23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Product: Checking or savings account

My husband is XXXX XXXXl and someone has been fraudulently accessing his account and sending themselves money via XXXX. I called on XX/XX/XXXX and was told his online access would be frozen. When I saw more money was stolen that night, I called on XX/XX/XXXX and was told they would not speak to me without power of attorney since it was stolen from his personal brokerage account. The unauthorized person took money from our joint account on XX/XX/XXXX so I called back on XX/XX/XXXX. After my debit card was cancelled, the checking account number changed, and being told I could not get checks because they had an old address, I was told the person who has hacked his account still maintained all access since they can't do anything unless he calls himself. ( Again, he is XXXX XXXX ). 

When I called back on XX/XX/XXXX to get the account number and find out how to restore my online access since that was cancelled as well ( even though the criminal 's access was not! ), the man began investigating the fraud again instead. when I told him that had been done and I just wanted my account number, he told me he had to investigate. He was asking me a list of questions that no one asked when I tried to report the fraud the day before. 

I can not access my checking account. My husband 's direct deposit will not be able to go through. Meanwhile, this hacker/criminal/unauthorized person XXXX themselves more money last night.
Product: Credit card or prepaid card

On XX/XX/22 I reported a fraudulent charge on my credit card to Barclays. Barclays issued a provisional credit and a new card was issued on XX/XX/22. On XX/XX/22 the credit card company sent a letter indicating that the charge was investigated and was deemed fraudulent. On XX/XX/22 the credit card company informed their investigation was complete and the charge was not fraudulent. The provisional credit was reversed. The charge was reported to the merchant as fraudulent and my online account was closed to avoid any future unauthorized purchases. Per regulation Z I should not be held responsible for fraudulent charges on my credit card.
Product: Debt collection

Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and then tracking these transactions was unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer Im opting out of any and all authorizations given to report my information to any XXXX  party listed on my credit report. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ) Per U.S code 6802 a financial institution may not directly or through any affiliate, disclose to a non affiliated XXXX  party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Mortgage

My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to Credco Corelogic disputing 3 hard inquiries the company had placed on my credit report for XXXX XXXX. As I stated in the letter, I did not dispute the fact that I inquired to XXXX XXXX   on a possible mortgage loan. I was disputing that the inquiries were for pre-qualification purposes and was to only be a soft inquiry. I ask Credco to send me copies of the authorizations they had to place hard inquiries on my report. I sent them copies of the XXXX  report I had which clearly shows it was XXXX XXXX that they provided the reports to. I received a response from Credco stating they had furnished the reports to their client XXXX XXXX   and they represented they had permissible purpose. Yet they did not send me any copies of proof of authorization.
Product: Debt collection

On XX/XX/year> XXXX Equities ( Dobberstein Law Firm ) filed a small claim lawsuit in XXXX XXXX XXXX, XXXX Wi. The date of the hearing was XX/XX/year>. They mailed communications to me to an address in XXXX  I DO NOT reside at, causing me to receive documentation late. On XX/XX/year>, they mailed a letter to me regarding the debt, amount owed, and that I have until XX/XX/XXXX to dispute the debt. This was sent to my new address in XXXX XXXX I was not given 30 days to dispute. They went ahead with the lawsuit and because I was not able to appear ( I do not live in Wisconsin ), they filed the judgment against me. I thought I had until XX/XX/XXXX, per the letter. They are now attempting to garnish my wages. I spoke with an attorney in Wisconsin who advised they can not do this because they have to file something with my new state, which this debt collector/law office clearly knows my new address since they sent me the debt letter AFTER they filed the lawsuit. I wasn't even aware they had my debt. From my understanding, they are supposed to allow you 30 days to dispute prior to filing any lawsuit. I have been attempting to reach this office. I called the courthouse who provided me contact information. I also used the contact information on the form they mailed me. I have attempted calls and emails. They do not answer the phone. They do not respond to emails. I started putting delivery and read receipts on my emails. I also received a letter from the court house dated XX/XX/year>. I didn't receive this until XX/XX/XXXX. They sent it to my old address in Wisconsin. I have copies of the envelope that shows it was mailed, and then the yellow sticker from the post advising it was rerouted on XX/XX/XXXX. I am not getting my mail because they obviously didn't inform the judge of my new address they clearly had. I am not sure where to go from here. I wanted to be treated fairly. I wanted to have my 30 days to work out a payment arrangement with them, as I could have had this paid off by the end of XXXX, but they will not answer or respond.
Product: Debt collection

There is a old credit card debt that is unverifiable and past the statute. I have disputed and nothing has been resolved. Please help
Product: Consumer Loan

the legal dept at lobell is rude the talk over you when asked for certain information and try to work with them they wont they tack on all sorts of interest and fees and my auto loan is charged off they threaten law suits originally my engine went out i was having a hard time as my husband lost his job and i was pregnant i asked for them to put XXXX payments to the rear to allow me to get the car fixed the lady asked for proof so i had my mechanic at the shop fax her proof that the engine needed to be repaired next thing i knew my mechanic called and advised they were there to pick up the car and was trying to pay him i called the lady and she advised i could get the car back but after paying my past due and all there towing fees not to mention they served my sister with court papers at my mother address she advised the officer i didnt live there but he said to give them to me at the time i wasnt even speaking with my family and wasnt aware of the court docs i advised lobell that how can they judgement be accurate if they didnt even serve me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, 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. 

