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

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. Equifax case that was settled for {$18.00} XXXX in damages.
Product: Debt collection

I called Sapphire Chase Credit Card provided them a Police Report and told them my identity has been taken and that I live in NY state not NJ State where the charges on my credit card were issued everyday. Chase has charged off my credit card which is affecting my credit. The credit card I do have with them is at XXXX because I paid it off because that was the card I had issued and I was responsible for.
Product: Credit reporting or other personal consumer reports

I received an email from Credit Karma that lists my debts in the subject line thus completely shredding any privacy policy. Anyone can see subject lines in emails as you scroll through them. 
This does NOT constitute privacy for my personal finances. This should be stopped.
Product: Checking or savings account

On Thursday, XXXX XXXX2022, I AUTHORIZED Credit Karma to close my savings & checking account and send remaining balance in form of a cashiers check. They said I must complete a series of questions via email first. I called multiple times on Friday, XX/XX/2022 for an update on closing of my accounts and was told that they cant close my account at this time and dont know when theyll be able to. I asked to speak with a supervisor on two different occasions to my right to know and investigation on the matter, and they hung up on me multiple times. Credit Karma will not allow me access to my money from my savings account of {$1700.00} and as a consumer who credited the bank and loaned the bank funds I have every lawful right to authorize closing of my account immediately and the returns of my funds. This is causing mental, financial and emotional injuries to me and my family.
Product: Student loan

In XXXX XXXX, I applied for Income-Based Repayment plan with monthly payments of {$0.00} from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I received an email stating that a new education loan document was available online. It was approval notice from XXXX XXXX for my IBR plan. I kept receiving monthly notices about my payments with amount due of {$0.00} and due date. 
All of a sudden, on XXXX XXXX, XXXX, I received an email no longer from XXXX XXXX, but from Navient stating that my amount due was {$2900.00} with due date XXXX/XXXX/XXXX. I called Navient asking for an explanation. Customer rep told me that most likely the information was n't correctly transmitted from XXXX XXXX to Navient when Navient took over servicing my loan. The rep asked me to submit another application with Navient online instead of via fax like I did with my original application for XXXX XXXX. I also explained that I had my original approval notice from XXXX XXXX. The rep reassured me that the new approval notice would retroactively cover the original period with {$0.00} amount due and no late payments would be reported on my credit reports. To date, my XXXX report is still showing incorrect payment history. I have contacted Navient and forwarded all my original documentation. Several representatives reviewed my documents and agreed that although they could not locate my XXXX XXXX original documents, the loan is showing as always {$0.00} amount due and therefore no late payments should be reporting. On XXXX/XXXX/XXXX, I received a notice from Navient that they had reviewed my documentation and the late payments are accurate. When I contacted Navient again on the same day, another rep told me I should have forwarded my original documentation which I did. On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, who was rude I told me that Navient does n't have any documents showing that my IBR was approved in XXXX and the late payments are accurate. 
The level of incompetence of Navient and its employees and representatives is without precedence. I have yet to get 2 Navient reps who will provide me with the same information. And the individual representatives admitted that lots of information was lost or mishandled when Navient took over servicing loans for XXXX XXXX in XXXX. If the late payments were truly accurate on this account and I had never made a single payment towards the balance, there would be a passed due balance showing, but there is none. Fortunately, I have kept all my documentation from XXXX XXXX and furnished it to Navient, but Navient will go to any lengths to admit and correct its mistakes. A sorry excuse for a national student loan servicer!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in a light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times are reporting discrepancies my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible, the CFPB findings indicate that Zelle has not only neglected to protect customers also has allowed repeaters to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.
Product: Checking or savings account

