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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer services and unfair practices which violate the ( CFPA ) Consumer Financial Protection Act. 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.
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
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XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. I had an late payment on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account " Credit acceptance corp. '' has not been late on the following date XX/XX/scrub>XXXX XXXX
Product: Checking or savings account

On XX/XX/year> capital one did not process my direct deposit and I was unable to access funds or transfer funds. On XX/XX/year> called customer support and was told there was no timeline and that they could not confirm when or if my direct deposit would be available. Sent letter to customers in the evening of XX/XX/year> staying issues are continuing and may not be resolved until XX/XX/year> in the morning. Issues are still not resolved and direct deposit has still not been made accessible in my account.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account and address. 
Address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Accounts not mine XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX XXXX,
Product: Debt collection

The original creditor XXXX XXXX  reported this account delinquent in XX/XX/XXXX. I have written. to Equifax and XXXX that this company has sued for the exact same thing I reported to them by the CFPB. My credit file all had different dates for when this account was to supposed to be removed. I disputed this facts with XXXX and XXXX, XXXX XXXX has yet to furnish me a complete file for this debt. XXXX finally agreed and stated to me about XXXX XXXX XXXX Closed Great! A Collection was closed Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX collections account was reported as closed. 

This is great news! Even though closing or settling a collections account may not have an immediate effect on your credit score, the negative impact of your collections accounts will usually fade over time. Because of XXXX statement of facts. I have enough proof to file a lawsuit against XXXX Equifax, XXXX XXXX for refusing to follow the Fair debt collection Act. Attempting to knowingly falsely report this account past the seven year window for negatively reporting a debt
Product: Checking or savings account

I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.
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 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 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 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: Mortgage

I am a XXXX XXXX XXXX working on behalf of a borrower who is refinancing her mortgage. As part of the process, a current Payoff statement and a Loan Summary for her current mortgage is required. 
Her current loan servicer is Novad Consulting. I first requested the payoff and loan summary from Novad Consulting on XX/XX/XXXX and I received no reply. On XX/XX/XXXX I sent a second request. I then called Novad directly on XX/XX/XXXX and explained that I never received the payoff statement & loan summary. I was told they would " escalate '' my complaint and I would receive a reply in 5-7 days. On XX/XX/XXXX I called Novad again stating that I never received any reply and still had not received the payoff and loan summary. There were three other loan processors in my company who were having the same exact problem with Novad- we were all unable to receive the requested payoffs and loan summaries.

I sent another request to Novad by fax this time instead of by email and finally received a partial response as they faxed the XXXX XXXX on XX/XX/XXXX but no Loan Summary as requested. On XX/XX/XXXX I made another call to Novad requesting the Loan Summary. Again, I was told that my complaint would be " escalated '' and I would have a response in 5-7 days. This response never came and neither did the Loan Summary. The Payoff they sent me has now expired ( good for 30 days ) while I have been trying to get the Loan Summary- both of these payoff documents are required for my borrower 's loan to close. My poor, elderly borrower has been ready to close her loan for over a month as these payoff documents are all we have been waiting for. Novad is required by law to provide payoff documents when requested. I sent another request by fax on Friday XX/XX/XXXX and another one on Monday XXXX. I called Novad again today XXXX and was given the same spiel that my complaint will be " escalated '' and I'll get a response in 5-7 days which I now know will never come.
Product: Debt collection

Creditor Information SUMMIT ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Never received any documentation in this debt. This debt continues to be unvalidated.
Product: Credit card

-On XX/XX/25 I noticed and reported over {$6300.00} in unauthorized credit card charges on my Citibank card taking place between XX/XX/25 and XX/XX/25. I saw that the address on my account had been fraudulently changed and a new card had been ordered to a state and address where I do not live, and where I had not been ( the charges were all in Florida, I live in New York and had not visited Florida in more than 10 months ). There were 34 fraudulent charges in the vicinity of this new Florida address. 
-I immediately locked the card, reported the fraud online to citi , changed the address back to my correct address, and ordered new cards. 
-On XX/XX/25 I spoke to a citi agent about the fraudulent charges, explained the address change and the charges in a different state, and explained that the card in my possession was not the card that had been fraudulently obtained and used to make these purchases. 
-On XX/XX/25 I received a letter from citi dated XX/XX/25 that I was found responsible for all purchases because the purchases had been made with a chip enabled card reader and the card was in my possession at the time of the transactions. This is not true. 
-I also received a letter from citi dated XX/XX/25 on XX/XX/25 stating that my dispute was under investigation. 
-As of XX/XX/25, the citi website shows for all purchases " Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. '' As stated previously to the citi agent, the card used to make these purchases was NOT in my possession.
Product: Mortgage

53rd bank refuses to remove the 30-day late, error caused by delay at the bank, The bank issued a letter stating the error was the bank, not the consumer. 53rd bank refuses to remove states the error belongs to the bank not 53rd derogatory mark stays. 

I have asked several times how to I escalate issue, appeal or complain to have this reviewed and no one seems to know how to get this done,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX AND TRANSUNION consumer credit report and I noticed that I had a fraudulent account on my profiles. I am referring to the account from XXXX XXXX  with account number XXXX. Please remove this account from my reports IMMEDIATELY because I did not authorize them and I do not recognize them therefore I am not liable for this debt. I have never entered into an agreement or a contract with XXXX XXXX  which makes this a fraudulent account, inaccurate reporting to my consumer credit reports and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from XXXX XXXX  to IMMEDIATELY cease and for this account to be deleted from my consumer reports. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer
Product: Credit card or prepaid card

I tried to pay my bill online on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 a message appeared on the screen about my payment. Stating they are having issues even the automed system and representatives stated the wrong amount, information and wanted to charge a fee for their payment services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was routinely checking my credit score on  XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and XXXX  to have the account removed. I have also contacted the company, Amcol, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting Amcol to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX XXXX  9. XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant with the platform. Despite using Zelle numerous times and reporting discrepancie, my my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The. CFPB finding indicates that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system. Leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Failure to investigate multiple times, failure to comply with XXXX results, failure to investigate at FCRA STANDARDS And knowingly reporting data that CFPB has found to be incorrect. Failure to assist with issue and failure to be in secure location when dispute was filed. Clearly at home with dogs barking so loud I couldnt hear. Stated CFPB follows different rules that Experian. Failure to look at datas submitted. Failure to resolve issues and attempting to get another 30 days following a failure to investigate at XXXX. This has been an on going issue for 14 months now. attached is CFPB REPORT that they ignored when submitted.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for reporting inaccurate and unverifiable information on my credit report, specifically regarding a collection account from XXXX XXXX XXXX XXXX in the amount of {$320.00}. 

I previously disputed this account with TransUnion, yet they failed to conduct a proper investigation and continue to report this erroneous information, in direct violation of the Fair Credit Reporting Act ( FCRA ). The reporting of this account violates 15 U.S.C. 1681c, which states that " any other adverse item of information, other than records of convictions of crimes, '' should not be reported beyond the permissible timeframe, and 15 U.S.C. 1681s-2, which mandates that furnishers of information must ensure accuracy and investigate disputes properly. Furthermore, TransUnion 's failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit report constitutes a violation of 15 U.S.C. 1681e ( b ).

Violations Noted : 15 U.S.C. 1681c ( Obsolete Information ) : If the account is outdated, it should no longer appear on my credit report as " any other adverse item of information, other than records of convictions of crimes, '' should not be reported beyond the permissible timeframe.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : XXXX XXXX XXXX XXXX , as the furnisher, is required to provide accurate information. If they fail to verify or correct errors upon dispute, they are in violation of this statute.

15 U.S.C. 1681e ( b ) ( Compliance Procedures ) : TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Their continued reporting of inaccurate and unverified information demonstrates a failure to comply with this requirement.

I am requesting that the CFPB take immediate action to investigate this matter and compel TransUnion to remove the erroneous account from my credit file. This inaccurate reporting is causing undue harm to my creditworthiness, and I demand that my rights under the FCRA be upheld.
Product: Checking or savings account

I bought an air conditioner off of XXXX and it was working perfectly fine until one day it just stopped working. I had to do a return and clearly explained to the customer service representative that I no longer have the account and no longer associated with Bank of America. He said that we will send the funds to Bank of America and they will send me a check of {$120.00}. So I called Bank of America and they said since you closed your account we can no longer give you any funds so now Im in a situation where I cant get my money from anyone
Product: Debt collection

Outsource  Receivables MG has failed to respond to multiple requests for validation on the amount they are reporting on my  XXXX  report of {$120.00}. I have attached the most recent requests to this complaint. They have failed to provide me the information requested to validate and/or verify this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on Equifax 's commitment to accuracy and consumer protection. Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : 1. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file.

2. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter.

3. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future. 
This prolonged and unresolved issue has caused me unnecessary stress and frustration. 

XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>
Product: Mortgage

Bank of America fraudulently accepted a mortgage loan on false identity, false income earnings and information, accepted information of identity theft of deceased person ( XXXX/XXXX/2002 ) -accepting falsified IRS documents of my taxes of an employment of the company that produced the loan when in fact I never worked there. Bank of America has accepted a loan that should of never been processed because all of financial information was bogus, fraud, identity theft - the mortgage brokers were XXXX and were XXXX while doing the loan ... the loan was for {$160000.00} on a house that was not even my home and converted the home as identity theft from my deceased mother as we have the same names. The mortgage broke transferred the title and deed of the home without my knowledge or permission and attempted to transfer the title assuming this had been done during her estate upon her death. 
Bank of America has not acknowledged their mistakes and my lawyer & I discovery papers that have verified that facts remain true to this travesty of errors.
Product: Checking or savings account

Wells Fargo has made several errors in deposits availability in my account