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

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX-XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
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 institution 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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vuneravle to scams. This lack of accountability and tranparency is unacceptable and raises concerns about consumer safety.
Product: Checking or savings account

My savings account was blocked without any explanation and after calling in and holding for over 2 hours, I was told to call back to speak with fraud department. I called back the next day again hold time was 2 hours and was told to send in the necessary documentations which I have and I still can not access my account. They are holding my big balance hostage and in checking social media there are a lot of other victims like me that hsbc is placing blocks on their accounts. Please help!!
Product: Debt collection

I have never been late sine the opening of this loan in 2017. The XXXX  was stolen and while learning the process of dealing with insurance and gap, the loan company, Fifth 3rd Bank took a long time to submit the requested documentation to the insurance company, after several attempts from XXXX XXXX, the paper work was submitted and their portion was paid. Gap kicks in after this and while awaiting, a payment was missed and Fifth 3rd Bank reports me to the credit report. Not a phone call, not a letter requesting payment. I feel unjustly reported and an unappreciated customer after paying over the minimum due and on time for 3 years
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Violating Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX, a collection agency that has been actively engaging in practices that violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I wrote to XXXX XXXX XXXX XXXX XXXX on XX/XX/year> in regards to the alleged debt which they responded that all credit reporting has been discontinued and XXXX XXXX XXXX XXXX XXXX XXXX no longer servicing this collection account. but they continuied to report the said account to my consumer report Specifically, I believe that XXXX XXXX XXXX XXXX XXXX is in clear violation of the following regulations : 1. Failure to Validate the Alleged Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Despite my request for validation of the alleged debt, XXXX XXXX XXXX XXXX XXXX has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). This lack of response to my request violates my consumer rights.

2. Improper Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) & 15 USC 1681-s 2 ( 7 ) ( A ) ) : XXXX, XXXX XXXX XXXX has reported the alleged debt to consumer reporting agencies without providing the required disclosures and validation information, which is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). Under these laws, they are not authorized to furnish any information regarding an account to a consumer reporting agency without fully complying with the disclosure requirements. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX, XXXX XXXX XXXX complies with the necessary legal requirements. Additionally, I ask that they cease reporting any information related to this alleged debt on my consumer report until they provide the proper validation and disclosures as required by law. 

Thank you for your attention to this matter.
Product: Checking or savings account

XXXX was deposited into my checking account received notification of deposit from Navy Federal but then was charged an overdraft fee for another transaction because they said XXXX had not posted it was still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a block on my credit files with XXXX, Transunion and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Experian has Failed to fulfill its legal Obligation under the fair credit act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or Unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments are reported on my XXXX Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. XXXX bought this account in XX/XX/XXXX so how they be reporting lates from XX/XX/XXXX and early XX/XX/XXXX? I asked the credit bureaus for verification as well as XXXX and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to XXXX since they took over. 

Please remove these erroneous late payments kind regards, XXXX
Product: Bank account or service

I was a Wells Fargo customer for over 25 years. I have always had direct deposit from my employer. On my last payday XXXX XXXX I had made a car payment of approx. {$370.00} and my Cell phone payment of {$240.00}. When I went to the bank to withdraw some money I was told that my account was being closed due to a business decision that was made by Wells Fargo and that any checks or debits would be returned by the bank. They never notified me of this either by email, phone call or a letter. 
Now I have a car payment that was rejected and a cell phone disconnection and my water utility bill was returned as well. Each of the XXXX vendors are charging me a returned check charge a late fee and a reconnection fee due to their bad business decision. After 25 years of banking with them. This is unfair to me the consumer and they need to be held accountable to make my returned payments whole and send a letter of explanation to all of XXXX vendors and compensate me for their bad decision.
Product: Debt collection

I have tried reaching out tp portfolio Recovery Associates about accounts that are reporting to my credit that I am not aware of and i still have not got a response from them after several attempts!
Product: Mortgage

Please see the below timeline : XX/XX/XXXX : Initiated mortgage process with Axos Bank ( signed initial disclosures ). XXXX  closing was in XXXX. 
XX/XX/XXXX : Have had numerous delays up to this point simply because Axos employees forgot/failed to process the submitted documents. They simply don't read emails or pick up their phones. On this date, I sent a correction email to the bank because they made an error in the closing disclosures with regard to local tax escrow. This tax payment is due XX/XX/XXXX, and should have been part of the prepaid portion of the mortgage. Email communications are available at your request. 
XX/XX/XXXX : Mortgage was funded. 
XX/XX/XXXX : I received a letter from the XXXX XXXX  XXXX that the property taxes were not made. 
XX/XX/XXXX : I tried calling several numbers/sending secured message via Axos website/using online chatting services on the website. No response received. 

