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

I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( Gramm-Leach-Bliley Act ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX XXXX XXXX did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Product: Debt collection

My payments are being made as they wised. I only owe a little over  XXXX  $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. I dont live at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX CT XXXX, MN XXXX XXXX CT XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX. Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Navy Federal Federal credit duplicated my credit card number and opened an account for another member. This linked the credit card to my personal information as well as my bank account. I was getting charged for this other Person s transactions. When I reached out to Navy Federal, they acknowledged the issue and said it would be rectified. It has been a year now and my credit has been destroyed. I have been paying on somebody elses delinquent account and now Navy Federal refuses to have any communication with me and has turned me into collections for someone elses issue including theirs. They no longer want to take responsibility for the issue and have stopped paying me back the money they have stolen from my personal account.
Product: Checking or savings account

In XX/XX/2022 Bank of America processed a check against my brother 's checking account that actually wasn't his. It was someone else 's account. I am the rep payee on this account because he is not mentally capable of handling his money. I called B of A. It took a few weeks to get this taken care of. I finally received the money back in his account and a letter confirming this. Then today when checking his account I find they processed the same check again. Only this time they actually put a copy of the other person 's cancelled check on my brother 's account. I called B of A again and they said they will credit my brother 's account. My bigger concern is that this can even happen. Names and addresses and account numbers are different and someone should have seen this. Also, I now have all this personal information on a complete stranger. That simply is not okay. I don't know what kind of control you have over this type of incident but there should be some sort of protections not only for my brother but moreover for the man whose information is now my hands.
Product: Credit card or prepaid card

Hi, I have been called American Express reward card service to add 2 additional card holders in mid XX/XX/2018. I have been informed that upon adding them via phone I will be getting the card for them and XXXX points for each card holders. I have been provided personal information of my parents including passport numbers. After several weeks the cards did not arrived and I called back. I have been told that there was no audit trail of my request and this was confirmed also after an additional investigation. None apologise or try to solve the issue. It is so scaring that I have provided Amex with personal information and none recorded the call or the request. I am really scared. this is not the way my data or the data of my parents should be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the EXPERIAN AND XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN AND XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
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. Specifically, Cash App failed to take timely and effective 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 and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a chase credit card Account that has been closed for years. I still am making payments but because of the fees and interest this account is still not paid off, they call repeatedly when my payment is late and are unwilling to work with me on payment arrangements. In the past 5 years I have had XXXX, had a XXXX XXXX XXXX, issues with medical problems sustained during my service in the XXXX, XXXX of a XXXX XXXX, and now XXXX which have affected my ability to work and have resulted in me having to take leave without pay. I just want to settle this account so I do n't have to deal with this companies harassment. I must have paid thousands of dollars in fees and interest and it is causing great strain on me and affecting my credit report negatively.
Product: Debt collection

On XX/XX/XXXX I had a sever XX/XX/XXXX I could not get into see my family doctor. I called my insurance at the time. They recommended a urgent care facility instead of an emergency room. The cost would be less. I went to the urgent care which was in my provider list. When I arrived they checked me in took my XXXX co pay for urgent care. I saw a PAC who sent a prescription to my pharmacy. There were no tests or further interaction. I went home, about 3 months later I received a bill from XXXX XXXX XXXX in XXXX Oh, the amount was XXXX. I called my insurance and they told me that the billing was incorrect and that XXXX billed it as a XXXX, that copay would have been XXXX. I called XXXX and told them they needed to resend the bill as they had collected my copay from me as a urgent care. They said they would send it back thru. I only had the insurance until XXXX of that year I then turned XXXX and my insurance went thru XXXX. I did not hear anything from anyone on the bill until XXXX on XXXX. A collection agency sent me a demand letter for the XXXX. I called them explained the issue. They deemed it uncollectible. Again a period of time went by about 18 months. Then I received another demand letter from Credit Solutions of Kentucky, I again called explained the situation, they told me that XXXX said I owed it and if they said I owed then I did. I said I was not paying it. I started getting phone calls daily, I finally told them I was not excepting anymore of their calls and the woman told me the calls would not stop. And they did not they call sometimes several times a day some weeks every day. I am not going to pay this I do not owe it. I have kept my call log since XX/XX/XXXX when she told me that the calls would not stop. I answered one more time and told them that they can take this issue to court I would be happy to take the issue before a judge. I want the harassments to stop.
Product: Credit card

I am a victim of identity theft. I discovered that a credit card was issued and the thieves were Immediately able to charge XXXX in charges within a day or two of opening the card. I contacted the lender and informed them of the fraud. They assured me that they would take care of this matter. The account is now showing up on my credit report. I contacted the again and they refused to remove it from my credit report or add a notation that this was a fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I receive a credit report ( XXXX ) from Experian, after I had requested that Experian, send me proof of my liability of disputed accounts. My request was under section 609 of Fair Credit Reporting Act. The company receive my request on XXXX XXXX, 2017. The company state that the accounts is verified but never send me any proof to support the claims. The law require credit reporting agencies to have a copy of the original contract on file. I have made several request to Experian in good faith that the company will honor my request. All I receive is a frivolous letter stating that their investigation verified that the accounts. Experian do not have this information on file an they is in violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # ending 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: Checking or savings account

I didnt authorized those transaction XX/XX/XXXX - XXXX XXXX XXXX - {$350.00} XX/XX/XXXX - XXXX - {$1000.00} XX/XX/XXXX - XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX - XXXX  - {$410.00} I have filed claim with the bank but they denied it. I swear whatever I said is true.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report.

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXX Bank account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX  account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX account XXXX XXXX ( Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  XXXX   XXXX   XXXX   XXXX , I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to  XXXX  again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.  XXXX  has completely ignored the mistake, even after sending them proof from the original creditor.
Product: Mortgage

AmeriNat stateded that l owe XXXX on my loan from last year. This is not true because l paid everything. They upped my payment to {$620.00} and said that was the new payment. This amount went from {$560.00} to now {$620.00}. I have receipts for everything last year. Why is my payment going up if my insurance was covered. Please write me a document in writing explaining how do l owe this. I want them to stop saying that l owe, without explaining how in writing. I have emails asking for this information and was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently filed a complaint. My complaint # is  XXXX . The response from the company is false. The information in the response is false. I will attach copies of paperwork I have sent to them. The dates are wrong, the money order info is wrong. Please contact me by phone or by mail or email and I can give you the correct  USPS Money order info as this company has told me in many conversations that they never   received the money order, could not find my bank account, yet my account has been debited money and fixed. I do n't know who 's money order number is that they furnished to you but it is not mine. I want this fixed and fixed right. Someone from that company cashed the money order but did not fix my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX is incorrect on all XXXX credit bureaus. Upon reviewing the report today XXXX I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.
Product: Student loan

I asked Navient to help lower of modify my private student loan payments. I understand there was a class action settlement announced by the PA State Attorney General in XXXX I did not receive any notification from Navient of any relief. See statement from PA Atty General here. 
Under the terms of the settlement, Navient will cancel the remaining balance on nearly {$1.00} XXXX in subprime private student loan balances owed by nearly XXXX borrowers nationwide. In addition, a total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Borrowers who will receive restitution or debt cancellation span all generations : Navients harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to mid-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint in response to a notification on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report are incorrect. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a settled account inaccurately reported as a charge-off by XXXX XXXX XXXX. This account was settled for less than the full balance, yet both bureaus continue to report it derogatorily, negatively impacting my credit profile. 

Experian reflects the account as " {$0.00} paid '' and " legally paid in full for less than full balance. '' However, this designation still adversely affects my creditworthiness, prompting my request for deletion from all three bureaus. 

These inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i concerning my right to dispute inaccuracies. Additionally, the reporting of charge-offs for multiple months may violate regulations on timely reporting. 

I request the CFPB intervene to ensure XXXXXXXX XXXX XXXX  delete this account entirely and to work with Experian to remove it as well. Its presence misrepresents my creditworthiness and has caused me undue stress. I urge the CFPB to take action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am writing to formally articulate my concerns about Zelle 's management of disputes, particularly in light of the recent lawsuit from the Consumer Financial Protection Bureau ( CFPB ). This legal action has illuminated significant issues within the platform : raising questions about its efficacy and the measures for consumer protection. Zelles swift rise as a favored payment method has not been matched by sufficient safeguards to shield users from fraud and unauthorized transactions. The CFPB lawsuit underscores systemic failures in Zelle 's dispute resolution process, which often leaves consumers vulnerable. Users frequently encounter difficulties in securing refunds or resolving disputes efficiently ; this suggests a lack of accountability from the financial institutions that partner with Zelle. Such deficiencies undermine consumer trust and raise ethical concerns regarding the platform 's operational practices. However, addressing these issues is crucial for restoring confidence in digital payment systems. Furthermore, the lack of effective mechanisms ( for addressing fraudulent transactions ) exacerbates these issues. As digital payment platforms become more and more ubiquitous, it is crucial that they prioritize user security ; this includes implementing clear processes for dispute resolution. The CFPBs findings should act as a catalyst for reform within Zelle, although some may argue that change is slow. Consumer protections must be enhanced, because restoring confidence among its users is essential. I would like for the CFPB to publish this statement as well.
Product: Vehicle loan or lease

i called santander financial auto to negotiate my loan and was told that the company can't do anything for me. i bought a used suv at a very high price in 2022 and due to economic hardship i am struggling to pay for car suv.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report not later than XXXX business days after such information that i have provided. Accounts : [ XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX. ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) ]