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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via electronic mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages caused.
Product: Credit card or prepaid card

I had fell behind on my Citibank credit cards, I was able to bring one account back current, so I started working on the second card. I went on the mobile app to make a payment on XX/XX/XXXX, I noticed that my account had been closed without my knowledge, I had not received letter nor and email about my account being closed. So, I contacted Citibank immediately, the agent that answered the phone was not willing to listen to my complaint, he kept asking me, had I received a email about my account being closed, I informed him that the only email that I'd received was that I could call to get my payments lowered down to XXXX a month, nothing about my account being closed. He informed me that my first card was closed on XX/XX/2023, and that my second card was closed on XXXX XXXX, I asked why first card was closed when I was back in good standings, he had no answer for me. I asked to be transferred to a manager, he kept me on hold for over two hours then he hung up on me. Since my accounts have been closed Citibank has continuously been reporting me delinquent to all three bureaus, I still have not received any letters mentioning the reasoning behind closing my accounts. As of today, the card number ending in XXXX which was caught up with the balance XXXX with a credit limit of XXXX as XX/XX/2023, today 's balance on this card is XXXX. My second account ending in XXXX balances as of XX/XX/2023, was XXXX. As of today, my balance shows XXXX. I have attempted to call to resolve this matter with not success, I have disputed this with the credit bureaus. This has affected me significantly. Please help me. thank you
Product: Student loan

I am a cosigner for Sallie Mae loans for XXXX sons, XXXX in college and XXXX graduated. I am paying the loans online monthly manually. I routinely pay them at the same time together. I pay them from the same personal checking account. The past few months, one of the payments is always rejected, the one that I make last. I have called customer service on multiple occasions and they refuse to help. They can not explain and they refuse to allow me to speak to anyone else. My bank is not rejecting the payments and in fact is not receiving the second payment withdraw request. I normally have a balance of several thousand dollars so there is never a low balance issue.
Product: Checking or savings account

Successfully added link to external account at another bank by fulfilling all online processes including validated test deposit amounts. Scheduled single transfer from Chase checking to that external account via Chase web portal. XXXX came up flagged for review. Received phone call to validate transaction. Answered all questions correctly to validate identity of both people on account, and answered a whole additional panel of questions to detect any coercion and fraud. After every question asked was answered correctly, was told by Chase agent their verification system had failed and we would have to call their fraud number back and complete the validation with them. We did this and finished this process successfully approximately XXXX XXXX and were told everything was good and the hold on our transaction was removed. However, when I logged into the Chase web portal, I saw that the transaction had been cancelled, and that the external account had been unilaterally deleted. This kind of unilateral action to block a client 's access to their own money with no justification is a violation of the basic fiduciary responsiblity of a bank. Furthermore, we have now made the formal request to close our accounts and are being told the only method is to visit a bank branch, of which there are none within a XXXXXXXX XXXX XXXX  of our rural Mississippi home. Forcing a XXXX man who can XXXX XXXX and XXXX XXXX XXXX XXXX XXXXo go to a bank branch to close his account would add elder abuse to this saga. Chase case number is XXXX. Phone number to XXXX office to which I escalated this complaint is XXXX.
Product: Credit reporting or other personal consumer reports

Experian is reporting this account inaccurately. They are violation consumer law of 1. 15 USC 1681 SECTION 602 explicitly affirms my right to privacy, a right you have evidently trampled upon. 
2. 15 USC 1681 SECTION 604a SECTION 2 unequivocally states that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions, instructions which I have never provided. 
3. Pursuant to 15 USC 1666b, it is mandated that creditors can not deem a payment late unless they have adopted reasonable procedures to ensure timely delivery of periodic statements, procedures which your agency has evidently failed to uphold.
Product: Money transfer, virtual currency, or money service

I have a complaint about the company coinbase. They are an online platform for purchase of different crypto currencies. I signed up with them on or about XX/XX/21. 
Long and short of it is that they proved useless for my purposes of investing. Have been simply trying to get my XXXX deposit back and have not been able to do despite repeated efforts to do so. 
Now my account with them is locked and they have my money. I want nothing to do with them any further and just want my money back.
Product: Debt collection

After carefully going over my recent credit report, I found several unauthorized accounts that seem to have been added incorrectly.
Product: Mortgage

The mortgage statements with this complaint shows Wells Fargo using XXXX different states. XXXX XXXX XXXX XXXX XXXX The statement XXXX from XXXX show the XXXX accidental death insurance, thXXXX XXXX XXXX doesnt. The payment amount is XXXX on both statements. The XXXX on the XXXX statement is completely different then the XXXX and XXXX fees on the XXXX statements.
Product: Credit reporting or other personal consumer reports

Me and XXXX XXXX were divorced in XXXX, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over 20 years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since XXXX. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXX 's, solely.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also enabled 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

XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY EQUIFAX CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY XXXX  CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX. 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Product: Credit reporting or other personal consumer reports

XXXX HAS ALLOWED XXXX XXXX TO REPORT AN XXXX ACCOUNT ON MY CREDIT REPORT. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO DO AN INVESTIGATION. XXXX / XXXX FAILED TO PERFORM AN INVESIGATION. THE INNACURATE ACCOUNTS HAS BEEN DAMAGING TO ME. PLEASE REMOVE BOTH ACCOUNTS IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information .Transunion XXXX Please delete the following accounts : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, CAPITAL XXXX XX/XX/XXXX, XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
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 : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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

XXXX informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help
Product: Credit reporting or other personal consumer reports

