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

Violation of Privacy Act of 1974 & of the Educational and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX  Balance {$1000.00} Balance updated XX/XX/XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX Balance {$6000.00} Balance updated XX/XX/XXXX XXXX  Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$3900.00} Balance updated XX/XX/XXXX 2023
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through  audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Checking or savings account

My card and phone was stolen on XXXX XXXX and someone spent close to XXXX dollars on my card. I have XXXX transactions stating showing I was home while these transactions were being made. I call the next morning to file a claim and get a new card and they keep denying my claim. Today XX/XX/year> they ( navy federal ) is saying I need to go get documentation that I wasnt there.
Product: Credit reporting, credit repair services, 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. XXXX XXXX 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 dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian disputing an item on my credit report that had reached Statute of limitations on XX/XX/2020 for the state of California. I submitted this dispute with Experian for a XXXX XXXX XXXX XXXX   account, on XX/XX/2020. The results that Experian sent back to me on XX/XX/2020 are unclear and resolved nothing.
Product: Mortgage

My XXXX Taxes were based on 6 % versus 4 % as they always been and my taxes jumped up last year, My Mortgage company made the payment in XX/XX/XXXX for the Amount of {$3900.00} when it should've been {$1300.00} and that caused my Escrow balance to be negative, I contacted tax office and went there personally and proved them that i live there and it's my primary residence, they did another Tax bill at 4 % and Reimbursed My mortgage the difference of XXXX on XX/XX/XXXX, it's XXXX and I am still paying for the extra amount to bring my escrow to date, My girlfriend lost her Job and i am struggling with bills and couldn't make the XXXX payment on time, they reported me to the credit bureaus and now this is hurting my credit, i have contacted them several times to see it they can at least help me with that late report, was told they can't do that and the earliest my account will go back to normal would be XX/XX/XXXX, I would like to submit this complaint because i feel they have the tools to correct this since they got the refund back from tax office 5 month ago, i can be reach by phone if someone wants to call me and get more information. 
thanks in advance, XXXX XXXX XXXX
Product: Checking or savings account

This is an ongoing issue where Wells Fargo bank closed our family 's small business checking & credit card accounts with no explanation or notification. Since then, I've called Wells Fargo customer service, wrote to their CEO, and filed numerous complaints with CFPB. 

Wells Fargo has continued to lie - first claiming that a check was mailed for the balance without providing any tracking number or any other evidence ; and now, that an Affidavit was mailed to me on XX/XX/XXXX when no such thing was done. 

DETAILED HISTORY : Initially, I was told to visit a branch to get a check for my closing balance, where I had to wait for XXXX hours to be told that not only I need to pay for a XXXX bond FOR THE CHECK that they claim they mailed ; without MY AUTHORIZATION and WITHOUT any tracking ; but I also need to get a signature guarantee from another financial institution on their " Declaration of Lost, Stolen, or Destroyed Cashier 's check ''!! I declined both - if a check was ever mailed without my authorization, they should have mailed it with shipping method with tracking. 

After another complaint through CFPB, I was given a number to call XXXX XXXX XXXX to get the check reissued. Upon calling this number, I was told that an Affidavit will be mailed to me that I needed to sign. 

However, no Affidavit was ever received. I filed another complaint. In her response dated XX/XX/XXXX, XXXX XXXX XXXX, Escalations Representative asserted, without providing ANY EVIDENCE, that an Affidavit was mailed to me on XX/XX/XXXX. Once again, she has neither provided any tracking number, nor has she included a copy of the cover letter or the supposed Affidavit. Interestingly, I continue to receive Wells Fargo 's responses to my complaints, and my personal wells fargo credit card statements at the physical address that I have provided so it's obvious that they are once again, lying about sending me something they didn't. 

She has directed me to call the same number or visit the branch - both of which I have tried multiple times!! It doesn't look like Wells Fargo understands how customer service escalation works, in place of resolving the issue, they keep referring customer to call the lower level customer service again. 

Meanwhile, a XXXX search reveals a press release dated XX/XX/year> with an admission from Wells Fargo XXXX from XX/XX/year> that " they have identified a series of unacceptable practices that we have been working systematically to change and provide customer remediation where warranted ''. 

it doesn't look like Wells Fargo has done enough other than settling claims for their previous financial crimes at dimes to dollars. The DNA of the bank hasn't changed. Once a thief, always a thief!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XX/XX/XXXX# XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By 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 has violated my rights : 1. XXXX XXXX Miscellaneous ) 2. XXXX ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXXXXXX XXXX  ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX  ( Finance ) 8. XXXX XXXX XXXX ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10. XXXX XXXX XXXX XXXX ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXXXXXX XXXX XXXX ( Bank ) 14. XXXX XXXX  ( Miscellaneous ) 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 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- ( 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.
Product: Checking or savings account

I have closed my business due to COVID-19. My TD Bank Business Checking account balance is at {$0.00}. They are refusing to close the account unless I show up in person in the middle of a global pandemic! Do they not watch the news? 

I have started a new job and am on a 90 day probation period and can not risk taking a day off to go to the bank to deal with this. 

I just want the account closed - it has a {$0.00} balance! 

From : Customer Service Subject : RE : SB Account Inquiry Date : XX/XX/2020 Sent : XX/XX/2020 XXXX Thank you for contacting us in regard to closing your business account. 

We regret that we are not able to close a business account through secure message. Business accounts must be closed in person by visiting your local TD Bank during lobby business hours. 

We apologize if this is an inconvenience. 

If you have any further questions, please contact us via secured message or call XXXX and enter your account information when prompted, or enter 0 and select Business to speak with a TD Bank Small Business Banking Specialist, 24 hours a day, 7 days a week. 

Regards, XXXX TD Bank On-Line E-mail Specialist
Product: Mortgage

On XX/XX/2023, I obtained a new homeowners policy with XXXX XXXX, for my XXXX property located in XXXX, IL. I notified my lender, InterFirstXXXX XXXX XXXX collectively " InterFirst '' ), that I had obtained a new policy and for payment to be made from my escrow account. During the course of 3 months, I made numerous calls to InterFirst to have them make payment. During these recorded calls, InterFirst agents made representations that payment would be made. However, I finally received final notice from XXXX XXXX that my insurance would lapse if payment was not made by XX/XX/2023. I sent an email to both my insurance company and InterFirst, given the urgency. Finally, InterFirst made payment on XX/XX/2023, three days after the deadline. As a result, my policy was cancelled and subsequent attempts to get a new policy through XXXX XXXX has failed, as my record now shows that I have a lapsed insurance policy due to nonpayment. 

This has affected me because I am either unable to get insurance or the quotes are higher than what I paid for XXXX XXXX. I finally found a new policy with XXXX, one of the few insurance companies that would give me a quote. I sent InterFirst a XXXX notice that they have failed to make timely payments, are required under 12 C.F.R 1024.34 ( a ). The bank has assigned a case worker but the matter remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/2012 2012
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to properly investigate and remove unverifiable closed accounts and a bankruptcy from my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX of Events : XX/XX/year> I reviewed my credit report and found inaccurate closed accounts and a XXXX that should no longer be reported. 
XX/XX/year> I sent a dispute letter via certified mail requesting verification and removal of these items. 
XX/XX/year> The credit bureau acknowledged receipt and initiated a XXXX investigation. 
The bureau failed to remove all disputed accounts and the bankruptcy, even though they could not provide proper verification. 
Violations of the FCRA : Unverifiable Accounts Must Be Deleted FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If the credit bureau can not verify an account within 30 days, it must be deleted. Since some accounts were deleted and others were not, this indicates inconsistent reporting and an incomplete investigation. 
Bankruptcy Can not Be Verified FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus do not obtain XXXX records from the courts directlythey purchase this information from third-party vendors like XXXX. 
Since I have frozen my XXXX and XXXX reports, the credit bureau should not have been able to verify the XXXX, making it ineligible for reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , Inc. ) due to the inadequate customer service, and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent, and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the ELECTRONIC FUND TRANSFER Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

This Complaint is against XXXX, Equifax, XXXX for Violation of the Privacy Act and Ignoring Opt-Out Request. 
I am filing this complaint against XXXX, Equifax, XXXX due to their repeated violations of the Privacy Act and their failure to honor my opt-out requests for Marketing communications. These actions have caused significant distress and a breach of my privacy. 
a. ) Unauthorized Sharing of Personal Information. 
On multiple occasions, XXXX, Equifax, and XXXX has shared my personal information with third parties without my consent. Specifically, I have noticed an increase in unsolicited marketing communications from companies i have no prior relationship with, which indicates that my information has been shared without authorization. ( Specifically, my name, address, phone number, and email address ) b. ) Failure to Provide Access to Personal Information. 
I requested access to the personal information XXXX, Equifax, and XXXX holds about me, as is my right under the Privacy Act. However, my requests have either been ignored or insufficiently addressed. 
c. ) Inadequate Data Security Measures. 
I have reason to believe that XXXX, Equifax, and XXXX do not have adequate security measures in place to protect my personal information, as evidenced by the unauthorized sharing of my data. 
d. ) Ignored Opt-Out Requests Violation I have repeatedly requested to opt-out of marketing communications from XXXX, Equifax, and XXXX XXXX but these requests have not been honored. Despite multiple attempts to opt-out through various provided channels, I continue to receive unwanted communication. 
e. ) Misleading Opt-Out Process. 
The opt-out process provided by XXXX, Equifax, and XXXX is misleading and difficult to navigate. There is a lack of clear instructions, and the process seems designed to discourage consumers from successfully opting out. 
f. ) Impact on Me The violations committed by XXXX, Equifax, and XXXX have caused me significant distress and inconvenience. the Unauthorized sharing of my personal information has led to an influx of unsolicited communications, which disrupt my daily and compromises my privacy. Furthermore, the failure to honor me opt out request demonstrates a biant disregard for my preferences and rights as a consumer. 

( b ) Opt out ( 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: Debt collection

Debt validation letter sent XX/XX/2022, company responded with a name that is incorrect and company responded back XX/XX/2022 unable to validate debt. Please remove from my credit report.
Product: Credit card

On XX/XX/year> I called the Verve XXXX to close the account because of late fees ( inaccurate late fees and astronomical interest on purchases on the card ) They did not close the card and were not willing to discuss a payoff amount without interest and additional charges. This is considered predatory lending and fraudulent based on the information I have. As of yesterday, XX/XX/year> they finally closed the card but charges have been additionally placed on this card that are inaccurate - in order for us to come to payout agreement I want those charges removed. I will dispute the payment on the card until this occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will XXXX me. Its becoming very disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This World Finace account was closed in XX/XX/XXXX and charged off ... .put on my credit report as a derogatory account ... And now in XX/XX/XXXX World Finance is suing me in court for full payment of the loan. This is fraud and deception at the highest level. TN allows this abuse on working class citizens and IT IS WRONG!!!!! WORLD Finance abuses the Financial institutions credit rules with extremely high interest rates and unethical payment strategies.
Product: Credit card

I recently received a copy of my XXXX credit report and noticed Bank of America is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Bank of America and XXXX multiple times and XXXX tells me the information they are receiving is coming from Bank of America and is 110 % accurate and Bank of America tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming each other and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.