23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/18 I transferred {$250.00} from a USAA mutual fund account to a USAA checking account. Per the written terms published on their website and information on the screen during the transaction, the funds should be available same-day as they have been in the past and in compliance with The Expedited Funds Availability Act ( EFAA ).

The terms of their depository agreement state : When Available Type of Deposit Same business day as the day of deposit. 
Funds received electronically through an ACH credit Transfers from other XXXX accounts you own ( Copied and pasted. Transfers from other XXXX accounts I own, same day ). 

Immediately after completing the transaction, a message came up saying there was a 2 day hold on the funds, no warning before. I complained to USAA and said the written terms said the funds will be available same day and XXXX says there should at most be a 1 day hold because this is a USAA to USAA transfer and meets none of the " exceptions '' for longer holds. 

The USAA rep said they had a " new policy '' beginning XX/XX/2018, and apparently had not updated their online terms yet. - Beginning XX/XX/XXXX, when members move money from USAA mutual funds ( USAA Funds ) or USAA Life annuities to a USAA Federal Savings Bank ( USAA Bank ) checking or savings account, the money will no longer be available immediately. A one to two-day delay in funds availability will apply to future, recurring and on-demand transfers. They should absolutely have to adhere to the written terms online because they stated in writing the funds would be available same day, and a 2 day hold to a low-risk usaa to usaa transfer is in violation of EFAA because this transaction meets no exceptions for longer hold time. 

I had moved this money to cover a bill. On XX/XX/18 even though USAA had the funds, because of the 2 day hold the funds were not available and they rejected the bill payment for NSF including a {$29.00} fee to USAA, {$27.00} NSF fee with the merchant and {$35.00} late fee with the merchant for a total of {$91.00} fees due to this hold.
Product: Credit reporting

TransUnion had a computer breach in their system that violated the rights of their consumers under section 6.11. I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted. However the very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of TransUnion and they all acknowledge that the security breach happened multiple times in XX/XX/2016 but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have a BlueBird American Express prepaid card. My direct deposit goes into it. I went to check my balance on XX/XX/XXXX, it would not let me log on. So I hit " forgot password. '' Then they've installed something to where the same message comes up over & over & over saying " due to 10 minutes of inactivity, log in again. '' Then you'll get to same point & again " due to inactivity ... '' Then I called XX/XX/XXXX at XXXX XXXX. & waited on hold for 1 hour & 7 minutes & was told I had to talk to fraud Dept. I asked why? They can't tell me. But fraud was closed so I had to call next day, XX/XX/XXXX. Was on hold for 2 hours & 5 minutes & hung up. Not only did they put my card in fraud Dept. without my knowledge, they refuse to talk to me. I can't log in my acct. & Fraud will not talk. I'm a XXXX XXXX  & I'm not taking my son to  XXXX this weekend like I promised him, because Bluebird has froze my acct & won't tell me anything. This is theft. I need my money from them or at least someone to talk to. I checked online in chat rooms. Thousands of people have same problem with Bluebird.
Product: Mortgage

My mortgage loan was sold from XXXX XXXX XXXX to PennyMac in XXXX of 2016. I had at that time been approved for a mortgage modification trial payment. In XXXX, when my first trial payment was due i called in to make that payment. The phone rep asked me my checking account number for the payment. I told them i would like to pay with a debit card, my reasoning behind using that form of payment was that i am on a fixed income and i only get paid once a month so i had to wait till the end of the month for the payment ( within the 30 days required of course ) and i wanted to make sure that payment was made instantly in the event the checking account took to long as i was making sure other payments did n't go through first. This would have put me in a place where my trial payments were not late. 
The rep would not accept the debit card as payment so i was only left with XXXX option of paying through my checking account. The second month came around and i made the payment through my checking account, and the payment bounced as i was n't able to make a more immediate payment with my debit card putting my loan payment through as a priority. 
When i went to make my final payment in XXXX i was told i was kicked off the modification trial agreement. I stated at that time if there were any funds missing i would be able to ensure those payments were complete and they would not discuss this with me. Where i do realize the terms of a modification trial payment is to make the payments on time, i feel as though i was almost set up to fail by denying me an alternate form of payment. I was told " no banks take payments through debit accounts '' which is an absolutely XXXX statement as ALL the accounts i have had accepted those types of payments.
Product: Checking or savings account

Despite submitting a travel notification before my trip ( XX/XX/XXXX - XX/XX/XXXX ) and being a frequent travler to XXXX, who has also used atm in said country, us bank put a block on my card. Now I have no access to any of my money.
Product: Credit reporting or other personal consumer reports

I received a letter from LoanDepot dated XX/XX/XXXX stating that a data breach had incurred involving my confidential credit information including DOB, Social Security number and other highly sensitive information. I have NEVER EVER conducted or had any reason to conduct business with LoanDepot and did not understand why or how they obtained confidential information to be breached by some flaw in their systems. I responded to the letter on XX/XX/XXXX to LoanDepot 's CEO of record listed on the internet inquiring why I had gotten the data breach communication since I had never had any instance to engage with them. On XX/XX/XXXX, I received a response from LoanDepot stating that I could request to delete information that they had illegally and spuriously obtained without my consent or permission. They advised in this communication dated XX/XX/XXXX that I could call a number ( XXXX ) but it was not a working number. Inasmuch as I am not financing or purchasing any home ( my home is paid off ), I do not follow their dialogue in this communication that " LoanDepot is a national mortgage lending company '' or that it " helps customers purchase and finance homes ". It is my stance that any information that LoanDepot obtained was under false and illegal methodology and should be subject to scrutiny by your Bureau on my behalf and likely thousands of other unsuspecting consumers that have their confidential information breached without even providing it to LoanDepot. I also sent them an e mail that was rejected as an " error '' by their system. On XX/XX/XXXX I again sent correspondence to the current XXXX and XXXX, XXXX XXXX asking again to delete my confidential information from their data files and to provide the source of the party or parties who allegedly provided this information. To date, I have received no response.
Product: Checking or savings account

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/24 {$25.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}
Product: Debt collection

This letter serves as a formal demand that XXXXXXXX XXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all contact with me regarding this matter. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, damaging my creditworthiness. This is a willful violation of federal law, and I intend to take legal action. 

Intent to Sue If XXXX XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will have no choice but to proceed with a lawsuit against you for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney Generals Office. Additionally, I will pursue legal action in small claims court or federal court for statutory damages, attorney fees, and punitive damages for your violations. 

Please provide written confirmation that you have received this request and that you will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you choose not to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XXXX XXXX, 2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

XX/XX/2021 I was served with a lawsuit filed by SECOND ROUND SUB LLC. 
I was blindedsided, first I had never heard of second round sub LLC or their allegations. 

I was sent nothing from Second round sub LLC or the law firm they are using to bypass the laws regarding debt collector lisensing. 

Nothing was sent to me prior to the lawsuit papers. 
Nothing sent by second round sub LLC or their hired law firm XXXX XXXX XXXX. 

I confirmed SECOND ROUND SUB LLC, IS NOT LISENSED TO collect or obtain a debt for collection on a Arkansas resident. 

I have found mixed interpretations on this Arkansas law, it looks like there is a grey area, these type third party debt collection agencies are abusing that grey area to file lawsuits on thousands of unexpecting Arkansas residents. 

Most of these civil cases end in a default judgement and the debt buyer then legally robs the individual for whatever amount they have made up and stuck in a baseless lawsuit. 

It's awful! it's criminal and must get regulated. Something has to be done. Look at the Arkansas civil court dockets. It's overwhelming packed with lawsuits as I just described. 

Consumers need to understand just because a third party debt collector says something in a lawsuit DOES NOT MAKE IT FACT. Not by a long shot. 

In my case, I absolutely deny what they are aledging, I know there is no factual evidence, because the allegations never happened. 

This has to stop. 

When a company is using a law firm to come after unexpecting individuals, they are using the courts as a weapon and it's threatening and can be very intimidating to a individual. 

Third party " junk debt buyers '' entire business model is based on default judgements! 
Where is the justice in this! It's twisted into legal robbery! 

