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

Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF XXXX, XXXX XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.
Product: Mortgage

On Friday XXXX I moved about {$40000.00} from my checking account to pay off my mortgage. Wells Fargo has removed the money from my checking account and is holding it in limbo. They no longer are paying me interest on the money and they wont close the mortgage so Im still paying interest on my mortgage. I went to a branch office in XXXX XXXX Texas to ask for a payoff amount and was told they couldnt tell me that. At this point they have my money and are not paying me interest and are charging me interest on a loan Im trying to pay off. When I called today they said we had to have a cooling off period and I cant pay off the mortgage now. I need help with these crooks. 

My cell is XXXX, my email is XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with their mishandling of a fraudulent XXXX  XXXX account ( # XXXX ) on my credit report. 

On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under Report # XXXX. In accordance with my rights under 15 U.S.C. 1681c-2, I submitted a formal block and delete request to Equifax, including all required documentation, via certified mail. Equifax received these documents and confirmed receipt. 

Following my submission, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX regarding Equifaxs handling of this fraudulent account. Equifax responded to my complaint and the CFPB on XX/XX/XXXX stating that they conducted an investigation and the fraudulent XXXX  XXXX account ( # XXXX ) had been deleted from my credit report ( please see the attached documentation ). 

However, on XX/XX/XXXX, Equifax unlawfully reinserted this fraudulent account on my credit report. This constitutes multiple violations of the FCRA, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Failure to Permanently Block Fraudulent Information Once a consumer submits a valid identity theft report and requests blocking of fraudulent information, the consumer reporting agency must block the reporting of that information within XXXX business days. XXXX reintroduction of the deleted fraudulent account directly violates this statute. 

15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Credit reporting agencies are required to maintain accurate and complete records. XXXX  failure to do so constitutes gross negligence in handling consumer data.

15 U.S.C. 1681n & 1681o : Willful and Negligent Noncompliance As a result, I have consulted a credit attorney who has informed me that XXXX  knowing and reckless failure to maintain accurate records and its unlawful reinsertion of fraudulent data have caused me reputational XXXX, financial XXXX, and unnecessary burdens to correct these violations. Additionally, due to XXXX  continued failure to comply with its legal obligations, I have suffered financial XXXX, emotional XXXX, and the continued negative impact of fraudulent reporting. I am therefore eligible for the following remedies : Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

Actual damages suffered due to XXXX noncompliance. 

Punitive damages as determined by the court. 

Reimbursement of reasonable attorneys fees and costs of litigation as provided under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Please note that I was robbed from USAA checking hundreds of thousands of dollars no attempt to correct error with immediate repayment years down the road. The Comptroller of the Currency Review is attached. Thanks.
Product: Debt collection

I received a call from the debt collector who stated I owed {$1800.00} to pay day loans and that a suit was pending and if I did n't pay the debt I could lose my license and my banking privileges, be on probation for writing a false check in XXXX 2015, it scared me senseless. He also said he was connected to the XXXX office and put me on hold to see if debt could be reduced and hold off on the law suit, they then sent me a docu share to sign for monthly payments. In the mean time I got a call from time warner collection agency and she told me it was a scam and that this fellows business had been shut down and the person named on the docu share a XXXX XXXX was his secretary. 
I did take care of the bill in full with the reputable company and have documents bill is paid. I had attempted to pay the bill thru pay day loans but could never get thru, I stopped payment on them because they were deducting {$150.00} every pay period ( bi weekly ) and nothing was coming off of the balance. 
The lady at the reputable company gave me her direct line tel # and she recommended I file a complaint against the other guy who 's phone # I have. Said his name was XXXX XXXX probably a false name If there is anything I can do about this please let me know XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and equifax ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Product: Credit card or prepaid card

I applied for a line of credit at XXXX XXXX for services. I only intended to spend around {$400.00} dollars, but the company pre-approved me for {$7000.00} and ended up receiving around {$1500.00} in services. The credit was through XXXX XXXX. When I received my first statement, XXXX tried to collect over {$5300.00} from me. 

It turned out XXXX XXXX submitted charges for services never received for commission purposes. It took months to get my account corrected. I also filed a complaint with the MO Attorney General 's office and the XXXX  because the agreement I signed was NOT for {$5300.00}, but the {$1500.00} I actually spent. That means they copied my signature to another contract ILLEGALLY! After communication between those parties, I was advised that my bill would be corrected. Additionally, they agreed to removing the promotional financing and allow me to pay my bill at my leisure ; as long as I never missed a minimum, required payment. Which I never did. 

When my bill was down at {$300.00}, they tacked on promotional interest based on the initial, fraudulent, $ 5300+ bill! Again, I contacted them alerting them to the error and reminded them of the previous agreement. Instead, they only adjusted the amount of the promo interest to $ 500+. Again, I called to remind them that I was not subject to the promo interest based on the original agreement. They plead NOLO. The paperwork they provided to verify I owed this money was the fraudulent contract showing I owed $ 5000+. 

