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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I received an undated notice from Synchrony Bank regarding changes to the Belk Rewards + Credit Card agreement. Starting XX/XX/year> a {$1.00} fee will be charged to my account each month I am sent a paper billing statement. I can avoid this fee by setting up a paperless statement. It then gives me a website to log into for changing to the paperless statement in order to avoid the fee. However I am unable to register or log into my Synchrony account because it does not recognize any information that I enter. I called their customer service number and the representative informed me that they can not help me access my account and that it can only be accessed online. I am therefore unable to avoid the fee.
Product: Debt collection

I think these guys have just been winging me around actually cancelling my gym membership. It feels like a decietful practice ; I dont understand why cancelling/renewing my XXXX account is done in seconds but trying to cancel my membership with these guys is like pulling teeth. 

When COVID-19 happened in XX/XX/XXXX, I reached out to my health club to cancel my membership. They told me I would have to go to the original gym I signed up with in XXXX. I am an essential worker, and couldnt take off, so I begged them to just cancel. They would not. I figured hopefully covid would subside ... that did not happen. When lockdown went into place, they reached out to us to let us know we wouldnt be getting charged. I reached out and again said I am cancelling my account. All the gyms were closed - how was one supposed to do this? I left phone messages saying I wanted to cancel my membership. I then found out I could cancel online. So I cancelled my membership in XXXX XXXX. 

I noticed around XX/XX/XXXX they were still charging me. I reached out to my creditcard to suspend the charges from them because I cancelled my membership months ago and this was feeling borderline predatory practice. My creditcard agreed with me, and refunded me all the charges from XX/XX/XXXX. 

Now in the mail, ABC Financial XXXX XXXX XXXX is saying I owe them {$220.00} in late fee. ABC Financial / XXXX XXXX is going after me with basically a whole year 's worth of a membership after COVID? Unbelievable! This is some " Hotel California '' trap where you sign up and they make it impossible to cancel, when they should have allowed us to cancel our memberships when COVID happened so people could focus on their bills. 

No way this is legal after COVID ; it definitely needs to be investigated for predatory practices and made simpler to manage your membership status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I asked for a investigation previously on my account so I'm asking for help with these XXXX accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are reporting incorrectly the information in these account are incorrect and i have information to prove it.
Product: Debt collection

I received an email from XXXX XXXX XXXX  stated they violated my rights based on California Consumer Privacy act by selling my information to PYOD which is a collection agency. XXXX XXXX XXXX  nor PYOD has no information to prove that it is mine and not paperwork with my wet signature on it. Also my FDCPA laws that protect me was violated based on 15 USC 1692 A ( 3 ), 1692 A ( 5 ), and1692 A ( 6 ). In return, it has lowered my quality of life and causing to pay more to live.
Product: Credit reporting or other personal consumer reports

I am wrote to Equifax, XXXX, XXXX, its partners, and affiliates : I am rescinding and opting out of their company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/year> XXXXXXXX XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates to fully compensate for the various violations including but not limited to breach of trust, within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Product: Money transfer, virtual currency, or money service

My Mobile phone was compromised and there were 3 separate XXXX  transactions that was made using my mobile account. I called chase to report the situation the next day. Transactions are : XX/XX/2021 - {$820.00} XX/XX/2021 - {$400.00} XX/XX/2021 - {$780.00} After reporting, Chase locked my online account and filled a claim. They confirmed that my account has been compromised and that I will receive a refund within 10 business days. I had to create a new online account and change my username and password as instructed. Today, XX/XX/2021, I called to follow up with Chase and said my claim has been denied due to transaction happened with XXXX. I escalated the claim to the claims supervisor and was told that they can not do anything or refund me because there were no suspicious activity that they can see on their end. The claims supervisor asked me to file a complain with CFPB if I want to but they are not going to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Debt collection

Incessant calling. Sometimes 5-6 times in an immediate row. Consistent badgering voicemails and letters stating they would damage my credit by sending me to collections. It's {$50.00} bucks or so. I changed my debit card number, and they could no longer auto-charge after telling them I wanted the membership closed. I filed multiple complaints with the XXXX. Other consumers are experiencing the same thing. It has been a huge mistake working with this company. The only way that you can even get out of a contract with them is if you show a surgeon 's letter stating that you are permanently disabled to get out of it. Horrendous. They must be reported for constant harassment.
Product: Mortgage

I had a mortgage being serviced by Ocwen and they have failed to reduce my principle or offer me any relief as ordered in the CFPB agreement dated XX/XX/XXXX. I have received legal foreclosure papers to appear on XX/XX/XXXX at XXXX district court XXXX XXXX XXXX XXXX. XXXX Michigan XXXX XXXX number XXXX. I feel Ocwen is not abiding by the order.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX  XX/XX/2023
Product: Debt collection

XX/XX/2021 Caine & Weiner was sent a debt validation letter along with a cease and desist letter through certified mail. Ive requested proper validation pursuant 15 usc 1692g of the FDCPA. Ive also requested to see a contract between Caine & Weiner and I showing that Ive agreed to pay an alleged debt. I did not consent to, authorize nor benefit from Caine & Weiner account on my consumer report.
Product: Debt collection

On XX/XX/2019, MT Bank address XXXX XXXX XXXX XXXX DE XXXX was notified by letter through IdentityTheft.Gov about my identity theft complaint, an affidavit and a police report were sent to them. Answer all your letters and questions. I recently received a letter from a collection company demanding payment of {$5000.00} money I did not request or use. 
This matter was reported in time when requesting a credit report and all credit bureaus were notified.
Product: Credit reporting or other personal consumer reports

Zombie Loans with aggravated identity theft were stacked against my property under sham loans organized by counterfeit forms, brokered and notarized attorney that added bankruptcy fraud to " borrower '' under aggravated identity theft. 

