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

in accordance with the Fair Credit Reporting act XX/XX/XXXXaccounts, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/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 a account without my written instructions
Product: Mortgage

I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.
Product: Checking or savings account

I am writing to file a complaint against Bank of America regarding multiple overdraft fees I have incurred. Despite having significant fines when transactions were authorized, I was charged fees due to a lack posting charges and credits. This issues at XXXX with the recent CFPB findings against Bank of America for similar practices where transactions saddled with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I disputed transactions made to my business checking account on XX/XX/XXXX, XXXX, and XXXX. Additionally, those same disputes were submitted to my personal checking account ( a separate bank ), which investigated them all and found them fraudulent. I submitted evidence to XXXX ( XXXX XXXX XXXX XXXX XXXX  issues debit cards ). Approximately XXXX fraudulent charges totaling over {$3000.00} USD from non-existent companies in XXXX, XXXX. I provided proof that these companies did not exist. My disputes were all denied with no substantive explanation. The dispute decisions were emailed and read, " Weve reviewed your dispute for XXXX XXXX XXXX  ( XXXX ) on XXXX ( date ), 2024. Unfortunately, based on the information provided, it doesnt appear that an error occurred. For this reason, we are unable to move forward with your dispute. Were sorry to not have better news for you. '' On XX/XX/year>, I requested all the documentation used to decide to deny my disputes. Initially, all of my requests were ignored. However, on XX/XX/XXXX, an employee, " XXXX, '' insisted they would prepare a dispute summary for me with all the information I requested. On XX/XX/XXXX, I followed up with my request after not receiving that information. I was assured by " XXXX '' that I would receive the information right away. On XX/XX/XXXX, I followed up with XXXX in the Risk department because I still hadn't received the information. On XX/XX/XXXX, XXXX said they would prepare the dispute summary with the requested documentation. On XX/XX/XXXX, I followed up again because I had not received anything from the risk department or the bank. On XX/XX/XXXX, XXXX responded, " XXXX XXXX, I apologize for the delay. We are still preparing a dispute summary for you regarding your claim. Once it's complete, we will follow up with you here. '' Today is the XXXX of XXXX, and I have still not received this information. 

If the bank can not provide me with the information they used to make the decision, they should provide provisional credits within ten business days of the dispute. They failed to do so and failed to provide me with any documents, correspondences, or information supporting their decision to deny each dispute ( some within hours ). I would like sufficient evidence that these disputes were investigated, as well as documentation and any other investigation-related materials that they used to make these decisions. It has been 26 days, and I've not received anything I requested. After performing some research, it appears that XXXX XXXX  consistently denies consumers ' disputes and does not provide any substantive information or evidence supporting those decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently reports inquiry XXXXXXXX card services on XX/XX/XXXX, XXXX inquiry is illegal and a violation of FCRA rules sec. 1681 : XXXX Card Services violates federal law ; reporting was unauthorized ; no credit or loan was awarded
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered ( XXXX XXXX Services Account XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. 

Equifax did not notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX  XXXX XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit card or prepaid card

I am applying to the Discover it XXXX credit card through discovercard.com. After putting in my information there is the boilerplate terms and service stuff, but the actual card member agreement is nearly unreadable. As far as I can tell, they have literally photocopied a physical piece of paper and uploaded it to the website. I do not have poor vision, but the image quality of the agreement is so poor that the text is blurred, and some words are illegible. Attached is a screenshot from the offending document which clearly shows that the card member agreement is difficult to read and the text is blurred. 

Why is the font so small? It's not like they're saving paper ( I'm on a webpage ). Also, why would they not use text in the page ( like every other part of the application ) itself rather than ( what appears to be ) an image? If consumers can not read the agreement they are signing, then they can not be fully informed of the decision they are making. This is unacceptable from a company with the technical resources of Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.
Product: Debt collection

Never received any collection notice, whether written or electronically, from Waypoint Resource Group or any other debt collection agencies regarding XXXX debt. XXXX was paid directly.
Product: Student loan

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Department of ED Amount : XXXX I am disputing this claim as the business is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Mortgage

