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

this corrupt inept, scandelous company froze my credit w/out my permission, they have several XXXX, and XXXX XXXX XXXX complaints, i have called them several times and they never answer the phone, just tell you to leave a message which they never return, so right now they control my life and my credit by the freeze. i wa n't it taken off and this company fined. i have made complaints with XXXX, XXXX XXXX XXXX and atty general.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went online to apply for a small loan. I started putting in my information, name, address, where I banked etc. Then I got to a part where they asked me for my Banking username and password. I decided nope, not doing it so I left the website. They immediately called me and I explained to them that I wasn't comfortable giving that info and I had changed my mind about a loan. They continued calling until I had to block them. Meanwhile i was also receiving e-mails from them stating that I needed to mail them more information to complete the loan. I continued to ignore them. Today XXXX XXXX, XXXX I received a text message from them that said, Welcome to Best Egg! Your account # is XXXX Your first automatic payment is scheduled on XX/XX/XXXX for {$68.00}. View your account details at XXXX. I called them 3 times. The first lady hung up on me, the second lady said it was my fault because I gave them my bank info to just pay it back! I did not consent. XXXX  over it!!
Product: Credit reporting or other personal consumer reports

These inquires are unknow and not authorized by me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX Bank # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 general, 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.
Product: Mortgage

I am trying to pay my mortgage by logging into the PennyMac site. They are authenticating me by sending an email with a XXXX digit code. They only give 2 minutes to type the code in, but I am not getting the code for approximately 5-10 minutes. I have tried 5 times today and it is infuriating. There is no option to use a phone code or anything else, so I am stuck and I have a mortgage payment that is due. This 2 minute policy is unreasonable. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/2023, 6 fraudulent charges were made on my credit card without my consent in XXXX Texas. A charge for XXXX for {$47.00}, a charge for XXXX Auto parts for {$95.00}, a charge for XXXX Auto parts for {$25.00}, a charge for XXXX XXXX  for {$32.00}, a charge for circle k for {$4.00}, and a charge for XXXX  for {$8.00}. In between the circle k fraudulent charge and XXXX XXXX  charge is a XXXX XXXX charge which was made in XXXX XXXX Texas, which I legitimately used my card to make a purchase which is about XXXX miles away from XXXX Texas. A couple days after I had found the fraudulent charges I called USAA and they started the fraud investigation. A month later USA decided that I was liable for the fraudulent charges but I was in XXXX so I couldn't get back to them via phone so when I arrived back in the United States on XX/XX/XXXX I ask to reopen the fraudulent case. On XX/XX/XXXX, XXXX decided again the hours liable for the fraudulent charges even with a written statement explaining the situation. I called you USAA to find out the times for when the transactions were made but USAA was not able to come up with the times for the transactions that's the general date. USAA said they would call back but they never did. They said because the credit card chip was used in the transactions, I was at fault even though I had my own physical card in my possession XXXX miles away. Also the purchases do not match my purchase history or habits. Thank you for your time. 

I have attached my credit card purchase history for USAA and also my XXXX  XXXX card where I made a purchase in XXXX Texas for XXXX 's restraunt, which I believe is during the same time the fraudulent charges took place. I tried to get more information but USAA has failed to help me out.
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 my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds would be impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. That lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted Capital One, XXXX, XXXX, and XXXX  and have disputed this multiple times, in which Capital One reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.
Product: Credit reporting or other personal consumer reports

I noticed an account for XXXX on my credit reports. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided.

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX  XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX XXXX property owner of XXXX XXXX XXXX XXXX XXXX VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX  by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX XXXX XXXX County, VA banking institution is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( recent merger with SunTrust ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Payday loan, title loan, or personal loan

I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for over XXXX years and never had a problem. XXXX months ago I used my Venmo debit card to pay at the pump. There was a balance of {$62.00} I had on my card, I did not know the gas station held {$25.00}. So my account was negative {$25.00}. I did not know this until my account was frozen, I contacted customer service got transferred to different departments that could not fix the issue. Finally they informed me about the - {$25.00} and said I could resolve it by either funding my account or allowing them to debit it from my bank card. I allowed them to, and then the representative later told me something went wrong and they couldnt resolve it after all but they would follow up with an email shortly. Not long after that I was informed my account is is suspended. I still had a balance of over {$400.00} in there. They could not debit the - {$25.00} but instead told me I can no longer use my account. And there was nothing I can do about it. I asked them what was the reason to this. They instead told me my ticket is closed and to not ever contact them again, any on going messages would not be returned. But the strangest thing is that I then got a deposit of XXXX cent from a user named Venmocorp, that funded my account several times with XXXX cent and then withdrew it back. Its been almost XXXX months, they have said they will hold my funds for up to 180 days for loss prevention purposes. I have never encountered such a business as this. If they are going to close my account, at least release my funds and then close it for good. But instead my account remains opened, the funds are still there, Im even allowed to receive payments but I am not allowed to send or transfer my money out. That is the most mind boggling part to this. Please help me resolve this issue. If my account was suspended, how was it that I saw a transaction activity in which I did not ( could not ) even do from a merchant XXXX days ago! Now my funds are {$380.00}. So it is suspicious to me that they say I am not allowed to use my account, however there seems to be activity going on that I have no knowledge of? I just want my funds released and never ever ever have anything to do with Venmo again. Please help!
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 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 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.

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: Mortgage

A previous complaint was filed on XX/XX/ # XXXX. I have now received another letter from Truist dated XXXX that does not resolve my issue. I need to pay off my mortgage with them THIS WEEK. After being on hold with the XXXX XXXX department with Truist for XXXX minutes this morning, XXXX answered my call and once again wanted me to call the XXXX XXXX Department. I tried to request a current payoff statement with Truist again on-line and received a message that they could not release a payoff statement at this time. I have been more than clear in my many phone calls to Truist that I want to pay off my mortgage with them, yet they continue to hold my insurance funds of {$330000.00} in a restricted escrow account. In addition, they state that " a new check will be issued for 25 % of the insurance loss proceeds received up to {$10000.00} ", after repeatedly explaining that all funds sent to them should be applied to my loan and that I need a net payoff statement with those funds deducted. Also, I have told at least XXXX Truist employees that I have two additional insurance claim checks totaling {$33000.00} that I want to send them towards my payoff. I get answers like " I have no idea what to do with those funds ''.
Product: Debt collection

2 months ago i was served well my son was left paperwork from gurstel law and he was questions and asked personal information as to who lived here and now todayXXXX i get a letter with my husbands name on a debt when this supposed debt i was not with my husband and they have my sons last name which my son never gave to him he is a minor and i feel harassed as well my husband with his information and my son being questioned this is against the law because a officer cant even question a minor if an adult is not present.they are sending em letters that i have a lawsuit in court and can be sued when i already tried to resolve this and they did not accept
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to XXXX. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of XXXX : XXXX 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma
Product: Credit reporting or other personal consumer reports

Experian is reporting that there is a bankruptcy on my credit report and they are claiming it was verified with XXXX XXXX. According to XXXX XXXX it can not be verified on their end. Since the bankruptcy can not be verified it needs to be immediately removed from my credit report.
Product: Debt collection

I am writing to address a pressing matter regarding my credit report. Upon thorough review, I discovered the presence of a fraudulent account that has been erroneously listed under my name. This egregious error not only tarnishes my financial reputation but also undermines the integrity of the credit reporting system. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act acts by XXXX is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose Nationstar Mortgage LLC XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX XXXX
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX signed contract requested contract to be enforced filed complaint responded to legal team provided Toyota Motor Company Claim that is ongoing that was responsible for the lending. 

Reopened claim with Toyoya motor company