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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX  and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX XXXX  XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

TransUnion failed to investigate an old ( seven year old plus ) item on my TransUnion credit report, exactly like the allegations in the CFPBs lawsuit against XXXX. 

An old XXXX XXXX XXXX XXXX XXXX account had no account activity in the second half of XXXX and it was closed at that time, making the account closed over seven years ago. 

Banks are not allowed to change closing dates to extend their ability to collect. TransUnion failed its obligation to verify the account was still open or had activity in XXXX. My direct correspondence with XXXX ( XXXXXXXX XXXX XXXX is ignored. 

XXXX investigated and removed the old account ( Attached ).
Product: Credit reporting or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a few erroneous items on my credit report. I was beyond appalled to learn that you somehow verified the disputed items in question somehow and they are still on my credit report, despite multiple previous written requests, which is now a violation of federal law. 

According to the FCRA, you all have an obligation to have a copy of the original creditors documentation on file to verify that this information is mine and additionally, that it is reporting accurately. In the results of your initial and subsequent reinvestigation, you all simply stated in writing that you verified that these items are reported correctly, to which I ask the following question : who verified these accounts? 

I ask because I am extremely interested in learning how you all arrived at this erroneous conclusion? I would like a complete list of all documents and any correspondence that came about in these alleged investigations. These lists should also include the names and contact information with anyone you all spoke with as part of this investigation. 

Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). Not only that, but you have also failed to provide me with the method of verification as required under Section 611 ( a ) ( 7 ).

If you were actually familiar with and lawfully abiding by the FCRA, you would know that under Section 611 ( 5 ) ( A ), you are REQUIRED to ... promptly DELETE all information which can not be verified as the law is written. This is extremely clear and clearly indicates both the civil liability and the remedy available to me ( please see Sections 616 & 617 ) if you fail to comply with Federal Law. Had you actually conducted a thorough investigation properly as opposed to using your e-Oscar system you would have known that these items listed below should have been removed. 

Name Of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account I have conducted my own research in this instance and learned throughout doing so that in the case of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX al, the courts ruled in each and every instance throughout those cases that the Credit Reporting Agencies absolutely can not parrot information from creditors and collection agencies. In those rulings, it has been ruled that you all are REQUIRED to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not deemed reasonable!
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 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 XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear Director XXXX, This letter is to formally file a complaint against XXXX, XXXX, and TransUnion, the XXXX  credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts. 
Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and XXXX on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA. 
Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted. 
Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I initiated couple of outgoing transfers ( {$80000.00} and {$10000.00} ) from my BMO XXXX XXXX account ending in XXXX to my XXXX account on XX/XX/2023 and XX/XX/2023. BMO initiated a review for both transactions. I got a call from BMO XXXX on XXXX XXXX XXXX XXXX XXXX which I could not answer. BMO left a voice message to call back to XXXX and immediately put a freeze on my account. Currently, I am not able to log into the account. I tried calling back to this number multiple times and it went to voice message which was full. I also tried calling BMO 's customer service number XXXX. I waited for more than 2 hours and eventually got connected to a representative. He was not so helpful and asked me to call back to XXXX. I tried calling this number again and got routed to voice mail. When I searched about this issue in XXXX, looks like others are facing similar issues. Please see the last review comments in this link - XXXX XXXX XXXXbmoXXXX I also raised a complaint with FDIC. Case XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Debt collection

Someone used my identity and a fake email address to approve a credit line for {$3000.00} with ACIMA Bank which was used to purchase jewelry. The credit card company ACIMA requested that I submit a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on Equifax 3 ) All hard inquiries on XXXX
Product: Credit reporting

I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Equifax credit report
Product: Debt collection

I have been contacted at least three times by phone by the Law Offices XXXX. Each time I have told the caller that I do not owe this debt. I have never lived in XXXX, AZ and I have never owned a business. In XX/XX/2016, I sent the office a certified letter stating that I do not owe this debt ; requested that they mail me documents about this debt ; disputed the debt ; and to stop all communication with me. This harassment began in XX/XX/2016 and has continued to XX/XX/2016. The caller is XXXX XXXX and his tone is threatening and disrespectful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$500.00} ( Transfer ID : XXXX ) to my account on XXXX, a cryptocurrency exchange owned by Coinbase , Inc., via an ACH bank transfer. Funds were withdrawn from my bank account by XX/XX/XXXX. 

According to the support page on XXXX ( XXXX XXXX XXXX ) " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days ( which can be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays ) to complete after initiating a purchase. '' On XX/XX/XXXX my {$500.00} deposit was not credited to my XXXX account and the transaction was still listed as pending. Because the 3-5 business days/ 7-10 calendar days transfer time had lapsed I submitted a request to XXXX inquiring why my deposited funds have not been credited to my account. I received a confirmation email from XXXX on XX/XX/XXXX confirming that they received my request and assigned me a case number of # XXXX. 

On XX/XX/XXXX my deposit was still listed as pending so I attempted to reach out to XXXX via phone to resolve the matter, but I was informed that phone agents are unable to assist with account-specific inquiries ( XXXX XXXX XXXX ). Additionally, I was informed that submitting another request online will only result in additional delay. 

As of today, XX/XX/XXXX my deposit has not been credited to my XXXX account, and the transaction is still listed as pending. It has been 35 days since I made my deposit and 22 days since I submitted a request to resolve the matter. Coinbase, Inc./ XXXX has not offered me an explanation as to why my deposit is experiencing an extreme delay or when I can expect my deposit to clear. Due to this delay and lack of support from Coinbase, Inc./ XXXX I am left with no other option except to submit a complaint to the CFPB.
Product: Debt collection

I have received a communication from north shore agency indicating that I owe money for a magazine subscription renewal. Last year my daughter gave me a subscription as a gift. I have never ordered or renewed this subscription. Acct # XXXX
Product: Checking or savings account

The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. 
Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. 
Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. 
She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. 
Their service is bad, and I will inform about it everyone I can. 
XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!
Product: Credit reporting 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. Account name : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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: Student loan

My loan balance grows each time I log into the website and check the balance. I do n't understand why the loan balance grows if the interest due is paid with each monthly payment. If the loan balance is growing then my student loan is a negative amortization loan which does n't make sense as these are fixed rate loans and I have a set 10 year term. In addition, each month since I entered repayment I have paid extra toward the principal. I always select the option " I want to make my next scheduled payment ''. I never elect for the overpayment to advance my due date since I always want the overpayments to go directly to my principal balance. Navient always skips my payments on the loans that I overpay. For example, if I have 4 loans and overpay 1 I only receive payment notices on the remaining 3 loans. Navient is not following my direction and instead isapplying my overpayments so it advances my due dates. I would like the following to happen if possible : Can my loan balances be audited to find out why my loan balances keep growing and to find out why Navient is applying my overpayments to my future payments rather than my principal balance?
Product: Vehicle loan or lease

I leased a BMW car from BMW Financial services in XX/XX/2019. During the Corona Virus lock down, they offered me two forbearance on my lease which I accepted. I applied for at loan at my bank in XXXX of this year and they denied me and made me aware that BMW Financial reported that I had three missed payments and late payments,. I reached out to them and they told me they did not report anything to the credit bureau.
Product: Vehicle loan or lease

I am a resident of XXXX, PA. I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX, a used car dealer in XXXX, Ohio, on XX/XX/XXXX. The car was financed through Santander. The dealer sent the check for PA sales tax and " the title '' ( presumably an Ohio title ) to XXXX in XXXX that was received on XX/XX/XXXX. ( XXXX 's reference number is XXXX. ) Calls to Santander after that date resulted in Santander stating that they had not received the title. 

A follow up email to XXXX was met with the following reply : From : XXXX XXXXXXXX Contact Us XXXX Sent : Thursday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : RE : [ External ] Re : XXXX Question : Title and registration ( XXXX ) ( XXXX ) ( XXXX ) The paperwork we received, unfortunately, could not be processed because there was no application for title and registration included. A letter of rejection was sent to Santander. I recommend following up with Santander and requesting they forward the paperwork to you so that you can take it a Pennsylvania title and tag agent who will complete the submit the necessary application for title, which is form XXXX, and issue you a Pennsylvania license plate. This form is a restricted form and can only be completed by authorized agents within Pennsylvania. ( emphasis added ) I forwarded this to Santander at XXXX, at their direction, with instruction to call back the next day. They state that they did receive the forwarded email. 

Despite my repeated requests, and contrary to the rejection letter from XXXX, Santander is insisting on contacting XXXX for a Form XXXX ( see attached email ). This is doomed to fail, and will only delay my registration. The people at Santander that I have spoken with do not seem to comprehend that, according to XXXX, only an authorized agent in Pennsylvania ( which is certainly not Santander ) can submit the Form XXXX. They do not appear willing to simply comply with the instructions of XXXX. If nothing else, a form that they would submit can not feature my signature, which is likely required. Meanwhile, I can not register a car that I purchased nearly XXXX months ago and for which I have made payments.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Debt collection

I have been getting constant emails from this company PayCourt since XX/XX/XXXX. I have no recollection of this company and have never did business with this company. According to 15 U.S. Code 1692c - Communication in connection with debt collection my consumer rights has been violated, this is {$1000.00} fine. Gramm-Leach-Bliley Act also states that the collector needs to notify me and give me the right to opt out. I was never notified of my right to opt out. First initial contact from this company via email on XX/XX/XXXX was trying to resolve the debt by making a payment to them when i do not even know who they are. This is also {$1000.00} fine for violation of the Gramm-Leach Bliley Act. The email states that I owe {$180.00} to a XXXX XXXX XXXX XXXX from XX/XX/XXXX, account number XXXX. Upon my investigation this is located in Illinois I live in Arizona. The email claims I was driving XXXX above speed limit. However, I have a clean driving record and no tickets especially from a place I have never been to or driven in.