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

Made several disputes. Credit Reports XX/XX/2018, XX/XX/2018 post 'investigation ' showed no changes. I am writing this due to non-compliance with Credit reporting Agency, Transunion. 
Transunion has failed to remove information that has not been independently updated/verified and continue to report inaccurate information. 

Disputes based on incomplete investigation/inaccuracies. 

I Strongly believe that Transunion is in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

Citibank sent my payment information via unsecured email message exposing the amount of the transaction on my account to unauthorized third parties. 

Email communication is inherently not secure as the information travels over the internet from server to server and can be accessed by anyone who can happen to be an entity in the middle that facilitates the delivery of the email message. Citibank is fully aware of that and I informed the company in the past not to include financial transaction information that I expect to be private into unsecured email messages.
Product: Checking or savings account

I signed up with BofA many years ago when they offered a Free Checking program. In 2012, I had a incident online where I was presented a form fill page requesting my personal information. I did not want to provide this, so I called the BofA number on the back of my card and was told by one of their reps that it was fine to complete the form because they needed to update my information. A few weeks later, BofA called me because my account had been hacked and we needed to close and reopen a new account. So we did that in  XX/XX/2012. At that time, Bank of America agreed to permanently waive the monthly maintenance fee on my account even though the " free checking programs were no longer available ''. I have a copy of a letter from XXXX XXXX, Vice President / Customer Advocate ; Office of the CEO and President stating that the maintenance fee would be permanently waived. Bank of American has billed me maintenance fees over the past few years because I could not locate my letter and they had " no record on file that my account should be free. I have called them and they won't take a copy of the letter an will not honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Student loan

MOHELA initiated a pause on student loan payments last fall from XXXX to XXXX, with payments resuming in XXXX. They failed to notify me that my account would be placed in forbearance during this time, until XXXX when payments were set to resume. Within that communication, it stated that all payments made during those months would count towards my PSLF payment count. They failed to count XXXX 's payment. It has only now been corrected. This has been an ongoing problem with them. They have failed to notify me on the changes to my account within a timely manner, and have been miss counting my PSLF payments.
Product: Credit card or prepaid card

Wells Fargo is literally reporting me delinquent to the credit reporting agencies on a cancelled credit card with no balance I last used Wells Fargo Credit Card in XXXX, Credit Card, XXXX. In XX/XX/XXXX, two fraudulent charges totaling less than {$5.00} appeared on the card from an unknown internet vendor. I did not pay the charges and challenged them and won, but Wells Fargo reported me as a late payor. My credit score has always been above 800 until then. 

I then challenged delinquency comment on my credit reports through the credit reporting agencies and won both times, but Wells Fargo continues to report me as delinquent payor, having done so again in XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX and XXXX. I even cancelled the card in XX/XX/XXXX as my credit reports show, with a zero balance, so Wells Fargo is literally reporting me delinquent on a cancelled card with no balance. It's crazy. 

I called Wells Fargo, who cancelled the card, yet they continue to report me. I called again on XX/XX/XXXX and spoke with XXXX, who confirmed that my card was closed with a zero balance, but who transferred me to " XXXX '' in Credit Card Department. XXXX then transferred me to " XXXX '' in the Credit Score Department. XXXX then transferred me to XXXX in the Credit Card Consumer Department, who said I must prepare a letter to Credit Report Disputes Resolution outlining the problem and attaching my credit reports. 

I'm done with this. THIS is my letter to them at this point. I've tried.
Product: Credit card

On XX/XX/year>, beginning shortly before XXXX XXXX  ET, I received text alerts on my cell phone, alerting me to XXXX unauthorized chargestotally $ XXXX had been made using my Bank of America-issued credit card. The charges were made in stores in and around XXXX, New York while I was at home in XXXX XXXX, NJapproximately XXXX miles away. I have not been to XXXX in over XXXX decades. 

As soon as I noticed the alerts that same night, I immediately contacted Bank of Americas Fraud Department to report the charges as fraudulent and requested that a new credit card be issued. While Bank of America initially temporary applied credits to my account for the XXXX fraudulent charges, they later reversed the credits on XX/XX/year> and stated that I am responsible for the charges, on the grounds that The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. Bank of America made this determination despite the fact that the only physical card that had been issued to me by Bank of America was in my possession and thus could not possibly have been used to make the XXXX fraudulent charges. Bank of America has yet to explain how they made this determination or why they believe that the only credit card issued by Bank of America was present. 

The same day that I received the determination, I went to my local Bank of America branch, where an employee helped me submit via fax information to the fraud department supporting that I did not authorize the fraudulent charges and my card could not have been used to make the fraudulent charges. This included a screenshot of a security video showing that I was at home in XXXX XXXX, NJ during the time that the charges were made in XXXX, NY and a statement that the only physical card issued to me by Bank of America was in my possession at that time. Bank of America staff subsequently informed me that they would conduct an investigation of my fraud claim. 

