23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent, I am writing to express my profound dissatisfaction and formally dispute the mishandling of my account closure and the subsequent, unacceptable communications regarding my account. My name is XXXX XXXX, and I have been unjustly receiving monthly statements for an account that was supposedly closed. This situation is not only frustrating but also a blatant violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), particularly in light of the recent data breach affecting multiple financial institutions. 
Violation of Due Process and Inadequate Notification I was assured that Alliant Credit Union would follow up with a call to clarify my account closure and discuss resolutions. This assurance was empty ; no such communication occurred. Instead, I continue to receive statements, with the latest dated XX/XX/year>. This neglect in communication is not just unprofessional but a direct violation of procedural fairness mandated by federal consumer laws. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, financial institutions must maintain accurate and timely information about customer accounts. Your failure to cease sending statements after closing my account, coupled with inadequate communication, constitutes a clear violation. This erroneous reporting has caused unnecessary confusion and potential harm to my credit profile and financial standing. 
Violation of the Gramm-Leach-Bliley Act ( GLBA ) and Consumer Data Protection In light of the recent data breach involving Alliant Credit Union, it is alarming that I continue to receive communications for a closed account. This breach has compromised sensitive information, demanding immediate corrective action. Under the GLBA, you are obligated to ensure the confidentiality and security of customer information. Your mishandling of my account information, especially amid this data breach, underscores severe negligence in data protection protocols. 
Demand for Immediate Corrective Action I demand that my account be reopened immediately and all erroneous records related to its closure be corrected without delay. Additionally, I require a comprehensive investigation into why I did not receive the promised follow-up call and why statements continue despite the closure. 
Failure to resolve this matter promptly will compel me to escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action based on the violations mentioned above. 
I expect a response within 14 days of receiving this letter, as mandated by federal regulations. Your immediate attention to this matter is non-negotiable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.
Product: Checking or savings account

On XX/XX/2023 in the early mornings someone that had stolen my phone transferred/XXXX  XXXX from my Bank of America accounts . Was done from XXXX different accounts. The same person also stole all my bitcoin money from my XXXXXXXX XXXX and ran up my credit cards that were inside my phone case. Bank of America refused to give the funds back. I filed a police report but have not had any luck with it being in the city of XXXX. Was told they have more important things to worry about. I would like to receive my Bank of America funds back that was not authorized by me using XXXX. I have the persons phone number that the funds were sent to. I believe I also know the persons name and address. After getting a new phone my XXXX had a different home address. Would also like this person to get in trouble. It took place at XXXXXXXX XXXX  and I have learned this is EXTREMELY common at this location since happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, XXXX XXXX XXXX, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with Equifax, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe XXXX XXXX XXXX any money, nor have I made any payments to them since XXXX. Equifax is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.
Product: Money transfer, virtual currency, or money service

Zelle 's app isn't able to work properly on ios 10 or higher per customer service rep. Because of this, I am unable to access funds from a settlement through Zelle because my bank won't allow Zelle to be used because of their unwillingness to refund when scammed.
Product: Vehicle loan or lease

I work at a XXXX XXXX and I have been looking for a second car. Simultaneously my boyfriend was also looking for a car. I originally applied for a XXXX XXXX but I wasn't sure so I held on and he applied for a XXXX. He qualified on his own with his full time job but as he does XXXX XXXX  for my XXXX  I wanted to include that as supplemental income, the deal was rejected because the internal documents that we submitted to prove his supplemental income were rejected unfairly. The lender had us re-apply with only his full time job and then denied it on the same basis using the second application as proof of the fraud, which was their fault in the first place and the loan should have never been rejected. He decided to buy a different vehicle because of the mistreatment from Westlake and I decided to buy the XXXX because we had already paid for it and ordered the title and the business was out of that money, so I decided to take in on because I like the car. Even though I'm putting more than half down it's being rejected as a " straw purchase '' as if I'm buying it for my boyfriend, who is now just a friend and I am no longer in a relationship with. It is not a straw purchase. Westlake Financial is able to charge high interest because they hire bottom of the barrel people to give first time and second chance loans, unfortunately this means that mistakes are made and they are making mistakes over and over.
Product: Debt collection

