23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, I requested a forbearance extension via their online web portal. Today, XX/XX/2022, I received a message stating " Due to the status of the account, we are unable to submit the forbearance extension via the Message Center. ". This company gives me trouble every time I attempt.to extend my forbearance. I am entitled to six more months and it has required a CFPB complaint for the account to be fixed each single time. This is beyond egregious. 

I also submitted a mortgage relief application through the state, and the state has said that they have been waiting on a response from the servicer for about a month now. As I said before, all of SLS 's actions appear targeted to result in foreclosure.
Product: Money transfer, virtual currency, or money service

I am writing to formally express 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 failed to investigate my claims adequately, they inform me that recovering lost funds was impossible, and 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. The lack of accountability and transparency is unacceptable and concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX 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. 


Account Name : 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 XXXXXXXX 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 XXXX 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

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

PNC BANK phone number # XXXX The bank is charging fees on usage with debit cards while the company reduces the amount of branches therefore forcing clients to access funds from debit machines and charging customers and making it inconvenient. Also, recently the debit card I was issued is not working properly ( 30 % of the time the card worked ) When I requested a new card I was assured my card would still work until the new card arrives. But the company put my card on hold until the new card arrives causing financial hardship not accessing my funds. After repeated attempts XX/XX/23 of calling in. I was constantly sent to other departments that were not able to help. The 2nd attempt with the customer service rep said the dept. that handles this is busy and I can't be helped, when I asked to have a supervisor get on the phone I was again transferred to a different department that couldn't help to avoid the transfer to the supervisor. I have contacted for the 3rd final time to get a supervisor, and the female service agent got me in touch with her supervisor ( XXXX XXXX who did nothing to resolve the issue and said she is not able to help me and again that she would have to transfer me. She said my card was not on hold that it's another issue making it more confusing and not explaining the reason. As i asked her why when I put my card and pin in the PNC debit machine that it did show my account but not let me access my cash. I told her I also tried to use my card with a purchase and was also declined. I told her this needs to be resolved before the weekend to access my money as there call center is terrible on the weekends. I explained to her this is unacceptable to contact them and have the issue resolved and she said that's not how it works. I told her to have someone fix it and call me back and nothing has been done. I am still unable to use my card. The mismanagement starts from the top all the way down to the service agents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX XXXX XXXX Date : XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against Fairway Capital Recovery for Violations of Federal Regulations Dear CFPB, I am writing to file a formal complaint against Fairway Capital Recovery violating my consumer rights under federal laws. The company has engaged in the following actions that contravene my rights as a consumer : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Fairway Capital Recovery has not provided the legally required validation information for the alleged debt. Despite this failure, they have placed a collection on my consumer report, which is a clear violation of my rights. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Fairway Capital Recovery has not afforded me the opportunity to dispute the alleged debt, as required by law. This omission demonstrates a disregard for my rights under federal regulations. 
3. False, Misleading, and Deceptive Practices : Fairway Capital Recovery has used false, misleading, and deceptive means to attempt to collect a debt, further violating my rights as a consumer. 
4. Unauthorized Reporting to Consumer Reporting Agencies ( 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Fairway Capital Recovery has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. This action demonstrates their noncompliance with federal statutes. 
Dispute of Debt and Request for Information I am formally disputing owing any and all debts to Fairway Capital Recovery. Additionally, I hereby revoke all rights for the company to communicate with me through email, text, and phone calls. All further correspondence must be conducted via written communication sent to my mailing address. 
I am requesting the following information from Fairway Capital Recovery : 4. Validation Information : Proof of validation for the alleged debt as required by 12 CFR 1006.34 ( b ) ( 5 ). 
5. Purchase Agreement : A copy of the purchase agreement between them and the original creditor. 

Requested Resolution I request the CFPB to take the following actions : 5. Immediate Investigation : Investigate the violations of federal laws committed by Fairway Capital Recovery. 
6. Correction of Reporting : Ensure the company removes the collection account from my consumer report until they can provide all required validation information and comply with applicable laws. 
7. Compliance Enforcement : Compel the company to adhere to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 
8. Notification of Actions Taken : Notify me of the actions taken to address these violations and confirm the status of my complain. 
Thank you for your prompt attention to this matter. Please contact me if additional information or documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name from a company called XXXX. The account isnt mine is why it was thrown out of court. Two of three credit bureaus have removed it off my credit. Experian refuses to remove this off my credit even though it isnt mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for continuing to report a bankruptcy on my credit report without proper verification. I have reason to believe the information is inaccurate for the following reasons : XXXX and XXXX XXXX Solutions are third-party data providers used by credit bureaus to verify public records. I recently disputed the bankruptcy with XXXX and XXXX XXXX XXXX, and I am currently awaiting a response from XXXXXXXX XXXX XXXX 

XXXX has already removed the bankruptcy from my consumer file, which strongly indicates that the information is not verifiable. 

