23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a CD account with Bank OZK on XXXX XX/XX/XXXX in the amount of {$40000.00}. 
Bank OZK transferred the funds from my checking account at XXXX XXXX. 
Bank OZK opened the XXXX account, but the money disappeared within 2-days. As of today ( XX/XX/XXXX ) they keep telling me not to worry, the money will show up after a 30-day hold. The hold ended two weeks ago, and the money is missing, no help from Bank OZK customer service. 
Not sure if it's embezzlement or bank incompetency.
Product: Credit reporting or other personal consumer reports

Introductions : Federal Legal Standing and factual evidence XXXX in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i. I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 XXXX is governed by 15 U.S.C 181. 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 U.S.C 1681. Has Violated my rights. 

1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : XXXX XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 8 . Account Name XXXX XXXX XXXX XXXX Account Number # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 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.

According to 15 U.S.C 1681, I have the Right to Privacy, and I did not give Experian written permission to furnish theses accounts. By doing so this is a direct violation of my right to privacy and a direct volitation of federal consumer law, put in place by Congress.
Product: Credit card or prepaid card

PROMO INCENTIVE NOT HONORED BY AMEX PLATINUM CREDIT CARD I am extremely frustrated with lack of service, attention, response and resolution to my complaint not receiving/ honored the welcome rewards bonus. 

I opened my Amex platinum in XX/XX/2023 with an advertised XXXX bonus after $ XXXX spend from XXXX site. I met all the criteria presented for the reward bonus and was looking forwardtothepremium credit card experience. 

After patiently waiting a few months, the welcome points were never credited, so I initiated inquiry via online chat on XXXX XX/XX/XXXX. I was told the points were not being granted and that I may submit an online document with Amex to dispute. I did this immediately Note. : There were no obvious Amex claims or warnings presented to me at application, that I was willing to proceed opening the new $ XXXX credit card without receiving the advertised bonus point offer. If there is such disclaimers in the pages of small print, that is extremely misleading and simply poor business practice. 

After waiting 5 days for an update or resolution and not hearing anything, I called customer service to inquire. I had a pleasant discussion with the rep but was informed my submission was denied with no explanation or contact. Sadly after a bit of time we realized she couldn'thelp and I asked for a supervisor or next level to help address my concerns. I was advised the manager was not available but I would absolutely receive a call within24-48 hours. 5 days later and this still hasn't happened. No calls or messages. I truly feel wronged and have spent an exorbitantamount of my time to get satisfaction.
Product: Checking or savings account

Claim number XXXX Account Number XXXX On or about XX/XX/XXXX, XXXX debited my checking account for the amount of {$770.00}. This amount was not authorized and I notified BofA on or about XX/XX/XXXX. BofA credited my bank account for the {$770.00} along with the NSF fee 's that came from the unauthorized debit in the amount of {$170.00}. BofA missed two NSF fee 's, so the total NSF fee credit should have been {$240.00}. 

On or about XX/XX/XXXX, BofA took the money back out of my account, and they also recharged my account for {$170.00} as well as an NSF fee. 

When I called BofA to inquire as to why they charged my account again, I was informed they never received the Unauthorized ACH debit form, despite me faxing it to them. I then faxed it to them again on XX/XX/XXXX and again on XX/XX/XXXX. This form was faxed to XXXX. 

As of this date, they continue to claim that this form has not been received. My account is overdrawn over {$900.00} and this banking error is negatively impacting me.
Product: Debt collection

In XX/XX/2017 i send a certified letter to Amsher collectio for debt validation they recived the letter on XX/XX/2017 in my credit report show that Amsher collection was delete on XX/XX/2017 in XXXX but in XX/XX/2017 was reinserted in my credit report in XXXX and i didnt recived any notification in writen dont even from XXXX or Amsher collection that is a violation of the Fair debt collection practicies act and also violation of the Fair credit reporting act section 611 today XX/XX/2017 i dont recived any validation letter from Amsher collection they steel reporting negative information in my credit report XXXX know about the problem but they dont helpfull Amsher cant report any more negative information until they send validation of the debt like my certified letter said
Product: Money transfer, virtual currency, or money service

Iam 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 unfeasible.They informed me CFPBS findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat 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 or other personal consumer reports

I was checking my report an saw a hard inquire from XXXX XXXXXXXX VIA DEALER XXXX on my report an I didn't apply for anything an it is affecting my report an Im in the process of purchasing a home.
Product: Credit card or prepaid card

On XX/XX/2022, I used my Wise Debit/Credit card to purchase gas. The gas station, XXXX XXXX, put a temporary {$100.00} hold on my card at XXXX. After I pumped my gas {$21.00} was charged to my Wise card and at XXXX the {$100.00} hold was released by XXXX XXXX XXXX On XX/XX/2022 I spoke with a representative at Wise, XXXX, and I have emailed Wise a letter from XXXX XXXX to verify they released the funds and a copy of my receipt for the charge of {$21.00}. As of XX/XX/2022, Wise still has not released my {$100.00} funds. I desperately need that money to purchase food and pay bills. Wise is holding my money illegally!
Product: Mortgage

I filed a complaint with you back in XXXX, XXXX, against Loancare LLC. The complaint number was XXXX. You had taken care of it and closed the file. Well guess what it 's not taken care of. Loancare is trying to charge me again for the money I already paid them. Also, they put the amount on my credit report with Equifax in the amount of {$100000.00} dollars, on XXXX. It 's no doubt listed with the other credit bureaus as well. My mortgage is currently under at {$100000.00}, according to my last statement from them. I am currently receiving assistance from XXXX XXXX XXXX, maybe that 's why they 're trying to rip me off again. Also they are raising my monthly payment from {$890.00}, to {$920.00}. I called them on XXXX, the girl I talked to fed me some BS, and tried to justify the increase. She wants me to send her a copy of my credit report.
Product: Credit reporting or other personal consumer reports

