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

Our account was fraudulently hacked, leveraging our XXXX information. They were able to gather enough personal information to then open a checking account through Barclays, Delaware. This was all fraudulent activity, but is still being reflected as an inquiry on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Name : Tennessee Department of Human Services CS Account name XXXX XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is my second complaint against this debt collector. First Complaint number XXXX. For the past three weeks, I have been called by a process server who states that his name is XXXX XXXX, with XXXX XXXX XXXX. He continues to threaten with legal papers for a debt that is supposedly 19 years old. I have spoken with XXXX XXXX XXXX XXXX  on a number of times about this debt. I do not owe it. Secondly, both the statute of limitation has passed. This is not the truth. They are claiming that I last made a payment in XXXX, thus the debt is still good to file a lawsuit with. I confirm that this debt when into collection in XXXX because I was forced to move out of the house. 

I requested their mailing address, but they refused to give me that. I have asked for paperwork on this transaction. But they refused to give me anything. I have voluntarily given them my home address. Yet, they will not give me anything on the debt. 

Finally, I told that to send me a settle agreement with their address and I would reply. This was the only way that I could get them to give me their address. Attached is the document that was emailed to me to XXXX. 

These people are totally unethical. They continue to threaten me with a sue if I do not comply. XXXX XXXX continues to leave messages stating that I have been notified and I will be served. 

Now, I confirmed that this debt was associate with a home in XXXX GA. It was a brand-new home. The government file an eminent domain on this property. The house was only 2 years old. I purchased in a new subdivision. The government paid off all debt on this house and I do not owe anything. You can XXXX the street of XXXX XXXX XXXX XXXX in XXXX. The causeway is call XXXX XXXX XXXX. As you can see, the government put in a brand-new causeway that removed my house and my neighbors homes. I want this stopped. Please investigate this collection company. 

I received settlement paper work from XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX
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 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 funs 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My name is XXXX XXXX and I was a customer with Navy Federal XXXX  for bout a year and a half. I would have to overdraft sometimes but the fees were awful. When I called and asked about the fees, they would say you have 30 days .Once my check hit I would have to pay the money but any extra overdraft charges.
Product: Mortgage

This is a continuation of the previous complaint. Although I have been paying my homeowners insurance to M & T Bank each and every month without having the homeowners insurance in place due to M & T 's neglegence and not informing me that I did not have any insurance since XXXX of 2022. I have requested those funds to be returned to me and they state that they had to pay taxes with it even though they increased my morgage payment for 2022 to cover the increase in taxes in my area. They are refusing to return the money I have been paying each month for 8 months and not having insurance.
Product: Mortgage

On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.
Product: Vehicle loan or lease

The account was charged off and I never received a 1099-C form. The account balance is still increasing with late fees and the balance is still showing on my credit report even though its been charged off.
Product: Debt collection

In XXXX was notified of a debt collection from XXXXXXXX XXXX  in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by XXXX and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXXXX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through Transunion XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX  XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX XXXXXXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had been using PayPal for awhile for my small business. One day they limited my account without warning or explanation. Not only could I not access my funds, but I could not even refund my customers who hade made partial payments towards their purchases. When I contacted PayPal, they claimed I had multiple accounts. I realized after some investigation that I had started one years ago for the sole purpose of making an online purchase. I immediately contacted PayPal again and was then given a completely different reason for closing my account. They claimed I had too many disputes, all 3 of them out of 100 's of transactions, which were resolved without issue. The problem here is that PayPal does not make it known that customers should contact sellers regarding issues. Therefor every buyer automatically opens a dispute regardless. I have top seller ratings on every site, yet banned from PayPal. During my 3rd contact with PayPal, they informed me it was my merchandise that got me banned ( designer fashion bags & accessories ). They claimed there was too much potential for fraud. They also claimed there was another account under my name. I asked if it was also using my social security number, and was told no, " There could be 10 other people with your name '' they said. This made irate! I am in many XXXX buy/sell groups with thousands of members and PayPal is the only allowed form of payment. These folks have no trouble selling their designer merchandise! Obviously, my small business took a massive hit. I finally had to shut down because PayPal refused to release my money ( {$2000.00} ) for 6 months. They literally put me out of business. On top of everything, I lost the ability to use XXXX because they only accept PayPal. I can no longer use my shopping rebate apps, I can no longer work my independent contractor jobs for extra money because they only pay via PayPal. I can't shop many places online because they only accept PayPal. How can this one company take so much away from me in so many aspects of my life? It can not be right. I still haven't recovered from the damage they did my finances and the worst part ... .I still don't know why! I do know I did nothing wrong. Unfortunately PayPal is the ONLY option and this doesn't seem like it should be legal. I really need help!
Product: Money transfer, virtual currency, or money service

I have been using Blockchain.com for over 6 years, never encountered an issue until now. 

