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

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a XXXX party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

Capital One 360 ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Debt collection

For the last month or so I get repeated calls from various numbers looking for someone else. I have told them repeatedly I am not the person for whom they're looking, recently resorting to not very polite language. How can I get them to cease and desist. The company is American Express.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX XXXX : I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Debt collection

I sent a letter to paragon revenue group on XX/XX/2021 asking for them to cease reporting until they validate the debts they claim I owe and I havent received validation yet and they are still reporting which violates federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Mortgage

In XXXX the XXXX  XXXX  XXXX in their wise wisdom because I share the same name as multiple members of my family to designate me as XXXX XXXX, of which my credit report now indicate and relate. In XXXX I originated a mortgage with XXXX XXXX XXXX titled in the name XXXX XXXX, respecting the name on my social security card. In XXXX I originated a mortgage with XXXX XXXX XXXX in the name that I respond to XXXX XXXX, and in XX/XX/XXXX in refinanced in the name of XXXX XXXX through XXXX XXXX XXXX, all were VA guaranteed loans. 

In XX/XX/XXXX, I applied for a mortgage, having processed and given documents and a specific document that indicate that in XXXX I was known as XXXX XXXX, with social security number as it is. In XX/XX/XXXX, American Financial Network INC . Upon asking me about mortgages my father, my brother, my son have taken out, I realized that I had been compromised, that another characterization of my name was being used other then the one applied under, and my identity compromised. On XX/XX/XXXX, I received a appraisal listed under the name of XXXX XXXX, of which per the social security administration I haven't used since XXXX, which goes along with the other requests. Additionally they in their efforts to create a denial ask for a bankruptcy from XXXX, which is outside the requirement for justification by the VA, in such its almost six years  old, the VA justification is at two years. 

This company compromised my name, without regards to my application, but based upon their own acts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation this practice violates the fair credit reporting act ( FCRA ) 15 U.S.C 1681i, which mandates a responsible investigation of disputes furthermore equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File no.2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute with XXXX on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. XXXX immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with Experian but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}
Product: Mortgage

I applied for a small mortgage through Iberia Bank ( on XXXX XXXX in XXXX XXXX ) in early XXXX. I sold my current condo in order to pay off all of my debts ( $ XXXX ) and lower my monthly expenses. The condo I found was $ XXXX and I had $ XXXX cash to put down ( 50 % ). My credit score was very low so XXXX XXXX at Iberia Bank said that he could work with me to qualify for a loan because my debts would be paid ( see e-mail attachment # 2 ). He was hard to reach, did n't return calls, and the process dragged out for a month. My brother was willing to either co-sign or take on the mortgage himself as he owns a small construction company, several houses, and has a credit score of XXXX. So XXXX talked to him and asked him to submit all of his information ( XXXX pages in all ). 
He faxed it to Iberia on XXXX XXXX at XXXX. The next morning about XXXX I got an e-mail from XXXX . No greeting, no closing, just one sentence, basically " you do n't qualify and neither does your brother ''. ( See attachment e-mail # 1 ) No explanation, no signed form, no phone call. I 've attached XXXX e-mails showing this unprofessional ( and illegal in terms of nothing in writing? ) behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX  CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE CAPITAL ONE ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND XXXX AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}
Product: Mortgage

I have a claim with the mortgage company from the hurricanes. The insurance finally paid me in XXXX. I had to send the check to the mortgage company because they were also listed as payee on the check. On XX/XX/XXXX the mortgage company received the check. 

I have been calling weekly since then to get the money sent to me and they have still not released my money to me so we can rebuild our house. Every time I call its a different excuse as to why and I have to speak with a different person every time. 

I have asked to speak with a supervisor the last 4 times I called and they tell me they do not have a supervisor available but one will call me back. I have never received a call back from a supervisor. 
It is now XX/XX/XXXX and they are holding on to money owed to me to repair my home that is currently not livable. 
Please help!! 

Mortgage company is ServiceMac
Product: Debt collection

XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People. 

In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California. 
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan. 

XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )? 

After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX. 

I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year. 

IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account. 


