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

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, XXXX, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. Moreover, 15 U.S. Code 1681s2 ( a ) (
1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I informed Transunion of an old closed account from XXXX XXXX that continues to report incorrect past due amount and balance. The account has been closed for 10 years, their " charged off '' amount from XX/XX/XXXX was CANCELLED by the IRS on XX/XX/XXXX XXXXode G : due to LAW & policy after 5 years of me sending complaints. I notified both XXXX and Transunion that the balance being reported never existed and there is no past due amount as anything relating to this account was cleared in XX/XX/XXXX yet for some reason a balance kept being reported that was more than the original charge off and cancellation. I was never late on this account to begin with. They failed to send my bill, improperly processed payments and reported inaccurate data and the whole issue is OLD! It looks like XXXX did report the balance and past due as {$0.00} on XX/XX/XXXX, but Transunion sent me a credit report still showing the bad data on XX/XX/XXXX. I called Transunion and the agent told me that the negative item was removed but my report wouldn't refresh until XX/XX/XXXX when the dispute officially closes. He suggested I check XXXX XXXX on the XX/XX/XXXX to see the change and I did see that the balance and past due were put to {$0.00} and my score went up. The agent told me the new data would be effective immediately and I could apply for credit after the XX/XX/XXXX but when I applied to XXXX XXXX XXXX on the XX/XX/XXXX for a business credit card for my business that has been on hold all year cause I can't get a business credit card to charge needed materials and inventory with business buying protection, I was rejected. Apparently, XXXX did NOT receive the refreshed credit report, they got an old one with outdated, inaccurate data and a much lower score than anything shown to me.
Product: Student loan

Since graduating from school in XX/XX/2009, I have made my private student loan payments every month as required. I expected to have a monthly payment. However, the interest that is charged is a complete and unfortunate scam. I have paid nearly {$35000.00} towards interest since taking out loans ( I will add, I was only XXXX years old when I first went to college ). Now that it is nearly 15 years later, I am still struggling in paying off my loans at XXXX years old as a single parent. I have a great career and I work very hard, however there are no options to get my principal balance down and to live a normal life. I regret taking out these loans at age XXXX with little to no understanding of how it would ruin my future along with my child 's future. I make a good living but I can not live a good life. My student loans have ruined my life. Since XX/XX/2009, only about {$7000.00} have been applied towards my principal balance while Sallie May ( Navient ) have gladly taken nearly {$40000.00} in interest because Im liable for making that monthly payment. 

Navient has taken over my future and I would have been better off without an education that is this costly. No one signs up for this type of debt willingly at age XXXX nor could a XXXX year old understand what type of debt they could fall into during repayment after graduation. The daily interest accrual is unjust nor should I have been given loans at such a young age without fully understanding the nightmare I was getting into. I make my payments every month because I understand I borrowed money for my education - HOWEVER - I did not sign up for this interest scam. My principal balance barely changes every month but I keep paying a huge payment because that is my duty as a borrower. Interest should not be a chance to take advantage of consumers but give a consumer a chance to pay off their debt!! 
I don't live a good life because of Sallie Mae ( now Navient ), and neither does my child.
Product: Money transfer, virtual currency, or money service

I initiated a transfer of {$3800.00} USD to XXXX with OFX on XX/XX/21, and submitted all documents as requested. The fund did not arrive at the recipient 's account in 3-4 business days as promised. I reached out to OFX three times in the next 2 weeks, no progress. I requested to cancel this transfer and send the money back to the account I used to pay on XXXX. They promised that I can have the fund back in my account by end of day XXXX, and this also did not happen. I WANT MY MONEY BACK!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX engaged in an act of consumer fraud, attempting to sell my wife and I services on the basis of information that was not factual. When I attempted to reconcile the issue with XXXX, I was repeatedly told the issue was resolved when in fact it was not. I informed them to cease all activity on my account. They suspended my ( the owner 's line ) and my wifes lines, but kept the bill going for 3 phones under my XXXX XXXX XXXX daughters name. How this is legal I have yet to understand. 