They are actively marking my tickets as solved on their site, when it's really not solved. They are holding over XXXX of my funds, for absolutely no reason since the XXXX of XXXX I have submitted dozens of support tickets, which they are actively marking as solved when no resolution was provided, many people online experiencing similar issues with blockchain.com recently XXXX XXXX XXXX/blockchain.com Their trust pilot page is horrific, i am from the XXXX but I'm hoping you can help me. 

I sold some bitcoin for XXXX GBP, they allowed me to sell for XXXX XXXX which they have done for 6 years, they allowed me to initiate the withdrawal to my bank account but XXXX weeks later no funds still. 

Countless support tickets and attempts to contact to no avail, the total amount is over XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVED A RESPONSE FROM THE COMPANY TO WHICH THEY STATED THEY UPDATED MR. XXXX FILE THAT IS NOT MY NAME. WHO IS MR. XXXX? 

THIS APPEARS TO BE A FORM LETTER AND AN EMPLOYEE DID NOT REVIEW IT PRIOR TO PRESSING SEND, AS IT HAS MY NAME, MR. XXXX NAME, AND A DATE OF XX/XX/year>2024 ON IT.
Product: Debt collection

XXXX is reporting false and misrepresenting a loan they 're servicing that was transferred from Bank of America Home Loan servicing. 

On XXXX XXXX, XXXX, Bank of America responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

XXXX Mortgage information should reflect the same data as Bank of America 's to start. 

There has been no activity on the account since the transfer to XXXX ( ie no payments, no agreements ).
Product: Money transfer, virtual currency, or money service

When sending money through Zelle when it first started to generate in 2017. They did not give the correct warnings about if something goes wrong such as sending it to a wrong person and can not get your money back.
Product: Credit reporting or other personal consumer reports

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Mortgage

XXXX  -  Contacted  Bank  Of America to  inform them that i was selling my condo and to not pay my flood insurance early, policy effective is   XXXX   through  X/30 . When closing date was set, I contacted BOA on   XXXX     to confirm that they would not be paying for a policy that was not due for over a month. They told me they had already mailed the check and that i would have to get the refund on my own. They have constantly been making mistakes while I held a mortgage with them that has cost me hundreds of hours of my time. 4 weeks later I am still trying to get my refund for a policy that would n't even be in effect for another week. In addition, as soon as my mortgage was closed -  XXXX , all of my mortgage documentation was removed from the website. This included year end tax statements that are required to file taxes. How are they allowed to remove the tax documents over a week before taxes are due?     Also, in the closing process they repeatedly sent an expedited payoff amount to my buyer 's closing agent. I contacted them in  XXXX  that I do not authorize any expedited payoff amounts until closing. Any payoff amount should be in the form of the free, non-expedited version At that time, they removed a {$30.00} charge. I did not authorize them to send 3 expedited payoffs, only a final one is required. At closing, I had an amount of {$150.00} to pay instead of {$60.00}  ( {$ 30.00} for the mortgage and {$30.00} for the secon d )  This cost me {$90.00} additional out my pocket at closing. The closing agent confirmed that they did not request additional ones, that BoA just sent it to them.     As a result of their practices and poor customer service, I did not even contact them for the mortgage of my new home that I bought. If they could 've offered me a better interest rate and/or lower closing costs, there is no way I would ever utilize BoA again.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

Subject : Complaint Against Conserve - Illegal Collection Practices Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the debt collector agency, Conserve. I have experienced what I believe to be illegal collection practices and wish to file a complaint with your organization to seek justice and resolution. 

Conserve initiated collection efforts against me for a debt that I firmly believe to be inaccurate and unsubstantiated. Despite my repeated attempts to request validation and proof of this debt, Conserve has failed to provide any supporting documentation. Furthermore, they have continued their aggressive collection tactics, including harassment and intimidation, in clear violation of my rights as a consumer. 

I kindly request that the CFPB conduct a thorough investigation into the activities and practices of Conserve, as these actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

Specifically, I have experienced the following illegal collection practices by Conserve : 1. Failure to provide validation of the debt : Despite my written requests for verification, Conserve has consistently failed to provide any supporting documentation or proof of the alleged debt. 

2. Harassment and intimidation : Conserve 's agents have repeatedly engaged in harassing phone calls, using aggressive language, and making false threats of legal actions against me. These actions are explicitly prohibited under the FDCPA. 

3. Inaccurate reporting to credit bureaus : Conserve has irresponsibly reported the disputed debt to credit bureaus without conducting a proper investigation or validating the accuracy of the debt. This has caused significant damage to my creditworthiness and overall financial well-being. 

I urge the CFPB to take immediate action against Conserve to put an end to these illegal collection practices and to protect other consumers who may be similarly affected. I request that appropriate penalties and sanctions be imposed to hold Conserve accountable for their actions. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action in investigating this complaint and ensuring that justice is served. I look forward to receiving updates on the progress made and the resolution of this.