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

XXXX. Violation of 15 U.S.C. 6802 ( Disclosure of Nonpublic Personal Information ) : The financial institution has disclosed my nonpublic personal information without my consent. This is a clear violation of the privacy requirements set forth under the Gramm-Leach-Bliley Act.

2. Violation of 15 U.S.C. 1681 ( Fair Credit Reporting Act ) : 15 U.S.C. 1681 ( 4 ) : The credit reporting agency has failed to maintain the accuracy and integrity of the information in my credit report.

15 U.S.C. 1681b : There has been an unauthorized access to my credit report, which violates the permissible purposes outlined under this section.

15 U.S.C. 1681c-2 : I have placed a fraud alert on my credit file, but the agency has failed to take appropriate action as mandated.

3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : I have reason to believe that my personal information has been used fraudulently without my authorization, constituting aggravated identity theft. This has caused substantial harm to my financial and personal well-being.
Product: Student loan

I paid off our student loan back on XX/XX/2019 in the amount of XXXX. 
we were told the check was sent to the dept of education in Georgia. That is not correct, it was XXXX XXXX XXXX, XXXX, XXXX We have the cancelled check, as well as the XXXX receipt. They continue to bother me and my daughter with harassment calls and emails. The next step is to pursue litigation. We have never had a late payment on our record.They continue to add interest to the account and this reflects on the three credit bureaus. I don't have the time to monkey with these people.
Product: Mortgage

Received a letter from Caliber Home Loans of payments changes without given explicit explanation of the payment changes. If the change is because of escrow or taxes, they should provide the possibility to pay that adjustment. I believe to just notify changes without explanation is a really bad practice of the mortgage company, which can allow making any changes potentially illegal charges. As a matter of fact, I will pay interest for that amount because of this bad practice.
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. 

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 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: Debt collection

I Recently paid for an updated report of my consumer credit file and noticed that were collections placed against me that I have filed with FTC before and not resolved. 

I have called each creditor each and every representative could not assist with the matter because there were no valid information provided statements in the connection of the debt investigation. I want to know what reasonable procedures that were taken in the investigating and verifying the Information on this erroneous debt, I am asking again for all file disclosures and the full sale file and agreement of this debt was purchased a full audit trail and I am not talking about billing statements they were purchased I am requesting a full audit report on this account and that XXXX XXXX has over this unknown debt all correspondence with proof of delivery via tracking number. If none of this information can be produced, I am requesting that these accounts be completely deleted from all of consumer reports immediately please. 
This Is very frustrating knowing that I have been violated of my FCRA RIGHTS constantly without no remorse.
Product: Money transfer, virtual currency, or money service

I had an incoming wire from a friend of my partner ( boyfriend ) in the amount of XXXX dollars from XXXX bank to Bank of America on XX/XX/XXXX. BoA filed a fraud alert and thought it was suspicious. I called and called getting switched around to multiple departments and my friend called chase. the problem was in the swift messaging system and BoA requested verification from my friend. She verified the wire transfer. on the XXXX, the amount had been approved and was in my account and I sent a wire out for XXXX to a private investment account. on the XXXX, the deposit XXXX was frozen or put on hold because either XXXX or BofA thought it was suspicious causing my account to overdraw in the amount of XXXX dollars. I had to deposit borrowed funds to cover the overdraft in the amount of XXXX. I am very upset about this. My account with BoA and my friends account of XXXX are now investigating the transaction. 

There was no fraud and we both approved and verified the transaction. I would like to file a formal complaint to get the XXXX back in my account so I can pay my mother back for the XXXX dollars. 

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

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XXXX XXXX XXXX, XXXX ( Original Creditor : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to reach an Experian human via telephone. A {$24.00} membership fee appeared on my checking account on XX/XX/2020. I was able to reach a live person on this same date about a refund of the {$24.00} charge. I was given a reference number of XXXX. The gentleman assured me that the {$24.00} was going to be reversed immediately. To date, I still haven't received the refund. I did not authorize this membership fee. It is useless to call any of the Experian numbers. The number to call on my bank statement is ( XXXX ). When calling, it is always an automated attendant and there is no prompt to reach a live person. I just want my refund as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. Experian XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX  took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Debt collection

Capio partners is trying to collect {$260.00} from an ER visit on XX/XX/XXXX. I already paid the {$150.00} that I owed after insurance adjustment. I never got any indication I owed anything beyond that {$150.00} in the last 4 years until XX/XX/XXXX when capio partners started contacting me. They have told me the service breakdown over the phone twice and it was 2 different breakdowns. I asked for it in writing and also written proof this bill is accurate and they have not sent either. I've called XXXX  hospital where I was seen to get more information on the bill, but they have been bought out since the date of service and all the old accounts that are paid and unpaid are handled by capio partners now. I can get no where with the company to show me proof I owed more than I already paid. I believe this bill is a scam because i already paid {$150.00} and it is 4 years old. Why wouldnt i have heard i owed anything more in the last 4 years if it was valid?
Product: Credit reporting or other personal consumer reports

I have submitted disputes to all 3 bureaus and they have not completed a full investigation. I have reason to believe this due to the recent sham investigations of credit report errors. I have sent all 3 bureaus dispute info on XX/XX/year> and XX/XX/year> and they have not done anything but send stall letters.
Product: Credit card

American Express is blatantly denying the increase of my credit limit on one of the cards.

When I called Amex a few days ago, I was informed that I would be able to increase the credit limit on Blue Cash Everyday after 90 days beyond the account opening date and the customer representative told me the exact date when I could request a credit limit and that is XX/XX/XXXX. But, when I called Amex on XX/XX/XXXX to increase the limit, they said it is not available and I still have to wait longer. I feel betrayed and Amex hasnt kept its promise of allowing me to apply for an increase.

When I told Amex that earlier they said I could increase the credit limit but they deny the fact what they said earlier. 
The small credit limit restricts my purchasing power thereby tying my hands to make purchases.
Product: Credit card or prepaid card

I provide consulting services and get paid via credit card. 
Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. 
So I wasclearly instructed not to give any card or banking information. 
I was told to take the company banking info for payment with a written authorisation to process the payments. 
I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. 
I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. 
I don't know what else to do. Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation. I request an immediate reinvestigation of this item, as the inaccuracies are causing significant harm to my credit score. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request that you provide the names and business addresses of each individual who verified this account. This information is necessary for me to conduct further follow-up. 

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete. 

Thank you for your prompt attention to this matter.
Product: Student loan

I have filed an attorney general complaint about several issues and misuse of handling grant money with XXXX College was never taken care of. I never received any grant money and did not see credits posted on their journal of showing it offset charges towards receiving them and crediting the amount. While transferring to schools back in XXXX XXXX to University of XXXX, a balance of XXXX was remaining on my account with XXXX College. This amount could of been grants that were sent back, but did not get a clear understanding of the amount showing on the journal when asking what happened to my grant money? I never received a check for my grant money while attending XXXX in XXXX and XXXX. Also, University of XXXX provided me a letter of receiving a grant for XXXX and I did not receive this from them also. This letter is attached for XXXX. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing this complaint as a customer impacted by the issue for which Capital One is currently being sued by the CFPB. I have been a long-time holder of a Capital One savings account but was unaware of the introduction of the XXXX XXXX XXXX account in XXXX, which offers a higher interest rate. Despite contacting Capital One several times before XX/XX/XXXX regarding other account matters, I was never informed about this new account option by any representative. 

In XX/XX/XXXX, while calling about a separate issue, a Capital One employee mentioned the XXXX XXXX XXXX account to me. He expressed that he couldnt just sit back and not tell me after noticing how little interest I had been earning. This revelation was deeply frustrating, as I had unknowingly lost out on significant interest income due to not being transitioned or informed about this higher-yield account earlier. 

Capital One 's lack of transparency and failure to inform me proactively about the XXXX XXXX XXXX account has caused me financial loss. I believe this constitutes a breach of trust and unfair treatment, and I request that the CFPB investigate this matter thoroughly and ensure appropriate remediation for impacted customers.
Product: Consumer Loan

XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.
Product: Checking or savings account

Bank of America and XXXX discreminating against law abidding gun owners and fire arm companies. These are public companies that should not be getting into social issues. What happens when they do not want to business with someone of color or the wrong political party? Where does this end? I would hate to see us move backward in banks treating everyone equally.
Product: Student loan

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.
Product: Debt collection

I started getting money taken out of my paycheck and I found out from my XXXX that it was my wages getting garnished.
Product: Mortgage

I had previously submitted a complaint loan # XXXX, only to discover today that my interest rate is going up to 5.75 % and then to 6.75 %. This is under the loan modification program where my current rate is 3.75 % and a balloon payment of {$34000.00} for a home currently underwater. I find this behavior unethical, immoral and greedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes, and no investigation has been performed. only offer from reporting company is to contract privately through their sites and different channels of dispute. I will keep re-opening my dispute until I am satisfied with investigation. I also have other agencies review for liability. My question can Experian show me the L.A.W./Statue that invalidates my electronic statements as proof of my address?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681