23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Complaint Title/Subject : Fraudulent cashing at BNY MELLON in XXXX, MA on XX/XX/2022 of XXXX Charitable Check # XXXX, pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX. 

I'm the grantor of the said XXXX Charitable Account. I requested XXXX XXXX to mail a {$500.00} donation check to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The XXXX XXXXXXXX XXXX XXXX XXXX  never got the check. 

A scammer or fraudster stole the above-mentioned check, endorsed it and deposited it to BNY MELLON in XXXX, MA as evidenced by the fake endorsement on the back of the check that XXXX Investments showed me as proof of encashment. 

BNY MELLON in XXXX, MA should have never encashed the check and should return to my account at XXXX Charitable the {$500.00}. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Debt collection

Dear National Credit XXXX XXXX XXXX writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a Dear National Credit Adjustment I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX Reference Account XXXX r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

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, TransUnion, and XXXX 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. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX are financial institutions 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. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, and XXXXXXXX XXXX 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. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " 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, XXXX, and TransUnion 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: Mortgage

On or about XXXX Nationstar transfer the service to Mr. Cooper. I have been requesting a loan modification on my loan and I really thought Mr. Cooper will give me a loan modification, everything they request from me I send it to them. I have Never denied to make my mortgage payments but they always decline my request even though I prove to then that I can make my payments. They are violating the Homeowner Bill of Rights that became a law XX/XX/XXXX, XXXX in XXXX XXXX gave a very predatory loan and discriminated me when I went to their office to get a loan for my house. I purchase a house for {>= $1,000,000} put 20 % as down payment, have excellent credit and I was making good money to qualified but instead of giving me just one loan, they give me TWO LOANS, INTEREST ONLY ADJUSTABLE RATE NOTE WITH A 6.25 % AND THE SECOND LOAN WAS HOME EQUITY CREDIT LINE INTEREST ONLY ADJUSTABLE AT 8.25 %, I was paying {$7200.00} dollars every month with out any XXXX going to the principal
Product: Money transfer, virtual currency, or money service

I am writing to notrmally 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.
Product: Checking or savings account

I recently transferred my account over to citi bank less then XXXX weeks ago last XXXX days my card sound I didn no why but I soon found out they wants to verify me thats no problem I call to be verified I have counter a women who kept asking me bout my voice and basically judging me from the way I talk I XXXX when she asks me if Im me I told her yes she then said she call to verify me but she said dont pick up the phon n dont disconnect the call instead she calls me twice I tell her I see u calling me the bc thing she says is you didn pick up the phone I tell her u told me not to I asked all those questions prior to her call to be sure I understood her correctly all of a sudden she says I cant verify u because I have exceeded all my options and yet there was no options
Product: Credit card or prepaid card

On XX/XX/XXXX, I wasnt able to use my Cash App card, because they said suspicious activity! I transferred {$200.00} from my bank account which is connected to Cash App! So where is the suspicious activity? After I asked how is that suspicious activity, then Cash App begins that they need proof of where I live! They said I could send in my Drivers License or ID and I did! That wasnt good enough! I address on my Drivers license is the same as my Cash App account! Now its you live in a Hotel, I need something with a Letter head saying you live there! I send in this piece of info and its still not good enough! Mind you this is a rooming house now and theres plenty of other people living here with Cash App cards and they are not going thru this issue! I have been constantly paying fees to them because I have to cash out my money because I cant use my card! I also purchased a new card from them and cant use it, yet they wont refund my money!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Thank you. 

I obtained a copy of my credit profile and found an entry from Progressive Management Systems. 

I sent a letter to Progressive Management Systems asking that they verify the information they are reporting to the bureaus is correct. 

I recieved an itemization of services provided to me. 

I sent another letter asking again for validation of debt. To date, I have not recieved any further correspondance from Progressive Management Systems. I also reviewed my updated credit profile and found not only is Progressive Management Systems still reporting inaccurate information, they've increased the amount allegedly owed.
Product: Credit card

Capital one closed all cards during XXXX 12 CFR Part 1002 - PART 1002EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) Also A section of the CARES Act amends the Fair Credit Reporting Act ( the FCRA ) and generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX. 