This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation
Product: Credit reporting or other personal consumer reports

In my report are this account that not belong to me, I wasvictim for ID theft an the account still reporting on my credit the account are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. The inaccuracies that are currently on my report are having a serious negative impact to my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 ) and section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under law 15 USCS 1666b a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose or have unauthorized hard inquires on their report without consent from consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 was XXXX XXXX bank card was loss or stolen, I reported to XXXX XXXX about the mishap, they responded that they would canceled the card and resend a new one, my mom who is also a joint account owner receivethe cards, activated both cards and keptthemin hrt possession ... .which she set up online banking and password, she managed the account, i never knew the login information, I'm a student and this was my first bank account online. On XX/XX/2023, my mother transferred {$100.00} via XXXX, to our XXXX XXXX account from her XXXX XXXX account, also on XX/XX/2023 she transferred {$650.00} via XXXX, my mother informed me that she hasn't been able to login lately, she kept getting a wrong password response ... after reaching out to XXXX XXXX several times to reset the password, they always denied access, to my mother who is a co owner of the joint account, finally we received a letter in the mail that the account was overdrawn, the only activity on the account was only 1 check for {$100.00} on XX/XX/2023 to our church, to find out later it bounced. After my mother spent hours on the phone, constantly being put on hold several times, she found out that someone had took over our complete account, changed our online sign in information, both our phone numbers, created a member to member account and reoccurring transfers, the banker asked if we knew the person, we responded absolutely no. We requested more information about the person who hacked the account to file a police report, they wouldn't give us any information on that person. Couple weeks later we received a letter stating that they didn't find any fraudulent activity, the letter also stated to call them for the reason the claim was denied, after calling and visiting the branch several times, 2 months later, we haven't received a reason for the denial yet! I didn't want to take this route, I actually found out yesterday, 3 people I spoke with had the exact same thing happened to there XXXX XXXX  account, please help, I'm a teenager and this is my first bank account and this happens, I'm so disappointed, not to mention we found out they never flag the account, nor did we received verification notice or phone call when the hacker changed all of our personal information.
Product: Mortgage

My mortgage servicer Mr. Cooper sent me this letter stating they were declining my request for mortgage assistance because of excessive obligations. I resent the request for mortgage modification with a letter of explanation for bills on my credit that other family members pay. The other reason they declined the modification request was I didn't accept a modification offer. I have not received a modification offer from my mortgage servicer. I want to pay my mortgage mease y mortgage loan is a FHA loan. and I don't want to lose my home.
Product: Student loan

I had XXXX XXXX XXXX XXXX from XXXX. Recently when I purchased a home I found that I had numerous credit penalties from XXXX XXXX throughout the years.

All of my student loans were paid off in XXXX but my credit is still showing the claims of my student loans. 

I tried to log in into my old Navient account and my account doesnt even appear anymore. I do have emails confirming I paid off my loans and can dig up email and tax information. 

I would like to see if I am eligible to participate in the Navient lawsuit, but I can not even log in to the Navient website because it looks like they cleared my information. 

Can someone please point me in the right direction?
Product: Credit reporting

EQUIFAXXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : ; {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Taking a look on my main 3 consumer credit files, I see XXXX XXXX XXXX, as well as the company they sold the alleged debt to, XXXX XXXX XXXX XXXX If XXXX are no longer collecting on this alleged debt, why are they still on my consumer credit files? 

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ). 

XXXX so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g, which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.
Product: Credit card or prepaid card

Complain against : Comenity Bank XXXX XXXX Card I paid on time, but Comenity Bank failed to applied my payment. After I replaced payment, Comenity Bank failed to discard the XXXX payment but tried to deposit which resulted in being returned, then Comenity Bank charged me Returned Payment Fee. I have disputed with Comenity Bank multiple times in phone and letters, and online messages, but Comenity Bank denied my dispute, and continues charges me Late Fee and interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year> 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 XX/XX/XXXX XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Debt collection

This is a follow up on a complaint I lodged against Nationwide Recovery Systems for violating the federal law and violating me. Review complaint I previously lodged and the complaint number is XXXX XXXX. How on earth can you have closed this case with everything still pending, they told you they were going to furnish me with a validation of debt which they never did. By law they have to furnish this information to me in 5 days of my request. My request for this information to Nationwide Recovery Systems was over a month and a half ago. They lied to you they lied to the credit bureaus when they re aged my debt. And not a single thing was done by them to remedy the situation. Why is it they are allowed to break Federal Law and not suffer severe fines and audits. This whole complaint process with you was worthless because not a single thing came out of it. How are you protecting me when you simply close the case the moment I took your advice and provided feedback. The feedback I gave you told you they did not comply with their promises, but yet you closed my case. I demand you re open this case and I demand The Federal Trade Commission severely fines them and audits them. I am at the point that I want to file a class action lawsuit against Nationwide Recovery Systems, because if they illegally re aged my debt than who only knows how many others they did this to. First of all they replied to you they were assigned the case in XX/XX/2018. They were not assigned the case they bought this made up debt from another debt collector for approximately XXXX dollars. And they told you they have to contact the creditor with the validation of debt so they can send it to me. That is another lie, when you buy old debt the debt validation comes with the purchase. The initial debt collector would have already furnished them the debt validation from the initial creditor the moment they purchased the bad debt. So by closing this case you are telling me yourself and the Federal Trade Commission it is ok for them to break Federal Law without serious repercussions. RE_OPEN THIS CASE
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 also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.