23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name 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 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 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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.
Product: Checking or savings account

I met all criteria for a promotional direct deposit offer that was advertised to me on my checking account ending in XXXX ( including link below ). I found that my last direct deposit may not have coded correctly as an ACH ( I am not sure ), although it was payroll processed by my bank as a same-day ACH. I called in regarding this, and the manager had a very difficult time finding the promotion and left notes on my account regarding my eligibility towards the bonus. Of course, when just finishing the last direct deposit and waiting the specified time for the bonus, it has not been added to my account. When calling in, agents can not locate the below offer. I need Citi to please apply the below promotional offer as all terms were met so I can move forward. 

https : 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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Checking or savings account

XXXX XXXX at First Horizon Bank locked my account. My checking account. There was over {$30000.00} in my account and the money has been in my account for a period of time and XXXX chose it upon his self to get the great idea of locking my whole bank account to where I can not even use it. He locked the account on Friday, XX/XX/XXXX and XXXX blaming it on a lady in the back in security department that locked my account but hes not giving me the ladies name number fax number email address or any type of contact information of the lady in the back security office, that decided to lock my account. XXXX was the last person I spoke to about my account and he locked it. No other banker or teller locked my account. XXXX starting to think that he stole the money out of my account because now my account is {$99.00} XXXX in the negative and I need my account unlocked immediately so I can continue to pay bills and taxes and take care of my family. This is very unethical. XXXX is also a MASSAGE client over at my Spa establishment that I own so XXXX thinking that he XXXX have locked my account in regards to of not having happy ending services at my spa because he had XXXX at a different location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with EQUIFAX, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to Privacy. 

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Clearly the listed accounts ( ALL XXXX XXXX XXXX PAYMENTS REFLECTING A LATE PAYMENT all XXXX XXXXXXXX XXXX products reporting late ) are in direct violation because there was nothing mailed in regard to a finanve charge from said creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My true name is XXXX XXXX XXXX. It has been crossed by the credit bureaus, specifically XXXX  and experian. I went before a judge, showed him my birth certificate, my ss card and my driver license, all with the name XXXX XXXX XXXX on them for years, not just recently. All the authorities, police and sheriffs, know my true name. I have been a victim of id theft. XXXX  on my social security number, put back on my ss # all the fraudulent accounts, experian placed all the fraudulent inquiries and an XXXX XXXX account and inquiry back onto my ss #. This is illegal and against the law. Please take notice, do not let these CRA 's get away with being criminals and break the laws of ID theft with no punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call today to my personal cell phone for a credit card that they claim my husband XXXX took out. The representative that called me from XXXX Legal Proceedings states that they were in the process of filing a civil lawsuit against my husband within 48 hours. I asked what the proceeds were for and they advised that due to Third Party disclosure, they were unable to tell me what the debt was for. I told them that they had already disclosed that they were in the process of court proceedings which is disclosing information to an unidentified third party. I then told the lady that I was XXXX 's wife and she then proceeded to tell me she was filing a lawsuit for a XXXX credit card that was last paid on XX/XX/2013. I told her that if her information was true, them we are far past the statue of limitations to file any sort of judgment. She told me that they are going to file the judgment in 48 hours and she disconnected the call.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX  an ad was posted on XXXX  for a switch bundle for {$210.00} under the account name XXXX XXXX. I showed interest in the product and they asked if I could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after I had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from depop. I am now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. I have reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

Discover Bank opened a account up on XX/XX/year> in the amount of {$8100.00} I have already filed an FTC report.
Product: Debt collection

Portfolio Recovery Associates attempting to intimidate me to collect an alleged credit card debt I don't owe them. No validation, never had any contract with them. They have failed to provide any document with my signature that indicates any account belonging to me. They claim they've validated the debt but yet to show which methods they used, what document states I have a contract with them, nothing. They keep intimidating me with phone calls at odd hours and weekends. 
They have also reported false date of me having this debt and it has had a negative impact on me to obtain credit being extended to me.
Product: Debt collection

I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.
Product: Checking or savings account

I had Axos Bank close out one of my XXXX XXXX  and send it to another bank for deposit. It was mailed by Axos on XX/XX/year>. It has not arrived at the receiving bank. I started calling them on XXXX XXXX and asking if anyone has cashed it. They said they had to research it and would get back to me in XXXX to XXXX hours. After that time period there was no response. I repeated the process, talking to XXXX from Axos on Wed, XXXX XXXX, his only response via secure email was that the check was sent on XX/XX/XXXX. Called again on XXXX XXXX, talked to XXXX, she said that they would have to research it and she would call us back. She never called back. 
Sent them a secure message on XX/XX/XXXX. No response as of XXXX XXXX at XXXX EST. 
Called them XX/XX/XXXX at XXXX pm and spoke to XXXX and asked to speak to a XXXX. She said she could not connect me and someone would call us back in XXXX days! 
I find this totally unacceptable treatment for a bank. After all this time, we have no information other than the check has been sent! ( so they say ). 
This bank has an extremely bad system of handling this issue. I don't know how they can be this inept and lacking in service when a lot of money is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current police report on file dated XX/XX/XXXX with Chex Systems due to being a victim of identity theft. The following inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I have a current Federal Trade Commission Identity Theft Report on file with XXXX and XXXX. The following accounts and credit inquiries listed on my XXXX and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$450.00}, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, {$110.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

Navient continues to report false information about my student loans. I have repeatedly asked Navient to stop reporting fraudulent and incorrect information to the Credit Bureau 's about my student loans which they refuse to stop reporting. I have now reported this to the Dept of Ed and also filed a Fraudulent Claim also with the Dept. of Ed. I have also contacted the Consumer Protection agency regarding this Fraudulent reporting. I have also now found further evidence about their fraudulent activities regarding the handling of student loans which I am sure I also qualify for : In itslawsuitandpress release, the CFPB alleges that, among other allegations, Navient " systematically and illegally [ failed ] borrowers at every stage of repayment, '' including : created obstacles to repayment by providing bad information ; processed payments incorrectly ; failed to act when borrowers complained ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and harmed the credit of XXXX borrowers, including severely injured veterans The CFPB also alleges that Navient improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. " For years, Navient failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX in a statement. " Atevery stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today 's action seeks to hold them accountable. '' In astatement, Navient denied all allegations and said the lawsuit was politically motivated. 
I have since sent Navient another updated and notorized Dept. of Ed/Navient Fraud document mailed today. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concern about customer safety.
Product: Mortgage

On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was  negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.
Product: Checking or savings account

Respected WellsFargo officials, As per our discussion, even though you mentioned that actual money was withdrawn only on XX/XX/XXXX, As far as i can see, the transaction was initited on XXXX XXXX and money was obtained by XXXX immediately. So there is no chance that XXXX paid for my transaction and claimed it on next day. 

Thanks XXXX On XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX wrote : Snce my account address is in California which works on XXXX, I am paying wellsfargo for low daily balance. 

XXXX XXXX : Wells Fargo XXXX Name on XXXX XXXX XXXX Payment account XXXX XXXX  ... XXXX Amount {$12.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Memo ( Optional ) Fees low balance on XX/XX/XXXX XXXX characters remaining. 
Confirmation XXXX On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Following is time stamp in IST when XXXX  received the money from WellsFargo. 

Money received ( # XXXX ) XXXX  XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  This message contains blocked images.Show images orAlways show images On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : I am pasting the emails so that time stamps when money transfer was initiated are corrected. Time stamps on the main header is in XXXX. 
Time stamps in XXXX banner within the email are in Eastern time zone in XXXX. 

Completion : XXXX Investments XXXX Unsubscribe Tue, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : XXXX sent XXXX XXXX XXXX XXXX Tue XX/XX/XXXX XXXXXXXX XXXX XXXX Initiation : XXXX XXXX XXXX Unsubscribe XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : Electronic Funds Transfer Initiated XXXX XXXX Subscription Alert XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : Respected Officials, Following up on this, I received XX/XX/XXXX statement from WellsFargo, that no fees was charged for this. I don't know if debit card transaction will be settled on next day. I have'nt received any response from WellsFargo. I initiated the money transfer around XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( i.e XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

I brought in money from XXXX to bring balance back to above {$500.00} on same day in XXXX. But as per XXXX, the money transfer from XXXX completed next day. 

Thanks XXXX