23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

***Mailing full complete credit card statements including full account number, name and address and details of the account over a year after the account was closed. Security breach opens client and bank up to fraud. *** I have been in the finance industry for 30 years. Starting out with XXXX XXXXXXXX XXXX on the teller line and continue my career into the mortgage sector in the XXXX. I've been through the XXXX crash and I know how easily fraud can occur. I even wrote a book about the mortgage loan process. I also hold my broker 's license in XXXX and XXXX. My husband works for a merchant processor in security, for credit card companies. He runs their Technologies division. We are both horribly alarmed at the policies of Union Bank. 

They had closed our account a year ago which is fine. I understand they were probably concerned about covid-19 as it was just breaking out around this time. Knowing the account was closed was fine, XX/XX/20. Over a year later, XXXX, I get a bank statement with its complete account number, all of our information including address and name. I called Union bank just to be informed that they will mail out bank statements just like this anytime they have a policy change. Yes they will mail these out on closed accounts. Yes they will continue to mail it to the last address on record for up to seven years. This policy is flawed and needs to be corrected. I have never in my career ever seen this happen.

Again I am a professional of 30 years in the finance industry and very alarmed at the behavior and policy of Union Bank. If this policy has been implemented in recent years I would strongly discourage it and ask for reconsideration for Consumer Protection.

We have a situation now also because a lot of folks have passed away during the pandemic. Mailing out bank statements on accounts of the deceased, even if the account is officially closed, is opening up for liability, fraud, and exposure. I would think Union Bank would have a lot more sense in this. They are huge and they should be more aware of what kind of problems this could create and more than likely already has. 

In doing my homework, I looked at XXXX reviews to find one star and several complaints of accounts being closed and consumers subjected to fraud already. Numerous complaints of identity theft. This is how it can happen. Thank you for taking care of this matter and having Union Bank change its policy. Furthermore remedying any other policy like it that other banks are using. This is dangerous to the consumer and to the bank because people could fraudulently be opening accounts with this information. 
Thank you. XXXX XXXX XXXX, author of " XXXX XXXX XXXX XXXX '', XXXX # XXXX, WA # XXXX, Firm # XXXX, NMLS # XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems did not sent me any verification by email or mail letter to show that the debt was my. I have disputed this debt through XXXX show as verify with out any proof of information that was ask by mailing letter and digitally uploaded, and yet did not show me any proof of letter of my signature that I own on this debt I already have been asking for the verification letter over pass 60 calendar days, but yet again and again Jefferson Capital Systems fail to show me any proof of verification of the debt, and keep reporting on my credit report as verified. Jefferson Capital Systems continue to be little consumers this company conducting the business is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to check my XXXX XXXX  report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXX XXXX in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3.quality asset recovery L in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX//2022 I received a casino payout in the amount of {$3600.00} to my PayPal account. Seconds later PayPal closed the account, and is holding these funds ( in case of a dispute made on the transaction. ) this was in a purchase made it is a payout it can not be disputed. I have never had disputes in this account. I have used it for months for the exact same reasons. PayPal customer service rep told me they can not hold this money. When I called back to see why it hasnt been released yet another rep told me I was misinformed by the first rep and the date of release if they allow it is XX/XX/2022. I have offered to have the casino call them they told me this wouldnt help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA,XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this supplemental complaint is to inform CFPB the initial complaint XXXX was submitted on XX/XX/XXXX and a demand to comply was sent via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no resolution up to this date. Equifax has been given sufficient time per the FCRA and they must delete all negative items submitted in the aforementioned complaint due to their inability to verify the late payments. I should also note, that Equifax should not be allowed to use a previous dispute and deem this complaint verified per their last investigation since it has taken more than 60 days to verify and the law states they must remove unverifiable items off consumers credit report within 30 days.
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. Experian is a consumer reporting agency and I am the Consumer. 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. '' Experian is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institutions and the Consumer reporting agency Experian does not have my consent to furnish this information and they surely do not have my written consent. Any all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nompublic personal information to a nonaffiliated third party the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies 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 is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 168Ib of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' All of these laws and my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent experian, XXXX XXXX XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last three months ( XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.
Product: Credit reporting or other personal consumer reports

I believe this collection account is inaccurate or incomplete for the following reason In accordance with 15 U.S.C. 1681i, I am requesting that the collection account listed above be investigated and removed from my credit report if it is found to be inaccurate or unverifiable. If the collection can not be verified within 30 days, it must be deleted from my credit report.
Product: Mortgage

