23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

In XXXX I made a purchase at home depot on my Home depot credit card issued by Citibank. 
I never received a statement for paymen2. IN XXXX I received an email saying my account was past due with a charge of {$60.00}. I knew I had not made a purchase of {$60.00} so I pulled up my account online. It only stated a past due amount of {$60.00} was due. After several days of trying to find what the charge was for, I found the original charge of {$26.00}. By then I had received another email past due notice of {$90.00}. I tried calling citibank but only got an automated system. Finialy I received a call from Citibank. I told them that I wanted to dispute the charge and was given an address to sent request too. By this time I had received an email past due of {$100.00}. Have not heard from my written request.
Product: Credit card

I called to close my account. The representative said she would send me a no annual fee credit card. The language made me suspicious because she didnt ask- just said she would send it. I refused this new card. I wanted to close my account. She sent me the card anyway. Due to her tone and choice of words, I suspect this happens often. It is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank and XXXX XXXX XXXX XXXX and US DEPT. OF XXXX fictitious nomen and mailing location and accounts not associated to social security nor did I give any consent. These entities must produce wet ink autograph of any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX 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
Product: Debt collection

Claims to be debt collector. Receiving multiple phone calls with different phone numbers shown via caller id. Will receive call from claimed debt collector from one random number without any voice message or letter and then 2 months later, another call from the same debt collector with a different number shown on caller ID. When answering call, they dont introduce themselves or identify why they are calling before requesting to speak with the person. Requested information to how they received my personal information, they refused to provide. Requested letter to be mailed with explanation of debt owed, representatives continued to stating that they did not have to provide one. Threatened to either make payment or legal action will occur. Notified that phone calls received by collector are illegal after hours. Claimed to be calling within time zone. Requested for times called, they provide EST time called. Stated that Im in PST time zone. Requested for written record of timestamp, failed to provide. I would even receive a call from credit collector on a Sunday at XXXX PST
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX 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 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 XXXXXXXX Inquired on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

After 6 plus months of trying to get my account fixed with Nationstar Mortgage and making complaints with you CFPB, this is still not taken care of. No one at Nationstar can do their job. I attached my last email with documents from XXXX XXXX. 2016 and still no response. This company has shown fraud and thief. I would love to leave this company but I can not refinance. Please review the unlawful practices of this company. 
Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!
Product: Credit card or prepaid card

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX Account number XXXX with balance of {$1600.00} incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit card or prepaid card

Citibank refuses to give me my Rewards benefits earned from the charges they expect me to pay even though i cancelled my card.
<P/>
Rewards benefits are not calculated by citibank until one or two billing cycles after the charges are incurred -- so it 's impossible for a consumer to ever cancel and be current on the rewards. citibank online chat says, in effect, " tough luck, our policy is to keep all the rewards after you cancel. ''
Product: Debt collection

Debt Recovery Solutions LLC claims I owe I debt I do not owe for {$960.00} from 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint and a written request to be use in a court of law as proof of my intents to clear my name about this matter, I had been a victim of identity theft .Transunion had refused to remove this account.They removed the account on XX/XX/XXXX, and placed back on XX/XX/XXXX, this is a violation of the FCRA. Account removed can no be placed back without a written notification 5 day before placing the account back on. In this case more than 30 days has pass without a written notification, also this is an identity theft case an FTC complaint had been filed, they are no following consumer laws Or FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Discover secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XX/XX/XXXXand XX/XX/XXXXXXXX
Product: Debt collection

XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.
Product: Credit card or prepaid card

I called Capital one and was told they are not offering assistance to me???? I was told we can only defer payments 30 to 60 days but interest will accrue! I pay my statement in full every single month with my Walmart/Capital One Card. I asked not requesting to defer my payments but 60 to 90 days of interest so I can pay all my creditors due to what is going on. I was not going to spend hours on the phone. I emailed the below person who is the correct contact with no response. This is due XX/XX/XXXX. I spend hundreds of dollars to have food/items shipped to my XXXX year old Mother. Its just egregious there did honest behavior with emails we are here to help! Just to get through in an hour wait and this bank is not helping people but just deferring one or two payments but the interest is over 25 % to 30 % This is standard whether you have stellar or bad credit. This bank does not care. Note : I closed all my account with them back in XXXX when my Mother went into a XXXX  with a very bad XXXX XXXX and went back home to take care of her and stopped working for XXXX XXXX This Bank threatened to report me to the credit bureaus and would not help me and never late with a payment! This bank needs to be policed and fined for many banking violations. 


See email below. 

From : XXXX XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : ACCOUNT ENDING IN XXXX Walmart XXXX, I want to begin how poor and untrained the customer service of CapitalOne. Its sad what going on as the entire world is shut down. 

I like you to give me a call. I filed an OCC complaint with XXXX XXXX. I also filed with the CFPB. I like you to give me a call. XXXX I SIMPLY ASK FOR NO INTEREST FOR 90 TO 120 DAYS. I WILL NOT GO INTO A LONG EMAIL AND WASTE ANY MORE OF MY VALUABLE TIME. 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims. They informed me that recovering lost funds was infeasible.
Product: Debt collection

My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.
Product: Debt collection

On XX/XX/2021 I got an alert on my XXXX credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! 

The accounts in question that are falsely reported on my XXXX Credit Report are listed below. No original loan docs have been supplied and the Original Lender listed as Educational Loans is not a company at all. Please advise. 4 accounts totaling {$110000.00} All accounts start with the following number sequence. 

Account number XXXX
Product: Debt collection

Credit acceptance is tryna garnish my pay checks for a car that they sold years ago and I let them take the car I told em I couldnt pay for it anymore I couldnt afford it they took the car they sold it I moved on and years later they sending me a letter in the mail saying they are suing me then the saying if I dont make a payment of XXXX dollars then in 15 days they are gon na start garnishing my pay checks I have nothing I can barely afford to live Im catching the bus as we speak I just dont think this is right they been harassing me for the pass year and the pass couple weeks now I just want justice they car was XXXX and it was a XXXX  XXXX they ripped me off from the start it was my first time ever getting a car through them my first ever repossession and my last im on the bus and they still wont leave me alone they tryna get a money judgement in court to garnish my wages please get em to stop help me please
Product: Mortgage

My loan was sold and I got a new servicer for the XXXX payment. In the statement that Fay Servicing sent me, they illegally added a deferred balance of XXXX to my statement. When I modified my loan, as long as I made 12 payments on time, the balance of XXXX would be forgiven and taken off the loan. Fay Servicing acknowledged this was in the contract, but is now trying to say they can collect if I fall behind on payments. This is an illegal attempt to collect a debt through fraudulent means. I want to use a forbearance for the next two months, but Fay Servicing is trying to say they can collect on the deferred balance which is not true. I have XXXX and this kind of bullying is detrimental to my mental health. What the company is doing is illegal under the US Code for collecting debt.
Product: Checking or savings account

I am a military member with 27 years of service and have had all of my checking, savings, loans, credit cards and insurance with USAA for 20 years. Recently, fraudsters accessed my checking account and stole {$6000.00} out of my account. This was done first by the fraudsters accessing my account and then calling me from a USAA number, spoofing both the USAA phone number and my IP address apparently. They represented that they were from the USA fraud department, and having received calls from USAA alerting me to fraudulent charges before, I logged into my account to see that two {$2500.00} cashiers checks and other fees that I didn't request were in my checking account. At this point, the person I believed to be the USAA rep told me that he would work to reverse the fraudulent charges and sent me a 6 digit pin to access my account. I read the pin back. When I was put on hold, the USAA official music played, the employee gave me his ID and employee number and based on other experiences with real USAA reps who have asked me for my phone password and pin, I believed I was dealing with USAA. I contacted USAA immediately, yet they still let the fraudsters cash the two {$2500.00} checks, take another {$1000.00} from my account without refunding, and are now telling me that it was my fault I read the six digit pin back and they don't for scams. 

This position is direct violation of Regulation E. The official interpretation of Regulation E provides the contrary answeran unauthorized EFT10 includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. 

The CPFB 's recent guidance affirms and clarifies this approach, noting that if a consumer is fraudulently induced into sharing account access with a third party, the subsequent transfer is an unauthorized EFT. This includes commonplace examples of digital fraud, including instances where a consumer receives a call from someone pretending to be a representative from the consumer 's financial institution, as well as phishing or other methods to gain access to a consumer 's computer and obtain such information. 

The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. CFPB also made clear that the official interpretation of Regulation E expressly provides that negligence by a consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. The interpretation notes that even consumer behavior that constitutes negligence under state law, including writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized EFTs. 

USAA is clearly in violation of regulation E, and need to reverse the fraudulent transactions, especially since it was their negligence after being notified of the checks being fraudulent sent to the scammers that they allowed them to be put through to my bank account.