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

This is in reference to : XXXX XXXX XXXX XXXX Account ending in 1906 Balance due : {$4800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
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 measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, 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
Product: Student loan

Dept of Ed / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Reported I owe {$4100.00} This does not belong to me please have this removed from my report. 
Please have them send me the application that requested this loan so that I Can file a police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX  for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX -Portfolio Recovery Associates for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Product: Credit reporting or other personal consumer reports

I realized that this account was opened as a result of an Identity Theft in XXXX XXXX XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX XXXX XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} IMMEDIATELY!!!
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally request your assistance in recovering funds from a disputed transaction involving Zelle. Despite my efforts to resolve this matter directly with my financial institution and Zelle, I have not received a satisfactory resolution. 
I believe the handling of my case is inconsistent with the protections consumers deserve under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Although Zelle transactions are considered authorized payments, consumers should be protected from fraud and unauthorized transfers. 

I am seeking the CFPBs assistance in holding my bank and Zelle accountable and recovering my lost funds. Additionally, I hope my experience highlights the need for stronger consumer protections for Zelle and other instant payment platforms. 

Thank you for your time and attention to this matter. I look forward to your guidance and support in achieving a fair resolution.
Product: Checking or savings account

Back in the XXXX XXXX XXXX  I XXXX someone with my PNC account someone who scammed me and the bank couldnt help me. I tried to tell them it was a scam but they kept denying me and I was out XXXXXXXX XXXX
Product: Credit reporting

TRANSUNIONIS PREVENTING ME FROM BUTING A HOME/ AS YOU WILL SEE FROM THE ATTACHED DOCUMENTATION XXXX HAS UPDATED MY FILE WITH THE DELETED ACCOUNT IN ADDIITION TO MY NUMEROUS REQUEST TO HAVE XXXX DELETED. 
According to the information given to us by your firm, the date of last activity by the ORIGINAL CREDITOR WAS IS NOT LISTED ON MY CREDIT REPORT ONLY THE DATE OF YOU PURCHASING THE DEBT. The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 10TH REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 10TH REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 10TH REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 10TH REQUEST ) Name and address of alleged creditor. ( 10TH REQUEST ) Name on file of alleged debtor. ( 10TH REQUEST ) Alleged account number. ( 10TH REQUEST ) Address on file for alleged debtor. ( 10TH REQUEST ) Amount of alleged debt. ( 10TH REQUEST ) Date this alleged debt became payable. ( 10TH REQUEST ) Date of original charge off or delinquency. ( 10TH REQUEST ) Verification that this debt was assigned or sold to collector. ( 10TH REQUEST ) Complete accounting of alleged debt. ( 10TH REQUEST ) Commission for debt collector if collection efforts are successful. ( 10TH REQUEST ) Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. ( 10TH REQUEST )
Product: Checking or savings account

On Wednesday XX/XX/XXXX I went into a Wells Fargo on XXXX XXXX XXXX and asked a teller to check my eligibility for the reimbursement. I was promptly turned away without her even checking even though out of billions of clients Im sure a few slip through the cracks. Ive had an account since 2012 or something like that so Im positive Im eligible.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their repeated refusal to investigate inaccurate items on my credit report, despite my efforts to rectify the situation. 
On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite providing my Government ID, proof of address, and a copy of my social security card to verify my identity, TransUnion has refused to conduct the investigation. 
I received a response back from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion 's refusal to investigate the disputed items has caused me significant distress and financial implications. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel TransUnion to fulfill its obligation to remove the inaccuracies on my credit report permanently under the FCRA guidelines. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Debt collection

XXXX - XXXX, XXXX XXXX XXXX {$260.00} MCA MANAGEMENT COMPANY XX/XX/year> I'm XXXX, disputed XXXX FYI : It's XXXX  facility Please acknowledge my complaint respectfully.
Product: Debt collection

the collector reported {$1200.00}. I sent out date validation request letter last month with certified mail and requested to remove the credit report. so far they did not do anything about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!
Product: Vehicle loan or lease

I had a vehicle that I got a loan for and I paid money on the loan lost my job about 8 months after I got the loan they ended up repossession my vehicle I never got any notice on anything after they got my vehicle back in procession. And now on my credit report that have the original loan amount as to what I owe on the vehicle and won't tell me what happen to my vehicle. If I was sold how much it was sold for nothing. I can't get them to tell me anything. I believe that this loan should be completely removed from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act The following XXXX accounts has violated my rights : XXXX XXXX XXXX ending in XXXX and XXXX. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 15 US Code 1681a ( d ) ( 1 ) ( 2 ) ( a ) ( i ) states that a creditor may not furnish a report of a consumers transaction history. The Privacy Act of 1974 states that Financial institutions shall keep private customer transactions history.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : 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: Bank account or service

I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown collection account which I was never informed of until it hit my credit report. I have disputed it several times with nothing being received as far as validation. I do not owe this company {$40.00} please help
Product: Checking or savings account