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

I recently disputed the following accounts on my consumer report, and I was informed that after an investigation the accounts have not been deleted. It is impossible that these accounts were properly investigated because they are not reporting accurately across all three credit bureaus ( Transunion, XXXX, and XXXX ) by law my consumer report shall be at least 100 % accurate under USC 15 1681. Please delete these accounts as they are still violating my consumer rights. 

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: Money transfers

On XX/XX/2017 I sent money to XXXX using money gram. However when my receiver went to pick up the money to XXXX they were not able to give it to him due a expired IDI so he call me back and said he submitted his renewal idi but he will get it in XX/XX/XXXX way to long so next day I called money gram and since that day I am still calling them every day 3 times at day and every time I have to explain them the same situation some of them had told me I am receiving less then what I 've sent so but at the end always they have been telling me the refund is pending, call back in 45 minutes. Or 48 hours or next day or tomorrow or let me transfer you. Then they hang up or said the same thing. I am afraid they end up not giving me my money back neither my receiver in XXXX. Please help me in this matter because I am getting upset about this situation and there is no one in moneygram staff that has been able to help me and give me my money back is been a week already. Thanks
Product: Money transfer, virtual currency, or money service

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

I made a purchase from Bose.com on XXXXXX/XX/2022 for {$500.00} under order # XXXX. 
The order never shipped, so I cancelled the order, however, I was still charged for this purchase from XXXX and the full amount was deducted from my checking account. 

I contacted XXXX and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact Bose to resolve the issue with them. 

I then contacted Bose and was told that XXXX is responsible for the refund of my order and that I would need to contact Bose for a refund. 

Neither company is taking responsibility and I would just like a refund of my {$500.00}. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reportin gAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, money was withdrawn from a checking account in the amounts of {$2900.00} and {$1600.00}. We discovered this on XX/XX/XXXX and immediately called the bank. On XX/XX/XXXX, I received a Chime debit card in the mail issued in my name to my address. I called Chime on that date. It took the 2nd call before I was able to reach someone who ultimately indicated that he had that card/account cancelled. After we closed the bank accounts with the original bank # and were issued a new account #, the 2nd unauthorized withdrawal happened on XX/XX/XXXX. Immediately after this withdrawal I received two more Chime debit cards at my address in my name. I have XXXX. They got on the phone with me and XXXX whereby we gave them the three account numbers, routing numbers, and card # 's. Two of the supposed debit cards account numbers were through XXXX Bank while the third was through XXXX. ( I would like complaints registered with these XXXX banks as well ). We asked for Chime to cancel all three accounts. On XX/XX/XXXX, a XXXX agent and I got on the phone again to follow up with Chime to make sure the accounts were cancelled. One agent told us she could only find one account with the numbers we gave her and indicated she was transferring us to a higher level agent that could further assist. We were disconnected and tried a XXXXnd time where another agent indicated she was transferring us to someone who could help us and we were disconnected once again. Chime continues to ignore us or give us definitive information verifying all three cards/accounts have been cancelled. At one point, we were told, the information did not match their records and they could no longer assist.
Product: Debt collection

In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf Portfolio Recovery Services LLC, who purchased the account from, XXXX XXXX XXXX XXXX XXXX 
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort. 
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}. 
I created the account in XX/XX/XXXX. I ordered a sectional from XXXX XXXX XXXX, through XXXX XXXX  XXXX. This was a XXXX term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the XXXX XXXX, XXXX XXXX XXXX account, once I received the sectional, XXXX month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months. 
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was XXXX  with COVID.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick. 
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made XXXX payments by this time. 
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail. 

Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the XXXX payment, after I made XXXX  months ' worth of payments and they are suing for the full amount of the sectional. 
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since. 
However, I received yet another citation from the civil court, this afternoon, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Product: Checking or savings account

XX/XX/19 I contacted capital one about funds I deposited into this account that is now being held due to Capital one not being able to verify me. 

If CAPITAL ONE have all of these technologies to verify someone identities than they need to do so prior to allowing someone to get approved and allow them to submit money into the accounts just for them to hold people money is wrong. 

They stated they wanted me to contact the SSA to verify my ssn. They asked questions regarding me, they sent codes to my phone to verify me to still tell me Im not who I say I am and just hung up. 
I have XXXX thats is being held. I asked them to release my funds and close my account The continuous treatment this company display is horrible and due too that I no longer want to hold an account with this company I want them to release my funds immediately