On XX/XX/year> I received a notification about a debt collection agency called Hunter Warfield flagging my account. The collection company paid for this alleged debt in my name and is reporting this account that is due to identity theft to all three credit bureaus. I never received a letter and phone call from this company about this alleged account. I did contact Hunter Warfield about this account and the person I spoke to gave me three different balance amounts, They did not have any of my information in their system correct at all. I explained to them that I did not authorize any accounts to be opened in my name and I want this alleged debt removed immediately. Upon doing research on the original credit company that sold the debt I found out that XXXX XXXX has had managers and salespeople that steal people information and steal money from renters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX XXXX Transunion And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Product: Credit card or prepaid card

On XX/XX/2019 I received my Capital One statement and noticed a charge made by "XXXX XXXX XXXX" in the amount of $XXXX.  This charge was not made by me so I immediately contacted Capital One's Fraud department.  At the same time I received an email notice that there was a pending payment of $XXXX to be drawn by XXXX XXXX   bank.  Capital One was advised that not only did I not set up that payment but I also do not even have a XXXX XXXX   account. Cap One cancelled that payment immediately and a fraud investigation was opened.  They DID NOT send me a fraud packet or an affidavit to be signed and returned.  Fast forward several weeks and I notice the charge has been put back on my card.  I called Capital One again.  They insist that the charge is valid because they say the card's chip was used.  After 5.5 hours of being on the phone speaking with multiple departments they disconnected my call.  I called the following day and spoke with manager named XXXX.  He took the time to look further into the notes and advised me he sees where a new card was sent out on XX/XX/XXXX.  I advised him that I did not request a new card.  I asked for proof that I requested the card.  I also asked for a signed receipt proving the charge was mine. I was refused both request.  XXXX  then assured me that he feels that he can see where the problem is even though he would provide no details.  He told me not to worry and that they will resolve everything.  Fast forward several weeks again, the charge is back on my card.  I called again and spoke with XXXX.  He says he took it to his manager and was told they refuse to remove it. My son researched this online and there are several complaints of this same type of fraud and Cap One not doing anything to protect their consumers.  I am a senior citizen, XXXX years old.  I have never charged more than a could of hundred dollars in 15 years as a Cap One customer yet they allow this fraudulent charge of XXXX to go through?  I feel like this is elderly abuse and Capital One is doing nothing to prevent it or to try and provide proof it was me.  It is there responsibility to gather a signature and they failed to verify that.  There are also cameras everywhere today....why would they not contact this "company" and demand to see video proof of me making this charge?  Instead of trying to recoup their loss they are taking advantage of a senior citizen! I have filed a police report with the XXXX XXXX Sheriffs Office for fraud.  That Case # is XXXX and the Officers name if Deputy XXXX, Badge # XXXX.  I am also contacting the state attorney general in Virginia, The Treasury Department's Office of the Comptroller of the Currency, and any other governing agency to file complaints.  I am also going to contact XXXX, XXXX, XXXX, and XXXX news stations that have special segments to help local consumers fight wrong doings such as this.
Product: Credit card or prepaid card

