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

In accordance with the fair credit reporting act the list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things were incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a customer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates to according to USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 ) they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ) after any rein investigation under paragraph one or any information disputed by a consumer and item of the information is found to be accurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the rein investigation and ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681S two theyre supposed to not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XX/XX/2022 I applied for an XXXXXXXX XXXX XXXXXXXX and was denied an extension of my own credit.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XX/XX/XXXXXX/XX/year>25 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

Hi, I have received the results to my previous complaint. Not only has XXXX XXXX XXXX inaccurately reported my account to the credit bureaus as included in bankruptcy for the past XXXX  years, now they have changed it to collections. XXXX XXXX XXXX has responded saying that I have signed a contract for this debt. I have not received this signed contract. A lawful contract has all of the XXXX elements. 
XXXX. Full disclosure I was not told that I would be creating the credit with wet ink signature XXXX. Equal consideration ( XXXX XXXX XXXX brought nothing of value to the situation and therefore had nothing to lose ) XXXX. Lawful terms and conditions XXXX. Wet ink signature of both parties. 

at this time, I am requesting validation of original debt. Please send me a signed contract with all XXXX elements mentioned above. I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. 
I am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g I demand a full file disclosure in pursuant to 15 U.S. Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. 

I have reason to believe and do so believe, without all requested documents herein there can be no proof of claim by Consumer Portfolio Services and Consumer Portfolio Services would be liable for creating a false and deceptive form under 15 U.S. Code 1692j
Product: Credit reporting or other personal consumer reports

Experian has failed to remove fraudulent accounts from my credit report despite my FTC Identity Theft Report and supporting documents submitted on XX/XX/year> ( CFPB Dispute No. XXXX ). Under FCRA 1681c-2 ( a ), Experian was required to block these accounts within 4 business days, yet they remain. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Florida consumer protection laws, including Florida Statutes 501.2077. Experian is engaging in willful non-compliance and failing to fulfill its legal duty to maintain accurate consumer reports ( FCRA 1681e ( b ) ). Immediate enforcement action is required.
Product: Mortgage

Our mortgage payment includes an additional amount that goes into an impound/escrow account to pay for our home owner 's insurance and taxes. Our insurance company sent the request for payment for our home owner 's insurance payment in XXXX and it was due on XX/XX/XXXX. The mortgage company has not paid it. We received a notification from our insurance company that they were going to cancel our insurance if the payment was not processed by XX/XX/XXXX. It takes a day for it to process, so the insurance company needs the payment by XX/XX/XXXX in order for it to remain in effect, otherwise it will be cancelled and need to be reinstated which will take longer. We have contacted the mortgage insurance company XXXX times in the past week. The first time, they said they would request an expedited payment which would be overnighted to our insurance company. That was on XX/XX/XXXX. This morning, XX/XX/XXXX, they said that the payment was overnighted yesterday. This afternoon they said that there is something preventing them from making any payments on our account. 

On top of that, two months ago they started charging an additional fee and there is no explanation for this fee. I thought it was a one time thing and it is on this statement as well. Apparently I have make another phone call to a different department to discuss that fee. 

We are in the process of refinancing our home, which has already taken considerably longer than usual and now this is causing additional delays not to mention that our homeowner 's policy is pending cancelled and if the payment is not received by tomorrow, it will be cancelled.
Product: Credit card or prepaid card

I received a call from ( XXXX ) XXXX advising that there is a lawsuit pending for me from HSBC/XXXX  XXXX and I have not heard anything about this. They weren't able to provide any additional information. Is it not on my credit report and this is the FIRST time I'm hearing of this. I bank with XXXX XXXX and have two credit cards and no issues. 