Throwing hundreds of thousands of individuals and their families into bankruptcy, homelessness, a wide variety of negative impacts by this " grey area " and these business models set up to abuse it. 

I am filing a complaint on second round sub LLC with you and the with the Arkansas debt collector lisensing agency.
Product: Credit reporting or other personal consumer reports

I am reporting the repeated reinsertion of the following fraudulent accounts that I have previously disputed and had deleted from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I initially disputed these accounts several times, and they were successfully deleted on my XX/XX/year> credit report. However, despite their deletion, these same accounts have now reappeared on my XX/XX/year> report. This cycle of deletion followed by improper reinsertion demonstrates a clear disregard for the accuracy of consumer reporting and violates the Fair Credit Reporting Act. Under 15 USC 1681i ( a ) ( 5 ) ( B ), any previously deleted information can not be reinserted unless the furnisher of the information certifies its accuracy, and I am provided written notice of the reinsertion within 5 business days. I received no such notification, which is a breach of your legal obligations and my rights under the FCRA. Furthermore, the failure to properly investigate and prevent reinsertion demonstrates noncompliance under 15 USC 1681e ( b ), which mandates accurate reporting procedures. Your actions, or lack thereof, expose you to liability under 15 USC 1681n, allowing for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. I demand the PERMANENT REMOVAL of these fraudulent accounts from my credit file to prevent further harm to my financial reputation. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions.
Product: Vehicle loan or lease

In 2021 Ford advertised the XXXX  XXXX. Paid reservations had to be made in order for customers to purchase vehicle. 
I have waited now almost 2 years. Now that my reservation has become available for ordering, F

ord is delaying the ordering. There has been a request for dealership change but yet Ford will not change the dealership but has advised, " do not order vehicle until dealership is changed! '' There has been multiple attempts to communicate with Ford and have this issue rectified but still nothing.

I am excited to order and receive vehicle but this level of customer service is concerning!

It seems Ford used customers then have left them high and dry.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires wasn't authorized by me 1.XXXX XXXX XXXXXXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXXXXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with their platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX XXXX ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that 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 is a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/year>. Bank of America made an offset payment of {$3900.00} from my checking account to settle a debt payment on a revolving credit card. Based on the Code of Federal Regulations section 1026.12 letter d section 1 " A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

3 overdraft fees have been accessed on the account. The fees are incorrect and predatory in nature. I want a refund.
Product: Debt collection

This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT between me and NCA. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate. I also filed complaint with Federal Trade Commission Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Applied for COVID relief on Barkleys XXXX XXXX   website and it did it said I dont need to do nothing else. I guess somehow it didnt take it and now there saying Im 30 plus days late and dropped my score a lot. I called and they fixed it for the month of XXXX. I payed the account off for XXXX. Then XXXX they report again 30 plus days late and my score dropped again so they dont have it right over they because the original late month was may not XXXX and there giving me a hard time to fix it Ive been with them since 2012 with never a late payment with them or any account my entire life. They fixed it originally and messed it up again I dont now whats the confusion with this and why I cant get it fixed for COVID reasons. I never missed a payment in my life and its on them that something went wrong on there side or I wouldve just made the payment originally.
Product: Debt collection

Direct TV has tried to collect a paid bill for over 6 years. The last XXXX statements were dated XX/XX/2009 stating I owed {$440.00}. The invoice was paid and next statement dated XX/XX/XXXX shows the bill has been paid and the balance is {$0.00}. But yet XXXX XXXX has continued to turn the " collection '' over to many collectors.
Product: Credit reporting or other personal consumer reports

My rights as a consumer have been violated according to The Privacy Act of 1974. The items reported on my consumer report are in violation and have caused a hinderance to my consumer report, causing me to not obtain credit. In 5 USC 552 ( a ) it states : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

There is no reason that these accounts are reporting when I the Consumer, never gave ANY written permission to furnish ANY information. This must be removed immediately! Also, I chose to opt out of all authorizations that I had previously given each company. Never have I received a privacy notice from the company before furnishing data. I am now requesting that all data be removed that pertains to each company. 

12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 12 CFR 1016.4 Initial privacy notice to consumers required. 
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. 
If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.