It has a account on my credit report that is stopping me from getting other things from my credit to pay it off also I see a lot of inquiries I never did
Product: Checking or savings account

My father, XXXX XXXX died on XX/XX/2023. He has a deposit account at JP Morgan Chase, and his Social Security benefits were deposited into his account at JP Morgan Chase. I am the beneficiary on his deposit accounts at JP Morgan Chase. Upon his death, and his Social Security direct deposit in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account. I was informed that it is the policy of Chase to HOLD THE FUNDS for ( 6 ) Months. Then I was informed that I needed to get a form from Social Security proving the funds deposited were his. However, Social Security does not deposit unless you are an owner of the account. Social security stated that there is no such form. I informed the manager of this, and she stated that it actually is a form from JP Morgan provides, but REFUSED to provide it for me. There is NO reason that these funds should be held. I am the beneficiary, I provided his death certificate, and these funds should be released to me at once.
Product: Bank account or service

I am highly concerned by the actions of Capital One. They have now called me for the fourth time today wanting to talk on a conference call to my bank, they want me to verify name, bank accounts that I use, ownership of accounts, and information over the phone. I have spoken to the corporate offices and they tell me there is no record of these calls and they are " so sorry. '' However, everytime they have threatened to restrict use of my credit card even though it has an over payment credit on it, and they stop all useage of my card each time. They force me to have conference calls with the bank AGAIN, and give them all information then they release the hold of my funds. My concern is the lack of recording all these episodes and even when I speak with a supervisor they tell me that there are no " notes '' in the files to documentation. 4 conference calls to XXXX to hear me say all my confidential information. The Capital One employee on the phone as I write says she can not say what the problem is, '' there are extensive notes. '' They leave me on hold for 17 minutes while they 'look up '' the number for XXXX . There is concern on my part for the unprofessional conducting of business that has created over 6 documented hours of time with Capital One or they threaten to restrict my account. This company is not up to the banking standards I would expect from a company that handles banking transactions when they take payments, lose payments, find payments, return payments and can not keep notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel XXXX  and Equifax are taken advatage of me and ignoring my request as it has been over 60 days and section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. XXXX  has investigated and has deleted the disputed items off my credit report. XXXX  and Equifax has repeatedly ignored my request and are reporting inaccurate items on my credit report. I am demanding the deletion of the items in dispute or I will file for litigation against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I have written to TrasUnion on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. Let this be a formal complaint against TransUnion. 

The following accounts are the items the credit bureau has refused to investigate : XXXX XXXX # XXXX XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . Remove these erroneous items immediately. 

Sincerely, XXXX XXXX
Product: Mortgage

My home is set for property foreclosure XX/XX/2019. I recently faxed to my mortgage servicer request for mortgage assistance. I have attempted to acquire the mortgage company assistance several times for the last year and a half. They have been unwilling to assist me with saving my home. The notice I received from the foreclosure attorney was not received 30 prior to the sale date being set.

Tennessee Las state the property owner is to receive 30 business days notice prior to property foreclosure sale.

See Attachment Please Please Help
Product: Mortgage

We have been trying to get a loan modification with Chase Bank since XXXX XXXX, XXXX. We asked for a loan modification and a reduction in principal since we have been paying a interest only payment from XX/XX/XXXX through XX/XX/XXXX. They would not work us at all, however in XXXX Washington Mutual who was the original lender assigned the deed to Chase even though Washington Mutual went out of business in XX/XX/XXXX. We are asking for a reduction in principal and forgiveness as we can not afford the payments on this XXXX mortgage / heloc. We are asking for relief and help in this case.
Product: Credit reporting or other personal consumer reports

Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXX  number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Debt collection

I closed my account with XXXX in XX/XX/XXXX and had a balance due of {$680.00}. I received a letter from dated XX/XX/XXXX which stated they would be sending it to collections. I made a settlement payment of {$300.00} on XX/XX/XXXX. 
I received no further communication from XXXX or anyone else. 

In XXXX I noticed a new collection account on my credit report for {$870.00} from Diversified Collections. When I tried to contact them, I was told it was a new debt, which I knew wasn't true. 

I was finally recently able to contact XXXX and told by them that they had charged off the debt XXXX XXXX. XXXX and sent it to collections XX/XX/XXXX.
Product: Debt collection

This is adding on to my claim already submitted for XXXX I wanted to add another document to show my on time history.
Product: Checking or savings account

On XXXX XXXX I filed a dispute for some charges on my account I didn't make. I went and checked on it XX/XX/year> only to see my account was locked. I called my bank for them to tell me my account is being closed for violation of agreement but no other info. I have money in my account and need access to it asap to pay bill but was told it could be up to 30 days before I get it. That's too long to have to wait for my money. My bank is SOFI Bank
Product: Credit card or prepaid card

I received a letter in the mail indicating I had been approved for a credit card, including my credit score. I also received an actual card. I never applied for a card with Capital One or any other credit card company. When I contacted Capital One, they indicated they already had restricted the card because they suspected fraud. Cpaital One indicated they would place the account under investigation, close it, and notify the credit bureaus of the error. Running my credit without my authorization reduced my overall credit score and Capital One told me their reporting would resolve that issue. I am following up with CFPB as I have NOTHING in writing from Capital One regarding this and am now afraid that I am the victim of identity theft. If they suspected fraud, why would they run my credit and issue a card? The case number with Capital One is # XXXX. What can be done to ensure that companies who suspect fraud do not continue to injure consumers by continuing to process an account they believe may be fraudulently obtained?