I asked the lady to stop calling my job and they said they would continue to do so.
Product: Checking or savings account

I have an available balance in my checking account of apprx {$3400.00} .The account is blocked and I am unable to use it. I want the account closed and a check sent for my balance
Product: Student loan

I have XXXX loans that are being serviced by AES. Due to the ridiculous 12 month limit for forbearance, I no longer have any forbearance as that was used when I went on maternity leave with each of my XXXX children. I have been unemployed for over a year and have done my best to keep up with the payments. I am a point where I can only pay for XXXX of the loans. I thought I was making the payment for XXXX loan, but as it turns out, AES was applying the payment I was submitting to both of the loans. Obviously, the amount was not enough to cover both loans. All this time I thought I was keeping up with at least XXXX loan, but just found out that my payment was being dispersed to both loans. Now I am delinquent on both loans. The loan I was trying to keep up with has a co-signer that I did not want to ruin their credit due my unemployment. I called AES and explained my situation but they refused to adjust the payments to the XXXX loan I was trying to keep current. By looking at the payments I have made, it is obviously to anyone looking at the amounts due on each of the loan that the payment amount matches XXXX of the loans ... .the XXXX I intended to pay. As a result of this obvious mistake I now have XXXX delinquent loans instead of XXXX AES refused to do anything to remedy this situation. 
This is the reason student hate private lenders. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are dealing with AES ... be sure to specify your payments otherwise they will distribute your payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private lenders.
Product: Debt collection

The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX   XXXX, XXXX  ( XXXX XXXX XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ) ).
Product: Credit card

I am writing to express my extreme dissatisfaction with the manner in which Wells Fargo has handled my privacy and payment preferences. On numerous occasions, I have attempted to contact your institution regarding the forceful removal of non-Wells Fargo bank account payment methods from my profile without my consent. 

As a customer, I value my privacy and expect that any changes made to my account are done with my explicit approval. However, it seems that Wells Fargo has disregarded this principle by repeatedly removing my non-Wells Fargo account details and prompting me to enter alternative payment methods, despite having already added them to my profile.

This incessant inconvenience not only disrupts my banking experience but also raises concerns about the security and integrity of my personal information within Wells Fargos systems. Additionally, the lack of responsiveness from your customer service team exacerbates the frustration and dissatisfaction I feel as a loyal customer. 

I urge Wells Fargo to address this issue promptly by implementing measures to respect customer privacy preferences and ensuring that changes to account settings are made transparently and with proper authorization. Furthermore, I expect a timely and satisfactory resolution to this matter, along with assurances that similar incidents will not occur in the future. 

Failure to address these concerns adequately will compel me to explore alternative banking options that prioritize customer privacy and satisfaction. I trust that Wells Fargo values its customers and will take swift action to rectify this situation. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to an inaccurate Account on my Consumer report. It has been well over 60 days and I haven't received any investigation results.
Product: Checking or savings account

Citibank is leaving online account users and accounts vulnerable by now allowing you to access account just by pressing the application button, revealing balance information and requesting password only after you attempt to check history or unlock card .... 

If someone is able to bypass my phone password or finds my phone un locked they will have the foundations on my finacial information. They will visibly see I have an active account, my current balance, and if my card is locked or open. Not sure if this application is now set to recognize IP ADDRESSES of the phone most commonly used or somewhere IT CONNECTION but it is a financial vulnerability nomatter if it recognizes the phone user. 

I thought the issue would correct itself being that they always have application issues but it's been over 2 weeks now so it shows me that this if not already problem for clients and a open door for scammers to take advantage of our information and finances it will inevitably become a breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are using Color of Law to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Product: Checking or savings account

I funded my savings accounts on three separate occasions to my Ally bank account The first was on XX/XX/XXXX in the amount of {$60.00} The second one was on XX/XX/XXXX in the amount of {$110.00} the third was on XX/XX/XXXX in the amount of {$50.00} Once the funds were received, I allocated them to my savings buckets within my Ally Savings account. The money was available until I started to receive a message that read something to the effect of buckets unavailable, please try again later. 

I then called Ally on XXXX and spent a good amount of time on the phone with their rep who was not very helpful and requested screenshots of the transactions, which I sent over and they said it would be escalated. I called the bank again on XXXX and was told that there was nothing they could tell me other than a tech team was working on it. It is now XX/XX/XXXX and I have had no word back from the bank and I am still out {$220.00}. I have transaction logs of the money being deposited and allocated to my savings buckets. I have researched and it seems that other people have been having the same issue, so who have been waiting 5 months and still no response.
Product: Mortgage

My father died seven months ago, and as his only heir I became the successor in interest to his home. The home had a mortgage of less than {$30000.00} at the time, and I immediately notified PNC Bank, the lien holder, and sought to be declared the successor in interest so I could pay off the mortgage and sell the home. After his death, the Title Company executed an Affidavit of Heirship, and I provided a successor in interest form to PNC Bank on at least three occasions. 