From what I have heard from Bank of America thus far, I am concerned that Bank of America either failed to conduct a competent investigation, or was defrauded into issuing a physical credit card to a scammer.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account isn't mines. I never signed any contact. Can I get a letter of validation of this account if not can you please delete this from my credit report
Product: Checking or savings account

Funds were processed when funds were available for auto payments. Wells Fargo processed them to purposely over draft the account on numerous occasions
Product: Debt collection

FIRST AND FOREMOST THE DEBT IN QUESTION IS REGARDING MEDICAL DEBT! As a Medical Debt it falls under the provisions of HIPPA Laws and FDCPA. I never in my sober and contious state of mind ever gave my permission for my medical records to be disclosed as i know under HIPPA laws .... Can only be accessed via a court order by a judge or I myself give written authorization to realease my medical history or any documents related to medical treatments!!! Required by the XXXXealth Insurance Portability and Accountability Act, 45 C.F.R. Parts 160 and 164. 

XXXX XXXX XXXX XXXX .Has willfully and maliciously broken FDCPA LAWS AND HIPPA LAWS. LET THAT BE CLEAR!!!! how you ask? easily- fdcpa 808 ( 1 ) under unfair practices of collection of debt clearly states : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CONTRACT IN OTHERWORDS ... 

AS STATED IN THE BEGINNING I NEVER GAVE THESE CROOKS ACCESS TO MY MEDICAL INFORMATION, OR UNLESS THEY GOT A COURT ORDER I DONT KNOW ABOUT!??? how then are they adding interest to an alleged debt, WITHOUT HAVING THE INSTRUMENT/CONTRACT, MEDICAL FORMS THAT CAUSED THE DEBT? 

ILLEGAL, UNLAWFUL, AND DECEPTIVE MEANS HAVE BEEN USED AND I FULLY INTEND TO SUE FOR TWO COUNTS OF DAMAGES MADE UNTO ME! 

BE AWARE I INTEND TO SUE YOU, I WILL TURN ALL THE FOLLOWING DOCUMENTS TO COURT CLERKS AND SEEK IN DISCOVER MOTION the instrument/contract you used to add interest to this alleged debt. Unless your willing to falsify documents, perjure your whole company, and lie in front of a judge then by all means let 's go to court. ill pay my {$50.00} filling fee to serve you a court summons.
Product: Debt collection

I had an account with XXXX XXXX XXXX that went into collections in the beginning of this year. The debt was originally given to XXXX XXXX XXXX XXXX XXXX XXXX I made a good faith attempt to settle the debt for {$710.00} and established a payment plan with the collections agency of bi-monthly payments of {$100.00} which were drafted from my checking account on XXXX, XX/XX/XXXX and XX/XX/XXXX. They stopped drafting my account in XXXX for the payments and I never heard anything further from them. I received a letter from XXXX XXXX XXXX XXXX in XXXX and they reported the debt to the credit bureaus in XXXX as well. The letter from XXXX indicated that they received the debt from XXXX XXXX XXXX and they offered to " settle '' the debt for {$740.00} which is more money than what The XXXX XXXX XXXX XXXX agreed to settle for. I sent XXXX a written statement on XX/XX/XXXX and provided them a copy of the Agreement with XXXX along with a ledger of payments already remitted and requested that they honor the original settlement agreement. I have not received any written response to my letter as of XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm receipt of my letter and verify that they would allow me to resume my payments as agreed with XXXX XXXX XXXX XXXX XXXX XXXX They refused and advised that they did not have to respond to my letter and they did not have to honor the settlement agreement made with XXXX XXXX XXXX XXXX XXXX XXXX I then called XXXX XXXX XXXX to request that they call the debt so that I could resume the settlement agreement and pay the debt in full to them directly. XXXX XXXX XXXX advised that they could not offer any recourse to me since the debt is now with XXXX. I called the XXXX XXXX XXXX XXXX to determine why the debt was no longer being managed by XXXX and why they stopped accepting payments from me. I was advised that they attempted to draft my account for {$100.00} on XX/XX/XXXX and XXXX and the payment was rejected for insufficient funds. I asked if there was a confirmation number from the bank related to the rejected payment and they said there was not. I had sufficient funds in my account during this date range for the payment so the insufficient rejection could not be true. I then asked the associate why I was never notified of the payment being rejected and he advised that they did not need inform me when a payment is rejected and I asked why I received no further notification from The XXXX XXXX XXXX XXXX and he confirmed that statements had been generated but never submitted to me either by email or post mail. At this point I am hesitant to begin making payments to another company if the debt will then be transferred to a different agency and they attempt to charge me more than what is agreed upon. What recourse do I have, as a consumer, to ensure that the amount due can not be changed by another collections agency if it becomes transferred to another agency?
Product: Money transfer, virtual currency, or money service

I am writing to formally express significant concerns regarding Zelle 's systemic failure to implement adequate consumer protection measures, as evidenced by the recent enforcement action initiated by the Consumer Financial Protection Bureau ( CFPB ). Despite multiple attempts to resolve unauthorized transactions through established dispute channels, both Zelle and its partnering financial institution have demonstrated a clear inability to conduct thorough investigations into reported discrepancies, citing alleged technical limitations in fund recovery and transaction tracing capabilities. 