The bankruptcy court does not report bankruptcies to credit bureaus. If TransUnion can not independently verify the bankruptcy from the original source, they are required by law to remove it. 

I formally disputed this with TransUnion, and they failed to conduct a reasonable investigation. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, TransUnion must ensure that only accurate and verifiable information is reported. Their failure to properly investigate and verify the source of this bankruptcy is a clear violation of federal law. 

I have attached two proofs of removal from XXXX, a copy of my previous dispute to TransUnion, letter from the bankruptcy court stating they don't provide information to any credit bureaus, state ID, social security card, and utility bill as proof if identity and address.
Product: Debt collection

Franklin Collection has placed a collection on my credit profiles claiming that I owe {$140.00} to the XXXX XXXX XXXX. I have never been to that medical facility in my life and I'm not familiar with it at all.
Product: Checking or savings account

I opened up an account with navy federal Credit Union late XX/XX/2021. I received my debit card today ( XX/XX/2021 ). I was unable to activate and log into my account online. I contacted customer service and the representative told me a restriction was placed on my account because of information received by XXXX XXXX XXXX. I was advised to contact XXXX XXXX XXXX. Upon calling, I was instructed to order a consumer report. I called Navy Federal back and was treated with the rudest service. I asked the CSR to close my account and refund me the money I used to open the account. The CSR stated I would need to speak with the security department and advised of a 1 hour hold time. I asked her for the email or direct phone number because a 1 hour hold time is too long. She refused to provide me with further info. I am requesting that Navy Federal close my checking/savings account and issue me my initial opening deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations enclosed by law
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I conducted a, solely, non-credit business transaction with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX, XXXX WA XXXX. At absolutely no time was credit of any kind either discussed or even whispered about. However, XXXX XXXX XXXX XXXX, unbeknownst to me at the time, and with absolutely no authorization of any kind, somehow ran a " hard [ credit ] check '' against my Equifax credit file. This was a clear violation of the Fair Credit Reporting Act. After discovering this on my Equifax credit file I contested this with Equifax on XX/XX/2019, ( Credit File Confirmation # XXXX ) and but two days later, on XX/XX/2019, Equifax determined that " Inquiries are a factual record of file access. If you believe the file access was unauthorized, please contact the creditor. '' Of course. By definition, my complaint itself stated that the access was " unauthorized, '' and it is not my job to clean up the illegalities that Equifax allowed to occur, and now also is very actively acting as an accessory after the fact regarding. Using Equifax 's logic, any entity or person could access my credit report unauthorized and because the access " factually '' did occur, the resolution rests between the law-breaker who initiated the credit check and me, with Equifax, according to itself, just an innocent bystander that also can continue to list the illegal " hard credit '' check on my report for two years. Am I missing something? XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I was hospitalized for 6 months due to XXXX XXXX during that time why identity was stolen fraudulent credit accounts were opened in my name. Please remove listed accounts
Product: Payday loan

I have been contacted by a company Executive Acquisition about a payday loan I had with XXXX. I asked for them to verify the loan and the person I spoke with said at she would send the letter. She also stated that XXXX was a financial institution so she was going to sue me for attempting to defraud a financial institution and they were going to suspend my drivers license. She further added that although portions of her information was incorrect, the judge would not care about that part just the amounts owed mattered. After she sent the verification letter, it had only XXXX debt collector and no trace of XXXX or any of the previous collection attempts. 

I did my due diligence and found that XXXX is not a financial institution, it is classified as a financial service. And that even if they take me to court they can only suspend my drivers license for lack of child support payments and losing a court case involving an accident and not paying on the judgement. 

Needless to say, after educating myself and finding her information not credible, I was not in a big hurry to speak with her again. No after three days, she is adding some evading the payment or some such thing. I will be sending a certified letter to both organizations tomorrow. Apparently EAG is collecting on behalf of XXXX XXXX, XXXX. 

EAG claims to have strict adherence to fair collection laws but I have not found that to be true.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a check from a lawsuit and XXXX XXXX I gave him my check for XXXX he ran it the the device and had me sign the screen to acknowledge the amount was correct and then told me he couldnt cash the check because of the policy of the bank I ask him to show me the policy because I never heard of that before and I also told XXXX XXXXa that Im a XXXX XXXX XXXX and he went on XXXX and couldnt find it.He stated that he cant cash a check thats over XXXX I was a little confused and upset really felt embarrassed in front of my peers that was inside the bank please help me with this serious matter thank you Complaint to CFPB Regarding Bank of America 's Discriminatory Check Cashing Policy I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the discriminatory and disappointing treatment I recently received from Bank of America. On XX/XX/year> I visited the Bank of America branch located at XXXX XXXX XXXX XXXX pa XXXX to cash a check. I was informed by XXXX XXXX that Bank of America does not cash checks above {$3900.00}. I would like to bring to your attention that this is a false statement made by XXXX XXXX, as there is no such policy mentioned on the Bank of America website or in any official documents. I strongly believe that I was discriminated against based on this arbitrary policy, and I am deeply disappointed by the lack of professionalism and customer service exhibited by Bank of America. I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Bank of America rectifies its discriminatory practices and provides fair and equal treatment to all customers. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit card