In the end, I submitted a complaint with the Delaware State Attorney General 's Office regarding the fraudulent business practices while deciding whether to pursue holding the company accountable in Arbitration or Small Claims. 

XXXX continued to send me bills of varied amounts. It then appeared that XXXX XXXX turned the account over to a collection entity. With so many different numbers being presented to me, the fact that the company repeatedly lied, and not knowing the details of their claim I submitted notification that I was disputing the debt and requested detailed information regarding it. 

The debt verification letter was written on XX/XX/XXXX and mailed on XX/XX/XXXX via USPS Priority Mail with Tracking. According to USPS the letter was Delivered, Individual Picked Up at Postal Facility  XXXX XXXX ( see attachment ). To date, over 2 months later, I have received no reply to my request for verification. 
XXXX XXXX failed to provide debt verification. I am taking this to small claims and continuing to pursue action with other regulatory agencies. I learned today that there has been an amount of {$1100.00} posted to a major credit bureau claiming this was a collections account. XXXX billed for services not rendered. XXXX engaged in deceptive business practice. XXXX FAILED TO RESPOND TO MY REQUEST FOR VERIFICATION.
Product: Credit card

I will try to make this as short as possible. 2 years ago I had an issue with Synchrony Bank/Paypalsmartconnect. I had noticed that there were monthly payments that I had made not posted to my account. It took me numerous times to even manage to get any help from someone with this company about this issue. Every time I called, I would tell whom ever I spoke with that I had statements from my bank showing that the payments were accepted by them and where did they put the money? They would just ignore what I was telling them and say that they did n't receive the payment. After quite a few try 's, I finally got someone to help me, so I thought. We had agreed to put my account on a freeze until they could figure out what the problem was. I was sending them a package that included my payment information with the receipts from my bank stating that it was paid, etc. Within that time, there was another charge to my card that was not mine and I informed them of this and they were going to look into this too. After I sent them the package, I never heard another word from them via mail, phone, email. Not another bill or anything. Fast forward to now : I had run my credit report ( because I am applying for a mortgage ) and saw this account on there as a " charge-off ''. I was beyond upset of course. When I called Synchrony Bank, I was told that they could n't help me and that my account was turned over to a collection agency ( XXXX ) and to call them. So I did and when talking with them, I asked why I was never notified about this collection account and they read me back all the contact information that they had for me and it was completely incorrect! So all this time they were not able to contact me concerning this debt because Synchrony Bank gave them the wrong info. So now the only way I can even talk to Synchrony about the original issue with this account and to try and straighten it out was to pay the collection agency what they wanted and then Synchrony would then have the account back and would be able to talk to me. I was also advised that I could not dispute this case if I wanted to get approved for the mortgage that I was trying to get, so of course I paid the fee that the collection agency wanted because I did n't have a choice. When I was able to talk to someone at the bank, they were not very helpful with the remaining problem and with the current issue of how they were going to clear this up with my credit since they were the ones at fault. It was like they had all previous conversations completely wiped out of their system. I was basically told that I was out of luck! So now my question is, what do I do next? I still have some of the information showing some payments that were never posted to my account ( it was originally XXXX, but I only have XXXX proof of payments at the moment ). If this was all taken care of when they said they were going to, the balance that I just paid would have been less than half ( no late fees, etc. ) and this would be an issue on my credit report. Which of course is keeping me from getting a loan! I have several complaints about this banking institution. Something must be done.
Product: Debt collection