On XX/XX/2022 multiple charges were made at the retailer XXXX 's XXXX on my XXXX XXXX. The first transaction of {$1700.00} went through whereas the others were denied. I received a notification and immediately called to report the fraud. I am not a XXXX 's XXXX member and have never had an XXXX 's XXXX transactions on this credit card. I was told by the telephone representative that a pin number had also been set up and there were cash withdrawals. I told the telephone representative that both the XXXX 's XXXX charges and cash withdrawals were not made by me. I have never made a cash withdrawal from this credit card or any credit card that I have. Although I still had the credit card in my possession, a new card with the same credit card number had been sent out since the card in my possession had a XXXX expiration date. This new card is the one that was stolen. I was immediately issued a new card with new number and the fraudulent charges and cash withdrawals were removed from my account. On XX/XX/2022 I received a letter that was date XX/XX/2022 stating that since the card was in my possession, they consider the transaction of {$1700.00} to be valid and have placed it back on my account. Oddly, there is no postmark on the envelope. On XX/XX/XXXX, I called to dispute the findings and was told that a representative should be contacting me within 10 days. On XX/XX/XXXX, an autopayment was withdrawn from my bank account which included payment for the {$1700.00}. On XX/XX/XXXX, I made a follow up call and was told my dispute from XX/XX/XXXX had not been reviewed. The representative I spoke with on XX/XX/XXXX said that she would escalate this to a complaint and that I should hear back within 5 days.
Product: Mortgage

I requested they correct the escrow analysis to reflect the correct taxes due. They have completed the escrow analysis and my account still shows the higher taxes due for the XX/XX/23 and XX/XX/23 payments due. I have paid a mortgage payment of {$1400.00} on XX/XX/23 and they sent me a letter stating that they can not apply the payment and that its in suspense until I pay the complete amount that they are charging me. My mortgage will be transferred to chase bank on XX/XX/23 and is currently being handled by XXXX XXXX XXXX XXXX that have told me they have taken care of the situation but the mortgage statements dont reflect the corrections to my account. Also, I live on a XXXX XXXX  property and lot # XXXX is tax exempt as you can see in the tax statement I attached. The bank is charging me {$3100.00} taxes on this property which is why the mortgage payment on XXXX and XXXX is increased and not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a delinquent notice that Navient sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when Navient reported me for being out of school since XX/XX/2019. I spoke with Navient and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from Navient that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from Navient shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that Navient would remove this yet they haven't and now I submitted the paperwork to XXXX  and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over 615 like it was in XXXX 2019. I want this immediately removed from my credit report and Navient to be held accountable. I also know that when I looked more into the issue with Navient and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.
Product: Checking or savings account

I have a checking and savings account with Bank of America. There was apparently some fraud on the account and my checking account balance, online, showed a negative balance of {$880000.00} -- this goes back to XX/XX/XXXX ( see attached ). I have some medical issues and was in an out of the hospital and when I was finally discharged for good XX/XX/XXXX, I was unable to access any funds on all, despite having a monthly direct deposit from SSA for {$1200.00}. I called Bank of America and filed a fraud claim. And waited, unable to access any funds. And waited and waited and waited, and am still waiting ; to my knowledge, that remains unresolved. In the interim, two SSA direct deposits have been deposited into my account and I have been unable ANY FUNDS. THIS IS MY ONLY INCOME! My bills are backed up ( including a Bank of America credit card payment which I've been receiving letters about despite their error, limiting my ability to pay anything ), and I have been unable to even buy groceries. On XX/XX/XXXX, I called Bank of America to check on the status of my fraud claim, desperately hoping I could sort out the issue so I could access my funds. After nearly an hour on the phone ( see attached ), most of it on hold, I spoke with a representative who said she could transfer the funds to my savings account so I could my money that way. As far as the fraud claim, I was told " they are working on it. '' I was relieved regardless, thinking the problem would at least be manageable if I could withdraw money from my savings account. As soon as I hung up the phone, and checked my bank account -- now it shows a negative {$880000.00} on my savings account! ( see attached ). I am so frustrated and feel hopeless, I can not for the life of me figure out how my bank, which can clearly see I'm on a limited fixed income, would prevent access to my only funds. Please help!!!
Product: Debt collection

IC system is debt collection agency of robbers trying to collect a {$2000.00} XXXX bill in which i do not owe.
Product: Debt collection

I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Source, receivables management Account XXXX XXXX This company is in violation of my rights and this account should be removed immediately Receivables performance management 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 an account without my written instructions. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX   XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( 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