I got a deposit in my account they bank verified the deposit and everything cleared they then put a temporary lock on my debit card and then they notified me that they were just going to close the account and send me a check for a month now they have been holding my money and pushing back the closing date back everyday.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Just lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more docs or proof just makin it clear I dont agree with it If you need to contact me do it by text on my cell or email on my cell or computer Monday through Friday between XXXX and XXXX Eastern Time Any other times or ways like live calls or voicemails aint good for me Thanks for gettin it Peace
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Today XXXX at XXXX Az time I called Equifax because I was unable to login to my account or pull my credit information Despite answering the security questions correctly as well as at XXXX AZ time they sent me a verification step by phone, in which I submitted a copy of my Arizona XXXX XXXX XXXX License, front and back, as well as had to take a live selfie. despite no major difference in my appearance outside of my hair growth, they were unable to verify me. Instead of looking at the picture of my license and selfie, and despite answering several identifying questions such as my full ssn, date of birth, full address, phone number which not only I was calling from but also I know for fact is on my other credit reports. I asked them to look at the pictures that were taken and they said they couldn't. 

The representative and the manager told me that I need to mail a copy of my social security card, front and back of my license, and my issue to restore my account and start the dispute investigation. I asked for the fax number and they said there is not one. I find it ridiculous that they would want me to jeopardize my identity information by sending such documents through the mail. 

My concern is the security risk to my information by mail. More so not being able to get this resolved knowing that specific invalid information that I am trying to dispute is preventing me from moving forward in a process, both in change of residence and change of career, in which I have a very limited window of time to resolve. 

Spoke to supervisor XXXX
Product: Checking or savings account

My SoFi debit card was lost on XX/XX/XXXX. The following two days after ( XX/XX/XXXX & XX/XX/XXXX ) I was charged {$59.00} in total for two separate unauthorized transactions. One was from XXXX grocery store here in XXXX. Two the second one occurred at XXXX XXXX XXXX XXXX I have been begging for a refund of this exact amount nothing more or less, yet no resolution as of late
Product: Checking or savings account

I opened a bank account at Chase bank for myself and a XXXX XXXX account for my XXXX XXXX After having these accounts open for a few months I began to get XXXX  XXXX notifications to my phone stating that someone has logged into my account, someone has changed my password, someone has added a new phone number to the account. I contacted Chase right away on XXXX XXXX and I was told to change my password, my user name and the password for the email that I used to originate the account. I did all of that and I was told it was all fine. The next day I received the same notifications. I contacted Chase and asked to close the accounts as someone was clearly hacking them. I was told them could not be closed unless I came in in-person to a location because my account had too much money in it. This was on Sunday. Because of the holiday weekend the banks won't open until Tuesday. I explained that all of the money would be gone by then. They declined to comment on that. I have been on the phone with them for most of the day, transferred to departments that are closed, dead numbers, hung up on and told to, " Have a nice day and thanks for banking with Chase! '' as I was sobbing into the phone and begging them to close my account as my phone is pinging with notifications that people are getting in. They will do nothing. My online account is locked so I can't even see what my balance is. I can only wait until Tuesday and then see what ruins are left of my life. They still are refusing to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX at XXXX apartments in XXXX, NV on XX/XX/XXXX. When I applied the screening company rentgrow notified me that the data furnisher they use is transunion and transunion is reporting a civil judgment, ( case XXXX ) that was vacated and dismissed by court order on XX/XX/XXXX. I would like this information to be updated and removed as soon as possible.
Product: Debt collection