The courts of XXXX XXXX courts, of Florida, with bank have facilitated more fraud and remain in contempt, suppressing orders, civil penalty relief and all of CFPB sanctions against XXXX XXXX, and subsidiaries who have embezzled zombie loans. 

The home association attorneys, bank attorneys of XXXX XXXX  and judges have participated in embezzlement of zombie loans and laundering schemes to " sell ' property used for zombie loans for no less than one decade. 

The CFPB found that XXXX XXXX  violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Specifically, XXXX XXXX  was : Exploiting personal data without authorization : The Fair Credit Reporting Act, among other things, defines the permissible uses of credit reports, and users of credit reports may only request them if they have a permissible purpose. XXXX XXXX  used customers credit reports without a permissible purpose, and without its customers permission, to facilitate opening unauthorized credit cards and lines of credit. 
Opening accounts without consumer permission : XXXX XXXX  opened deposit accounts, credit cards, and lines of credit without permission. This included opening Reserve and Premier lines of credit, which carry high interest rates and expensive fees. This behavior violated the Consumer Financial Protection Act and the Truth in Lending Act. 
Failing to provide legally required consumer disclosures : The Truth in Savings Act requires banks to provide certain disclosures when opening new deposit accounts. XXXX XXXX  violated the law when its employees opened consumer deposit accounts without permission and, in the process of doing so, failed to provide the required disclosures. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPBs order requires XXXX XXXX  to : Pay a {$37.00} XXXX fine : XXXX XXXX  will pay a {$37.00} XXXX penalty to the CFPB, and the CFPB will deposit it into the CFPBs victims relief fund. This fund provides compensation to consumers harmed by violations of federal consumer financial protection law. 
Forfeit and return all unlawfully charged fees and costs to harmed customers : XXXX XXXX  must develop a plan to remediate harmed consumers by returning all unlawfully charged fees and costs, plus interest. 

Aggravated Identity Theft 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation.
Product: Checking or savings account

Capital One unlawfully misled me and my father about its XXXX XXXX accounts and obscured its higher-interest savings product from us. When I inquired about my interest rate on my savings account, the teller whispered to a XXXX, and they offered me the XXXX XXXX. 
Capital One marketed its XXXX XXXX  account as a high interest account with a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. It also assured former XXXX XXXX XXXX  accountholders that, with XXXX XXXX, they would still have great rates. However, from late XXXX to XXXX, Capital One lowered and then froze the XXXX XXXX account rate to just 0.30 %, even as rates increased nationwide. In contrast, starting in early XXXX, Capital One increased the XXXX XXXX XXXX account rate. In fact, the rate went from 0.40 % in XX/XX/XXXX to 3.30 % as of XX/XX/XXXX, and 4.35 % as of XX/XX/XXXX.
Product: Credit reporting

This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.
Product: Credit card or prepaid card

On XX/XX/2020 the IRS said they mailed me a XXXX $ stimulus check. I never received it. The 2nd week of XXXX I called and found out I was issued a debit card. I have still not received it. My name is XXXX XXXX XXXX XXXX XXXX XXXX Vermont XXXX is the original adress of record. I have since moved to XXXX XXXX XXXX XXXX Vermont XXXX. I even paid extra to have the money within 10 buisness days and that never happened. I called the IRS said I must call MoneyNetwork there is nothing they can do for me, I have tried to call MoneyNetwork several times to no avail, even paying extra to get the card I have still not recieved it as of XX/XX/XXXX!!! Where is my money? Why can I not get a human being on the phone with the bank? This is a scam! Still waiting,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian isnt allowing me to Dispute against creditors that are not mine. Experian is favoring the creditors as I have told them time again I had fraud identity theft on my name. Experian doesnt want to do anything about it and will not dispute with these creditors! Experian is deterring me to not Dispute. Also Ive asked why are you blaming the XXXX as Ive chatted with them and all information is correct to pull credit report and score for the premium service I have with Experian. This company will say and do anything to not help consumers. Unethical treatment by Experian. Very dissatisfied with this company to help consumers and favors creditors and lenders.
Product: Checking or savings account

Wed, XX/XX/XXXX - USAA put our accounts ( XXXX of them ) in " credit only '' status, essentially freezing use of the accounts. They claim this was initiated by their fraud team. I called that day and was told by XXXX XXXX that I would have a response or my accounts would magically be unfrozen within XXXX business days. 

XXXX XX/XX/XXXX - wait ( they say they can not do anything more until XXXX business days have passed since the request was made ) XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though XXXX of the XXXX accounts have been cleared ) XXXX XXXXXX/XX/XXXX- I call Member Resolution to inquire and they " submit another request to the fraud dept '' and tell me I have to wait XXXX MORE business days XXXX  XX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though I did call Member Resolution again anyway and got nowhere ) XXXX XXXXXX/XX/XXXX - I call and am AGAIN given NO information and am told to wait XXXX more days. 

XXXX XXXXXX/XX/XXXX - XXXX withdrawals are being bounced, checks are bouncing, etc. Furious, it has been XXXX full weeks, so I call again today. After XXXX minutes on the phone with a " XXXX XXXX '' expert ( my XXXX one ), I am again told that there is nothing they can do except submit an electronic request for the fraud team to resolve it " within XXXX business days ''. 

There is supposedly no way to put me in contact with the fraud department, and they will not let me talk to a supervisor or someone " higher '' up the chain. They claim the fraud department works first-in first-out, but that is clearly not true since XXXX of my accounts were unfrozen within a few days. I have had no access to my primary checking account and my son has had no debit card for XXXX days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capitol One master card appears twice on my XXXX credit report. The last four of the card are XXXX.