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

My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds 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. 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 the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Required the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

I have MIDLAND CREDIT MANAGEMENT on my credit report that is false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. This inaccurate debt i do believe was on or around year 2022. This inaccurate report is illegal i never even had a debt with MIDLAND thats a third party company which seems like to me they bough the debt so its now paid. They seem to be coming after me to pay them when im under no legal contract with them what so ever. It needs to be resolved immediately or i will be forced to take legal action against this company and the credit bureau company.
Product: Mortgage

Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.
Product: Checking or savings account

ON WEDNESDAY, XX/XX/2024, BANK OF AMERICA OUTAGE ISSUES.

I HAD NO ACCESS TO MY VARIOUS CHECKING ACCOUNTS. 
I WAS UNABLE TO SPEAK WITH A BANK OF AMERICA REPRESENTATIVE. 
CALL WAS HUNG UP. 
I HAD NO ACCESS TO BANK OF AMERICA.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX self XXXX. XXXX  The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

For approximately three years, I have submitted required information to XXXX XXXX for a loan modification from XXXX XXXX and the company has denied my request. In response to instructions from XXXX XXXX, I paid for a Broker Price Opinion and the Broker Price Opinion 's was higher than what XXXX XXXX initially said. XXXX XXXX still has the lower valuation noted on my account and again, denied my loan modification. 


Therefore my complaints against XXXX XXXX are the fee I paid for the Broker Price Opinion, failure to review my loss mitigation options within 30 days and the misrepresentation of my property valuation, my payment history and the pay-off amount.
Product: Checking or savings account

I have a Health Savings Account ( HSA ) with XXXX, a product provided by Conduent Inc. I have had this account since XXXX. I have had it linked to my checking account for deposits and withdrawals just as long, for at least 13 years. 

Recently I requested a transfer from my HSA to my bank account on file ( this was on XX/XX/XXXX ). Typically this will process in about 5 business days. 

ON XX/XX/XXXX ( 11 business days later ) this still showed " processing '' but they had not released my funds. I sent a message asking why and received the automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called the number, held for 40 minutes, then the line went dead. I sent another message asking for a call and received the same automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called again the next day and again, 45 minutes on hold, no answer. I sent another message - again the same exact response to call. 

It is impossible to submit a reply to any of these automated responses- the system acts as though it allows it however it does not allow any submission as a response. 

Finally, I was able to connect with a live representative. After verifying more information that I need to provide for anything else including : Name, Address, Date of Birth, Social Security Number, Account Number, Security code answer, destination bank account, exact dollar amount of request they refused to process and email and phone number - finally the person told me the funds were held because of potential " suspicious activity. '' The activity in question was a reimbursement as I process each and every year, requested by me on my online access to the same bank account that has been on file for over a decade. Rather than contacting me to affirm this was a legitimate request- they refused to do so. They refused to contact me on the phone when requested 3 separate times. They do not answer the phone ( or at least it takes extreme luck to get to a live operator ). It was clear to me they are incapable of allowing the customers who have funds in accounts with them to access their funds.

This is unacceptable. They charge a monthly fee. They pay XXXX interest ( or in all honesty, 0.04 % ) when a savings account pays 4 %. They are clearly making money on the float, and the refusal to allow customers to access their money or providing any clear manner for them to address such an issue is inexcusable.
Product: Checking or savings account

XX/XX/XXXX I received a letter from wells fargo stating I was eligible for compensation. I called right away to find out about it, was told the amount and that it should take XXXX days to get the check. XX/XX/XXXX I called and was told it was in process. XX/XX/XXXX I called and told it was in process. XXXX I called a different number and was again told it was in process.
Product: Credit reporting or other personal consumer reports