I had a car loan and the company told me they received the pay off check after it was totaled out. I paid several months for a car that was no longer in my possession and they marked two payments late because of the miscommunication between the bank, my insurance company, and the gap company. The bank reimbursed me for my car payments made after they received the pay off check as well as the late fees but will not remove them off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute with Experian regarding me being a victim of identity theft, filed a police report, sent them my id, address, info regarding the identity theft ( the items that are fraudulent were circled on my report, they refused to remove said items from my report according to the fair credit reporting act section 605B, instead they send me a letter saying that my request for a block or deleting said items were either made in error or based on material misrepresentation, or I knowingly obtained these said goods or services. All above they determined are false and I demand these items be removed/deleted from my file as section 605B so states.These are fraudulent items that I discovered on my credit file a direct cause of the identity theft I sustained and demand they be removed or I will be forced to file a court action if they are not removed immediately.
Product: Credit reporting or other personal consumer reports

experian is reporting XXXX  XXXX  ending in XXXX on my credit report this account and balance do not belong to me
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation. Furthermore, I seek your assistance in placing an extended fraud alert on my credit file to avert any future unauthorized activities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability
Product: Mortgage

TO CFPB : THIS IS MY THIRD ATTEMPT TO HAVE CFPB DO SOMETHING BESIDES ACCEPTING THE SAME CANNED RESPONSE FROM B OF A. ALLOWING THEM TO CUT/PASTE THE SAME RESPONSE AND THEN CLOSING THE CASE PERMITTING THEM TO HAVE THE FINAL SAY IS UNACCEPTABLE AND DOES NOT DEMONSTRATE THE CFPB MISSION TO " PROTECT CONSUMERS. '' Here are my queries to their response that claims I failed to finish a process - which is totally inaccurate, and they know it. 

1 ) I do understand that because my former spouse declared bankruptcy, that his actions don't relieve the debt we incurred jointly. That is why I was asking about modifying it, so please don't include in the response this bit of information as I understand this. What blew my mind was that B of A was essentially telling me that the debt was erased due to his actions which was crazy talk, but those were the types of responses I got when trying to reconcile this debt. 

2 ) I NEVER got the XXXX Pre-Foreclosure Notice. Please demonstrate proof that this was received by me. You don't have proof as it never happened. 

3 ) Your records about my XXXX home retention attempt are totally false. I was trying to modify my loan, as evidenced by the attached, and you'll see your reps response that reads " I'm not ignoring you XXXX. Just real busy. .... '' and I was never able to get back on board to get anyone to help me with my 2nd mortgage until I got the Notice of Default years later. You'll also note whereas I asked about modifying my 2nd mortgage wayyyy back in XXXX when I began my first mortgage modification. Why on earth would a reasonable person go through the entire process to modify their 1st mortgage and then just blow off modifying the 2nd mortgage? Please explain a logical reason why anyone would do this - nope, no logic there. 

4 ) YOU SHOW ME where I acknowledged that I was not interested in modifying my 2nd mortgage prior to the NOD being filed. You have no proof because it NEVER happened. 

I will continue to file complaints and eventually consult an attorney, but please don't respond with the same erroneous summary that you are using to substantiate your position. B of A was simply ill equipped to handle the modification of the 2nd mortgage which is not my fault. So I'm asking for some relief of the fees and interest charged during that timeframe.
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 : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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: Bank account or service

On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX ( billing ) at XXXX at the end of XX/XX/2018. I informed the representative that I had made a payment of XXXX  $ via the Patient Billing Portal website and will pay XXXX $ monthly to pay the debt in full. She informed me that the collection agency would be informed of my payment. I tried to reach XXXX XXXX XXXX on XX/XX/2018, thru their email XXXX but no reply. Then, I reviewed my credit report on XX/XX/2018 and the balance in my credit report shows XXXX . The correct balance is XXXX   . I want the account balance to be updated.
Product: Checking or savings account

On XX/XX/2019, 2 separate pending withdrawals for {$2000.00} appeared in my Chase checking account that were not authorized. These were " XXXX  with XXXX '' withdrawals. I have never used XXXX or XXXX. I do not recognize the names of the individuals whom withdrew the amounts. Chase will not stop the transactions. 

I want my money back from Chase.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to officially dispute inaccurate information on my credit report that I understand is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate.