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

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

Traded in a vehicle and bought a vehicle from the dealer on XX/XX/year>. I attempted to make contact with the dealer during the week to get confirmation that the loan on my vehicle I traded in was paid off. Nobody responded. On XX/XX/year> I went in person to speak with XXXX XXXX, a manager, and XXXX, finance guy, to ask for their help in confirming payment had been made to payoff my trade in. They provided with general turnaround times. They couldnt issue me a check because its generated out of some accounting office not in the dealer. They did say a check would be issued the following week and my loan would be paid off. That has not happened and I called today, XX/XX/year> and spoke with a gentleman named XXXX, a manager, who would look into it. Gave me the same response on general turnaround times to pay off my loan but extended that to, it could take up to 30 days. That as long as my payment wasnt 30 days late, it wouldnt go on my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX my Bank of America checking account was hijacked/hacked by an unknown individual with my personal account details. They accessed my account and wired out {$8100.00} USD. 

I reached out to Bank of America when I took notice of this to put a stop to this and reclaim my personal account details, which was less than 5 hours from when this cyberattack happened. The agent informed me that the fraudulent wire was in transit and that I need to open a claim. I opened this claim on XX/XX/XXXX and filed a police report on XX/XX/XXXX. 

I called Bank of Americas claims XXXX number and spoke with an agent on XX/XX/XXXX to give them the case number of the police report and the name of the officer. When speaking with the agent she informed me that they have personal details of who hacked my account along with their receiving bank and explicitly said that Bank of America has reversed the wire and that I will received my funds back by XX/XX/XXXX. 

I received a notice on XX/XX/XXXX that Bank of America will not disbursement my funds. I called their claims XXXX line to speak with an agent and she has to document more details, as she states that the investigators did not document that my account was accessed by a device not normal to to my account history. I have given Bank of America all that they have asked of me to resolve this and have still not received my funds that was fraudulently wired out and they caught and reversed. They are holding my funds and have mismanaged my claim.
Product: Debt collection

XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) XXXX XXXX is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
XXXX XXXX  has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

BANK OF AMERICA I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app due to inadequate customer service, and unfair practice, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, cashapp has failed to take timely and effective measures to prevent and address fraud in 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 cause significant Inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/19 2 separate transactions were withdrawn from my account, {$1.00} and {$19.00}, I contacted my bank to inform them these were unauthorized transactions, I also had my debit card cancelled and reissued. I then contacted the company responsible for the transactions, they informed me that they had no record of my account. 

Then again on XX/XX/19 I had another charge of {$19.00} deducted from my account. I am contacting my bank to report this as another unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, EQUIFAX BROKE THE LAW Pursuant to 15 us 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 

Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail in the initial investigation of this investigation as you assumed this role you also assumed the information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not insure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( D ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

I have tried to reach out to you twice so far to no avail. On XX/XX/XXXX using certified mail # XXXX and on XX/XX/XXXX using first class mail.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

On XX/XX/2023, I was in the XXXX XXXX on a business trip. I hired a driver ( like a taxi ) to take me from the XXXX airport to XXXX XXXX. I agreed to pay {$200.00} for the gas since it is so expense there. When we arrived at the so called gas station, I had my credit card out and an employee stole the card right out of my hands and went into his office. Right away a ran after him and asked for my card back or I will call the police. I do not speak XXXX and he did not speak XXXX. After about 5 mintues he gave my card back. Immiately after receiving my card, I received a smartphone text from Bank of America, asking if DECLINE or ACCEPT a charge of {$3500.00} from a business in the XXXX XXXX I immediately replied DECLINE. Then, I immediately called BofA and they said " Do not worry, you declined it so we will credit/refund the transaction on your account and de-activate your card and send you a new card. They said the employeee must have taken a photo of the card because they continued to try to charge up to {$10000.00} on my account. 

On XX/XX/XXXX   Bank of America put the fraud charge of {$3500.00} back on my CC account. I immediately called BofA and explained what happened and they opened up a fraud case. About 4 weeks later, I received a letter from them stating it was not fraud since there was a transaction of {$200.00}, making me an established recurring customer. However, BofA declined the original transaction of {$200.00}. I paid {$200.00} in cash and requested a receipt and the business said their printer is broken. 

I continued every week to call the BofA Fraud department in XXXX, AZ. asking for an update. Each time I called I had to explain the complete story over and over again. When I asked why aren't their notes from previous calls, the said they do not know. 

