer to the bank 's corporate staff. How can the public complain to headquarters when the lower ranks are a hindrance.
Product: Vehicle loan or lease

XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.
Product: Mortgage

The company filed a forcloser on me over a year ago and I hired an atterney to dispute the XXXX XXXX the company requested a dismissal of the case but the judge is still waiting on the final closer of this case.during this time the company has reported false information on our credit reports.This company has received more than fair amount for the loan but now refusses to give me a lean release .My atterny has given them until the XXXX of XXXX to give us the lean release.They in the mean time are reporting us as 30 days late on a closed account every month .I have documents of a letter written by them ststing they wouldnt report on our credit but they have been reporting me to this day.
Product: Checking or savings account

My chime bank account was hacked into like hundreds of other consumers. Someone transferred {$1700.00} out of my account through the pay friends feature. This was my entire paycheck which was direct deposited on XX/XX/XXXX and the transfer occurred on the same day. I had previously contacted chime about text messages that I was receiving about my account and they said not to worry about it. Now Im being told that I have to wait 10 days to see if I MAY be eligible for a credit. Until then, I have no money and when I asked to speak to a manager they disconnected the call. So far, I filled out an affidavit and emailed and faxed it back like hundreds of other consumers. I am unable to speak with anyone other than the person that answers the phone first when they decide to answer the phone. This is very frustrating because its as if they couldnt care less. After reading the reviews I read today, this bank should be closed down because this happens a lot in the same manner.
Product: Checking or savings account

I opened an online account with Affirm ( XXXX XXXXXXXX XXXX  ) Ive made 3 deposits. Two have posted and one is still pending! The money has been removed from my other bank on XX/XX/year>, but is still pending. I called and they claim its there, but I have no access to it! I have tried via website and the App. Ive called and get the run around. Its only {$25.00}, but thats not the point.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, they all consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, and TransUnion comply with federal law and provide consumers with the necessary proof of investigation.
Product: Debt collection

In accordance with the Fair Credit Report Act 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 furnish an account without my written instructions.
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request the removal into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.