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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.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, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of XXXX! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX credit management is legally also not even licensed to collect debts within the state of Pennsylvania!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX BANK on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
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 my lost funds was impossible and that tracking this transaction was unfeasible.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.
Product: Credit card or prepaid card

I open a Victoria Secret 's card in XXXX of XXXX with a limit of XXXX and used it fairly often since. I have always paid over my minimum payment and have never made one late payment, I have even made double payments multiple times. On XX/XX/XXXX I had about XXXX in available credit so I made a purchase online for XXXX, which should have put my balance up to about XXXX. At XXXX with a credit limit of XXXX I should have still been under the limit. On XX/XX/XXXX I recieved and email stating I received a secure message to log in to my card account to view. When I check this message dated XX/XX/XXXX it states my credit is being decrease to XXXX claiming because of a change to my credit score. The next day XX/XX/XXXX I recieved another email stating my statement closing XX/XX/XXXX is ready to view. So I check it and I see the new decreased credit limit is showing on this statement ( two days prior to the letter ), and that I have available balance of XXXX dollar as of XX/XX/XXXX. I'm very confused for two reasons, first because well ok credit scores change all the time, but there are mistakes all the time. I understand credit companys use these tools to decide who and who not to extend credit to but I not applying for a new card I am card holder for close to a year now and I have proven to this company my credit worthiness with early and over minimum and even double payments. I have never gone over my limit or made a single late payment. How exactly does a random change to my credit score nullify all of that. Secondly why did my account show my limit as XXXX on XX/XX/XXXX if it had already been decreased? And why was I not notified until the XXXX? Why would a company lower my limit the same day or two days after ( which ever is actually true ) that I made a purchase that left my account balance over XXXX dollars over my new decreased limit? This bank has completely screwed me over, now I am going to be forced to pay close to XXXX by my next bill closing date just to be barely under my limit so I don't recieved an over the limit fee, an extra charge and my credit will not be dropped to a lower score because I have used all of my available credit. This is wrong, I can not believe this is legal.
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 15 USC 1681 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX 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 reasonable cause to believe that the information is accurate.
Product: Bank account or service

I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.
Product: Mortgage

For over 14 months Ocwen has had my misdated letter claim and refuses to process. 
Why have Ocwen senior management teams not had criminal charges filed against them. 
They have wrongly reported me as delinquent when I have a letter on Ocwen letterhead apologizing that for 3 years they failed to open a XXXX file which was in effect when they took over from Homeward Residential. My loan mod paperwork was lost time and time again. They refused to complete the loan modification since they could not find income verification paperwork. XXXX staff are XXXX and can not read XXXX. The executive committee are worthless as is office of Ombudsman. My home was scheduled for foreclosure in XXXX 2014 due to their error. I hired XXXX another bogus scam firm to get Ocwen to remove inaccuracies on, credit reports that are over 10 years old and the statute of limitations has expired. Month after month Ocwen continues to report incorrect information and XXXX is worthless. Yet ocwen continues to fail to remove these credit bureau reporting inaccuracies. I have complained to CFPB several times before with no results. Interest rates went as high as 18 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX FIN XXXX XXXX  XXXX XXXX  XXXX AUTO XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX BANK XXXX XXXX A XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX  ) XXXX
Product: Payday loan, title loan, or personal loan

I recived a very disturbing call from my son 's father stating they were taking my son away giving full custody to him because & to have him contact me for me to contact them? I contacted a lady who was rude & stated I allegedly applied for a loan on line over 5 years ago & did n't pay it back & that I would need to make a large payment today to keep my case from going to court and being locked up at my work place. Never once did I receive any correspondence nor do I even remember 5 years ago, although It does n't sound like something I 've did. The lady even told me I had a good back ground & did n't want this to end up on my credit however still needing to make a large payment. I stated to her again I have no clue what your taking about but please send me some info and I 'll review it and get back with you, even spoke with a manager who was suppose to email me documents, never recived anything and here it is again today she calls my son father again stated today will be the day I go to jail if I do n't contact her back. This lady have stressed me out not to mention I 'm with child. I want this harassment to stop for good and no that my son is safe. Please help
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 Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective action to prevent and address fraud on their platform leaving my account vulnerable furthermore their dispute process was deceptive and unfair under the electronic funds transfer act ( EFTA ) these actions have cause me financial distress and loss
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 : # 1903, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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

I settled a charged off auto loan with Westlake Financial in late XX/XX/2020. I do not know the date because they had me mail a cashiers check and I do not know the date it was cashed. I mailed the check on XX/XX/XXXX. However, Westlake Financial has continue to report the account as Charged Off on my XXXX Credit Report. I disputed with XXXX twice and they updated it twice with adding an additional month of Charge Off reporting. I called Westlake to handle and was left on hold forever. The account has had remarks from Westlake for 3 months that the account was settled but they keep reporting it as a Charge Off. Please have this inaccurate information removed.
Product: Checking or savings account

I ALREADY PAID WHAT I OWE BANK OF AMERICA BUT THEY STILL HAVEN'T TOOK ME OFF XXXX  AND WHEN I ASK THEM WHY I AM STILL ON IT THEY TELL JUST TRANSFER ME TO ANOTHER DEPARTMENT AND ITS NEVER ENDING.
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  - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX   Has violated my rights 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

I dispute was sent over XX/XX/2022, and Transunion have sent many stall letters refusing to correct the information on my consumer report. They are in violation of my consumer rights by not honoring my request and not obtaining my permission when it comes to removing information that invades my right to privacy.
Product: Checking or savings account

There is a company that I requested a loan from before, after they did deposit money into my account I realized hw high their apr was and paid them in full right the way and stopped business with them. However, just 3 months after on XXXX/2022, that company did deposit funds in my account I think ( I do not look at my account on a daily basis, I am busy and don't have to look when I Know that I am not applying for anything ), after that they started taking money from my account on a 1 week sometimes two weeks basis making it a total of almost {$4000.00} now, putting me in trouble and issues while I am busy taking care of my sick dependent. This means that they used my personal information, including my social to do request something I never authorized. I filed a dispute with my bank but they weren't able to help. so I filed a police report and identity theft. I was promised by the company that they will refund my money, but last time I spoke to them they said that they can only refund money from after the police report. I am planning on suing, but prefer resolving this in a smart manner instead cause I have no time for this. I need my money back including the damaged it caused to my credit report, bank account, delays in purchasing what was important for the house including food on our table. 
I emailed them 5 times with no response, I called them maybe 6 times, every time they say someone ( a supervisor ) will call me back, no one ever did, and every time I call back the representative says that the previous representative requested that someone calls you but the call was never made. ESPECIALLY TIME! MY TIME IS PRECIOUS AND WAS WASTED The company is XXXX XXXX. Address : XXXX XXXX XXXX XXXX, MT XXXX customer service : XXXX Resolution : credit report repair ( loan opened without my authorization ) my money refunded {$500.00} waste of time, energy, health, money, nd credit damage. 
If to go through court, resolution will probably be XXXX XXXX as this is fraud and personal damage and financial impact during crisis
Product: Debt collection

AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AR XXXX