The home sold more than 20 days ago, and the proceeds are being held by the Title Company pending distribution on receiving a payoff amount. I have since contacted every single division of PNC, the Senior Counsel, and a random loan officer I found through a mutual acquaintance. Each has responded similarly to this statement : This inquiry will be forwarded to the appropriate parties at PNC. I am not the correct party to receive this request, and have no knowledge of the underlying legal concern XXXX XXXX XXXX Senior Counsel PNC Bank , National Association XXXX XXXX XXXX, XXXX XXXX Locator : XXXX XXXX XXXX, IL XXXX XXXX Phone XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, contacted the Experian Technical Dept. for assistance in performing a Soft Pull of my Credit Report. As a company policy XXXX does not perform Hard Inquiry and this point was expressed to Experian, however, in providing instruction to XXXX, Experian gave instruction for a Hard Inquiry. Therefore, XXXX placed a Hard Inquiry on my Experian credit report in error and then when the error was brought to their attention by me they contacted Experian for instruction to suppress ( remove ) the Hard Inquiry. They sent a letter a redacted copy of which I have attached with instruction to suppress the Hard Inquiry to the email address given to them by Experian Tech Dept. Said Experian department received the correspondence as indicated below ; From : Profile Maintenance Dept XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Subject : Delivery Receipt We received your request. Please allow 3 business days for sorting. If we are unable to process your request for any reason, a notification reply will be sent. Confirmation of completion will not be sent. Remember to always follow an encryption procedure when submitting sensitive information. Please contact Profile Maintenance at XXXX for any questions. 



Profile Maintenance Department Yet despite this written request to suppress the Hard Inquiry on my Credit Report, Experian in direct violation of the Fair Credit Reporting Act, has not yet suppressed or otherwise removed the unauthorized Hard Inquiry from my credit report. 

FAIR CREDIT ACT Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected within XXXX business days of the Consumer Reporting Agency being made aware of the reporting violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a fraudulent account opened in my name on XX/XX/2021. I immediately contacted the company ( Moneylion ) that the account was opened with, who advised me they would open an investigation into the matter. They advised me to follow-up with XXXX  as well so they could begin an investigation as well, which I did. I didn't receive any other communication from Moneylion, or advisement of the outcome of XXXX  's investigation. When I checked my credit report, I found that the account had been 'charged off ' which I thought meant it was taken care of. My credit score took a huge dive, but I thought it was because I had charged up my credit cards during my home renovations. Come to find out, Moneylion had been sending all correspondence regarding my claim to the person who had opened the account. I never received further communication from their company, nor did I know that this small load had gone into collections. Once I realized what was happening I called Moneylion immediately to work on getting the matter resolved. Communication with them was ridiculous as apparently their fraud department doesn't have phones. I have sent letters to all credit agencies explaining the situation in hopes to get this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I have concerns about the lawsuit of Zelle handling disputes of recent CFPB. I use Zelle multiple times Im concerned that some of my Zelle send by mistake I wouldnt be able to recover my funds back. Zelle has not only neglected to my needs but allowed other people to stay with money that was send by accident.
Product: Credit reporting or other personal consumer reports

I disputed my first premier account due to late payments during XXXX reporting inaccurately and the credit bureau continuously reporting the closed account with an active payment history. In addition I requested a XXXX form from the company and the sent a correspondence stating they did not charge off the debt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I wrote a letter to Midland Credit Management to stop calling me and harassing me and they continue doing this.
Product: Debt collection

CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft report # XXXX
Product: Credit reporting or other personal consumer reports

cant dispute inaccurate information on my credit file online. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a proper investigation under these hard inquiries I did not give any permissible purpose for I would like to have a proper investigation showing written in writing my signature or authorization to run my credit. In accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX