23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 
According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 
In the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 
XXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 
I believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company on [ Date ] and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I wish to outline the multiple attempts I have made to address this issue : I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

[ Date ] : After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 

[ Date ] : Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

[ Date ] : I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress.

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX Balance : {$210.00}.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and saw a fraudulent account that does not belong to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have sent in three work certification forms to MOHELA and they all have been canceled and have been claimed to be duplicates. The first was sent XXXX, the second was sent XXXX and the third XXXX. They have stated that it takes 90 business days and each time I come close to the 90 days they claim it to be a duplicate. I am at 125 payments with my PSLF and can't help to believe this is a delay tactic from the servicer. I am very upset at their abusive tactics at handling their clients. The mental anguish is paralyzing.
Product: Debt collection

The Collection Agency, GC Services sent a letter that inclued PII regarding the estimated amount due on a state tax return to my husband 's ex wife. We checked with the state and her name is not affiliated in any way with our tax return. The state told us to have them cease and desist, however the damage is already done. Bottom line is they disclosed to my husband 's ex wife and her wife personally identifiable information and proprietary information, in addition to overstating the balance owed.
Product: Credit reporting or other personal consumer reports

I currently have unauthorized inquiries appearing on my credit reports. 

1.XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.XXXX  XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX 6. XXXX  Date of inquiry XX/XX/XXXX 7. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Product: Bank account or service

I closed out a certificate of deposit at IberiaBank. They mailed me a check for {$30000.00} and did not send it by certified mail. They sent it by first class mail. The check never arrived. It has been 30 days. They do not want to issue another check for 90 days. I do not believe they will ever issue a new check. Why am I supposed to believe someone who uses the excuse, " The check is in the mail! "?
Product: Debt collection

I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureaus XXXX, XXXX, and Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the BRCLYOLDNAVY account. Despite submitting multiple disputes ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Below are the details of the disputed account and discrepancies : Account Name : XXXX Account Numbers : XXXX : XXXX XXXX : XXXX Equifax : XXXX High Balance : XXXX & XXXX : {$220.00} Equifax : {$200.00} Credit Limit : XXXX XXXX XXXX XXXX {$200.00} Equifax : {$0.00} Late Payment Reporting : XXXX : 30-day late payment in XX/XX/XXXX XXXX : 30-day late payment in XX/XX/XXXX Equifax : 30-day late payment in XX/XX/XXXX Discrepancies : Credit Limit differs between XXXX and Equifax. 
Inconsistent late payment reporting across the bureaus. 
Equifax has erroneously marked the dispute status as " Consumer disputes after resolution '' despite the issue being unresolved. FCRA Violations : 1. 15 U.S. Code 1681i : Failure to ensure the accuracy of information and reinvestigate disputed items.

2. 15 U.S. Code 1681b : Inadequate verification procedures and potential violations of my privacy rights. 3. 15 U.S. Code 1681c : Reporting outdated and incorrect account details, including discrepancies in late payment dates. TILA Violations : 1. 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the due date, which did not happen in this case. 2. Failure to provide accurate and timely disclosures, as outlined in the Truth in Lending Act, causing harm to my creditworthiness. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the importance of timely and accurate statements from creditors, preventing unjust penalties and credit reporting errors. Desired Resolution : 1. Immediate removal of the inaccurate 30-day late payment notations for XX/XX/XXXX and XX/XX/XXXX across all bureaus. 2. Correction of the credit limit discrepancies to reflect accurate information. 3. Written confirmation of the resolution and correction to my credit report. The continued inaction regarding my disputes is unacceptable and has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action. 
I have attached all relevant evidence to substantiate my claims, including a detailed breakdown of discrepancies, payment history, and prior correspondence. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

Upgrade requires me to take a picture with a sign containing my personal info and my drivers license just to change a phone number. I moved and cant access my account online to get it closed out because UPGRADE refuses to change the 2 step verification process to my new phone number. Ive sent them multiple emails with the requested information. They are violating hippa & privacy laws. I have never seen such HORRENDOUS requirements to get a phone number changed just so I can access my account. 

Who knows how many others are locked out like this and can not access our money. This company needs to be investigated and shut down.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users 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 have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.
Product: Debt collection

I owed credit card Commerce Bank of XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX Recovery Department. Previously I was contacted I had set up arrangements for paying them through XXXXXXXX XXXX  XXXX, but had to drop them as it was a secured account. Received notice from XXXX XXXX XXXX that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact Commerce to see if they would accept the offer. Sometime before the XXXX of XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that XXXX XXXX XXXX placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXDEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have a 1099 to clear my debt and Ive filed multiple complaints and still no resolution even with proof and they claim the information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.
Product: Credit card or prepaid card

I was approved a loan with this business under the advertisement no interest for 3 years. They have been adding late fees to my principal loan balance, which is causing my monthly minimum to go from the initial amount of XXXX dollars to XXXX dollars. Also they are double charging for the late fees and adding interest onto the late fees, so if I don't pay the full amount of late fees they will add another late fee to the loan balance. I have spoke to the supervisor who kept beating around the fact that they are using late fees as a way to make interest. it is very misleading
Product: Vehicle loan or lease

American Credit Acceptance violated federal law by denying me credit which is discrimination. With the letter provided to me they mention their decision based on consumer reports submitted by XXXX. XXXX does not have my permission to be using my intellectual property or furnishing information about me. My household needs a vehicle and I was denied credit due to damaging reports from XXXX