23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navy Federal Credit Union, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX I sent a written request toNavy Federal Credit Union, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Navy Federal Credit Union. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe thatNavy Federal Credit Union 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Navy Federal Credit Union with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Navy Federal Credit Union be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$24000.00} Inquiries XXXX XXXX XXXX XXXX Data Breach happened, per 15 USC 1681c2 please block and delete these items within 4 business days.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Concerns About Zelles Handling of Payment Disputes Dear CFPB, I am writing to express my concerns about the lack of adequate protections and dispute resolution processes for Zelle users. While Zelle is marketed as a safe and convenient payment platform, its current policies leave consumers vulnerable to financial loss in cases of accidental transfers, fraud, or scams. 
In particular, I am troubled by the following issues : 1. Irreversible Transactions : Zelle payments are processed immediately, with no option to cancel or dispute the transaction after it has been senteven in cases where the payment was made in error or due to deceptive practices.

2. Lack of Purchase Protection : Unlike other payment platforms, Zelle does not offer protections for consumers making payments to individuals or businesses, leaving users exposed to fraud with limited recourse.

3. Insufficient Bank Support : While Zelle advises users to contact their banks for assistance, many banks lack clear or effective processes for handling Zelle-related disputes. This leaves consumers with little to no resolution for their issues.

4. Fraud Vulnerabilities : Scammers frequently exploit Zelles instantaneous transfer system, preying on consumers who mistakenly believe their transactions are protected.

As Zelle continues to grow in popularity, I believe it is essential for stronger consumer protections to be implemented. These could include : Introducing a cancellation window for pending payments.

Offering a secure resolution process for accidental or fraudulent transactions.

Increasing transparency about risks and improving fraud prevention measures.

I urge the CFPB to investigate Zelles current policies and advocate for enhanced protections to ensure consumers are not left vulnerable when using this payment platform.

Thank you for your attention to this matter. I look forward to any updates or actions regarding these concerns. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nordstrom did a hard inquiry to my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the XXXX XXXX, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. 

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Product: Debt collection

CONTACTED SPECIFIED CREDIT XXXX ABOUT A DEBT THAT IS NOT MINES AND THAT I HAVE SPOKEN WITH THE GYM ABOUT WHO IS SUPPOSE TO FIX IT WHEN TELLING THEM THIS ISN'T MY DEBT WHICH I HAD TILL XX/XX/XXXX TO DO THE REPRESENTATIVE BECAME VERY UNHELPFUL PUT XXXX WHO IS THE ONLY SUPERVISOR ACCORDING TO THEM OTP WHO USED NOT GOOD LANGUAGE TOLD ME SHE WOULD VALIDATE THE DEBT WHICH IT IS NOT MY DEBT AND IS INCORRECT SHE TOLD ME TO NOT CALL THEM BACK EVER AND THAT THEY WOULD BE VERIFY THE DEBT. THERE CALLS SHOULD BE RECORDED TO VERIFY WHAT I AM SAYING ACTUALLY HAPPENED AND NOW I AM TRYING TO CALL BACK THEY WONT ANSWER OR PLACE ME ON HOLD BECAUSE SHE IS THE SUPERVISOR ON DUTY UNTIL XXXX COMES BACK WHO I AM TRYING TO ALSO REACH OUT TOO.
Product: Debt collection

I received a call about a debt from a XXXX XXXX debt collector a month ago stating I owed {$970.00} for a world finance loan in XXXX Texas. I had a loan for {$1000.00} that I opened XX/XX/XXXX & paid it off XX/XX/XXXX. I did not get any other loans after paying that one off. I have asked for proof that this loan was approved & signed by me but have not received any information. I have asked twice from world finance & now XXXX  to mail me the documents to support this loan allegation & still have yet to receive anything. Im concerned about foul play at the world finance office I had gone to prior due to their being an employee who certainly was not a fan of mine outside of work. Please help with this. Its effectively hurting my credit. Still.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, Hello I am XXXX XXXX XXXX, for the last almost XXXX years i have dealt and continue to deal with identity problems. Being denied any and every access to certain help, assistance, and funds. In XXXX i was at XXXX based XXXX for recovery or in my own words a reformation camp, ( XXXX XXXXXXXX XXXX XXXX  Since then, medical records have been accessed, never received information on any of the funds or money " invested, '' and also denied certain accessibility to funds/assistance. I am one of many that did not conform to their ways, politics, and quite frankly their religion. I was told that i had XXXX tendencies and was placed in different sitting at church and also not allowed a roommate. My mother who is now deceased was not allowed to come to the door because she was not a full believer of their faith. This is just one of many associated things I have gone through. I am now receiving letters for the XXXX year of medical records being accessed. Also most recently received a letter from XXXXXXXX XXXX that they can not verify my Identity.
Product: Debt collection

I went in for a procedure in XXXX of 2016. I was told the procedure was {$5000.00} flat fee all included and insurance covered it. I paid my copay and had the procedure done. Now, 2 1/2 years later, this is on my credit report for {$910.00}. Much of this is fees and add on XXXX. charges for surgical trays and a consultation that were never mentioned. I had the procedure on the same day as the consultation where I was given all of the information. They checked my insurance, verified it was covered, took my copay before they would operate and then performed the procedure. The attached invoice shows that the insurance company actually paid them more than their quoted price that they offer when someone inquires. The procedure caused many undesired complications which I am still dealing with and now the Dr. is trying to collect on fake fees and trumped up consult and tray charges. Seems to be more of a greed driven business than a Dr . 

I am happy to discuss and I will be doing anything and everything possible to get this false charge off my credit.
Product: Credit reporting or other personal consumer reports

In my previous complaint I mentioned a violation that XXXX XXXX  has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX  still is reporting these transactions and experiences.
Product: Debt collection

Upon closely inspecting my recent credit report, I noticed several accounts that I believe are erroneous and were added without my authorization.
Product: Checking or savings account

I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. 

On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. 

Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable.

Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly on light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed late payments on my credit report. Nelnet can not provide me with a date that payments were due. When calling the Nelnet customer service, I am advised to mail in or email my dispute, which I have done several times. I am also informed that the accounts are close, which I am aware of. However, they continue to report late payments on all three of my major credit reports without proof that it was ever late. I have also tried disputing this with all three credit reports. The credit reporting companies then rely on what Nelnet provides them and I never receive a copy of what is provided. Nelnet is unable to prove that I was late on any payments and gives me the run around when I am trying to dispute this.
Product: Mortgage

They are holding my insurance claim money. I do not have the money to fix my home and then wait for them to send an inspector before they will send me my money. It's ridiculous! It has been almost 2 years since XXXX XXXX devastated our area. It's a shame we have to fight with the insurance companies and then fight the mortgage company to fix our property. My claim was {$42000.00}, the insurance company subtracted {$18000.00} for recoverable depreciation and sent me a 2 checks totaling {$24000.00}. Then the insurance company went bankrupt. My contractor has done most of the repairs to make the house livable, yet they want him to completely re-sheetrock the entire house. My hands are tied until I get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identify theft between XXXX. I discovered someone had open a account using my information and reporting to the police and the account was removed from my credit report. About a year later I discovered the same person had opened up about 10 accounts in my name using a different address and paid on the accounts. She abruptly stop paying the bills in XXXX. There was a police investigation and I completed an Affidavit of Identity Theft. I contact all the creditors and the accounts were removed from my report and I was not liable for any of the charges. Two years later in XXXX I starting getting collection calls and bill from XXXX XXXX XXXX saying owed XXXX XXXX {$1000.00} and {$380.00} for account I open sometime in XXXX.. Both of these account were opened fraudulently. I contacted XXXX XXXX XXXX and they removed it from my credit report and I was not liable for the charges. Somehow these charges fell thru the cracks and was charged off and sent to XXXX XXXX XXXX. I have tried for three years with Experian to explained this was a fraudulent accounts and they just keep verifying as mine. The last time I sent the police report and the Affidavit of Theft they put a fraud alert on my account which is pointless now the fraud took place in XXXX. They sent me a credit report stating the two XXXX XXXX XXXX accounts do not appear on my credit report but they do ( see attached ). The problem is they never read my letters they just verify the accounts are mine because the person used my social security number, name and date of birth. When I contact XXXX XXXX now they can not help because they sold the accounts. I do not know what to do can you help?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX Account Number : XXXX Account Name XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/2023 my car was broken into. Among the items the theive ( s ) got away with was my wallet. Upon realization of the event I canceled all of the cards, and filed a police report with local law enforcement. Unfortunately several hours likely passed as the thieve ( s ) racked up at least one charge on every card. 4 cards were involved. XXXX and XXXX quickly resolved fraudulent charges accounting for XXXX. Unfortunately the home depot credit card ( CITI ) entered a long dispute process. I figured it was because this card had incurred the biggest charge of the four ( {$380.00} ). Two months later ( XXXX ) I got a disheartening letter from CITI telling me that upon their investigation, I was fully responsible for the fraudulent charge. Outraged, I called their security team to immediately reopen dispute. I sent them a copy of the police report. Gave them a very detailed statement of the event. Also attempted to acquire surveillence footage, but was unable to because of lack correspondence from law enforcement. Who are required for release of footage. Sadly, today ( XXXX ) I received another letter from CITI telling me that I am still liable, and that my credit report is now in jeopardy if I don't pay! Realizing that CITI is not in my corner I have decided to file a complaint with consumer finance. Hoping to resolve this unfortunate situation.
Product: Checking or savings account

On XX/XX/XXXX I applied to renew my PA XXXX license in which I was denied due to bank of america reporting to XXXX that my account as " abuse ''. As a direct result I am unable to open a new bank, new line of credit or renew my XXXX license as stated. Prior to me switching banks I opened a request to investigate a payloan who debited me multiple times until they were successful to get the money which threw my entire account off. Multiple representatives told me there is no way to stop them once they have my account number and routing number. Upon researching online I noticed bank of america has come up more than any other bank with this process tarnishing millions of consumers. On XX/XX/XXXX, I requested information from Bank Of America about this via certified mail with no response after 35 days. This should be removed immediately.
Product: Credit card

I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.
Product: Mortgage

Rocket Mortgage keeps calling me to cash out my home equity. I have begged them repeatedly to stop calling me and opt me out of their calls, but they insist that since I have an active mortgage with them they are allowed to keep calling me to sell me on the benefits of cashing out all the equity in my home. They refuse to stop calling me. I don't want to cash out all the equity in my home. I don't see why just becasue I have a mortgage with them they are allowed to keep calling me! Please make them stop!