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

15 U.S Code1681c-2 a consumer reporting agency 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 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

The Fraudulent Accounts are as follows : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  {$600.00} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. As a victim of identity theft resulting from a data breach, I did not authorize or open the accounts or make the inquiries listed below.

In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit report promptly. 
Fraudulent Accounts : 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 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: Debt collection

XXXX XXXX XXXX is a recorded message from Capital One CC. The voice says, Hi this is XXXX ... and goes on and on. They call all hours of the day and night and even though I blocked them and it goes straight to voicemail, I delete them. I have received over 30 calls in about less than a month. I am going through XXXX XXXX, no longer work and have sent them a cease and desist letter but they ignore it.
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 unfeasiable. 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
Product: Mortgage

I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Product: Checking or savings account

On XX/XX/XXXX, I deposited my paycheck from my employer, XXXX XXXX XXXX XXXX, into my checking account. This check was for roughly the same amount ( +/- {$200.00} ) and deposited at roughly the same time ( +/- a week ) as all other checks from that entity received each month over the past 2 years. At some point, Bank of America decided to put a hold on that check, holding it until XX/XX/XXXX, without informing me of why. On XX/XX/XXXX, my landlord cashed my rent check, dated XX/XX/XXXX, which caused my account to overdraw by almost {$1000.00} due to Bank of America not making my paycheck available to me. I was assessed an overdraft fee of {$35.00}. On XX/XX/XXXX, I discovered my check had been returned anyway, and that overdraft fee became a " return fee. '' As per my lease, my apartment will be assessing me a returned check fee as well, and a late rent fee. 

During a call with customer service on XX/XX/XXXX at roughly XXXX XXXX   PST, I was repeatedly informed that they had no authority to release my paycheck and make the funds available. After threatening to report them to the CFPB, Bank of America released my paycheck on XX/XX/XXXX, but refused to overturn the returned check fee, and would offer me nothing to make me whole for the fees that my apartment is assessing me due to Bank of America 's activities. 

In their initial insistence that they had no authority to release my held check, and then their subsequent releasing of said check after I threatened to report them, Bank of America has demonstrated the arbitrary nature of their check-holding process. It is in their best interests to withhold customer deposits and collect the associated fees. This is similar to the XX/XX/XXXX class-action lawsuit alleging abuses of their overdraft fee system, which was settled in a XXXX XXXX federal court for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, XXXX am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised.

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.
Product: Credit card or prepaid card

I have been a Loyal Credit Card holder with Kohl's/Capital One since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days past due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30-day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due, and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment, but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30-day late payment that has been reported has decreased my credit score to at-least XXXX points on all 3 Major Credit Bureaus and to be punished for this one-time mistake has been detrimental to my credit status. I am requesting that XXXX XXXX reconsider their decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX XXXX XXXX, XXXX XXXX XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Product: Mortgage

As you will see by my account I have made several complaints against Nationstar Mortgage, XXXX Mr. Cooper. The first being in XXXX of XXXX, the last being XXXX, # XXXX. 

My complaints are valid as the CFPB had presented a lawsuit XX/XX/XXXX for illegal and unfair practices such as modification loans, escrow accounts, etc. My complaints addressed all these issues with what happened to me and is still going on as far as escrows being collected at XXXX for the year, when my taxes are XXXX. 

Each time I complained Nationstar came back with ridiculous responses, such as showing my taxes were XXXX after showing XXXX quarters of collection. Taxes are paid quarterly for XXXX collections. 

Once the response was received by CFPB I was not given a chance to provide my proof of documents ( I have over XXXX pages ) and the case was always closed. 

I understand there is a settlement and never received notice of restitution. What do you need from me to either be a part of this settlement or start a new complaint? I can mail all docs providing proof of unfair practices, escrows, my modification loan that went horribly wrong, forcing us to pay over XXXX per month than what we should have as an escrow shortage of XXXX per month was added to payment. The shortage was not valid. 

Thank You, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I received a letter from XXXX XXXX XXXX stating that they are ending their banking relationship with me. This letter was in regards to an inactive account that we had opened on a trip to XXXX, which had been inactive for about 2 years. In reading online, it is understandable that an account that has been inactive for this long would be closed. The letter instructed me to close this account by XX/XX/2018, and had attached another page outlining the " full list of all accounts to be closed '', which only included this 1 account in XXXX. I do not have a problem with this closure as the account had been inactive for so long and we were going to shut it down anyway. However, we also have accounts with BMO Harris ( USA ). When we logged on to our online banking on XX/XX/XXXX, we saw that all of our accounts had been closed. We had not been notified prior to this closure. We reached out to the local branch and had been given the name of the person who closed our accounts and were told that the account had been closed on XX/XX/XXXX. In speaking with the person who had closed our account, he said that he does not know why our accounts were closed, however he was instructed to do so from BMO Harris. Furthermore, when he investigated why we were not notified, he was told that we were notified via certified mail back in XXXX about the closures and sent along receipts from the certified mail. We had never received these letters and upon tracking them via USPS, the letters were just sent out XX/XX/2018 ( 7 days after the closures ) and are still in transit. We had a number of bits ( utilities, credit cards, etc. ) that automatically withdraw from this bank account. Since the unexpected closures, we have received significant charges due to unpaid bills as they tried to withdraw from this account. In addition, we have also had some bounced checks that were written and were attempted to be cashed when the account was closed. The bank manager is unable to obtain information as to why our accounts were closed and thinks that it is simply because of the closure of the inactive account in XXXX by BMO Harris ' parent company. We have since tried moving banks, but upon cashing the cashiers checks from BMO Harris, a 30 day hold is put in place on funds from checks deposited by new customers. During this time more bills are coming due ( tuition, credit cards, utilities, phone, etc. ) which will incur even more fees and will significantly impact my credit score. My accounts at BMO have always been in good standing, and I have been with BMO for nearly 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan provider Has in accurately reported my account as delinquent 90 days, which is not true. When called to inquire, the repXXXX Was not helpful and couldnt give me any information when my statements show that i paid what was due. I should not have been marked delinquent 90 days
Product: Student loan