First, I do not want to bear late fees, because it was a failure by the bank. They should bear this fee and resolve this issue ASAP. Second, I do not want to escrow insurance and tax payments. I did not have other options because they said that rates will be higher if I opt out from escrow. Now that I see they are incapable of servicing loans, I do not wish to take my chances. LASTLY, I want the CFPB to take measures so that the bank will have capable employees to respond to these types of issues. I should not have to make complaints to the CFPB in the first place. My experience has been horrible and I do not wish anyone else to go through this.
Product: Checking or savings account

Robinhood restricted all my accounts for no reason. They requested documents which i provided, ( facial scan, my driver 's license, and bank statements ) I have tried to contact someone through their online support, because my account is restricted, I can not get an update. The resolution date just keeps slipping.

I requested a callback but It says I am in line to receive a call, but it is been a week and no call yet.

This is the poorest case of customer service I have ever seen.

I can not even close the account and get my money out of Robinhood. Be aware of this when using this platform.
Product: Debt collection

I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Transunion an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation XXXX business days ago. I have gave neither Transunion or any of these creditors permission to report on my behalf. Transunion has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.
Product: Credit reporting or other personal consumer reports

I am not associated with this inquiry or the listed creditor. Please remove it from my credit report immediately. 
XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau because I had 4 fraudulent accounts from XXXXXXXX XXXX they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXX XXXX XXXX, XXXX, SC XXXX bear on this situation. I have had an ID fraud XXXX information breach and an inaccurate loan for Nationstar came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on XXXX. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and Nationstar attempted and illegal active service XXXX XXXX to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX County Commissioner sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
Product: Money transfer, virtual currency, or money service

Theres been several occasions where Ive had CONCRETE proof that I was scammed via XXXX and my bank failed to investigate, give me an update or help me recover funds stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXXXXXX XXXX XXXXXXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states 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 HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXX XXXX XXXX  they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under
paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit card or prepaid card

I am a longstanding Bank of America, XXXX XXXX holder. What legal merchandise I choose to buy with any of my credit cards, bank accounts, or cash is my business, not that of any financial institution. BofA recently announced that they would block/disallow purchases of firearms that their customers in good standing attempt to purchase legally using their cards ... unbelievable! What's next? Monitoring our statements to see if we've purchased adequate amounts of brussel sprouts in the previous months? And to make matters worse, this is the same BofA that received taxpayer funded bailouts during the last presidential administration when their many Collateralized Debt Obligation investments imploded on them. As a customer of standing on this issue, I ask that this complaint, and others like it, be pursued with all possible enthusiasm. I, and others like me, are watching, and anticipating remediation, of this attempt at extra-constitutional behavior in America 's financial sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX also 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a set of treatments from XXXX away, they offered a 0 % interest loan through their servicer, XXXX. The loan was for {$4000.00}, the terms of the loan were under a promotion : 24 Months " Same as Cash '' with a promotion end date of XX/XX/XXXX. Per my notice : " Under the terms of your promotional offer, you will pay no interest on your loan if you exercise the option to pay the remaining amount by the promotion end date XX/XX/XXXX ''. 

On XX/XX/XXXX, I received an email notification from XXXX that effective XX/XX/XXXX, servicing of your XXXX account will be transferred from XXXX to Monterey Financial Services, LLC. On XX/XX/XXXX XXXX closed the account and all payment history records and I was unable to log in to the account. 

I made payments totaling {$2100.00} my remaining balance was {$1900.00} as of XX/XX/XXXX. Monterey Financial Services did not have the correct pay off amount and over 8 weeks of correspondence with me, they finally agreed to the corrected payment amount after I sent copies of my bank statements. 

Now, Monterey Financial Services is stating that the original loan with XXXX was accruing interest and my balance is inclusive of this interest, and additional {$600.00}. That was not the terms of my loan nor in the notice of the transfer of service : " This transfer of the servicing does not affect any of the terms or conditions of your contract other than terms directly related to the servicing of your loan. '' I have tried to resolve this issue with XXXX for almost 2 months, and it not right that they are doing this to me or other consumers who did not consent to transferring of loan with only 7 business days for the change.
Product: Debt collection

Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report