UNITED HAS NOT PAID RE TAXES ON MY BEHALF AND KEEP EVADING ME WHEN I CALL. 
TAXES WERE DUE IN XX/XX/2023. 
I RECD A TAX SALE LETTER FROM XXXX LAST WEEK. 
I CALLED THEM THIS WEEK AND WAS TOLD TO IGNORE IT AS XXXX XXXX JUST SEND THIS LETTER TO JUST SEND IT. IT DID NOT MAKE SENSE- WHY WOULD A GOVT AGENCY SEND A LETTER TO ITS PEOPLE TELLING THEM THE PROPERTY WILL GO INTO TAX SALE JUST FOR SAKE OF IT. 
I WAS TOLD TAXES WERE PAID IN XXXX BUT WAS REFUSED TO PROVIDE A PROOF WHEN I ASKED. 
I CALLED NEXT DAY ( XXXX ) AND ANOTHER PERSON TOLD ME THE TAXES WERE JUST SENT THE DAY BEFORE ( XXXX ). FOR {$8300.00}. THE DAY BEFORE I WAS TOLD THE TAXES SENT IN XXXX WAS {$7700.00}, WHICH WAS THE ACTUAL TAX BILL. 
I AM NOT SURE WHAT THESE PEOPLE ARE DOING. I ASKED TO TALK TO SOMEONE IN ESCROW DEP AND WAS TOLD THE LADY IS NOT IN- IS THERE ONLY ONE PERSON IN THE WHOLE DEPT? HOWS THAT POSSIBLE. 
I STILL HAVE NOT HEARD BACK FROM THEM. THEY ARE TAKIN MONEY FROM MY ESCROW AND SENDING SOMEWHERE UNBENKWNST TO ME. 
I NEED HELP PLS.
Product: Checking or savings account

On behalf of XXXX XXXX Please give me the amount of overdraft fees and please return this money. Bank of America
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Michigan XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my Experian report as well as a XXXX  XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
Product: Mortgage

XXXX XXXX  sold/transferred our mortgage to Truist bank around XX/XX/2022, and NEVER notified us that this was going to happen, which is not in compliance with regulation 1026.39 ( Mortgage transfer disclosures ). Somehow, XXXX also failed to have our address correctly on file, despite servicing our mortgage for years. Our condo has a unit number ( XXXX ) attached to the address, and XXXX was lacking the unit number. Our mortgage payments were on auto-pay with XXXX prior to the transfer to Truist. 

After XXXX transferred us to Truist, our auto-pay was obviously interrupted, and we didn't notice until after we had missed a payment out of our account that anything was amiss. Truist started threatening us with foreclosure after just ONE missed payment, and Truist said it would show up on our credit report as a missed payment, which is XXXX XXXX and out of compliance with FTC rules for a 60 day grace period after transfer ( https : //consumer.ftc.gov/articles/your-rights-when-paying-your-mortgage ). 

Then, Truist made it impossible to setup our account online because the account was overdue. They made us wait until normal banking hours to call in, and wait for what felt like hours on the phone to find the right person to talk to to get the account set up. I got bounced around several departments, being told different instructions by different people and not getting anywhere. Finally we got the account set up and made the account whole ( paid the missed payment ). As a part of setup, I told the agent that our address needed to have the unit number added to the address, as Truist had the same issue as XXXX where they didn't have a unit number in the address. Totally ridiculous that the banks can't get the correct address for the property they technically own. 

Then we got another late notice in the mail from Truist after we had already caught our mortgage up to be current. In the mail, the letter was left in our general mail room because it LACKED THE UPDATED UNIT NUMBER IN OUR ADDRESS. INFURIATING. Later, in XXXX, Truist continued to mail us ( for a delinquent tax payment that they missed ) at the incorrect address, still missing the unit number.
Product: Credit reporting

I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least once, with all XXXX. 