I suspect the driver and the business worked together on this fraud scam. Bank of America still has not refunded me the {$3500.00} plus interest they have been charging me. 

It has now been past 90 days and I still do not have a resolution.
Product: Credit reporting or other personal consumer reports

They allowed XXXX XXXX to see my credit report and leak my information out. Where now my information has popped up on the dark web and there are items in my report that doesn't belong to me
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 recovering lost funds impossible and that tracking these transactions was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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, credit repair services, or other personal consumer reports

I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Bank account or service

In XXXX 2015, I initiated an HSA rollover with HSA Bank from my account at their bank to my new account at XXXX Bank. On XXXX XXXX, I received an email from HSA bank from XXXX XXXX to contact HSA Bank. I called on XXXX and spoke to XXXX XXXX, who said the form I sent was not legible. On XXXX, I emailed a legible form to XXXX, who said they would process my transfer. On XXXX, I received another email from HSA Bank ... this time from XXXX XXXX, who asked for verbal confirmation to go ahead with the transfer, which I confirmed. I 'm not sure why they needed a verbal confirmation and why it would take 12 days to ask for XXXX. 

Around XXXX XXXX, I noticed that my funds still had n't been transferred, so I called to ask the status and they said they had n't processed due to my brokerage account not closing ( which it had ) and a couple of pending debit card transactions. On XXXX XXXX, the pending transactions went through. On XXXX XXXX, my funds still had n't been transferred and my account with HSA Bank was still showing as active. I called HSA Bank on XXXX XXXX and asked the status of my account and they said it would be 4-6 weeks to process. On that phone call, I asked them to put me in touch with a supervisor. After holding for about 20 minutes they said there was no supervisor available. Also on that call, I asked them to send me an email when the check was mailed and I was hung up on.
Product: Credit card or prepaid card

XXXX accordance with the Fair Credit Reporting act 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
Product: Mortgage

This is a dispute response from CFPB # XXXX to the Wells Fargo Mortgage response letter dated XXXX XXXX, 2016. Wells Fargo 's research was incomplete and inaccurate in the evidence it outlined supporting their position on pursuing foreclosure to my property. They did not document in their letter all recorded conversations with all of the representatives which were assigned to my case ; the recordings would show that what the representatives communicated to me by phone was not reflected in the letters sent by Wells Fargo. Not all of the letters sent by Wells Fargo were included in the documentation outlined by the bank ; such as the two letters dated the same date of XXXX XXXX, 2016. One was from my representative outlining the procedure for a loan modification and one from the attorneys at Wells Fargo indicating the bank was accelerating foreclosure on my property. The other letter which is questionable and listed in their documentation was the letter dated XXXX XXXX, 2016 which I received a week after the aforementioned letters. This letter informed me that my Disaster Relief Program had ended in XXXX, 2016, yet I received the letter in XXXX. Wells Fargo claims it was just a administrative error and the letter was not generated in a " timely manner ''. That is a huge administrative error! How can my representative send me a loan modification packet dated the same date as the attorney 's letter announcing accelerating foreclosure with a sale date of XXXX XXXX, if Wells Fargo was honestly going to consider me for a loan modification? It would only give me about 3 weeks to submit all the necessary paperwork, wait for their decision, and then if declined scramble to come up with all the money necessary to reinstate my loan. Also, the date of the property inspection for foreclosure listed in the Wells Fargo letter was misleading ; they listed XXXX XXXX, 2016 and the company that came out to take photos of my property came out on XXXX XXXX, 2016 while I was still technically in the Wells Fargo Disaster Relief Program. I personally believe that Wells Fargo continues to be the " bully of foreclosures '' knowing they are protected by the federal courts and therefore get away with deceptive, misleading tactics towards their mortgage customers who are struggling financially. I think the company seeks to put consumers in their Disaster Relief Program with the hidden intent of pursuing foreclosure, especially with properties that have substantial equity, as with my property. Those who have experienced a natural disaster and are trying to repair and rebuild their homes are weary and susceptible. They are vulnerable to companies claiming to want to help them during their difficult situation ; yet these companies are carefully calculating how they can profit from a consumers misfortune. I would like to see XXXX pass legislation that would require mortgage lenders to approve loan modifications to consumers that are in their Disaster Relief Programs.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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