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

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- 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 ; 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 a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Notice, congress said that 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 a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I paid off my early loan and the company is refusing to grant me the early pay off loan option and instead charging me an additional XXXX. I want this loan to be marked as paid and closed as well as removed from my credit report.
Product: Credit card

Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.
Product: Credit reporting or other personal consumer reports

I had unauthorized inquires re-inserted on my credit report after they were removed several months ago. 

I also have an account that is not reporting accurately on my credit report. There is a billing error. I was never late on the XXXX account in XXXX XXXX XXXX is reporting accurately with all payments paid as agreed. While Transunion and XXXX are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

BRIDGECREST ACCEPTANCE CORPORATION ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

BRIDGECREST has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 
XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 
XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options. 

15usc 6802 Disclosure of Institution Practice Policy. 
BRIDGECREST did not clearly and conspicuously provide the disclosure forms.
Product: Mortgage

I have been trying tor two years to have my PMI cancelled. The current loan-to-value ratio is 76 % on an original valuation of {$120000.00}. The loan originated in XX/XX/2014. 
I have requested the PMI cancellation with my lender, Wells Fargo. They have stated that they can not cancel the PMI as there is no Automated Valuation Model available, yet I know of at least six comparable sales working the last six months, all for at least 30 % more than my original valuation.

When Wells Fargo was contacted again, they offered to generate an AVM for {$320.00}, however they will not indicate what public data is or isnt already available. 
The loan has been in good standing since origination. 
Wells Fargo Case # XXXX.
Product: Credit card

I have a Chase Sapphire Reserve Card through Chase covered by XXXX  XXXX XXXX XXXX, XXXX ). I filled out a trip cancellation claim on XX/XX/XXXX for reimbursement of prepaid expenses I made using my Chase card. In XXXX the claim was " accidentally '' cancelled because they thought it was a duplicate or mistake. An agent then told me that it wasnt an issue and the claim would be reopened. After a week of waiting and hearing nothing on the claim, I contact Chase on XX/XX/XXXX and am told that cancelled claims cant be opened and I would need to start a new one. That agent helped me open a new one and re-upload my documents again. 7 business days go by and I dont hear anything, so I contact an agent again who tells me not to worry all the relevant documentation is there, I should wait another 7 business days. Time goes by and an agent tells me a manager will call me back, that doesnt happen, I eventually receive an email from Chase benefits informing me that I need to upload more documents. I contact Chase on Monday XX/XX/XXXX and am told by an agent that I should ignore the email because all my documents are there. On Thursday XX/XX/XXXX a different agent tells me to upload more documents which I did. Then over the weekend of XX/XX/XXXX, my claim moves back to awaiting document, so I call and request to speak with a manager or anyone who can give me actual concrete details on what's happening with my claim and am told that I will receive a call back. Of course, I do not get a call back so I contact the team again and am put on hold as the agent claims she's finding a manager but after 2 minutes on hold the agent disconnected the line. I call back a 2nd time and am told to wait 7 business days. There is no consistency between the agents who look into these claims and its very obvious they read from a script and fall back on either hanging up on you or telling you to call back in 7 business days. Its quite clear they do not have a direct line to XXXX who provides the travel protection on the backend. Chase and XXXX explicitly state it takes 7 business days on the chasecardbenefits.com website and its well past that date.
Product: Mortgage

When we send a check they wait until the XXXX of the month to put it through and charge us a late fee so we finally decided to call and do check by phone and last month we called on the XXXX and they didn't put it in all month and they want it now with late fee and insuf funds too plus this months payment and we checked with the bank. No insufficient funds on us and no payment was put thru at all
Product: Debt collection

Hello. I am filing a complaint because Phoenix Financial Serv has been invoicing {$980.00} medical bills for several months now. I have no medical debt of {$980.00}. My son called and explained to them, but a month later they issued this invoice again. I am a XXXX patient and XXXX XXXX XXXX person. They're just kidding me. Every experience I have is very costly as the pressure will rise. All my medical bills were paid by " XXXX ''. Please help me figure it out. Thank you.
Product: Credit card or prepaid card

I never had a account with them. XXXX XXXX XXXX. I respectfully requesting that this account be removed asap because I have a right to privacy by the federal credit laws.
Product: Credit reporting or other personal consumer reports

My personal information has been in several data breaches please help clean my credit report.
Product: Credit reporting or other personal consumer reports

When asked whether you have tried disputing and removing false information from your credit reports in detail without mentioning a specific company, you can respond as follows : I have taken proactive steps to address inaccuracies on my credit reports by engaging in the dispute process as outlined by the Fair Credit Reporting Act ( FCRA ). I have submitted formal disputes to the credit bureaus regarding inaccurate and misleading information on my reports. While I have made efforts to rectify these issues, I believe that the resolution process could be expedited and improved.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account namXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

XXXX charged my account {$7500.00} for services provided to patients instead of charging the patients directly. Patients informations were provided on XX/XX/year>. I've faxed these forms multiple times to different fax numbers based on the reps I talked to ( XXXX ; XXXX, XXXX ) but to no avail. Bank of America has also requested for me to talk to the merchant directly but all to no avail. XXXX XXXX sent a list of missing patients insurance and all were provided yet XXXX has refused to issue a refund. 

XXXX ACCOUNT NUMBER : XXXX
Product: Student loan

I am a guarantor on my son 's student loans.My son was laid off in XXXX 2015. He was unable to make his student loan payment. When he called, they said that he had to make his loan current prior to them helping him due to his unemployment ( they do not have a record of his call ). Normally, when he is late, I receive a letter within a few days of the due date. This time I did not receive any letters until XXXX XXXX when he was 60 days late. However, I found out that he was 60 days late, when I went to apply for a loan and my credit rating was XXXX points lower than it should have been. I made the account current. I called to have then correct the credit report and they refused to do anything. Citizens the holder of the note said that Firstmark Services was responsible for the credit reporting and Firstmark said that XXXX was in charge of credit reporting. I told XXXX that I had a complaint and they offered no help. I told Firstmark that I wanted to talk to someone about my complaint and XXXX # XXXX said that there was nothing they could do about the credit reporting. Finally after a very long conversation XXXX said she could send me a complaint form. XXXX said her system said that they mailed notices to me, I said that I did not receive notices. They have my email and they did not email me. I do not receive monthly statements. They said that they called, but I did not talk to them. XXXX acknowledged that they were unable to talk to me by phone. I do not know when his payments are due. They did not offer to send my statements. They pressured me to allow them to make phone calls to me. I refused. I said that they could email me or send me mail.
Product: Checking or savings account

On XX/XX/20 I was charged three ( 3 ) NSF fees totaling {$100.00} ( 3x {$35.00} ) for three debit transactions that were concluded and posted to my account on XX/XX/20. However, as of day-end on XX/XX/20 my account showed a positive balance of {$1300.00} inclusive of the three transactions, do the three transactions did not cause the account to become overdrawn or require overdraft protection. ( See the attached screenshot from my mobile application ). 

Wells Fargo refused to issue any credit for the NSF charges, claiming them to be legitimate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's Findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX     I applied for my free credit report and was denied twice, the first being some hippo code and second was insufficient documentation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the banks related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

5 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 my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Synchrony Bank sent me a credit card via US Mail, in which I did not authorize or activate. When I called them to close this account, they closed the account and reported it to all XXXX credit bureaus dropping my score in the low XXXX XXXX from over XXXX. I worked with Synchrony Bank to correct this issue however they have refused to fix the issue. 

I DID NOT authorize the opening of this account, therefore the entry on my credit report is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.