1. Through XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
2. On XXXX in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX XXXX is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment StatusTrans Union/XXXX - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.
Product: Money transfer, virtual currency, or money service

I am writing toformally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies XXXX XXXXZelle failed to investigate my claims adequately. The advised me that recovering funds was impossible once sent and tracking these transactions isn't possible. The CFPB findings indicate that Zelle and the banks that use it XXXX XXXX has neglected to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  on XXXX to remove my fraud alert. I then received a letter from XXXX  saying my request was forwarded to TransUnion and XXXX. Surprisingly, both TransUnion and XXXX  created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX  because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shared my report without my permission on XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used my report without my permission on XX/XX/2017. Why?
Product: Debt collection

In XX/XX/XXXX, I received a CPAP machine for XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX. I was XXXX. They told me my insurance would pay for the machine for a year and then I would own it. They did not tell me they don't take XXXX. They knew I was going to XXXX XXXX for several months for ecclesiastical classes.They knew my XXXX birthday was in two months. After my XXXX birthday in XXXX, and knowing I was then in XXXX XXXX, XXXX XXXX informed me that they don't take XXXX. They demanded the machine back or payment in full. I said I would return it when I returned to my home in XXXX   but was required by my church to stay in XXXX XXXX until my classes were done. XXXX XXXX is a life threatening condition so I could not return the machine without being able to replace it ( and finding an XXXX and then replacing it temporarily in XXXX XXXX would have been very difficult and would have taken me away from my classes. ) When I returned to XXXX, I attempted to return the machine to XXXX XXXX but they had already sold the debt to Capital Credit in XXXX Oregon. I received no letters from Capital Credit. In early XXXX, a Capital Credit representative called me. I explained the situation. She said she would note this for my file and would contact XXXX XXXX. I told her I still had the machine, it was in good condition and I could return it. ( I had obtained a new XXXX machine from a supplier In XXXX that does take XXXX. ) After this phone call, I received nothing from Capital Credit ; no letters or phone calls. In late XXXX, I found a collection report from Capital Credit at XXXX and XXXX. I disputed it.. In XX/XX/XXXX, Capital Credit sent me a letter saying they were enclosing the documentation I had requested and the amount had increased by {$790.00} to {$2000.00}. I had not requested documentation, I had disputed the debt. I called Capital Credit several times and left messages but no one ever called me back. And they sent no further collection letters or calls since that one in XXXX and it is now XX/XX/XXXX. I still have the machine. It is in good condition and could be returned to XXXX XXXX. I am a minister in my church and I have no other credit collection reports at the credit agencies.
Product: Debt collection

Diversified Recovery BUREAUS continue to call me after they have failed to validate the Debt. Harrased me the first time I never answered again. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act 1947. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them .they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has clearly violated my hippa rights! 
The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}.

HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI.

Unauthorized access of PHI.

Inappropriate disposal of PHI. 
Failure to conduct risk analyses when appropriate. 
Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. 

XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

I had an account that had some fraudulent activity occurring. The institution said they would fix the issue. They did not. The account was closed by the institution months ago. I was not paying for a fraud that was occurring especially when the bank said they would handle it. I recently had a direct deposit from my employer sent to that closed account instead of my current one. The old bank now tells me they received the direct deposit, reopened the account and if there are any funds left they will send me a check. My problem lies in the fact that they did not honor fixing the issue nor try to even give me a new account and fix the initial issue. I find it deceptive for them to reopen an account they closed, accept a transaction and think I am not going to exercise my rights as a consumer because they refused to treat me as a customer in that situation. I had a direct deposit fro XXXX XXXX XXXX to deposit on XX/XX/2023. The old institution did not return the item. Unacceptable. The amount of my check was XXXX
Product: Checking or savings account

This account was closed and I want nothing to do its or affiliation .because of no access to my funds do you know how much was lost because of these XXXX and how much what this does to somdone when they have to pay things on time. I haven o access to fins means no ability to pay and Stay on my stuff lawyers court lawsuit for what they have lost. I have none of my funds. They are going to be sued. I can't do anything without my funds. In court thy see no funds equals banks fault and responsible. I want my funds immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  and XXXX XXXX
Product: Bank account or service

I am a victim of ID Theft, I had two accounts from Wells Fargo XXXX XXXX. I would appreciate a letter from Wells Fargo. I would like to find out if I am included in the law suit with Wells Fargo.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of CFPB lawsuit highlighting significant issues with this platform.My financial institution and Zelle failed to investigate my claims adequately.They informed me that covering the lost funds and tracking these transactions was unfeasible.The CBPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.