The following accounts have violated my rights : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

Pertaining to complaint number XXXX, on XXXX XXXX, XXXX  the CFPB notified me via email, informing me as to the status of my complaint. Which was fowarded to Capital One on XXXX XXXX XXXX As of today, XXXX XXXXXXXX XXXX my FTC Report, Idetity theft Police Report and Proof of identifacation documents have been in there position. See PDF " CFPB Email. '' On XXXX XXXX, XXXX  at XXXX XXXX  XXXX Received My dispute documents via certified mail number : XXXX XXXX XXXX XXXX XXXX, FTC Report, Identity Theft Report, Dispute letter and Proof of identification ( New York State Drivers License ). As of today XXXX XXXX, XXXX, XXXX has been in possesion of the above documnets for a total of five days. See XXXX  " XXXX. " Mail Cert Recp ''. 

On XXXX XXXX, XXXX  I received an email from XXXX stating, they forwared my documents to the creditor because I needed to submit more documents to verify my identity. See XXXX  " XXXX Email '' Today, XXXX XXXX, XXXX, I held an hour and thirty minute phone call with XXXX ( call case no. : XXXX ) My request was for the status of my dispute. I asked a fraud department supervisor to explain the reason as to why the Cap One account was not blocked from my credit report. The supervisors response was, " we have to wait to here from the creditor ''. I explaint to the supevisor that the law superceeds there company policy, and that the law states your company ( experian ) has four business days to block the account upon receiving the proper documents from me. Which are : 1. Proof of identity, 2. Identity theft report and 3. Evidence of fraud ( statement affidavits, or documenst of unauthorized accounts ). See 15 U.S.C 1681g ( e ), Four day to block account
. 

I further explained that all the required documents were submitted and to time to block the account has elapsted. Further more, the time for blocking the account has absolutly nothing to do with the time frame for investigating the account. His response was, " feel free to file your complaint with CFPB ''. 

See Current Experian Credit report
Product: Debt collection

In XX/XX/scrub> 2024 I entered into a " Pay to Delete '' agreement with Capital One Auto Finance. They agreed to a payment arrangement, accepted the money, sent me the title and lien release but have refused to delete the item from my credit reports. I would not have agreed to this if it was not a pay to delete. I spoke with a manager at XXXX who agreed multiple times during phone calls ( there were three of them ) for a pay to delete.
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 confidentially under 15 USC 1681.

XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXX Bank XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # 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 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 7 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 the the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Company not following policy time or proper investigation I been waiting since XXXX for a update see attached documents.
Product: Debt collection

Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.
Product: Credit card or prepaid card

On multiple occasions I have requested a credit line increase with Citi Bank on my credit card ( I only have one ) on dates : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 Each request I was declined for a different reason, and all were in accurate reasons. 
1 ) At this time we are unable to approve this request because theres a late or missing payment on another Citi credit card account.

( I only have one credit card ) 2 ) At this time, we're unable to approve this request because your current income and/or monthly mortgage/rent payment information was not provided. ( Citi automatically collects income since it was previously entered, and I have no mortgage payment ) 3 ) We're unable to approve this request because a review of your account ( s ) shows there's been a bankruptcy and/or charge-off on one of your credit cards with us or one of our partners. We did not obtain information from a credit reporting agency in making this decision. ( There is no bankruptcy or charge off with any Credit card I own ) I have called Citi twice about this. The first representative said that she will file a complaint so that this can be investigated and I never heard anything back. The second time I called, the represent
ative said there is no way to dispute this, nor do they have any credit analyst/specialist who review the request.

This goes against The Federal Equal Credit Opportunity Act. I have never missed a payment on any line of credit that I have. I have no mortgage, and I have good credit and income. I want to be evaluated fairly.
Product: Credit card

I attempted to make a retail purchase using my Capital One card and it was declined. I received a text and email ( Two-factor authentication ) to which I responded affirmatively, yet Capital One did not authorize the charge. I spoke with their fraud unit and I asked to know why the card was declined. The only explanation offered was that it is the holiday season and that falsified cards are in use and, thus, Capital One declined the charge. 

No adequate reason given. What is the point of having a credit card when the issuer can not allow you to use it? This should be illegal. Capital One 's fraud procedures are nonsensical, inadequate, and a nuisance for customers. I was in physical store and the salesman asked for my ID when he ran my credit card. That is not foolproof, but it is the best means of validation of a charge, yet Capital One ignored simple logic, ignored its own 2FA, and did all this without any premise whatsoever. This company has completely failed to meet its obligation as a credit card issuer, and I warn all consumers to stay away from using Capital One.