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

they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 section 604 A 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 a open end consumer credit plan as late for any purpose.

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This USAA Savings Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX*************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX Account XXXX XXXX XXXX XXXX XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that XXXX, TransUnion, and XXXX remove this alleged account from my credit report under the XXXX XXXX XXXX by Silence. 
XXXX. Not authorized to conduct business in the state of Florida. 
XXXX. Failed to cease collection ( XXXX, TRANSUNION, XXXX ) on the debt validation PROCESS
Product: Checking or savings account

FinBe, Inc made XXXX withdrawals ( XXXX? ) from our account at XXXX XXXX without authorization. XXXX XXXX and FinBe are both refusing to return XXXX  funds.
Product: Credit card or prepaid card

I had asked for emergency funds thru XXXX XXXX as I had done before and each time it has taken three hours but not this time .. I have put in 5 requests since the first request and was told it would be. 3 to 5 hours., I had been waiting for 24 hours now and still NO XXXX NUMBER each time I have been told that XXXX XXXX NEEDS TO APPROVE the transaction XXXX XXXX XXXX says they are more than happy to send the money but bank of America needs to release the money from my edd account .. they have no authority to approve or deny the transaction and bank of America . My husband and I have been stranded on the hiwat with no gas a flat tire and NO MONEY .. feeling confident this will only take three hours s ..well I have put in 5 requests in the last 25 hours and still have no XXXX XXXX XXXX # and now the XXXX XXXX supervisor at bank of America says XXXX XXXX says there is no guarantee it would get approved ... Approved? Really? It's not like I'm trying to make a loan ... I have more than enough money in my edd account .. so I have no idea what the problem is .... No wonder bank of America made more money in fees and surcharges than California paid out in unemployment benefits ..and there are being sued every day of the week ... Unemployment needs to rethink there strategy on how to deliver benefits because this is INSANELY RIDICULOUS AND UNCALLED FOR. 
So I will sit here in the middle of nowhere with not a cent in my pocket ... I got plenty in the bank and don't need this problem or could be home .. bit no bank of America wants to steal my money to and pass the buck and blame XXXX XXXX?? XXXX .... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGESTREAM has assumed a vital role in assembling and evaluating my consumer credit report which has led to several adverse actions.

SAGESTREAM is in violation of my right to privacy in accordance with 15 U.S.Code 1692 ( a ).

SAGESTREAM is in violation of 16 CFR Part 603.2 ( a ) by using my personal identifying information without my authority.

SAGESTREAM is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my expressed written consent, they have violated my rights and have committed fraud under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Notice, it is a fact, SAGESTREAM is in violation of 15 U.S.C. 1681 ( b ) under Permissible Purpose, which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby demand under written instructions, that SAGESTREAM perform the following : Consumers direction, SAGESTREAM 'S direct affiliation with the furnishing my personal identification information without my written consent or, giving me the opportunity to opt-out of such information being furnished to conspire to injure or oppress my free exercise or enjoyment of any right, ( denying me of my personal, family, living, and household expenses ) is in direct violation of 18 U.S. Code 241 Conspiracy against rights.
Product: Mortgage

I tried to pay my mortgage on the first of XX/XX/year>. Due to an issue on my end which i fully acknowledge, the payment did not go through. Due to a timing issue in my checking account, there were not enough funds in my account at the time that Wells Fargo tried to retrieve the funds. This is 100 % my fault and I gladly paid the insufficient funds fee my bank gave me. Between the XXXX of XXXX and the XXXX of XXXX Wells Fargo tried to retrieve the funds 3 times. All 3 times failed because of insufficient funds. I spent those two weeks thinking the payment had gone through and did not login to my bank or Wells Fargo to check. At NO POINT did Wells Fargo try to contact me to tell me there was a problem with the payment. Had they told me, i could have corrected it in less than XXXX XXXX. The last day of the month to pay my mortgage without a late fee is the XXXX. Wells Fargo sent me an email on the XXXX telling me it was late. I was not monitoring my emails and did not find out that my payment was late until they called me on the XXXX. Again, I fully acknowledge that not seeing that email on the XXXX was my fault. But by that time it was already too late to rectify the situation. 

So, my complaint is that even though Wells Fargo knew there was an issue with my payment, they did not tell me of the issue until it was too late for me to rectify it without incurring a {$50.00} late fee. My complaint is NOT that they didnt call me until the XXXX. Thats fine. My complaint is that the very first time they tried to contact me AT ALL, was the XXXX. 

Wells Fargo opened a complaint ticket for me and investigated. Their explanation is that they dont contact the user until the XXXX attempt of payment has failed. I dont know if that 3rd attempt always happens after late date but at least in this case, their policy of not contacting the user after the first two attempts has forced me into a late fee. I found this explanation to be inadequate as all it means is their policy is to withhold information until its too late. 



Thank you
Product: Checking or savings account

I was not aware of this account under my name, which I never opened, this is not my account.
Product: Checking or savings account

I began to experience issues with my Bank of America Debit card not working ( XXXX XXXX ) when attempting to make purchases. I attempted to login online and was unsuccessful so I called into Bank of America. They then reported my bank account was closed due to depositing a third party check. 

I have a joint account with my wife and I barely use it. I never deposit checks or cash checks but somehow Bank of America is claiming I deposited a check that was not made out to me. For one how is this possible? Two they know the exact date and time the check was deposited and have video cameras at all of their ATM locations. If I had deposited the check they would be able to produce video evidence. The truth is I did not deposit a 3rd party check and now It's showing on my checking consumer report. 

This false reporting is preventing me from opening an account anywhere else.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers financial safety.
Product: Checking or savings account

As of XX/XX/21 when BBVA shut down Simple Bank I have had XXXX visibility on my funds and can not access them online whatsoever. They have shut down their customer service line - despite what they claim on their XXXX page. They claim their lines are open for extended hours but when you call in you get a recording saying they're not available and to call back later. There has been no official statement and other users have shown that what they have claimed on XXXX is false. Automatic bill pays are not processing, our routing numbers have changed, there is no guarantee our direct deposits will process, our debit cards have started declining, the list goes on. People are unable to pay their bills and access their money.
Product: Mortgage

I refinanced my house with Rocket a couple of years ago and everything went great and then I reached to get a new home loan because I was going to relocate and everything seemingly went well and then it all went to XXXX. The first Mortgage person I was dealing with went well and then I got re-assigned to another Mortgage broker and that is when things started going downhill. I kept reaching out to this person to get a hardline number as to what my budget was and finally received the information and I started looking and found a place. I made an offer and it was accepted and they received the PA ( Purchase Agreement ) and then I got re-assigned again to someone who was licensed in my state and that is where it went really bad. Apparently, I no longer qualified for the XXXX program I qualified under and then the rocket mortgage incentive for using a preferred agent I was no longer qualified for because of my XXXX, which has not changed since my original approval and the XXXX did not have PMI attached, so essentially Rocket XXXX XXXX XXXX XXXX that I have no choice but to move forward with an astronomical house payment and sell mine because my house is under contract. 
What ever you do, do not use Rocket Mortgage. They did a bait and switch and now I am in a situation where I have no choice but to move forward or risk being homeless. 

I want them to honor the original arrangement because I have all the emails that took place regarding the agreement and I used a Rocket Preferred Agent and Seller. I lived up to my end and made no changes and even paid off additional debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, Original creditor : XXXX Balance XXXX, Original creditor : XXXX Balance {$1100.00}, Original creditor : XXXX Balance {$1000.00}, Original creditor : XXXX Balance {$710.00} are reporting on my personal credit file with ( Equifax/XXXX ) credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request I sent to Equifax and XXXX XXXX on XX/XX/XXXX. Both have taken longer than 30 days to respond.
Product: Mortgage

XX/XX/XXXX Escrow Analysis Date from XXXX XXXX. XXXX  of {$71.00} identified. If escrow shortage payment was made, new payment amount would be XXXX. If payment was spread, payment would be XXXX effective XX/XX/XXXX. 
XX/XX/XXXX Letter date from XXXX XXXX - Notice of Servicing Transfer received effective XXXX. 
XX/XX/XXXX Escrow payment made of {$71.00}. I sent it to XXXX XXXX based on the instructions on the Escrow Shortage Remittance Form with a note it was an escrow payment. It was received by XXXX XXXX, who transferred the funds to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX received the escrow payment and applied it to principal on XX/XX/XXXX. 
XX/XX/XXXX I paid {$720.00} to XXXX XXXX, thinking the extra would go to principal. I was expecting the extra to be {$12.00} XX/XX/XXXX XXXX XXXX generated a monthly billing statement XX/XX/XXXX Upon receipt of the statement, it was reflected that the payment amount was {$710.00}. I contacted the Customer Service team at XXXX who said they would reverse my payment of XXXX and correctly reapply it as an escrow payment. Then they would reverse my XXXX payment and reapply my payment of {$720.00} correctly to allocate the additional to principal. 
XX/XX/XXXX XXXX XXXX generated a monthly statement. 
XX/XX/XXXX Upon receipt of the statement, it did not indicate any of the actions had been made as discussed on XX/XX/XXXX. I spoke with XXXX at the above number and she said not to worry about it... they were going to run a new escrow analysis in XXXX. I said I am not going to pay another escrow shortage. And you shouldn't be charging me a higher payment amount when I made the payment as instructed on my analysis. XXXX XXXX agreed to reverse the payment and reapply it to escrow, but would not change my monthly payment to the agreed payment of {$710.00}. 

XXXX XXXX would then blame Equity Resources for not sharing analysis data and when approaching Equity Resources on XX/XX/XXXX with XXXX claimed that XXXX XXXX was not factual. However, they had sent me a letter on XXXX that indicated they transferred my loan at the wrong payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have been challenging fraud INQUIRIES. My credit score has been negatively impacted by these false INQUIRIES, which the Equifax bureau appears to be ignored. If the INQUIRIES claim that they are mine, I have asked that an investigation be opened and that verifiable evidence be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please quickly remove the INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Report act, everything has to be 100 % accurate on my credit report and under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.
Product: Debt collection

I have a debt and the collector has begun to call family friends given personal information about the debt and why they are calling leaving detailed messages. Contacted many family members demanding locations and money even thought the collector already has my number and address for them to contact.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed an account that is not reporting accurately. I have a late payment appearing on my XXXX XXXX XXXX  account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your immediate attention and prompt action to my request.