23daVinci/CFPB_Complaints huggingface dataset:
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 1

5 USC 1681. 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 15 usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 usc 1681s 2b ( 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 15 usc 6802 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Vehicle loan or lease

I paid off account and they are refusing to provide proof or report it within a timely manner.
Product: Money transfer, virtual currency, or money service

My mobile banking was hacked along with much of my personal information in XX/XX/scrub> 2019. Through my mobile banking, a scammer activated zelle which had not been done prior and sent {$1000.00} along with mobile depositing a fake check. 
My bank refunded me what was possible but Zelle did not. They said there was a call to my bank from me confirming the transfer but there is no outgoing calls in my phone records or information matching when the call was made. Zelle closed the account without potential to ever re-enroll due to the fraud, despite a police report for stolen identity and other materials proving the fraud and mobile banking connection, along with changing all my personal information after the incident. My mom also attempted as she was on the hacked account as well. The connection is frozen in my banking institution where no one is able to help me remove that zelle link to an account that no longer exists or get clarity on whether a new account can be enrolled over 4 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding information about a said XXXX bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... XXXXThe Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report.

As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice of Intent to File Legal Action for Violations of the FCRA 611. Despite my multiple attempts to notify Experian of these inaccuracies, you continue to respond by stating that " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, there have not been any updates made and the inaccuracies still appear on my consumer report.
Product: Mortgage

We made a payment viva XXXX XXXX  online bill pay to State Farm Bank for our XXXX mortgage payment the end of XXXX. Normally I make all payments through the State Farm website but both times I tried it was not functioning. XXXX reported the funds had been delivered on XX/XX/20. 
Below is the event timeline : XX/XX/XXXX : We received a letter informing us the payment had not been received. I called as soon as I got the letter around XXXX oclock. They threatened that if I did not make an additional payment, we would incur late fees and have a mark on my credit. The double payment was made in anticipation of them quickly resolving the issue. At that time, they had told me should be the next day. 
I emailed the transmittal form provided by XXXX stating State Farm Bank had received and accepted the funds to both the website message center and XXXX. 
XX/XX/XXXX : I called State Farm Bank the customer service representative said that they will not resolve the claim for up to 48 hours, call back Thursday. When I asked if they could at least tell me if the documentation I submitted was correct, they said no. 
XX/XX/XXXX : The customer service representative that day said it could take up to a week, I asked for a manager. The manager told me I could fax it, when I stated I had no access to a fax I was told it could take up to two weeks. Also, recent information two both the web site and email. 
XX/XX/XXXX : On the call this day I got a customer representative that said they had received the proper documentation and it should be resolved by the end of the day. However, it could take a little longer call back on the XXXX have I not heard anything. 
XX/XX/XXXX : The first representative said they never received the transmittal. I was sent to another a person and they FINAL found it and stated they would work on it. They called back and declared I should hear from them first thing the following day. 
XX/XX/XXXX : I called after not hearing from them by XXXX. The representative from the previous day said the managers were working on it and would call back by noon the following day. 
XX/XX/XXXX : Never received a call back, I called them, they called back. The message was I would have to escalate because in order to have it looked at then hopefully resolved. 

Email transmittal from XXXX was sent to : XXXX XXXX
Product: Debt collection

A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
Product: Money transfer, virtual currency, or money service

I contacted the company and was told Im they could not give me any information on the issue at which time I inquired about a refund that to was not an option due to them donating money to charity.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX response from complaint number : XXXX, XXXX  claims there is an " unauthorized party '' regarding this claim as they can not respond. While XXXX  IS THE UNAUTHORIZED PARTY as they admit they can not communicate To my consumer, they are also admitting they can not communicate WITH my consumer regarding 15 US CODE 1692 c ( c ) 2. This means the obtaining of XXXX ' consumer information unlawfully acquired by XXXX shall cease. Not sure whom XXXX is and why they have this consumers information but XXXX ' never gave expressed direct consent for them to acquire his info including reporting inanities and alleged debt findings unlawfully given to them. XXXX ' has no said contract or agreement nor has any transactions with XXXX  as they have never supplied any contracts or agreements proving XXXX  Authorized interest. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Section 15 ( d ) Remove your access and cease reporting to credit bureaus at this time
Product: Checking or savings account

XXXX no legally use my business card, don't provide services charge me XXXX $ .Chase bank sale my card information .I call Chase dispatcher said call business hours when I work, together to crime .Is not First time .XXXX  me and family
Product: Credit reporting or other personal consumer reports

I previously filed a complaint on XX/XX/year> and Equifax requested I sent proof of identity and address which I did with the previous complaint so iam not sure what went wrong but I will submit all documents again with this current complaint and hopefully there will be no more stall letters on this situation
Product: Credit reporting or other personal consumer reports

MONEYLION INC is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MONEYLION INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MONEYLION INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MONEYLION INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MONEYLION INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C MONEYLION INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! MONEYLION INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MONEYLION INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of MONEYLION INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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
Product: Debt collection

XXXX Amount : {$61.00} I request the amount of the debt : A detailed accounting showing the amount owed, including any fees, interest, or charges added to the original amount. 
2. The name of the creditor : Verification of the original creditor and a clear chain of title demonstrating how you have the authority to collect on this debt. 
3. Proof of the debt : Copies of any documentation, such as the signed agreement or contract, that shows I am legally obligated to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that Wells Fargo Home Mortgage, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. Wells Fargo, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. Wells Fargo was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against Wells Fargo.
Product: Credit card or prepaid card

On XX/XX/2020, Klarna credit performed an unauthorized credit inquiry through XXXX using my SSN and identity information that showed up on my XXXX credit file. 