My portion of the charges are likely paid in full and my min. payments are going towards promo interest I should not be paying. I just want them to honor the original resolution to the shady business they pulled! I guarantee you I am NOT the only one this happened to. I understand that the Manager and the Sales person were fired due to my situation at the XXXX XXXX XXXX.
Product: Credit card or prepaid card

My card was used fraudulently. I have reported the fraud 3 times now and have received no type of investigation information or anything from Bank of American. I have been put on hold for hours numerous times and hung up on. I need this fraud properly investigation. I need information from the bank to file a police report and I cant even get a response from the bank
Product: Credit card or prepaid card

In XXXX XXXX 2022 I filed a dispute with Chime bank for several fraudulent charges on my secured credit card I have with them. They stated I will receive a decision on XXXX XXXX 2022. Its been 2 months pass the date for the decision and I havent heard anything. I been contacting Chime and they stated it will be escalated and I should hear something in 3 days. I still havent heard any and I reached out them every 3 days about the dispute
Product: Mortgage

In XX/XX/XXXX I purchased a 2nd mortgage on a property. At that time I obtained a mortgage payoff statement on the 1st mortgage from OCWEN, who services the 1st mortgage. The report shows {$340000.00} due as of XX/XX/XXXX. We also have a payoff statement on the 1st mortgage from XX/XX/XXXX which shows {$350000.00} due. 

I then spent tens of thousands of dollars foreclosing on our defaulted 2nd mortgage, paying OCWEN the monthly payment on the 1st mortgage, taking possession of the house, and listing the house for sale. Now the house is in escrow and OCWEN is quoting {$590000.00} for the payoff. I called XXXX XXXX in OCWEN 's escalation 's department on XX/XX/XXXX and she would not provide any explanation for the discrepancy. She suggested I submit the deed showing I own the house so I can get authorized on the account, which I did. It is now over a month later and OCWEN has not provided any explanation for the discrepancy or authorization to me. I have called XXXX back a few times and have also called XXXX XXXX, in OCWEN 's office of the Consumer Ombudsman and they never return calls. 

OCWEN is causing me to lose thousands of dollars by holding up this escrow and they are not honoring their previous payoff quotes while we are trying to pay off their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has an incorrect version of my on the credit report. In the section where they names, my last name is misspelled : XXXX. My last name is spelled is XXXX.
Product: Credit card or prepaid card

My wallet was lost/stolen and my fraud claim with Wells Fargo has been denied. I need help getting my money back that was stolen from me and Wells Fargo is not helping me in my claim. In my wallet I had my personal credit cards, as well as passwords for my email/accounts. 

Fraud charges include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, 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 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 serious concerns about consumer safety.
Product: Debt collection

I was contacted by Midland Credit Management XXXX Inc. out of California on a debt that has passed the 7 year Pennsylvania statute BUT I do not owe this debt ( see letter ). Because I DID NOT receive the service but DID receive the XXXX XXXX little white phone jack attachments in a box in the mail I DID try to resolve the issue with them for a sum of {$50.00} as I read the internet and saw they were leaches and thought sending them something would resolve the issue. Unfortunately, they said I 'm not " working with them '' to resolve the issue EVEN THOUGH they ca n't provide me proof that any SERVICE was ACTUALLY provided ( which it was n't ) since my wall phone jacks were not compatible with their little white things ( whatever they are called ). Please help resolve this issue, MIDLAND wo n't provide me with definite proof that I owe any money whatsoever. All they send me is their " reference material '' telling me that is the PROOF. Their " reference material '' is NOT what I asked for but they wo n't send me the proof I want because they evidentally do n't have ANY proof. They also ask ME for proof that I do n't owe money. If I never had the service, HOW can I provide any proof? It is a vicious circle. I think they feel I will get sick of them sending me letters and pay them which I wo n't. I decided I wo n't pay any money for a service I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX XXXXXXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXXs account number XXXX XXXX date open XX/XX/XXXX balance zero Had it account removed but it's still on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I read a communication from Midland Credit Management ( MCM ), dated XX/XX/year>, that contained a billing statement as verification of debt. Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested MCM to provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable.

I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.
Product: Debt collection

1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

My additional card holders card was missing. We immediately called Best Buy when we noticed his card was missing to report it lost. His card has fraud charges on them. These charges need to be removed off of our account ASAP. I called Best Buy and was told it would be handled but it has not been the charges are still there. Below are the charges that need to be removed. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Mortgage

We entered into an agreement with Hometap for them to borrow us money against the equity in our home. We wanted to pay this loan/investment off and on Wednesday, XX/XX/2022, we asked and received a settlement statement from Hometap with the assurances once they received our payment in full, they would release the three ( 3 ) liens they put on the title to our home. When I called them today, XX/XX/2022, they indicated they have not received our check. But our tracking number indicated the payment was delivered to them on XX/XX/2022, at XXXX a.m..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.
Product: Credit card

I have a balance of {$6300.00} that has only gone up with the tiniest of purchase but all the large purchases for special financing ( pay off before end of term 6 months ) has been paid in advance of Finance charges. The BALANCE still shows high interest rate and may lead me to bankruptcy as this does not reflect in the Balance pay down and consistently goes up from the time of having XXXX Synchrony Bank. This seems like a rip-off as the balance is reported on my Credit Utilization as very HIGH but never paid down although I pay on time and more.

I need of list of what does not qualify as special financing and why it is still listed when I have made double payments along the months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.