23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. Experian is a consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. XXXXXXXX XXXX is a financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " 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 written instructions of the consumer to whom it relates ''. The financial institution XXXXXXXX XXXX and the consumer reporting agency Experian does NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to Experian and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " 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 ''. I was never informed of my rights to exercise my nondisclosure options by XXXXXXXX XXXX. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. The XXXXXXXX XXXX  account is an adverse action account reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) 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 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$410.00}
Product: Credit reporting or other personal consumer reports

Please see attacsahed documents. Do not close this complaint stating it is not me. I am a natural persfson and a consumer.
Product: Credit card or prepaid card

On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.
Product: Mortgage

Sold our old home and closed XX/XX/XXXX. Our HELOC had a XXXX balance, but when we got to closing, we were informed it would cost {$2400.00} to close it. Title agent said shed never seen a fee that big in her career. 
When I got home I immediately called PNC to find out what the deal was. XXXX  said it was a BBVA doc and she couldnt find it. I said somebody found something to charge me {$2400.00}!? She said she would have a mangager call me in 24-48 hours ( never happened ), and she would have them pull a hard copy of the doc and have it sent to me ( never happened ). 
I finally get a call on XX/XX/XXXX saying the fees are legitimate due to the loan being closed within 2 years of opening, subjecting me to appraisal and closing costs that were initially waived. Lady said she would email me the HELOC doc. 
When I get the doc via email, it is the 8 pages going over how {$2400.00} is owed. They did not include the entire contract ( around 66 pages ), and definitely didnt include the addendum to the home equity line of credit explaining how the sale of the house is an exemption to these fees. 
I respond by attaching the section of the addendum that goes over the sale exclusion. 
Only then did I get a call back the next day from another lady, finally admitting they didnt include that part and she has now read it, and will try to start the process of a refund, but has no idea how long it will take
Product: Debt collection

I am not aware of this company. I was not aware that this company serviced me. Please send the original purchase agreement to validate this debt.
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 XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 

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 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: 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 federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates 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 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required XXXX XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX XXXX for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

The Capital One Savor Credit Card has a promotional offer for spending XXXX dollars in the first three months. Despite doing this I did not receive the bonus of XXXX dollars. The promotion showed for the card led me to believe I met their criteria for excellent credit. Both times I have called the support for Capital One has been unhelpful in having the details fully explained. I also lost money I would have made making purchases with other cards with better cash back.
Product: Mortgage

My late wife forged my signature on a loan agreement back on XX/XX/XXXX. My wife died in XXXX. I have tried to settle with Bank of America. I have Bank of America in Court. To settle this
Product: Credit card

Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points.
Product: Debt collection

Accredited called me today about a debt with XXXX XXXX XXXX or Emergency room ... the person calling kept switching back and forth so I don't  know which. It was for {$250.00}. I asked if they would take a settlement and he started yelling saying they don't own the debt and wouldn't take a settlement. When I advised that because it was with them that meant they purchased the debt he continued to yell and by the end of the call he said he would send it to their legal department even though I offered to pay them if we could work out a settlement offer.
Product: Debt collection

I have tried several times contacting Bullcity Financial to validate the debt that they are saying I own. I never signed any contacts with this company or any utility company to begin with. I told them I was a victim of fraud. I took the all the steps I needed to prove my side and have just been ignored. I even went as far as proving that I wasnt living at the address at the time of the service. I DID not authorize it. Ive contacted all 3 of the credit bureaus and Im not getting anywhere. They are all acting like I have not been writing letters and trying to clear my name. Next is a lawsuit
Product: Credit reporting or other personal consumer reports

SUBJECT : Immediate Action Required : Non-compliance with FCRA Identity Theft Blocking Requirements Dear Consumer Financial Protection Bureau, I am contacting you to report a critical issue that remains unresolved despite my previous attempts to address it directly with the involved consumer reporting agency. I initially alerted the agency to an identity theft issue via certified mail on XX/XX/2024, but as of XX/XX/2024, the erroneous information derived from this identity theft is still appearing on my credit report. 

Pursuant to Section 605B of the FCRA, it is mandatory for consumer reporting agencies to inform data furnishers, including financial institutions, when they receive notice of identity theft. I fulfilled my part by providing the necessary FTC report numbers XXXX and XXXX, alongside a request to block the fraudulent entries. 

Moreover, Section 623 ( a ) ( 6 ) obligates furnishers to stop reporting any such disputed information no later than four business days after receiving ( 1 ) adequate proof of my identity, ( 2 ) a copy of the identity theft report, ( 3 ) my identification of the disputed information, and ( 4 ) my assertion that the disputed information does not pertain to any transaction I have conducted.

Despite meeting all the required conditions, the erroneous information remains unblocked, which is a clear breach of FCRA 15 U.S. Code 1681c-2. This failure subjects the reporting agency to potential civil liability for any damages I have incurred, as stipulated under 15 U.S. Code 1681n due to their willful noncompliance.

I am relying on the CFPB to take prompt and decisive action in this matter. 

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

During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with USAA. OnXX/XX/XXXX, I paid off both credit card accounts with USAA for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. USAA has reflected the payments I made to the 3 credit  bureaus XXXX, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted USAA on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by USAA I am unable to provide written proof of the settlement. Verbally, USAA acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel USAA is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, USAA needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the USAA accounts that are incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XXXX, I transferred money from HSBC to my bank account in XXXX. However, so far the resources have not been made available. 
I'm trying to contact an HSBC bank manager to let me know the XXXX code so the recipient bank can find the resources. 
Through the contacts made available to me, I am unable to speak to anyone who can resolve the situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy on my credit report as detailed below. The account in question contains incorrect information, which I request be promptly investigated and corrected. 

Account Details : Creditor Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid in settlement, {$2800.00} written off Disputed Information : The 24-month payment history for this account inaccurately reflects late payments through XX/XX/XXXX. This is factually impossible, as the account is marked as Closed and Paid in Settlement with a final payment date of XX/XX/XXXX. Since the account was closed and paid before XX/XX/XXXX, the reporting of late payments beyond this date is erroneous. 

This inaccuracy negatively impacts my credit score and is a clear violation of the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate late payment history be removed immediately and that this account be updated to reflect accurate and complete information. 

Enclosed Documentation : To support my dispute, I have attached the following : 1. A copy of the credit report highlighting the erroneous information.

Please conduct a thorough investigation into this matter and provide me with an updated credit report reflecting these corrections. If you require additional information to resolve this dispute, please contact me.

Thank you for your attention to this matter. I look forward to your prompt resolution within the 30-day timeframe as required by the FCRA.
Product: Credit reporting, credit repair services, 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. 

Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A 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 items of information, other than records of convictions of cries 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.