I called Klarna twice to attempt to rectify the dispute, to which they insisted that I am the one that made a purchase and accepted a delivery, of which I did neither. I do not use credit cards and I have subsequently frozen all three of my credit reporting agency accounts. 

Subsequently, Klarna has sent me multiple bills for item ( s ) that I did not purchase. 

I have reached out to Klarna and they insist that I ordered the merchandise, to which I have repeatedly informed them that I did not place an order, request credit, or accept delivery of any merchandise. 

This is/was identity theft and it is not my responsibility to pay the ( approximate ) {$2000.00} due. 

Again, I did not order anything, receive any merchandise, nor did I authorize a credit check for Klarna. 

Klarna 's telephone # is XXXX
Product: Mortgage

In  XXXX   2017 I request ed my mortgage provider,  Suntrust Mortgage, begin drafting my savings account instead of  my checking account from  XXXX   XXXX   XXXX   XXXX   XXXX  for my monthly home payment . Suntrust indic ated they had made the changes and the  1st  draft from my savings would begin in  XXXX .  Suntrust then drafted my checking account as usual. I did not have the   funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur  XXXX  non-sufficient fund charges for {$30.00} each. I contacted  Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust  drafted my checking account like usual -- not my   savings account as I had request and they assured me they would. My bank provided me a copy of the  XXXX  draft attempts and  XXXX  insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.
Product: Money transfer, virtual currency, or money service

I have a crypto account with Binance US under my company name " XXXX XXXX XXXX ''. 
I learned too late, that after XX/XX/XXXX, I can't withdraw the fund in the account since it was restricted that date. 

Since the entity owned the account is a Georgia 's resident, it is now under the GA regulation. 
Currently, I can't withdraw the money or do any transaction in it. 

I need instructions, how to withdraw the fund, even if I need to pay any state tax thank you,
Product: Money transfer, virtual currency, or money service

I am writing to firmly express my concern regarding XXXX  handling of disputes, particularly in light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and tracking these transactions wasnt feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users venerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Debt collection

I had an auto loan in 2013 through a company. I paid the loan for two years, but also told the company that the dealer sold me a lemon. The truck didnt work anymore. I paid the loan down to about {$390.00} and I had a XXXX. The loan company stated that if I let them get the vehicle once its sold that should cover my balance owned. Now 5 years later a debt collector says I owe {$8900.00} for unpaid debt. I tried to explain, but they dont want hear it. I only paid {$12000.00} for the truck back then. They are scamming me and I cant do anything about it.
Product: Consumer Loan

XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}
Product: Mortgage

PennyMac received {$470.00} in prepaid interest when they bought my mortgage from XXXX XXXX on XX/XX/XXXX. The loan was almost completely paid off on XX/XX/XXXX. But a recent payoff demand statement does not account for the pre-paid interest collected at closing. Is it possible that PennyMacs system just ignores prepaid interest they receive and customers dont notice it because they usually dont pay their loans off immediately? 

please ask PennyMac to explain the payoff calculation. If you think an investigation of their system is in order because this is a general practice, that also would make sense. 

here is the history of my loan all of these dates and values are from PennyMacs website : XX/XX/19 new loan, balance {$230000.00}. {$850.00} collected as prepaid interest for XX/XX/XXXX XX/XX/19 loan sold to PennyMac who took a {$470.00} discount for 17 days of interest ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/19 principle pay-down of {$200000.00} XX/XX/19 principle pay-down of {$30000.00}XX/XX/19 regular payment of {$1800.00} of which {$120.00} was interest and {$1600.00} was principal. The remaining {$90.00} went to Escrow.

XX/XX/19 the principal balance is now below {$2500.00} and id like to pay the loan off.

XX/XX/19 Payoff demand letter shows : XXXX {$2400.00} principal balance ( correct ) XXXX ( {$9.00} ) interest due ( wrong! ) XXXX {$13.00} recording fee and release cost so, total interest ive paid is : {$850.00} + {$120.00} = {$970.00}.

with the loan almost completely paid off by XX/XX/XXXX, the total interest due on the mortgage is around {$580.00}. So i would expect an interest credit of around {$390.00}. However, the payoff demand letter shows an interest credit of less than {$10.00}. 

i would like PennyMac to explain where the other {$380.00} went or credit that to my account so i can pay off the loan. Numerous attempts to communicate with PennyMac have gone unanswered. 

again, if PennyMac routinely accepts prepaid interest without crediting customer accounts, then every PennyMac mortgage customer has lost this money.
Product: Checking or savings account

Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. 

I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. 

These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.