15 U.S Code 1681 ( e ) ( b ) - Accuracy of credit reporting. They must ensure that information they report is up to date 15 U.S.Code 1681 ( i ) - Failure to investigate or update your report after a dispute
Product: Bank account or service

I contacted you on XXXX XXXX, 2012 about the money removed from my Chase Account. I have made many attempts to get my money returned. All of my attempts have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but Equifax and XXXX   have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

Resurgent/LVNV FUNDING Subject : Cease and Desist Unauthorized Use of [ Intellectual Property/Property ] Dear sir or Madam, I am writing to formally demand that Resurgent/LVNV FUNDING immediately cease and desist any and all accounts. Via Resurgent/LVNV FUNDING i have experienced harassment, illegal debt collection practices or other. It has come to my attention that you have been engaging in activities that infringe upon my rights, specifically related to my credit report. 

I have the exclusive right to control its use, distribution, and reproduction. Your actions are in violation of these rights, and if they continue, I will be forced to take legal action to protect my interests. 

Therefore, I demand that you immediately : Cease and desist from Resurgent/LVNV FUNDING my Credit report / credit history. 
Remove any [ content/products ] associated with my [ credit report / history ] from your [ website, platform, etc. ]. 
Provide written confirmation within [ 7-14 days, ] that you have complied with this demand. 
Please be advised that failure to comply with this cease and desist request will leave me with no choice but to pursue further legal action, including seeking injunctive relief, damages, and any other remedies available under the law. 

I trust this matter will be resolved promptly and without the need for legal proceedings. However, if I do not receive a response or see an immediate change in behavior, I will proceed with further actions as necessary. 

This letter does not constitute a waiver of any rights or claims I may have, and I reserve all rights to take legal action should the need arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Product: Student loan

Case # XXXX. I don't agree with this matter being closed. Please look at the case cited above. Mohela has not reduced my payments to {$200.00} - {$300.00} as requested. The letter they sent did not address this issue. They said on the phone that they could reduce my payment to {$530.00}. This is not affordable. Please continue to work on this as Mohela has not responded favorably to me.
Product: Checking or savings account

I would like the banks charter to be pulled and closed down to their inability to provide fiduciary care of their clients money. Capital One KNOWS they are screwing people. Whats in your Wallet - A GIANT SCAM. 

I called Cap One to inquire why I was not getting the rate they advertise and they would NOT tell me. I would like to be compensating for time, I spent over 5 hours having to figure out the issue. I charge {$200.00} an hour so, {$1000.00} seems appropriate PLUS the difference between the advertised rate he actual rate paid. We had, at one point several hundreds of thousands of dollars with them which we have since moved do their inaction. 

I do not recall ever getting a notice that were higher rates available. 

Criminal Action should be taken against the Managers and Bank Charter Pulled.
Product: Mortgage

Hello! I have been in the process of refinancing my current mortgage with another company. On XXXX, XXXX, a representative from my current loan provider, NewRez, reached out and offered to present me with a " better deal ''. He asked if he could do a soft inquiry at the time, and I agreed, with the understanding that it would NOT be a hard pull, as I was late in the stages of underwriting on the refinance and did not want to negatively impact the process. 

XXXX he reached out and let me know that he was working on a loan estimate for me, and that I would hear from his team XXXX. After the call, I received a flurry of emails, including a XXXX for a consent to receive electronic communications, as well as a " thank you '' email for finalizing my loan application with them. 

I NEVER consented to a hard credit pull from NewRez, nor did I complete a loan application with them. I reached out to them immediately this morning and the mortgage rep, XXXX XXXX ( XXXX # XXXX NewRez, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) will not respond to my calls or texts. I called into the main line and the customer service representative would not answer any questions and said that " all the loan reps were busy '' but someone would " get back to me next week ''. 

Thank you for your consumer advocacy,!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date first one XX/XX/ and second XX/XX/ All was the inquiries that show up on my experian after i notice that my credit score keep drop down from XXXX to XXXX, I do not recognized all that and i did not apply for any credit card or loan. I can not see the amount for anyone i do call experian to report that all so and they gave me the site to submit a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft/FraudI disputed this fraudulent XXXX XXXX charge off account on XXXX via Equifax and XXXX XXXX XXXX They did not respond to me and did not correct the issue. I am very upset and Equifax and XXXX XXXX is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!
Product: Credit reporting or other personal consumer reports

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day late payment on my credit report and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on Transunion credit report I am still seeing only the late payment was not removed, this adverse action was mistakenly taken by XXXX XXXX XXXX. 
In the month of XX/XX/year> I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z XXXX Billing error resolution. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I still opted to pay the full balance and yet it was still reported that I was late. When I attempted to re-dispute this information with the bureaus, I am only seeing that XXXX and XXXX has fixed the error on their end but Transunion has not, this is a clear and direct violation of my consumer rights