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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Checking or savings account

On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.
Product: Debt collection

i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX
Product: Credit card or prepaid card

I paid the balance on my credit card late. ( I thought it was due on the XXXX ( XXXX ) but it was due on the XXXX. ( {$84.00} ) When I went to payed it off I selected pay the entire balance but it didn't say that I had a late fee ( {$30.00} ) or of course I would've payed it then. I already made an account when I payed the balance off but it wasn't working. I called them and I had to make another account. I paid the late fee and was told I would be charged another late fee because I only paid off the balance and not the first late fee when it didn't show up on my statement online. I explain this to the customer service representative and explained that I would not pay another late fee and she told me oh well.
Product: Checking or savings account

the bank over charges me every time i draw from this account.i want all the {$5.00} fees refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card

On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. XXXX
Product: Credit card or prepaid card

i had XXXX  XXXX service which was automatically applied to my credit card on a monthly basis.Icancelled that service within the required time period and returned their equipment.Icalled CAPITAL ONE, my card company and told them the XXXX account was cancelled not to accept or apply any requests for payment to my card, their represenative who are in XXXX XXXX assured me they had put a stop order for any transactions from XXXX XXXX XXXX  ; i called back several to assure there were no charges being applied again all in XXXX XXXX XXXX XX/XX/XXXX i got a bill from capital one and there was a charge for {$100.00} for XXXX XXXX that they assured me would not be applied.i called CAPITAL ONE they told me they did not know what happened or why the transaction still posted., they did not offer to help or fix the problem and after spending hours on hold and numerous calls all to no avail ; i had no recoursebut to cancell the credit card. i also sent a letter to capital one customer center in utah and have heard nothing from them.this company is terrible you cant get a phone number for any office in the U.S. all the numbers listed for calls end up in XXXX XXXX
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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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

THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT
Product: Bank account or service

XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, Used the bank Wells Fargo to direct deposit illicit funds into other bank accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I Was in a vehicle accident ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent Santander a check and the account was shown as paid off as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to Santander on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has given a different score to lenders than what Experian is reporting to me
Product: Student loan

I have submitted two requests to CFPB and one to XXXX. I have also reached out to my elected reps. Mohela sent me a letter about my prior requests essentially saying that my XX/XX/XXXX and XX/XX/XXXX administrative forbearances do not count toward PSLF. 

However, on the PSLF XXXX group there are other people who have had their past short term admin forbearances count toward forgiveness due to the 65904 Federal Register published in XX/XX/XXXX. 

All that I am requesting is Mohela to directly address this Register in writing and how it relates to my loans. They refuse to answer my question about this Register. 

As an aside, Mohela told me to apply for the Buy Back program, which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Believe I am a Victim of identity theft there are multiple accounts that i did not open or authorized. I really don't know anything about credit unit I recently checked my credit report and seen these fraudulent accounts. I am confused how someone can open an account in my name without my consent or authorization Please look into this investigation i will like these account to be remove from my credit report as its hurting my score and its fraud. thank you Fraud account are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have previously sent a letter directing Bank of America to stop sharing and opt out of them sharing my information with non affiliated XXXX parties. Yet they are still sharing my Private information. I never received a disclosure or an opt out notice. Per 15 USC 6801 - 6805 requirements. I never gave Bank of America permissions to share any of my private and transactional information to any non affiliated third parties! XXXX XXXX XXXX is the company that has my transactional and private information provided by Bank of America. Ive been denied access to a new bank account because of your willful ignorance, lack of care and communication. XXXX XXXX XXXX is NOT. an affiliate of Bank of America. Federal non-affiliated definition is companies not related by common ownership or control. They can be financially not financial companies. According to your privacy notice you dont share with companies such as XXXX. They are non-affiliate to your company. This is a direct violation of my right to privacy, Violation of private policy and the terms and conditions. So unless youd rather settle this matter in court while I seek actual damages Id suggest you remove my information immediately and pay to my account {$1000.00} per violation of every MONTH you have shared my transactions and private non-public information! This complaint is my official invoice to you. 
The total of monthly reporting transactions as of : XX/XX/2023 is XXXX. 
XXXX monthly reportings is a total of {$33000.00}. 
The balance can be sent immediately via wire to Routing : XXXX Account : XXXX If you choose to willfully ignore my requests again this is my official notice of my intent to sue and I will seek damages for every single time you have violated and reported my information to this company up until now.
Product: Money transfer, virtual currency, or money service

