23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Greetings, Consumer Financial Protection Bureau the credit bureaus responsible for maintaining accurate credit information, has committed egregious violations of consumer law, which I am writing to report. It is crucial that these violations are dealt with promptly and appropriately. Prior to anything else, I would like to highlight the Bureaus problematic practice of removing prior dispute results from their records. Each Bureau has removed derogatory information from my credit report following the initial investigation into my dispute. However, they have repeatedly failed to retain these deletion records, resulting in the re-reporting of deleted accounts. In addition to undermining the integrity of the dispute procedure, this practice violates the Fair Credit Reporting Act ( FCRA ) by misrepresenting accurate credit information. I request that the Consumer Financial Protection Bureau assures XXXX is held accountable for this practice and mandates the retention of all dispute outcomes and deletion records.The following violations are included, but not limited to : Failure to comply with Section 809 ( b ) of 15 USC 1692g - Validation Request : This section grants me the right to request validation of the putative instruments of indebtedness. The credit bureaus have, however, neglected to provide me with the original loan documents bearing my signature, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. They have only responded " VERIFIED " in their response, without any actual evidence, which does not satisfy the legal requirement for verification. Inaccurate Reporting and Violation of FCRA Section 1681e of Title 15 In apparent violation of Section 1681e of Title 15 United States Code, the credit bureaus have reported inaccurate information on my credit file. This includes reporting fraudulent late payments, negative loan and credit card accounts, as well as unauthorized hard inquiries.

Section 1692e of Title 15 of the United States Code prohibits these fraudulent and deceptive statements. Willful and Negligent Noncompliance with the FCRA and Consumer Law : Despite my prior dispute investigations resulting in the removal of derogatory information, the credit bureaus have continued to report inaccurate and unverified items on my credit report. This willful and negligent violation of the FCRA is a violation of Sections 616 and 617, which provide civil liability and remedies for affected consumers. Reporting Deleted Information : Violation of Section 405 ( a ) of Title 15 U.S. Code Once information has been purged due to fraud, it can not be reported again, per Section 405 ( a ) of Title 15 of the United States Code. However, credit reporting agencies continue to report deleted accounts In accordance with the Fair Credit Reporting Act American Express Account # XXXX, American Express Account # XXXX, American Express Account # 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
Product: Vehicle loan or lease

I applied for a car loan when my credit score was excellent. They had a 0 % offer advertised. I was not offered this loan but a higher amount. 

Why did I not get the special offer?
Product: Debt collection

My consumer rights are being violated by NCB Management Service they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to NCB Management on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act.

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.
Product: Mortgage

I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Fees and overdrafting delay of deposit and didnt have a number to contact them at
Product: Credit card or prepaid card

XX/XX/2018 trying to purchase gas with the XXXX CARD. It is not working. We are out of state traveling. Called number in back of XXXX card and after automated prompts told to call back during business hours ... do not TELL you the business hours. Most people travel on weekends ... it is summer after all. How can a customer not be able to get gas???? And then not be able to speak with customer service! Deplorable treatment of the customer! I called back again ... went thru the prompts. And tried to report that we were traveling. Again, we were told to call back during regular business hours!!! Which are not provided in the recording! Disgusting!!!
Product: Credit card

in accordance with the Fair Credit Reporting act XXXX  Account # 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I received alarm notice from Experian, stating it could not connect to my bank account to perform Experian Boost. I was anticipating score increase today due to recent utility payments, and immediately followed Experian 's online instructions to fix the problem. No luck, so I called Experian. Was told by first rep to disconnect my bank account and then reconnect. According to her, any points deducted from my score during this process would be reimbursed as soon as I reconnected my bank account. Although I was not comfortable with any of this, I disconnected my bank account. My credit score instantly decreased by 13 points. When I tried to reconnect bank account, Experian site again consistently prompted " Bank Unsupported ''. I called Experian 2nd time. 2nd rep told me to try to reconnect " at a later date ''. UNACCEPTABLE. I asked her to, at the very least, return my 13 points to my credit score. She wouldn't, and would not connect me with someone who could. At great personal cost, I have been rebuilding my credit. I am XXXX   XXXX and chronically ill. It is extremely difficult in my condition to jump through hoops consumers are put through by credit reporting agencies. Additionally, Experian insists on having your bank log in information, password, routing #, etc., which consumers are advised NEVER to furnish to anyone. My social security benefits are direct deposited into my bank account. I am worried to death about my money now. Due to XXXX XXXX, I am unable to physically get to bank today to take out my money, nor do I want to. I can not go to supermarket in person, so I need to keep my money in the bank in order to pay for groceries, as cash is not accepted by online grocery delivery services. Additionally, the frustration of credit score decrease instead of score increase through Boost which should have been done today is causing me to have a colitis attack which could very possibly put me in the hospital. I want my 13 points back. I want to know what Experian considers a " later date '' to reconnect my bank account. I want today 's Boost to be done - increasing my credit score.
Product: Credit card or prepaid card

Chase Bank as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$690.00}. I understand there is a balance owed on this account but I currently working with collection agency attempting to settle debt. This account has been charged off and would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} CREDIT COLLECTIONS SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Product: Checking or savings account

Deposited {$1000.00} check on XX/XX/XXXX via mobile check deposit. 
Received notice that funds are not available for withdrawal next business day on or about XX/XX/XXXX. 
As of today ( Mon XX/XX/XXXX ) Capital One has failed to make funds available after 11 business days and has not provided any timeline for when funds will be available in violation of Regulation CC. Capital One refuses to work with bank check is drawn from to confirm availability of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving alerts on my Equifax credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/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 XXXXl XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

After numerous requests I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to This matter. 
PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED all DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

I have provided my signed self attestation, my drivers license, utility bill and letter which is whats required by law.
Product: Credit card

The company is reporting negative, false, and misleading information to the credit reporting agencies. And I was never given the proper disclosures as required by law to opt out of sharing of my personal information to credit reporting agencies. Therefore, my personal information is being shared to XXXX XXXX, XXXX, and XXXX without my prior written consent. The negative information is damaging my credit reputation daily and preventing me from obtaining credit for personal, family, and household purposes.
Product: Checking or savings account

XXXX deposit showed up as not going through on the app but was still taken funds from my bank account. Sofi has taken more than 3 months to do something about it, not even give a provisional credit and their customer service is absolutely terrible. No body can help you in regards to your dispute and the only people that can are available through email only supposedly that dont answer you for weeks on end.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX  I received a credit report alert of Carrington Mortgage reporting a Major Derogatory. I immediately called because we've never paid late, ever. Their answer was that Fema reported a natural disaster in our area in XXXX and I asked, what does that have to do with us. We pay our mortgage every month. She said you will have to write to us. I am sure by the way she spoke to me that they are commiting fraud and falsly reporting deferments to the federal government. I see this isn't the first time with all the online information about them, but they won't play with my credit that is excellent. Please help me. I would like an investigation to prove this and get legal action against them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 3 inquirys on my report with : 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 That I did not submit.
Product: Credit card or prepaid card

In mid XX/XX/XXXX, I noticed a promotion from American Express for a new credit card called the AMEX XXXX XXXX XXXX XXXX. The promo was for AMEX to give XXXX XXXX XXXX points for making purchases for making {$3000.00} in purchases using the AMEX XXXX XXXX XXXX XXXX. I received the card an made over {$3000.00} in purchases by XX/XX/XXXX. 
I made a phone call to the AMEX Cust Service line XXXX on XX/XX/XXXX at XXXX and talked with " XXXX '' and was advised by XXXX that I was " completely eligible '' for the bonus and the bonus will be displayed on the next AMEX statement. XXXX confirmed that I had not had this credit card before so I was eligible for the bonus. American Express started this new card in mid XX/XX/XXXX. 
I received in the mail the American Express statement for the period ending XX/XX/XXXX. I thought the bonus would be displayed on this statement as XXXX stated in our XX/XX/XXXX phone call. It was not on the statement so I phone called on XX/XX/XXXX at XXXX. A customer service person named XXXX said I met the requirements for the bonus and she was putting my inquiry onto my account. XXXX affirmed that I had earned the XXXX XXXX XXXX point bonus into my file. 

On XX/XX/XXXX I contacted by phone American Express customer service. The Cust Service person named XXXX advised me that the bonus should be posted XX/XX/XXXX. 

XX/XX/XXXX passed by and no posting of the bonus points. So I called again to American Express customer service and talked on XX/XX/XXXX at XXXX with XXXX . XXXX advised that the bonus points will posted 6 to 8 weeks after I have earned the bonus. I had earned the bonus on XX/XX/XXXX when my total purchases exceeded {$3000.00} on that date. XXXX confirmed that my account had the American Express " Welcome Back '' bonus offer linked to my account. 

On XX/XX/XXXX XXXX. I called AMEX Cust Service and got XXXX.. She confirmed my earning of bonus on XX/XX/XXXX but did not know why the bonus was not posted. She put me on hold and did some research. She advised me that I had received this bonus before with a prior AMEX credit card. I asked her to start a complaint and was given a reference # XXXX. Was advised that the resolution process will take 6-8 weeks. I advised XXXX to place into the complaint my phone call on XX/XX/XXXX with XXXX.
Product: Debt collection

MCM has sent me a letter threatening to sue me for a creditor that I have never had. XXXX XXXX. Through out the letter they state that they are forwarding the matter to an attorney if I dont pay. From everything I have read this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Transunion Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( 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 never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Ive identified incorrect information on my credit report in violation of 15 USC 16c-2. These unauthorized hard inquiries are affecting my credit and should be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I keep getting emails and letters by MOHELA stating that my IDR renewal date is approaching. My IDR renewal date is supposed to be on XX/XX/XXXX on the MOHELA website. 

However, according to studnentaid.gov, under covid -19 announcement, if my recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. Therefore, it should be pushed out to XX/XX/XXXX. 

Per Mohela website, it states that " If we do not receive your renewal in time, your payment may change and unpaid interest may capitalize. '' I have called many times and sent emails requesting my renewal date to be pushed back a year. 

There is no way of getting hold of representatives. I got put on hold over the phone for hours and hours. Mohela even got rid of phone option to speak to a live person. 

At the end, MOHELA simply does not reply back to the emails/calls. 

My IDR renewal date should be pushed to XX/XX/XXXX as stated on studentaid.gov, and it should be reflected as XX/XX/XXXX on MOHELA. 

The wrong renewal date of XX/XX/XXXX is approaching but Mohela has not made any corrections. 

I am afraid that my loan payment will wrongfully increased and i will be stuck with a large Lum sum of payments.