I signed up for a Home Depot credit card. Stupidly, I gave Home Depot ( actually Citibank ) my social security number. At the beginning of XXXX Citi dunned my account when I had previously set-up the account for auto pay from my local bank. When I went to Home Depot and tried to buy with the HD card, I could not. When I called the credit card nbr, I reminded the rep that I had requested auto-pay. Citi promptly and correctly took an amount for that billinig cycle. But I have heard from XXXX XXXX that this type of mini-fraud occurs often. 
Citibank as of today says it can not remove my SSN from its database. I asked Citi two days ago for my remaining balance to transfer to my local bank. I have not received it.
Product: Credit reporting or other personal consumer reports

XXXX : Dispute of Inaccurate Credit Report XXXX Bankruptcy XXXX Violation of XXXX XXXX XXXX and the Privacy Act of XXXX Dear XXXX XXXX This letter is to formally dispute inaccurate information appearing on my credit report concerning a bankruptcy filing. I am writing pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, specifically citing XXXX XXXX. XXXX XXXX XXXX XXXX ( right to accurate information ), XXXX XXXX. XXXX ( XXXX ) ( reasonable procedures to assure accuracy ), and XXXX XXXX. XXXX ( requirements on consumer reporting agencies ). I also assert my rights under the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ) to request the deletion of this inaccurate data, as its presence constitutes a violation of my privacy. Further, I am exercising my right under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX to opt out of the reporting of this bankruptcy information. 

My XXXX credit report incorrectly reflects a bankruptcy filing. This bankruptcy was previously removed from my report but has since been reinstated without any new information or justification for its reappearance. The reinclusion of this information is inaccurate and violates the FCRA 's requirements for accuracy and reasonable procedures to ensure accuracy. 

This inaccurate information is causing me [ Explain the harm caused by the inaccurate information, e.g., difficulty obtaining loans, rental applications, employment opportunities ]. This inaccurate reporting has caused me significant distress and emotional damages. 

I demand that you immediately investigate this matter and take the following actions : 1. **Correct the inaccurate information** : Remove the bankruptcy filing from my credit report immediately. Provide me with written confirmation of its removal.

2. **Ensure Data Compliance : ** Confirm that all future reports accurately reflect my true credit history, free from the aforementioned inaccuracies. I am formally opting out of any future reporting of this bankruptcy as allowed under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. 
3. **Provide Notice : ** Issue a notice of correction to all creditors and other parties who may have been provided with this inaccurate information.

4. **Delete Data : ** I request the deletion of all data associated with the inaccurate bankruptcy filing from your systems, as per the Privacy Act of 1974. This includes any and all personally identifiable information associated with this entry. 

Furthermore, I am seeking compensation for the violations of the FCRA and the Privacy Act. I demand {$1000.00} for each violation of the FCRA, and {$500000.00} for the suffering and damages incurred, as well as the breach of my personal information. 

Failure to comply with these demands will leave me no alternative but to pursue all available legal remedies, including filing a lawsuit under the FCRA and the Privacy Act of 1974, seeking statutory damages, attorneys fees, and any other relief deemed appropriate by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 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. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my XXXX  and XXXX that my score decreased due to capital one reporting 2 missed payments for XXXX and XXXX. Due to death in my family ... I missed XXXX. I have since caught up and paid this account in full as of today.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a message from XXXX XXXX on XXXX XXXX about an item I posted on XXXX  : a claw foot tub. I asked {$900.00} for it. She asked if she could pay me through Zelle. I said yes. She claims she sent me {$900.00} and sent a screenshot, however I never received the money. I did, though, receive an email from XXXX saying that I had to send money in order to allow the {$900.00} to go through. Against my better judgement, I sent the money through Zelle. This went back and forth until I sent a total of {$1000.00} via Zelle and {$300.00} via XXXX ( to XXXX XXXX @ XXXX XXXX XXXX In total, this person stole {$1300.00} from me because XXXX acted as a Zelle. I filed a dispute with my bank, but it was declined. I tried requesting the money back, and the person declined ( I didn't expect them to return the money but thought it was worth a try ). I kept screenshots of the back-and-forth emails and XXXX exchanges as well as all the emails s/he sent.
Product: Credit reporting or other personal consumer reports

I requested for a dispute from flagship credit on XX/XX/XXXX and XX/XX/XXXX. And it was never taken care of from the company.
Product: Debt collection

Despite writing the company and notifying them of the correct person in default, this company still sends me letters. The latest letter they insinuated that they were attorneys, they in fact are not.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.