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

I sent a dispute to XXXX to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees.

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX US BKPT XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Last payment was done on XX/XX/year> for {$450.00}, but they took {$1400.00}. These extra {$950.00} is the money of the rent that I have to pay on XX/XX/year>. The late payment fee for the rent is {$200.00} I called capital one on the XXXX becayse I couldn't pay my rent. They failed to returned the extra quantity they took without my authorization. They just authorize themselves to take this money. I am waiting for them but they just told me that they are going to investigate. In the meanwhile I'm trying to convence my landlord to not charge me with late payment. I'm XXXX old retired and the next check will come until next month. I have no other income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2018 I saw that my car insurance had sent over a payment to Chase of {$170.00}. I called XXXX and asked if they could reverse the payment and they said that they couldn't because it was pending by my bank, however I could call my bank and have the transaction reversed, and if that happened that they would not resend the payment again until I called them. After that I immediately called Chase and told them that I had spoken with a XXXX representative and I asked them to reverse the payment, they told me that it would not be a problem since I had already spoken with XXXX and the payment was still pending. I looked in my account and saw where the Chase representative had reversed the payment. Today, XX/XX/2018 I receive an email alert stating my account was overdrawn by {$130.00}. I called Chase and was told that they did not see where the payment had been reversed and that they did not see any record that I had spoken with anyone. Chase is famous for waiting for the money to go into an insufficient status before they start processing payments. I had about 8 items that I made transactions for from XXXX XXXX that did not show up until a week later although Chase had them paid on my transactions, later on in that week they have now been set to another date rather than the date originally done. These payments are taken out, and it appears that they have been paid the balance reflects this however I have been told that they don't actually process until the payment is made which inadvertently has the customer thinking that something has been paid when it actually wasn't and that the balance that is posted actually isn't correct. 
I also spoke with Representatives from XXXX who stated that they never received anything stating that the payment had been reversed and that the payment was not made. 

I do not believe that Chase should continue to take advantage of consumers and misleading them just to be able to charge them a daily {$35.00} insufficient fee which could add up to hundreds of dollars. 

I will make sure from this day forward that I have documentation and proof of Chase 's unfair practices since records seem to disappear from statements. I watched the transaction be removed on Sunday, here it is Tuesday, and there is nothing proving anything I have stated, not even a recorded call.
Product: Mortgage

Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off asking to investigate my account on XXXXAccording to the law there was not a proper investigation done to my account.
Product: Credit reporting or other personal consumer reports

Experian has been sent the CFPB deletion of file document for XXXX XXXX and has ignored ignored it for the XXXX time now. This comes after a full 14 months of disputes they refused to run at FCRA standards. Even when provided with documentation and verbally told over the phone to accurately read documents they have refused to resolve issue. They stated they folllow their own rules which are not the same as FCRA. This is a Violation XXXX procedures [ XXXX U.S.C. XXXX ] B ) as they are intentionally reporting an inaccuracy on my report knowing full well the information is not correct. Experian has been email the documents which where signed as received, called over the phone, wnd digitally sent all files. They have still refused to correct issues. Due to Experians negligence I have been unable to progress further in my career as they keep opening disputes that last 30 days and not investigating issues with any urgency or care. When spoken to on the phone there was a level of disrespect I was treated with when asked why the documents Ive sent have not been looked at accurately as they clearly state my personal information and that the file was removed. Experian has maliciously ruined my credit by refusing to investigate at FCRA standards and ignoring any information sent to them and this has been a recurring issues as they have been told on many previous disputes to investigate correctly
Product: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting under on my credit reports is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an 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 1668B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I need the XXXX account deleted immediately as the reporting of the account is violating numerous rights, the XXXX XXXX XXXX needs to update the frivolous late payment. Also, equifax needs to delete the child support off my credit report as XXXX and XXXX did which means equifax is willfully not complying which is violating Title 15 U.S.Code 1681b ( e ) ( 6 ) and I will be seeking litigation against equifax soon if they keep reporting it. Look at credit letters attached for full info. This is my last and final warning before I file lawsuit against all companies that are willfully not complying with these lawful requests.
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 boy neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lacks of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with XXXX XXXX credit reporting.

I have evidence to prove my case!
Product: Mortgage

All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. 
When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. 
After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. 
My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. 
After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. 
To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024 Experian received a letter from me, via USPS ( tracking XXXX : XXXX ), disputing information on my Experian report. That letter is attached to this complaint as well. On XXXX XXXX, 2024, Experian gave me an update of the XXXX XXXX XXXX XXXX account in dispute by my Experian account on XXXX. The update stated " The incorrect account with XXXX XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. '' I have attached this statement to this complaint. Experian has stated the account is incorrect but will not delete the incorrect account from my Experian credit report. Experian is purposely not following the rules stated in the Fair Credit Reporting Act. CFPB please hold Experian accountable.
Product: Bank account or service

Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 

XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. 

Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 

In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. 

Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. 

My parents are not customers of HSBC bank. I am. 

And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. 

After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. 

It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. 

Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Iam trying to buy a home and this damage was put into my credit an inquiry for auto loan under 15 U.S.C 1681G it a law violation. This hard inquiry were without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XXXX/XXXX/2024, a {$200.00} charge from the XXXX XXXX in XXXX, Georgia occurred in my checking account. I live in Colorado and have not left the state in several months. On XX/XX/year>2024 I received the statement of this purchase and called XXXX to file a fraudulent charge claim. A few days ago they reversed the claim, and the XXXX agent told me there was not enough evidence, and since XXXX XXXX was used it made it harder to prove the charge was fraudulent. Further actions I could take, according to them, was to file a police report and contact the vendor to get any information about the purchase. I was also told that even if I obtain further documentation, there is still no guarantee they can reenact the claim. XXXX 's was not able to provide any further information, they told me to file a fraudulent charge claim with my bank- which I already did. I tried to file a police report but since the fraudulent purchase occurred in Georgia I was not able to submit it through my local police department. I am not sure what else I can do.
Product: Vehicle loan or lease

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX XXXX XXXX. ) Equifax Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax many of times that the accounts below are fraudulent. 
XXXX XXXX $ XXXX : XXXX XXXX, XXXX XXXX $ XXXX : XXXX. XXXX, XXXX XXXXXXXX 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 : XX/XX/XXXX Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes, and has harmed, bullied, and harassed me.