In XX/XX/XXXX, I opened an account with Synchrony bank with the following accounts and also signed up for Credit Protection during the same time period with : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX I also informed Synchrony Bank that we encountered a major extenuating financial circumstance with our daughter who was hospitalized for over 34 Days including XXXX and XXXX due to her XXXX XXXX XXXX illness and XXXX due a XXXX XXXX which occurred at the end of XX/XX/XXXX and I had also lost my employment at the end of XX/XX/XXXX as well. I We attempted to keep up with all of our payments for each account listed above through XX/XX/XXXX. We could not keep up and had to continue to care for our daughter and look for employment at the same time. We incurred over {$50000.00} in medical expenses and I, in turn, notified Synchrony bank via phone and via mail with a letter in XX/XX/XXXX explaining our situation and did not receive any true support or help from Synchrony Bank and have since been harrassed by all of their Assigned Credit Collection Agency whom they sold the account to and numerous law suits which should not have occurred, due to the false and misrepresentation when I called on several occasions regarding our extenuating medical and financial circumstances. I also reached out via their online Customer Service Complaint portal regarding my concerns surrounding the Credit Protection Plan which I thought was completed and implemented as part of our Credit Card Agreements ... .I would not have signed up for 5 Credit Cards without inquiring or signing up for a Credit Protection Plan especially with unforeseen matters which may occur and did occur when our daughter was hospitalized for over 34 Days including XXXX and XXXX. We have gone through so much XXXX, XXXX  and XXXX distress since the end of XX/XX/XXXX and am still trying to get back on our feet financially. Synchrony Bank was made aware of our circumstances and refused to honor a Credit Protection Plan even if it were their oversight which it was. We have been harrassed with over 200 calls per Credit Collection Agency and have had Marshalls and Sherriffs come to our home over these accounts which is very demeaning and harassing and has caused severe mental anguish for both my husband and I and this is also another extreme form of XXXX discrimination. We also informed Synchrony Bank that we were U.S. Veterans and that my husband is a XXXX XXXX XXXXXXXX Vet. Synchrony has been very heartless, pious, and uncaring to us as U.S. XXXX XXXX Citizens who has Served the Country who have unfortunately experienced unforeseen extenuating Medical & Financial circumstances. This is also another form of Financial Greed with no heart for anyone except their own pockets of profit.
Product: Money transfer, virtual currency, or money service

I had a Direct Express, Social Security Survivor Benifits deposit pending for the XXXX of XXXX. 
Deposits are in after XXXX XXXX time the night before and fully accessible after that time. 
Funds were not available, since then, for the {$1400.00} that is my regular scheduled deposit. 
Normally I call their number and put in the last 4 numbers on my card, then next step, my 4 digit password. Then it tells my Deposit, Balance, Transactions and such. 
Now it asks for my last 4 numbers on my card. Then to activate, check balance or transactions, tp please enter the full account number. Then as it thanks me for my patients, the longest was almost 4 hours with scratchy elevator music. 
My Son is a Senior Vice President for XXXXXXXX XXXX in charge of Database. He says that Comerica Bank- Direct Express , experienced a Data Breech and is ghosting everybody to prevent a run on the bank. I received a letter yesterday saying to either call the number to discuss this or if there is no problem, the card will be activated on its own.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/XXXXXX/XX/year>
Product: Mortgage

I have my mortgage and escrow account with LoanCare LLC. In the process of my mortgage being transferred to LoanCare LLC, my taxes were short paid, I paid them and all late fees due to the timing of taxes and the timing of sale and transfer of loan companies. Then they said they paid my XX/XX/2020 taxes but the town never received them. I have contacted them many times about this with absolutely no response. I just want them to pay my back due taxes along with all the penalties and interest ( some of which I have already paid ).
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX Payments Serial # XXXX XX/XX/year> *never credited* Signed green card XXXX Asked for the true bill of accounting. Santandar Bank failed to furnish TILA Truth in Lending Act. Right of Recession. Hence Santandar failed to perform According to the Agreement. Since Santandar has not performed we issued a public notice in the newspapers stating an alleged failure to perform under NYS Accord and Satisfaction GOV15 501-503. Santandar has accepted and processed post office money orders with conspicuous writing giving an order to zero out the balances and they have accepted the money orders but failed to complete the accounting after agreement of depositing postal instrument. We continue to make duress payments to remain in honor. This ongoing situation may be subject to further legal action to address the irreparable damage furthermore I hereby revoke Santandar as power of attorney on any security interest in this agreement.
Product: Checking or savings account

Capital one has been committing bank fraud in my account. The account has money disappear in mid transaction from thw balance other than funds involved. 

evidence shows {$3.00} missing between deposit and balance. 

Numerous other instance
Product: Debt collection

PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my XXXX XXXX  to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX Late Payment XX/XX/XXXX Account # XXXX XXXX XXXX XXXX Late Payment  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX Account # XXXX XXXX XXXX  Late Payment XXXX, XXXX, XX/XX/XXXX Account # XXXX
Product: Debt collection

Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid