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

You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.
Product: Credit reporting or other personal consumer reports

Ive tried to have these inquiries from the dealership removed by all three credit bureaus.. TransUnion, XXXX, and XXXX and XXXX all come back verified and accurate! This is not the case! I did not authorize the dealership to do 9+ hard inquiries on my credit report! I did not give them permission to pull my credit this many times. This is affecting me tremendously and I dont know what else to do. Why is this coming back verified? Where is the proof that I gave consent to have my credit pulled 9+ times! All in one day
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX be removed from my credit report because not only is it too old to be on my credit report, but the company has yet to be able to prove the amount the vehicle was sold for. The Federal fair debt collection act is clear that any debt more than 7 years old must be removed permanently. The last payment on this debt was far more than 7 years ago and the debt has been completely written off by the company. This debt needs to be removed from my credit report.
Product: Checking or savings account

Charged NSF XXXX times while still making deposit same day but deposit wasn't credited first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Inquiries on my account from last purchase not expressed. I never authorized 5 injuries on one purchase.
Product: Checking or savings account

hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was XXXX 's problem - not mine - caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by XXXX. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make XXXX stop victimizing me. I 'm asking as a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Debt collection

When the original debt which was XXXX XXXXXXXX XXXX XXXX charged off the account XXXX XXXX XXXX bought the debt for pennies on the dollar and tried to collect more than was owed on the original debt. Then the account was transferred to Pressler & Pressler and they sent letters to go to court and I was unaware since I had moved into a new place. They do not own the original debt nor have provided documentation to prove the original application was with Pressler & Pressler and or XXXX XXXX XXXX. Now they want to threaten with wage garnishments and embarrass me at my employment. They have violated FDCPA and FTC legislations and undermined my knowledge on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alley has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and XXXX ; which Alley decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Equifax, XXXX, and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX with XXXX XXXX and a balance of {$1800.00}. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement or contract. This company do NOT have a signed agreement with my signature to there company. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b ) they can not furnish my signed signature for any product they offer, so this account can't be verified under any federal consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, Portfolio Recovery, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But XXXX denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt my credit score.
Product: Credit card

The dates are not perfect, however I made a verbal contract for a 60-month payment plan. The payment plan took effect and successful payments were taken out of my account for 15 months. 

Chase Bank accepted a change of address that I did not provide, nor did I approve. This change of address was not mine. They have yet to inform me how this change of address was provided to them. 

Chase Bank did not inform me that my card would only be charged for 12 months, ( even though it was charged for 15 ) before needing an updated payment. I have requested records of the contract to prove that I was not informed but have yet to receive them. 
Chase Bank says they sent letters to the incorrect address about the request for updated information, which I did not receive as my address was changed without my authorization. 

My account became delinquent without my knowledge has Chase Bank was sending mail to the wrong address, which has affected my credit score. 

When you contact Chase Bank, no one individual person can assist, however every representative puts their hand in the pot before transfers you to someone new. You must be willing and able to spend three plus hours at a time on the phone with Chase Bank, but don't expect any assistance.
Product: Debt collection

I have already sent a cease and desist letter, along with debt validation letter to NFM Lending and they continue to send me letters. They did not send me all the information requested to validate the debt and I am now sending a RESPA qualified written request in hopes of gaining COMPLETE clarification of the account # XXXX. Attached is the qualified written request. Letter sent XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX  today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Product: Checking or savings account

My name is XXXX XXXX, me and my husband XXXX XXXX bank with Navy Federal. My husband has been incarcerated for over 18 months, I am his legal POA while he is in there for the next couple years. Our joint account has some kind of security block on it, not allowing us to withdraw funds. I have provided them with the POA as requested and as stated by XXXX of the supervisors I spoke with once the POA was accepted I would be able to speak to the security department since I am his POA. I submitted the POA on XX/XX/2023 and called to check on the status on XXXX XXXX and was told my POA was denied and told my husband would have to call in. I reiterated his situation to them and told them he can not be on the phone all day, he only gets XXXX minute calls whenever they are allowed rec time. We called today XX/XX/XXXX my husband was on the line verified his identify with the Representative and we were transferred to the Security Department. We were told the wait time was XXXX minutes, we were on hold for almost XXXX hours and finally got a Rep when I asked her to give me a second to get my husband back on, she hung up on me. I called again and waited the same amount of time and hung up on again. I called back to express my frustrations and was met with the same hogwash, that I can not speak to the XXXX department even though I am legally my husbands representation. This bank 's employees and supervisors have told me XXXX thing then tell me thats not true, I do not appreciate being lied to and laughed at as I'm in tears frustrated trying to get access to our families livelihood. My husband is a XXXX XXXX XXXX who unfortunately found himself in an unforunate situation, which is already hard on our family then to add this bank making me jump through hoops for nothing when I am my husband 's POA, they can have the POA paperwork to verify it is valid. I am extremely frustrated at this point.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Mortgage

Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian MULTIPLE times about XXXX. I do NOT OWE these XXXX  accounts. They are not mine. I dispute they say verified. I then GOT PROOF that XXXX  either lied to Experian or Experian is NOT doing their jobs in investigation. Per mail, XXXX XXXX owns these debts in which I am disputing with them currently, Experian had since changed accounts closed on notification of this but still REPORTING balance owed!!! They DONT OWN THE DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX, equifax and XXXX  of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in the recent discovery of the CFPB lawsuit highlighting significant issues with the platform. While using Zelle numerous times and reporting the issues I was having my financial institute and ZELLE failed to investigate claims adequately. They informed me that recovering the lost funds was impossible as well as tracking the transactions. The CFPB findings indicate that ZELLE has not only neglected to protect the 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 concerns of the consumers safety.
Product: Mortgage

In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX DEROGATORY ON CONSUMER CREDIT OF XXXX XXXX, 15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER REPORT Reporting Utilization is illegal ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 1640 Civil liability. Delete from consumer report immediately.