The CFPB 's litigation has highlighted substantial deficiencies in Zelle 's operational framework, particularly concerning its dispute resolution protocols. Notably, the platform has failed to implement sufficient safeguards against known offenders, thereby creating an environment conducive to fraudulent activities and consumer exploitation. This institutional negligence, coupled with a marked lack of procedural transparency, raises significant legal and regulatory compliance questions regarding Zelle 's adherence to consumer protection standards mandated under applicable federal banking regulations. 

The convergence of these operational deficiencies and the absence of robust investigative procedures constitutes a material breach of the platform 's duty of care to its users, potentially exposing consumers to undue financial risk and harm.
Product: Money transfer, virtual currency, or money service

i am filling a compiant against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platfrom, leaving my account vulnerable and unprotected.

furthemore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electroinc fund transfer Act ( EETA ) and regulation E. these actions have cause significant inconvenience and financial loss and i seek appropiate redress for these violations.
Product: Vehicle loan or lease

I the Consumer and Natural person was denied credit after my social security number was given and I received no benefits, this proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602 ( p ), adverse action against a consumer is against the law according to Equal credit opportunity act which is codified in 15 USC 1691 and is in pursuant to civil liability under 15 USC1692 ( k ) .also in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. BANK OF AMERICA is subject to criminally liability for violating 15 USC1691 as I have proof that I was Discriminated against due to the response I received. Also BANK OF AMERICA is in violation of 15 USC 1611 whis public knowledge whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of thia subchapter or any regulation issued there under.
Product: Bank account or service

XXXX XXXX XXXX added an unknown female to my auto policy which cause my Comerica checking account to be overdrawn for XXXX from XXXX I regularly pay, I have been trying to contact Comerica bank to try stop that unauthorized payment and nobody is there to assist me, only automated menus, when I select transactions it says to call Monday to Friday. it is inadmissible they do n't have anyone that can assist me with unauthorized charges to my checking account which is overdrawn because of this charge, if they are federally insured they should have someone person to assist on this matter, unauthorized charges just do n't happens Monday to Friday XXXX to XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I applied online for a XXXX XXXX XXXX American Express Card. The offer included with my application was the opportunity to earn 40,000 bonus miles after {$1000.00} in qualifying purchases are made on the Card within the first three months of Card Membership. I have subsequently fulfilled the requirement of qualifying purchases but American Express has refused to honor its welcome offer and have not provided me with 40,000 bonus miles. 

American Express has responded and advised that I was not eligible for the welcome offer. American Express has further stated that I was advised during the online application process that I was not eligible for this welcome offer. The response from American Express was incorrect. The company did not advise me during the application process that I was ineligible for the welcome offer, otherwise I would not have proceeded with this application.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of inaccurate information currently reflected on my credit report, despite prior notifications indicating that these entries were removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only accurate and verifiable information. The Federal Trade Commission ( FTC ) has emphasized that credit bureaus are required to ensure 100 % accuracy in their reporting. 

According to recent updates on my credit report dated between XX/XX/year>, and XX/XX/year>, it was confirmed that the following entries were removed : Account : CHILD SUPPORT XXXX VA Inquiries : XXXX XXXX and XXXX Card Services However, I have observed that this information is still being reported on my credit report. This constitutes a clear violation of FCRA provisions, specifically regarding accuracy and the timely removal of closed or disputed accounts. In addition to damaging my credit score and personal financial standing, this repeated inaccuracy subjects your organization to potential legal liabilities under consumer protection laws. 

I demand that you : XXXX. Immediately remove the aforementioned inaccurate entries from my credit report, as previously indicated. 
XXXX. Provide written confirmation of the removal within 15 business days from the date of receipt of this letter.

3. Conduct an internal investigation to prevent further inaccuracies and report back on measures taken to ensure compliance with federal requirements. 

Should you fail to comply within this period, I will have no alternative but to escalate this matter to the Federal Trade Commission and consider legal actions to enforce my rights under FCRA. Please treat this letter as formal notice of potential legal action if the issue is not promptly resolved. 

I appreciate your immediate attention to this serious matter and await your written confirmation of the corrective actions taken. 

Sincerely
Product: Debt collection

Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being Nordstrom was aware I contacted Nordstrom as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by XXXX collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted Nordstrom Card Services today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed Nordstrom and advised legal matters will follow if this matter is not resolved! 
The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and Nordstrom acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX XXXX XXXX has informed me as of today that they have sent the Nordstrom file that was closed on XX/XX/21 to XXXX active collection agencies XXXX and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
Product: Mortgage

Supposedly Bank of New York Mellon owns my home and mortgage, along with the deed. I would like to know when this transaction happened, along with proof of paperwork