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

I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX  to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter to CMRE Financial Services to get validation of debt. Upon receiving a response from the collection agency, they then provided me with the details of my medical bill which they are in direct violation of HIPAA regulations. I have not now or ever signed a HIPAA form to authorize CMRE Financial Services to have access to the information. I then asked for them to remove my account, cease collection & cease reporting for violating my rights.

CMRE Financial Services refused to remove account and continues to report this information,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Payday loan, title loan, or personal loan

Company is giving me the run around with a recently reported 30 day late on all 3 credit reports. They automatically take money from my bank account every week and my account on their website does not update correctly. This caused a huge issue with my account. My account is now paid off as of last week and I was told I was not going to be reported as late once it was cleared up. Their interest fees are also astronomical, based on this my account should have been paid off long ago. All I want at this point is for them to correct the error on my report that shows I am late 30 days. This has ruined my credit horribly.
Product: Credit reporting or other personal consumer reports

I was Looking at my Credit Report and noticed that there is a Hard Inquiry that are not mine.
Product: Mortgage

I am having problems working with my mortgage company, Rushmore. At the beginning of the pandemic, I did receive my COVID forbearance for 3 months but after that period they haven't allowed me to continue with the COVID forbearance even though I have been contacting them continuously. 

The end of the three month period was in XXXX first and even we contacted them to continue with the COVID forbearance they did not continue with the plan. I am getting set tons of paperwork stating that I am behind in my mortgage and it is impossible to any proper documentation stating that it has been extended.
Product: Money transfer, virtual currency, or money service

I am writing to raise serious concerns about Zelles inadequate dispute resolution process and failure to protect its users. Despite being a loyal Zelle user, I encountered discrepancies in transactions and promptly reported them, expecting a fair investigation. Instead, both Zelle and my financial institution dismissed my claims, stating that recovering lost funds or tracking transactions was impossible.

This lack of accountability is deeply troubling, especially given the recent CFPB findings that expose systemic flaws in Zelles platform. It is unacceptable that Zelle allows repeat offenders to exploit its system, leaving consumers like myself vulnerable to fraud and financial loss.

Zelles failure to implement robust security measures or provide meaningful recourse for affected users demonstrates a disregard for consumer safety and trust. I urge regulators to hold Zelle accountable and require immediate improvements to its dispute handling and fraud prevention practices.
Product: Credit reporting or other personal consumer reports

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 someone tried to wire money out of my account, and it was declined through chase. after that my account was locked. i went in person to talk to a real person she let me know it was true someone was trying to wire money out. So, moving to the next day XX/XX/23 i get a call around XXXX from chases customer service number and it's a chase employee from the fraud department wanting to help add security to my account. i ask for some information on myself, he gave me my SS # and my address and my account information such as how much money i had in my account and my last transactions. So, I believed him, because who has that info unless you work for chase. he processes to unlock my chase online bank account for me, and he has me setting up security steps, next thing i know all my money is being transferred to an unknow account. Within 15min of the transfer, I went to a chase bank to stop the transfer. chase told me they could not stop it. they are not wanting to help me whatsoever based on their polices with wire transfers. I have contacted my local police department as well as i am in requesting my phone records because it was chase 's customer service number that called me. Im concerned how someone was able unlocked my account and scam me.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602 states I have a right to privacy.15 USC 1681 states a Consumer Reporting Agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies XXXX and Equifax refused to list the completely change the information accurately. XXXX and Equifax refused to correct what is on my report XXXX did so accurately after their investigation. As a result of Equifax specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my Equifax report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus XXXX and Equifax complied with the letter from XXXX Mortgage.
Product: Debt collection

Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, letters were sent to XXXX, XXXX, and Equifax to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things. 

- one main financial inquiry ; XX/XX/XXXX - one main financial inquiry ; XX/XX/XXXX - XXXX inquiry ; XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry ; XXXX XXXX theses inquires are on both my XXXX and XXXX
Product: Credit card

XX/XX/XXXX I went into the bank to pay off my credit card and discovered they added a late charge of {$30.00}. I want the late charge reversed since the bank didn't send a final bill after I closed my account on XX/XX/2024. The representative stated she could not print out and mail a final statement. After she closed the visa card I did not have access to pay online which I did every month. I couldn't access my statements after she closed the account online. I called back on XX/XX/XXXX and spoke with XXXX who gave me a balance and stated I must pay by XX/XX/XXXX. She would be mailing all of my statements for 2024. Commerce Bank XXXX is the name of the bank.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the credit reporting discrepancies involving Experian on my consumer file. Despite multiple attempts to resolve these matters directly with Experian, they have not adhered to the CDIA and FCRA guidelines. Experian has inaccurately labeled various accounts as delinquent, despite my consistent and timely payments. Moreover, they have neglected to update my file with positive account information, resulting in an inaccurate portrayal of my creditworthiness. I kindly seek your assistance in ensuring that Experian adheres to the necessary consumer reporting laws and regulations.
Product: Debt collection

Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Discover Bank. Thank you.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identied similar praes by XXXX XXXX XXXX, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from all three bureaus TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

This account isnt mine and I need it removed 
Credit acceptance acct number XXXX XXXX XXXX XXXX XXXX XXXX  
Im asking for this tons removed asap
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 
In XXXX XXXX XXXX  I became aware that XXXX XXXX XXXX  records may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my XXXX XXXX XXXX XXXX XXXXXXXX  ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX, payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( FERPA ). 


XXXX XXXX XXXX  records may have been accessed or shared improperly. 
I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in XXXX XXXX XXXX  ). 
I am requesting a review of whether my loan servicer XXXX XXXX XXXX or DOE improperly disclosed my student loan information, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether my student loan information was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer XXXX XXXX ) and the Department of Education provide a full explanation of how my student loan records have been handled, including whether they were disclosed to third parties.

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.
Product: Debt or credit management

Lexington law to all my money they over charge me for my credit repair nothing happened and my credit still the same then they tried to take the price down.. 
I don't Understand Please Help I don't remember dates it's been a while
Product: Debt collection

For the past several months, I have reached out to Pacific Credit Services in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC . Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!
Product: Credit card or prepaid card

XX/XX/XXXX or XX/XX/2019 - my American Express Bluebird prepaid debit card was closed for no reason. I called several times to the Bluebird customer service number, only to receive an automated message saying that an email explaining the closure will be sent. I received an email for each time I called. The email only stated that I had followed rule # 22 ( d ). However, I never misused the Bluebird prepaid debit card in any manner. I was a good customer. I also had over {$1000.00} in funds remaining on my account. 

XX/XX/2019 - I wrote to Bluebird customer care demanding an explanation of closure and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I wrote to Bluebird customer care again demanding an explanation and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I called American Express credit card, asking for assistance in obtaining my remaining funds. AmEx informed me that they do not service the account nor know who do service the account. 

XX/XX/2019 - After researching online, I found that a company called XXXX actually owns and services the American Express Bluebird accounts. Their phone number is XXXX. I've left a message with XXXX XXXX ( the person who the operator forwarded me onto ), but have not received a return call. Now, when I try to call XXXX, even the operator will not pickup the phone. 

I truly find this very suspect. They closed my account over 22 days ago, without any information or manner to obtain information. Then they are holding my money essentially hostage. I am very fearful that this is a scam or criminal, and that the Bluebird / XXXX will keep my remaining funds.
Product: Debt collection

On XX/XX/XXXX I received a phone call from someone claiming to be a process server looking to serve me or my husband with " certified legal documents ''. They left a voicemail with a case number and toll free number and said a Failure To Appear would be issued if we did not call them back. I called the toll free number, and reached a company called something like XXXX XXXX XXXX. The man said that a finance company was suing my husband for an alleged car loan taken out on XXXX. Which is 22 years ago. And said they would be filing a lien on our house. I advised him there is a statute of limitations and I have no knowledge of this alleged car loan and hung up.