The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

I have written them to remove this inaccurate account and they have not.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 head u been calling and sending mail to XXXX XXXX they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and XXXX XXXX refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit card accounts on my credit report that were not mine. The two accounts were opened in 2017. My info was breach by equifax. I have filed several disputes, just to get told they would not be removed. I was told disputing would not hurt my score. Right after dispute my credit dropped 56 points. No changes from previous score except I filed a dispute. I have called creditors and told I could pay to have it deleted if I paid 90 % of the balance. I was told it was better to pay because Id wind up paying more in interest for things like buying a car etc. I was told and it is stated by each bureau that a dispute does not hurt your score. Why did my score instantly drop 56 points. You call reporting bureaus they tell you a credit repair agency can help. They cost 10 times more than the accounts that are not yours. They ask for paperwork ... I dont have paperwork ... I didnt open the accounts. I went to file police report ... couldnt prove it was a crime. What the XXXX! They put things on your credit report so you are convinced to pay for a deletion or pay for the credit repair services that adds up to more than the accounts on report. This is bull XXXX. Im having and forced to pay extremely high interest rates, refused loans to take care of emergencies. Insane credit card interest rates just to build positive credit. The two accounts in collections are not mine!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing this complaint about Beyond Finance, a debt management company with whom I entered an agreement with in XX/XX/XXXX. This company proclaimed to serve as a mediator with my creditors and guaranteed me they would settle my debt without it going to collection so that I only had to pay one low monthly payment of {$460.00}. The asked me to sign a contract and told me to STOP paying my creditors and STOP taking my creditor 's phone calls. I expressed concern about not communicating with my creditors and the representative explained that I should refer the calls to Beyond Finance.

I followed their guidance and stopped making payments on the accounts that were part of the settlement agreement and I even wrote a letter to the creditors giving authorization for Beyond Finance to communicate on my behalf. Beyond Finance contacted me around XX/XX/XXXX and informed me that one of the creditors, XXXX XXXX, agreed to the settlement and that payments to XXXX XXXX would begin in XX/XX/XXXX. I felt relieved that XXXX XXXX and Beyond Finance reached a settlement agreement on my behalf. Unfortunately on XX/XX/XXXX I received an alert on my credit report that XXXX XXXX " charged off '' my balance. I disputed this verbiage because Beyond Finance representatives assured me that all settled accounts would show " settled '' balance. The dispute was overturned and the language remained. 

On XX/XX/XXXX I brought this to the attention of Beyond Finance in an email. They left me a voicemail to call them. When I finally called on XX/XX/XXXX, I told the representative that Beyond Finance misrepresented their services and that I wanted to cancel my contract. I also told them to refund my payments. 

I feel like I have been defrauded by Beyond Finance. I am furious that I wasted money and time when I could have worked out other payment arrangements with my creditors on my own.. So far they collected payments for XXXX, XXXX and XXXX and they did not deliver on their promise. Please investigate this company. 

Thank you, I look forward to hearing from you soon.
Product: Bank account or service

PNC had an account opening bonus for a checking account. I completed all the requirements for the bonus but the bonus was never paid. This is a UDAP violation. When contacted about the bonus, PNC refused to honor the bonus as stated in the advertisement and even failed to meet their own timeframe for responding to customer service requests.
Product: Vehicle loan or lease

Account paid off XXXX. XXXX not sent out til XX/XX/XXXX after numerous calls requesting title. XX/XX/XXXX loan payment of {$280.00} taken from bank account after account already paid an closed. Bank statement sent to company for verification that payment was taken out. Keep being told Managers have to verify and Ill receive a call back, havent received any responses.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute request to All 3 consumer reporting agencies regarding an account listed on my credit profile. XXXX XXXX XXXX XXXX I received a notification from Experian stating that the account has been verified and updated. However after contacting XXXX they have stated in writing that they will be placing the referenced account into a restrictive status and they will not be attempting to collect anything from me. Now because their is nor evidence of indebtedness with XXXX XXXX XXXX the consumer reporting agencies have no business still reporting this unverified inaccurate information on my consumer report. I have included evidence that I have filed the proper complaints against the parties involved and that I am awaiting a quick response to my request to remove this information from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$4600.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$1900.00} XXXXXXXX XXXX XX/XX/XXXX {$7100.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX