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

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

My car was illegally used unauthorized I didn't authorize the transactions I've been trying to dispute and transactions with Bank of America that keep on denying my disputes they're not giving me provisional credit or anything like that
Product: Credit reporting, credit repair services, or other personal consumer reports

My data, including SSN and addresses, was stolen as part of the major Equifax hack. In order to receive the free credit monitoring service through Equifax, they are requiring I waive the right to participate in a class action lawsuit. I do not wish to waive that right, so I am not able to receive any recompense for their improper security measures.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all three credit bureaus with tracking and receipt tracking. I have sent a letter to remove inaccurate personal identifying information to all three bureaus on XX/XX/2023 that included my drivers license, phone bill and social security. I've also sent a letter to all three bureaus to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification was sent to all three bureaus on XX/XX/2023. They all have lapsed with the time frame to reply with my last request on XX/XX/2023 and are still reporting with inaccurate personal identifying information. 

In accordance with the FCRA, all three bureaus has violated my federally protected consumer rights under the following Consumer Code of Laws.

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality under Receiving a post card with any update from Experian and having the postal service know what is being done is also violating my privacy. 
15 U.S. Code 6802 Not one creditor gave me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did not receive Method of Verification requested Per FCRA 611 ( a ) ( 7 ) did not reply in 15 days 15 U.S. Code 1681i ( a ) a complete investigation Per FCRA Section 604 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 a
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I possess no information on this matter, and the company proceeded without my approval.
Product: Debt collection

TODAYS DATEXXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Student loan

A rep XXXX submitted a finance request, but could not give me an XXXX as to how long this will take or when to expect a response! Per the XXXX XXXX XXXX  for borrower defense, which I am a XXXX XXXX  and expecting a refund of XXXX by end of XX/XX/year>! This is XXXX weeks away and it is ridiculous that they have no response as to when my check will be sent to me.
Product: Checking or savings account

XX/XX/XXXX Today, I open up a letter from Wells Fargo alerting me that all five of my accounts will be closed on XX/XX/XXXX. 

I have banked with Wells Fargo for over 17 years. I have plenty of money in the bank and haven't overdrawn on any of the accounts. When I called this morning and spoke with " XXXX '' in the executive office, she said that she could not give me an explanation and that this was a " business decision '' by Wells Fargo. 

It is not right and it is unfair to close an account much less all five without giving reason. As far as I am concerned, this is no good reason. I am an upstanding U.S. citizen and give thousands of dollars each year to the church! This is a travesty of justice! 

I am requesting that an investigation take place regarding Wells Fargo Bank in regards to my accounts and their banking polices in general. I am also requesting that all five accounts not be closed but remain open and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 or other personal consumer reports

National Credit Adjusters has incorrectly reported a false address on my credit report. Because this was reported by them, I am unable to dispute the address and have it removed from my account. The company did not inform me or try and have it removed from my account. I asked for a report of the information detailing what information they have and what accounts they have, because now I believe that there is a lot of wrong information.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Balance : {$6100.00}.
Product: Consumer Loan

I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.
Product: Debt collection

account opened XX/XX/2022. Called them and asked for the contract/documents with my signature to verify the debt. Said I would be happy to pay ONCE it is verified that it is indeed accurate and valid. Nothing was ever emailed over and they record calls so all this is recorded. In the letter it states 'Call or write to us by XX/XX/2022, to dispute all or part of the debt ' 'If you write by XX/XX/2022, we must stop collection until we send you that information. ' This was not followed as I called prior to that date and all this is recorded. Since no letter or document was provided within the window I need this removed from my all 3 credit bureaus then an updated credit report mailed to me. 

Account name CONSUMER COLLECTION MNGT Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$150.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX
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 15 USC 1681. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX5 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: Checking or savings account

On XXXX XXXX, 2017, I received an email from Wells Fargo stating if I signed up for a VISA Checkout account and made a qualifying purchase of at least {$10.00}, Wells Fargo would credit my checking account {$10.00} within 45 days of XX/XX/XXXX, the last day of the promotion. I even created the VISA Checkout account through the link provided to me in the email. I have called this company numerous times ; however, my calls seem to fall on deaf ears. No representives seem to know about this promotion, and the reps who did know about it did not know how my account would be credited. The final rep I spoke with had me fill out a form that did not seem to go anywhere. This led me to file a complaint with the CFPB, which is utterly ridiculous, for {$10.00} - yes {$10.00}.
Product: Payday loan, title loan, or personal loan

Someone applied and received a loan using all of my personal information. 

The amount of the loan was {$4000.00} It was from Tower Loan XXXX XXXX, XXXX Check date : XX/XX/2022 Check number : XXXX Loan number : XXXX Branch Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Product: Checking or savings account

On XX/XX/2023, {$570000.00} was wired to my personal acct for consulting services rendered. The wire was from XXXX XXXX bank. The money cleared and was briefly available to me on XX/XX/2023. I sent out approximately {$700.00} in small transactions. On XX/XX/XXXX I attempted to send various amounts out of my account to others, the account was frozen and access to my account was blocked. The credit union unblocked, however the money has been frozen until this current day. I have inquired several time, as to the reason for of these actions. The security division of the credit union is investigating a concern, but has not clearly communicated with me verbally or in writing the reasons for these actions. 

Ten business days have passed and I need the CFPB 's assistance in obtaining resolution of this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Customer Service Department Subject : Request for Review and Unlocking of my Zelle Account I am writing to you in order to request a detailed review of the restriction imposed on my access to Zelle, associated with my XXXX XXXX account. Recently on the XXXX of this month ( XXXX ) I was notified that my account has been blocked due to alleged fraudulent activity, a situation that I do not know and with which I have no relationship. On XX/XX/XXXX my son-in-law asked me if I could receive money in my account for a piece of clothes he sold, I said yes, I received a transfer from Zelle for the amount XXXX {$2000.00} in my account, this amount was transferred immediately via Applepay to my son-in-law XXXX a week later on XX/XX/XXXX when I went to transfer the rent money I see that my Zelle is deactivated. 

We have been calling the bank, calling Zelle, we have gone in person to the bank and not or we have specific help, they only say that the person who made the transfer reported a fraud and they ask me to make a letter with an authorization of that transfer ( what authorization? Zelle does not ask for authorization to receive money ) we try to communicate using different phone lines with the person who reported fraud to ask what has happened but his phone always appears off which is suspicious and you are waiting for a refund. 

I never received a letter, a statement, a notification to inform me that this person was asking for his money back or that something was happening, I am a hardworking person and very respectful of the laws, they just closed my account and called me a scammer without first trying to find out and reach an agreement. 

They say that the only solution is for that person to withdraw his accusation or else I will never be able to use Zelle, something impossible to achieve since we could not communicate with the person to explain the reason. The only thing we got was a case number # XXXX. 

I want to make it clear that at no time have I made fraudulent transactions or engaged in activities that violate the terms and conditions of the service. If my account has been compromised in any way without my knowledge, I am willing to fully cooperate to clarify the situation and prove my innocence. 

I would appreciate it if a thorough review of the case was carried out and that I was informed about the steps to follow to solve this problem. If additional documentation or evidence is required to prove the legitimacy of my transactions, I am in the best disposition to provide them. 

At this point it seems to me that the person who accuses me is the one who is committing the fraud since it seems that she is hiding and there is no way of cooperation I look forward to your prompt response and a favorable solution as soon as possible. I appreciate your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XXXX regarding Experian reporting my personal information inaccurately. I was VERY clear as to what should be reported to my consumer reports. This credit reporting agency deleted the address that was my actual current address and left a XXXX XXXX XXXX on my address which is in fact not the accurate address I told them to keep. Experian is in violation of my consumer rights. They are required to protect my personal private information according to the FCRA 15 USC 1681 ( a ). I'm disappointed because I made my letter so clear an XXXX could get correct. I also provided supportive documentation such as my social security number, and a bill showing the correct address. Experian is in violation of the FCRA 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX has failed to assure me XXXX percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. Transunion is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Product: Credit reporting or other personal consumer reports

Within XXXX seconds of each other experian closed XXXX while still working on this complaint and yet once again ITS THE SAME PROBLEM which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back
Product: Debt collection

After placing my home up for sale, I was notified that my property has a default judgment lien that was filed in XXXX by the Patenaude & Felix a law firm/debt collector. The default judgment was obtained by fraud upon the court by filing a defective proof of service. 
Based on information obtained from an associate of XXXX XXXX XXXX, the date of personal service was made on XX/XX/XXXX to a male at my address, and a default judgment requested on XX/XX/XXXX. I have undisputable evidence, that from XX/XX/XXXX until XX/XX/XXXX my XXXX XXXX XXXX son and I were in XXXX Colorado taking care of my XXXX mother, and the only person that would have been at my home on the date of service would have been my sister who was watering our house plants. Based on these dates, it is impossible for me to have been served court documents. I have researched this law firm and find this to be a normal practice, submitting defective proofs of service, and obtaining default judgments. 
There have been many civil suits filed against this firm, only to be dismissed based on the plaintiff 's lack of knowledge of the law, giving Patenaude & Felix and XXXX  for dismissal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has an account on my credit report number XXXX an authorized user account reported on my Equifax and XXXX credit report that is not mine. 

I've tried to contact XXXX card services several times and also disputed with credit bureaus several time. 

These XXXX agencies have refused to investigate or remove said fraudulent account. 

This XXXX account is not mine, I did not authorize or give any XXXX of my information to use it for anything. 

In lieu of litigation at the man that chase cart services, the credit bureaus Equifax, transient, and experience delete and remove this account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX. XXXX is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.