I have been trying to enroll into XXXX XX/XX/XXXX, I have tried over 20 times and have emails that my request is being processed. I have called Edfinancial over 8 times to attempt to resolve this but they were unable to help me. I've called the bank to ensure the issue is not from their end, the bank assures me that no communication has been received from Edfinancial. I've even tried three different bank accounts but no luck. 

With the autopay, the interest on my loans which are over $ XXXX would be less by XXXX XXXX, so I have been paying an additional XXXX XXXX every month because I am unable to enroll into autopay despite many trials.
Product: Debt collection

Chase bank was contacted regarding an account that was not verified to be mine. I sent them a request pursuant to section 611 ( a ) ( 7 ) and section 623 of the FCRA. Chase Bank has not verified the debt and is willfully violating the FCRA. They do not have any original documentation, they have failed to respond within the legal timeframe permitted, and this account is not mine. Civil litigation is pending and will be filed if this is not resolved.
Product: Prepaid card

In XX/XX/XXXX I purchased a Gift Card from XXXX via PayPal XXXX. The gift Card details ( Redemption number, code etc ) were stored on their website for future use. Upon attempting to retrieve the Card details in XX/XX/XXXX, I have discovered that they no longer have stored this info and my gift card details are no longer available. According to them they sunsetted this gift card purchase program and no longer have this information. This is absolutely reckless and unacceptable behavior on the merchant 's part. I have lost value of gift card purchased with my hard earned money. At no point did company send out any warning of their selfish decision to get rid of this data so that customers may save their relevant info. This is materially fraudulent and company should be held liable to reimburse the value of the purchase.
Product: Checking or savings account

Navy Federal credit Union keeps overcharging me with all these late fees and return check notification monies when I bought a XXXX XXXX on the XXXXXXXX XXXX XXXXXXXX I used my debit card for the down payment in the sum of {$1300.00} it came right out of my bank account on the XXXXXXXX XXXX XXXX and then all of a sudden on the XXXXXXXX XXXX XXXXXXXX I see that they said I took it out on the XXXXXXXX XXXX XXXXXXXX and I didn't have enough money in my account so they charged me {$29.00} two times and a {$20.00} late fee and I called them and they said oh well we hold your money for 3 days so you can't spend any money out of your account for 3 days I've never heard such a thing before and this is not the first time this has happened with Navy Federal credit Union with me and I know for a fact there's other people that are having the same problem it's all over the Internet about Navy Federal credit Union I wish somebody could help me with this problem they keep stealing my money charging me all these late fees and they just say you are too bad
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) for unlawfully offsetting funds from my checking account ( account number : XXXX ) on XX/XX/2024. 

On that date, NFCU withdrew {$590.00} from my checking account to cover an outstanding balance on my credit card ( account number : XXXX ) without any prior authorization or notification. This action violates consumer protection laws, specifically the Fair Credit Billing Act ( FCBA ) and relevant sections of the Truth in Lending Act ( TILA ), which prohibit financial institutions from automatically seizing funds from a consumers deposit account to satisfy credit card debt without express or explicit permission. Additionally, Regulation Z, which implements TILA, underscores consumer protections against unauthorized debits from deposit accounts for credit obligations. This practice also appears to contravene the Consumer Financial Protection Act ( CFPA ), which empowers the CFPB to take enforcement action against unfair, deceptive, or abusive financial practices. 

Timeline of Events : XX/XX/2024 : Funds were deposited into my NFCU checking account XXXX XXXX  ) and immediately seized the same day by NFCU, without notification or authorization, to cover a credit card balance. This withdrawal was conducted before the credit card payment status had even completed processing. 
This unauthorized withdrawal has significantly impacted my ability to meet essential expenses, as I am currently unemployed and was relying on these funds to meet necessities. 
I have attached the following documents as evidence to support my claim : 1 ) Email notification confirming the deposited funds into my NFCU checking account.

2 ) Documentation of the subsequent payment NFCU made to the credit card account. 

I respectfully request that the CFPB investigate this matter and take appropriate action to compel NFCU to return the unlawfully offset funds to my checking account. Given the unauthorized nature of this offset, I request a full review of NFCUs policies on account offsets and their compliance with consumer protection laws. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX XXXX shut down my frequent flyer account. After filing a complaint with the DOT, XXXX XXXX cited the reason was " These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' This language was not present on the mailers I applied through. I have had numerous Citi AAdvantage Platinum credit cards over the years and non of my applications contained any 48 month restrictions. All the miles in my account which were awarded through Citibank were confiscated. Representatives at Citi have suggested I reach out to XXXX XXXX, but XXXX XXXX has not been helpful in coming to a resolution. I would like Citi to either get my miles back which were awarded as part of my credit card sign up bonuses or admit that I did nothing against any bonus eligibility restriction rules.
Product: Credit card or prepaid card

I was alarmed once I reviewed my XXXX, XXXX  and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.