Im writing to formally expressed my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting specific issues with the platform. Deposit using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately, they informed me that receiving 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 users vulnerable to scam. this lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Debt collection

The company AFNI , Inc. has reported that I owe an amount of {$230.00}. AFNI claims, and is reporting on my credit report, that it was opened in XX/XX/XXXX. Supposedly, the original creditor is XXXX. I have asked for proof that the debt is mine on various occassions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have notified the credit agencies and had it removed from both XXXX and XXXX.  However, XXXX continues to say that is a valid debt, when I ask for proof I am sent a generic spreadsheet printout with my name on it and no details of any account. Furthermore, the only time in my life that I have had XXXX was between XX/XX/XXXX and XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The account with XXXX was closed prior to my bankruptcy ending. Therefore, it was included in my bankruptcy and even if the supposed debt was not included in my bankruptcy it would have already passed the 7 year statute of limitation for being reported to my credit and the four year Florida statute of limitation on written contracts ( of which no one has ever been able to provide one ). AFNI continues to " re-age '' this debt on credit report and refuses to remove it despite the fact it is eroneous and not mine.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX  stystems
Product: Checking or savings account

Capital One is refusing to close my 360 savings account, and is still sitting on my funds. I first wrote to Capital One requesting account closure back on XX/XX/XXXX. Capital One has dragged its feet ever since, holding my account open against my express written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/23, received in the mail by me XX/XX/23, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required 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. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Leading up to XXXX 2017, I received communication from Navient Corp, that I would need to start making payments on my student loan for which I have absolutely no problem with. Included in the email correspondence was a link to their website, for which I took time to navigate and become familiar. Their website offers interest rate reductions if you enroll in their auto pay program. Accordingly, I signed up for that online in XXXX 2017. Furthermore, to ensure I was properly enrolling in the auto pay program, in order to receive the interest rate reduction, I scheduled an appointment with a Navient Corp representative, for which occurred on XXXX XXXX, 2017 at XXXX. The representative confirmed that I was enrolled in the auto pay plan, and that I should receive the interest rate reduction. On XXXX XXXX, 2017 I noticed I still had not received the interest rate reduction promised on their web site and verbally by the customer service representative, even though I have been making my payments as promised. I contacted Navient Corp by email on XXXX XXXX, 2017 explaining the aforementioned. The response I received was from a Navient Customer service rep telling me " You must be enrolled in auto pay to receive the interest rate reduction ''. I responded on XX/XX/XXXX and XXXX XXXX, 2017 explaining that I had indeed enrolled in the auto payment program, which I confirmed with a representative over the phone. I checked again on XXXX/XXXX/17 to see if they reduced my interest rates, which they still have not, and my balances are still accumulating at the higher rate. I am very upset and feel like they are doing this deliberately.
Furthermore, I asked the Navient Representative if I could apply for an overall interest rate reduction on the balances that I 'm being charged close to 7 %. She told me " No, our hands are tied and the rates are set by the Federal Government ''. I told her I could n't afford these high rates to please reduce them all to the 3.6 % rate I have on one of my loans. Again, her response was " No, we ca n't do that ''.
My name is XXXX XXXX. Phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me frustrated especially when accessing to a different form of credit I needed for me and my family. I had no choice but to file this complaint.
Product: Debt collection

Upon examining my recent credit report, I identified multiple accounts that appear to have been added without my consent. I request their immediate removal and blocking.
Product: Student loan

Please see attached record of employment and screen shots from my account. FedLoan finally certified my qualifying service, but with huge errors. First, FedLoan omitted 24 months of service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even though they have certified my employment from my second employer. Second, they're not counting my service at my current employer, even though my application clearly says " I still work here. '' They've only counted 2 months ; I've worked at my current employer since XX/XX/XXXX, which means there's 3 months of services omitted. So by my count, I am missing XXXX  months of service. If these were accounted for correctly, then I would have loan forgiveness at this point. I'm so angry. They are incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.
Product: Debt collection

On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.
Product: Checking or savings account

I found out XX/XX/XXXX that in person withdraws were made in branch without my consent while i was out of the country. the bank failed to confirm the identity and coud n't notice that there were many withdraws in a same day with different banks. the bank also failed to block withdraws after i assured with them i am XXXX XXXX XXXX XXXX and still allowed my account to be compromise
Product: Credit reporting or other personal consumer reports

I went to my local mortgage broker to see if i qualify for a mortgage, but i found out i had some accounts on my credit that were fraudulent.