XXXX I Defaulted on my Bank of America Mortgage XXXX BOA  gave to XXXX to service XX/XX/XXXX I completed a Loan MOD to save from Foreclosure thru XXXX  XX/XX/XXXX an escrow analysis was done ( as it is every year ) It was calculated incorrect. When my MOD  was done, I was given a XXXX yr repayment for outstanding Escrows owed. It took me a month to prove and talk to someone that could comprehend and fix this. 
XX/XX/XXXX Loan gave back to Bank of America XX/XX/XXXX My Taxes went significantly down and escrow were recalculated. Im now in the same boat from XX/XX/XXXX, only worse. BOA is telling me to prove the XXXX yr repayment of prior outstanding escrows. I told them to contact XXXX ( the Manager who helped me ) But they seem to not want to. My Hard Drive crashed XX/XX/XXXX and I now dont have the MOD requirement sheet that stated info about the escrows. I have made a payment with what it should be but Bank wont apply to my loan. So now we sit at a stand still until they fix their issue! The difference in correcting is {$100.00} mth
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For the past weeks, I have been receiving telephone calls from Navient representatives. I have asked not to be recorded. Navient representatives continue attempts to record me without my permission to do so. Each time I receive a telephone call, Navient representatives ignores my request of not wanting to be recorded. For example, Navient representative telephoned me again this morning ( XX/XX/2019 ) at approximately XXXX XXXX, Eastern Standard Time stating that it is their standard policy to record their telephones. I have asked Navient representatives to contact me only in writing. I ask that Navient representatives to stop calling me. I am being harassed and will not permit it to continue, I will take legal action. I have already responded to their correspondences and made loan payments as scheduled.
Product: Mortgage

I closed on my refinance XX/XX/2020 the notary came to my home I signed all legal documents for closing and the documents are notarized. For the following two weeks the mortgage company called me to schedule a closing which I informed the company each time I already closed on XX/XX/2020.Lack of communication between the departments within the mortgage company. Also I was to receive a refund of {$300.00} no later than XX/XX/2020 from the mortgage company which I did not receive so I called the mortgage company on XX/XX/2020 inquiring about my {$300.00} and at that time I was informed the mortgage company made errors and information on my file was vague incorrect blank. Once again not my fault. The mortgage company gave the ok to the notary to come to my home and close the deal.Now at this point it worsened the nightmare I already been experiencing with the company. From XX/XX/2020 till XX/XX/2020 I called to discuss the issue the company was having I have gotten zero answers and the problem is still lingering like a bad headache. I left messages no one called back. I did everything I was suppose to do and quite frankly someone at the mortgage company needs to take accountability for the errors, lack of communication, unprofessionalism, waste of my time, and ultimately a living nightmare.
Product: Checking or savings account

I opened my account with Truist on XX/XX/year> under a promotion they had. They would give you {$400.00} once the account met the direct deposit requirements of XXXX deposits a month for 2 months. I met these requirements. They first told me that the promotion code was invalid. The lady I spoke with was supposed to fix that and I should hear something back from them. I was notified today that I was again denied the {$400.00} due to transactions that were not part of the promotion. I have kept my account current and my pay is direct deposited. I have done everything they asked and want the {$400.00} they promised me!
Product: Credit reporting or other personal consumer reports

bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX  Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 institutions and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable.
Product: Consumer Loan

Around XXXX of 2016 I applied for a loan and was denied because they stated that I was behind on my auto loan with 5th 3rd bank. I stated that I was not, so I called them up and they stated that this was because they put insurance on my vehicle. I informed them that I have always had insurance. As I am an insurance agent. So she stated that she would get it all corrected and have a letter sent to the credit bureau fixing the situation. Then the next month I get a letter stating that I was delinquent in my account. So I again call up and finally speak with XXXX XXXX who says no it has n't been corrected to please email copies of my insurance XXXX pages. I do ask instructed, after a couple hiccups I get an voice mail message from XXXX XXXX stating that everything is correct and that I actually do not owe anything until XXXX XXXX. I call back and verify this with him again. Then I wake up on the morning of XXXX XXXX, 2016 to find that my car is missing. I call the police where I am informed that it has been repossed. I have to wait until XXXX to get anything started. I call the bank and they tell me that I owe back money and I am not even allowed to talk. I keep getting over talked and told over and over that they are going to hang up the phone on me. I finally get to say what is going on they state they will have to do research but do not make any indication that they are going to make this a high priority since it was their error. I ask for a manager to call me back. I was told one would in 15 to 20 minutes later. We are over 24 hours and still no return phone call. After another round of phone calls at almost XXXX. I am told that they have figured out that this was in deed a " bank error '' but that they can not guarantee that I will get my car back today. When I stated that this was not an acceptable answer as my husband and I are both out a days pay due to this we could not have this go into another day. I was speaking with XXXX employee number XXXX who kept stating that he was doing me a service in helping me get my car back from it being wrongfully repossessed. Again he talked over, and down was very insulting during this phone call and hung up on me. I called back and asked to speak with the supervisor where I was told that they were the highest level of authority that I could speak to. I finally was able to talk with a supervisor XXXX XXXX, who was the first XXXX in all the day who treated me with any kind of decency. He told me who he was first and last name, his direct contact plus department line and made sure that I knew every step he was doing to get my car back as it should of been. I have never been made to feel so violated in all my life as I was by this experience. The bank had all the power over something that I had worked so hard for and have been making payments on for years ( I only have about 8 months of payments left ) and then to top it all off to be made to feel like no would listen to you nor be even a little empathic towards what it is you are going through or to even put on a front as to that they want to right a very big mistake.
Product: Checking or savings account

Iam locked out of my account when I was making withdrawals there was plenty of money in my account i tried contacting them my o hone nuber changed i sent them emails my ca drivers license my photo I have sent everything they asked for they keep se n ding me codes nothing is working 10bdays this has been going on and they don't call me I c a nt call them my phone number is not recognized this is the worst on l ine bank I have ever dealt with