Sometime last year, someone did fraud on my savings account they took out about {$1500.00} XXXX XXXX, I can't remember dates but it was upsetting to find out that Wells Fargo could not help me on this, I lost that money due to fraud. They hack my phone and my savings account. I had to close my account and open a new account. Wells Fargo said that I gave sent the money to them, which they are wrong. I hope you help on this. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got a notification of a collection on my transunion credit report and called immediately to the collection agency princeparker. They could not identify me by my name, address, telephone number and my information did not match the collection except for the ssn. I had my ssn stolen and have had several attempted attempts to open credit cards and loans in my name. My file is locked. I have a current XXXX XXXX XXXX account which is an always has been current for more than 20 years. The thief was able to use my ssn to open some sort of account somewhere unknown in XXXX for {$230.00} which went into collection on XX/XX/XXXX. I demanded that this account be removed from my file since it was obviously a fraud and the agent hung up on me after demanding that I pay the account in full before they could verify the debt, Agent did not follow through on verifying the debt bc the identifying information that they have on file is for the thief and not me. I want this item removed ASAP. I immediately filed a dispute with trans union but trans union has not removed the item from my report after contacting princeparker. Trans union has not given me a reason why item is still XXXX my report and says that my dispute while complete the information is unavailable to me. I contacted trans union again today and they were unhelpful. Filing this separate complain against trans union based on these facts. I have no information other than what is listed on the credit report for this collection as I have never been contacted by the collection agency or XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

CONTACT INFORMATION XXXX XXXX XX/XX/year> Dear CFPB Team, I am writing to formally lodge a complaint against Chase Bank regarding the prolonged withholding of my funds for over 30 days. My account has been subjected to numerous and conflicting responses from customer service representatives, leading to considerable frustration and stress. Despite my repeated attempts to resolve this matter, I have encountered significant obstacles. Some representatives have stated that certain verification numbers could not be used, while others indicated they were acceptable. This inconsistency has made it exceedingly difficult to achieve a resolution. Ive answered question after question, have done verification steps after verification steps.. WITH BOTH COMPANIES.. yet NO RESULTS!!! Furthermore, one agent suggested that I would need to obtain verification from the CEO of a multi-million dollar company, which is both impractical and unreasonable. Throughout this process, I have felt unfairly treated, as if I were a common criminal rather than a small business owner attempting to access my funds. Ultimately I am being led in circles and just want my funds.. I no longer want an association with this bank due to this horrible experience.. I am still without MY funds!
Product: Credit card or prepaid card

The account is in my name but it is not my debt. The account was opened by a family member and they stopped making the payments and now the account is in collections. I would like to have the account removed because it is negatively impacting my credit.
Product: Credit card or prepaid card

I have been attempting to resolve Bank of America ruining my 16-year perfect credit/payment history because of their XXXX app malfunction since XX/XX/XXXX. 

Bank of America 's XXXX app had an update XX/XX/XXXX and since that date none of my payments that I have made went through. 
I have a screenshot on the XXXXXX/XX/XXXXstore of the XX/XX/XXXX update reporting that they made changes to the payment section! Initially when making payments the app prompted me that payments were placed, but two months later I finally answer the phone to a telemarketer scam phone number and it turned out it was actually Bank of America/collection agency saying that I've missed two months of payments. My Bank of America account never reported any notifications, I check it consistently throughout the week. 

They reported they had no trace of me even logging into the app for XXXX and XX/XX/XXXX and that I never even sent or received a payment. So no trace of my money disappearing, and no trace of me being refunded for the payments I made. 

This has happened to many other people if you read the feedback on the XXXX XX/XX/XXXXstore. I have screenshots of the very same payment issues being sent through that app. Reports were that people 's payments were being sent but there was no trace of them and they were occurring hefty late fees. Also the XX/XX/XXXX has reportings of the same issue of payments disappearing and not being made! 

I have had perfect credit for 16 years, never a single missed payment. I have been with Bank of America since XXXX with never a single missed payment! So to have two consecutive months in a row with missed payments is not true! I have all of my payment apps in one folder on my XXXX phone. I checked my other credit cards which I made all of those payments on the same exact day that I made my Bank of America payments, they all recorded the history, but Bank of America did not. 

Bank of America turned a perfect payment customer since XXXX with a perfect payment history into the credit reporting agency and they ruined my perfect credit history of 16 years over something that they did!! 

I was billed {$330.00} a second time because they had no trace of the first transaction even happening. When I called the department, they said that I had never logged into the app during the months of XXXX and XXXX, however I have proof that I made a payment to a friend XX/XX/XXXX and XX/XX/XXXX using the Bank of America XXXX app! 

There's no receipt of Bank of America credit card payment going out, but there's also no receipt of the money getting refunded. In this case the customer is right. 

The XX/XX/XXXX closed my complaint because Bank of America said they were resolving the issue. Bank of America has never even attempted to call me or get in contact with me in any way after they got their money and ruined my credit! Complete lies just to get the case closed!
Product: Mortgage

I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.