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

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account # XXXX ( {$1000.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX {$1400.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX ( {$790.00} ) Account Name : XXXX XXXX XXXX Account # XXXX ( {$690.00} ) Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # 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 an account without my written instructions 15 U.S.C. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 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 know or has reasonable cause to believe that the information is inacurate
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. 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 card or prepaid card

Wells Fargo pressured me into opening a business savings account and then lied that it was a requirement that they also sign me up for a business credit card at the same time. Years later I finally closed said business account, that was two and a half years ago! I get at least one card offer a week from them and they tracked me accross state lines to a state they don't even have a branch in. This week was the final straw, they sent me a business credit card for the account and business that I closed down two and a half years ago.
Product: Debt collection

Calling numerous people harrassing my family telling them they are going to file a case on me. Calling my parents on XX/XX/23 saying i used them as a reference and that is false
Product: Checking or savings account

I used my Wells Fargo debut card at a third party atm for {$200.00} plus a {$7.00} transaction fee in mid XX/XX/XXXX. The atm declined my transaction and stated i had reached my daily limit for withdrawals. Upon checking my online banking on XX/XX/XXXX, my account statement showed that I had been debited for the {$200.00}. I filed a claim with Wells Fargo and was given a credit several days later. Roughly a month later I received a notification that the credit had been made permanent and their investigation was decided in my favor. On XX/XX/XXXX, {$200.00} was debit from my account and Wells Fargo is now telling me that theyve decided that Im responsible for the transaction. I received no notification of any reversal. No letter in the mail, no electronic notification of any kind. Wells Fargo does not honor their policy of account protection and has told me that its now my responsibility to go after the ATM owner. Its also worth noting that at the time of this transaction, Wells Fargo was experiencing severe atm issues and double debits were happening frequently. The company corrected the majority of those, but they take no responsibility for this error.
Product: Credit reporting or other personal consumer reports

Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by Regions Bank per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under 15 U.S.C. 6802 ( b ).

Investigate whether Regions Bank is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805.

Also Ensure that my nonpublic personal information is no longer shared without proper authorization
Product: Credit reporting

I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent letters out to Transunion, XXXX, and XXXX regarding XXXX XXXX ( Account No. XXXX, and XXXX. XXXX ). On XXXX XXXX I received the investigation results. These accounts were not accurate and they failed to mark it in dispute a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, 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 in confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 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 a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls.
Product: Debt collection

I received a notice to collect debt from procollection from a leasing apartment XX/XX/XXXX I didnt not lease from. They did not mail anything in mail previously before and account was filed in XX/XX/XXXX. Now they reporting my name to collection XX/XX/XXXX and I never signed document for XXXX XXXX XXXX, I have a family member who did however my name is not on the lease. I called XX/XX/XXXX they demanded a payment even after I sent in the move in statement from family member name on it and I explained to them to email the with proper documentation. The manager sent my sister and I an question mark.
Product: Bank account or service

Went to Wells Fargo on XXXX XXXX XXXX in XXXX, CT to make a minimum withdrawal from my IRA. The person at the bank called the IRA department because she was having trouble completing the transaction. The IRA department told her that the IRA systems were down because the Bank was going through a conversion and told her to tell me to come back after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from Kohls/Capone  and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.
Product: Mortgage

In the spring of XXXX, we opted to have our mortgage put in forbearance due to job loss by my husband. Bank of America called weekly and daily asking when we planned to pay ... everytime we told them we planned to resume mortgage payments in XXXX once my husband was back working, which we did. The bank sent a letter giving us an option enter a deferral and said to submit payment by XXXX XXXX to accept the terms, which we did. We paid online as usual and paid our mortgage HOWEVER the amount that Bank of America had posted online was different from what our letter indicated was the amount due which we did not realize. Bank of America did not update the amount on their website and we paid what was noted as the amount we owed for that date. We continued to receive calls from Bank of America indicating our mortgage was still in forbearance at which time we realized the discrepancy. On XXXX XXXX, XXXX, my husband ( XXXX XXXX ) spoke wo XXXX XXXX and said if we paid the {$15.00} then we would be all set and the mortgage would automatically come out of forebearance, which we did do. However calls continued indicating our mortgage was still in forebearance. We were told that today we would have this matter resolved yet today we called and the issue is still not resolved. We want to be able to refinance our home mortgage and take advantage of the low rates, however we can not since our home is still noted as in forebearance. WE NEED THIS RESOLVED. I do not want to keep going in circles with Bank of America. We have a made a total of 15 calls to their call center all of which were recorded and we expect this matter resolved otherwise we will take legal action. We have been paying our mortgage however this month decided not to until this matter is resolved since our account is still marked in forebearance. This experience has caused us substantial mental stress.
Product: Debt collection

UCC has received multiple Affidavits and has failed to respond. An un-rebutted Affidavit stands TRUE in court!

UCC has violated my privacy! My consumer rights have been violated. United Credit and Collections has continued to harass me about this alleged debt. United Credit and Collections INC has violated federal law. United Credit and Collections has failed to properly respond to my notarized Affidavit. I have all proof of attempting to settle this amicably. United Credit and Collections has threatened actions that can not be legally taken under the Fair Debt Collection Practices. United Credit and Collections is civilly liable. United Credit and Collections is in default and now agrees with the facts. United Credit and Collections violated
the following laws : 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e. ( 2 ) ( A ) 15 U.S. Code 1692e. ( 5 ) 15 U.S. Code 1692e. ( 7 ) 15 U.S. Code 1692e. ( 10 ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692c ( a ) 15 U.S. Code 1692c ( b ) 15 U.S. Code 1692h 15 U.S. Code 1692k ( a ) ( 1 ) All proof is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed a charge off account posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 and IRS PUBLICATION.
Product: Credit card

I have been trying to contact TD bank which is associated with XXXXXXXX XXXX. At the end of XXXX, it was reported that XXXX and TD were changing the way their services were being handled. I wasn't able to log into my account. I then searched online for answers from third party sources to figure out what was going on. I have then got a notice on my credit report that they closed my XXXXXXXX XXXX account, which is in good standing, with the notion that it was closed due to " inactivity ''. This is a XXXX claim as I have paid my dues every month and more than the minum at that. I have tried to contact TD multiple times but I am hit with atleast XXXX hour hold times. I seriously can't get through to resolve this issue. I can log in and pay, but I want the account closed notice off my credit report and that the account is open and it good standing. Please contact me immediately.
Product: Debt collection

I received a wage garnishment notice XXXX weeks ago. This is the first time ever seeing this notice or knowledge of this situation. In 2014 the court documents claimed I had been served and owed {$6400.00}. The description said a XXXX individual, XXXX, and XXXX was served. This description is inaccurate as I am white, XXXX, and XXXX. Court documents claimed I didnt show up to court lost the case and now I owe {$10000.00} due to interest. The address they have on file on the notice is an address Ive never lived at and never had any association with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club is reporting to Credit Agenies that I have missed payments in 2020. This has happened in XXXX and XXXX. Each time I called XXXX XXXX to informed them of the incorrect information, they correct it and resubmit correct information to credit bureaus. It happened again in XXXX. I reported to XXXX XXXX on XX/XX/XXXX and emailed them screenshots as proof it happened again. I called Lending Club to follow up on XX/XX/XXXX to followup. I was informed that the ticket was still open and to follow up on Friday. I called today XX/XX/XXXX to follow up and still nothing has been done. In the meantime, I have been denied credit because of their error. I am also concerned why this continues to happen as well as, its preventing from applying for additional credit for fear of being denied or given higher rates.
Product: Debt collection

XXXX continues to call my place of business over XXXX times a day. I have asked them to stop, my attorney has sent them a letter, but they continue to call. They use obscene language and said they will continue to harass me until I send them {$500.00}. I had a payday loan that was declared in a bankruptcy 2 years ago. This was also explained to them.
Product: Debt collection

I received a letter from Harvard Collection Services trying to collect a debt for Illinois Department of Human Services for a balance of XXXX. After I got of the phone with them I contact the Human Service and they told me they dont know anything about this debt and also I didnt receive anything stated that I owe the government and they also said they would take money from the stamps that I already received to cover the amount that they gave me until it is caught up. I also googled them and it says Temporary Closed and they only had 1.3 stars
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX 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 XXXXXXXX Balance : {$450.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

I am still in school, so my student loans are deferred. EdFinancial falsely reported to NSLDS that my loans are in default. As a result of this lie, I can not get a new student loan to finish my program.
Product: Vehicle loan or lease

Credit Acceptance has falsely obtained compensation from me in relation to the credit transaction that took place. They failed to provide me with the appropriate disclosures under the Truth In Lending Act and they have also failed to rebut the Affidavit that was sent to them. An unrebutted Affidavit stands truth in commerce. They have received the documentation and have yet to correctly handle their wrongdoing.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

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

Fifth & Third Bank which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau
XXXX,.XXXX, XXXX. Need your help please to resolve this issues.
Product: Debt collection

I noticed a derogatory statement on my XXXX account from American profit recovery for {$45.00} dollars I do not have a contract with them and I do not wish to do business with them and would like for them to remove this negative account immediately upon my request.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681, consumer reporting agencies, namely Equifax, XXXX, and XXXX, are mandated to carry out their significant responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy, as per 15 USC 1681 section 602 ( a ).

As the consumer in question, I assert my right to safeguard my private information against sharing, supported by the provision in 15 USC 6801. This section underscores the Congressional policy that each financial institution, including ( Furnisher of information to credit agencies ), has a continuous obligation to respect customer privacy and ensure the security and confidentiality of nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is stipulated that any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, Equifax, and XXXX, lack my consent, which encompasses verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

In accordance with 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from making any consumer report containing adverse items of information without authorization. This account, reported as an adverse item without my permission, is in direct violation of this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are not maintaining reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency maintain reasonable procedures designed to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax and XXXX are not currently adhering to these standards. 

In compliance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services, specifically for the following accounts : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) XXXX ( ACCOUNT NUMBER : XXXX ) XXXX ( ACCOUNT NUMBER : XXXX ) This serves as notice of my decision to opt out. These concerns are critical and demand immediate attention to ensure compliance with the FCRA.