23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I retired from XXXX XXXX on XX/XX/XXXX. I requested my employer to execute a 401k rollover on XX/XX/XXXX. I opened an traditional IRA account with XXXX XXXX to receive the 401k full rollover amount of exactly {$190000.00}. 
XXXX XXXX provided me a confirmation letter stating that {$190000.00} was transferred to my XXXX XXXX Traditional IRA account. 
I have been contacting XXXX XXXX several times and they stated they never received any funs from XXXX XXXX. 
I have also contacted State Street Bank and Trust but they refused to provide any information about my 401k account. 
XXXX XXXX provided check number XXXX which they mailed to XXXX XXXX on XX/XX/XXXX and they claim the check status show as paid. 
The XXXX XXXX  address I provided to XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX changed 401k servicing from State Street Bank and Trust to XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and they do not have any information about my account. 
On XX/XX/XXXX XXXX XXXX notified me that they opened an investigation but I have not been able to get any resolution to my complaint. 
At this time I am unable to get any information from either XXXX XXXX, State Street Bank and Trust, XXXX nor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I need you to take action and investigate the inaccuracies on my credit report so that it accurately reflects my financial standing. As per FCRA section 611, it is imperative that you have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well, I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved.
Product: Student loan

My student loans are serviced by FedLoanServicing ( FLS ). I have at present {$74000.00} total across seven different student loans with varying interest rates. I'm currently on an IDR payment paying about {$450.00} a month. That {$450.00} has to be allocated to the 7 loans proportionally, according to FLS. They refused my request to allocate a larger percentage to the highest interest rate loans, saying that there is a " federal requirement '' that they apply the IDR monthly payment proportionally to the seven loans, allocating the payment to each loan based on the that loan 's balance as a percent of my total student loan balance. That effectively means that I am unable to pay principle on the higher interest rate loans. Instead the principle payment is actually being applied to the lowest interest rate loan. 

I called and spoke to several people at FLS to make this request. I was transferred to a supervisor, XXXX, employee number XXXX, who denied my request and cited a federal regulation that he said requires MyFedLoans to allocate my monthly IDR payment proportionally to the student loans, instead of applying more to the highest interest rate loans. There is no written requirement in the IDR loan language stating this, and the effect of it is to ensure that borrowers may more in interest over the life of their student loans. Please contact FLS and ensure that they grant my request to apply all principle payments made through my IDR loan payment to the highest interest rate loan.
Product: Mortgage

I apply in XXXX for a refi. with amerisave mortgage co. they slow walk this until XX/XX/XXXXto till me my apps. was exp. wish was done in XXXX. But the mouth  before i was told everthing looked good and we were going to close. My acct. # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
Product: Checking or savings account

My account was used on multiple dates for XXXX trancations & bank wont investigate
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw inaccurate accounts on my credit report. Ive been checking it regularly without issues, but today, for some reason, there were discrepancies that came out of nowhere. I even refreshed the page multiple times, thinking it was just a glitch, but the accounts stayed on there. Now, I need the documents Ive sent to be reviewed thoroughly so I can finally put this worry behind me.
Product: Debt collection

Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX   I discovered a Chapter  XXXX  Bankruptcy had been re-inserted into my credit file by Equifax. This item was previously deleted on or around   XXXX   XXXX  . The credit bureaus are required to notify me withi n five ( 5 )  days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an Equifax representative name  XXXX  today, she stated it was reinserted from a notification they received from  XXXX . This makes perfect sense because I recently file a complaint about  XXXX  on   XXXX  . She also stated that the item is in dispute based on the information that   XXXX   sent to them. This is very concerning to me, for one how can they report something based on  XXXX  & furthermore, put it in dispute based off that same notification? I never gave   XXXX    permission nor authorization to share or furnish my information with anyone especially another bureau. Both Equifax  &    XXXX    have violated the FCRA & upon checking their website to view my report, it states this information was furnished by   XXXX   XXXX   ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from Equifax dated   XXXX   XXXX   XXXX   in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that Equifax please delete this item immediately &  XXXX  refrain from sharing any of my information with other bureaus..
Product: Debt collection

Dear CAINE WEINER, I am writing to express my serious concerns regarding Account # XXXX your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 


In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Credit card

Navy Federal Credit Union admitted in a previous CFPB complaint response that on XXXX XX/XX/year>, an ACH restriction was placed on my account. The restriction wasn't removed until XXXX XX/XX/year>. This ACH restriction prevented me, a person with a severe XXXX ( XXXX XXXX XXXX ) that suffers from XXXX XXXX XXXX XXXX XXXX from making my payment before it became 30 days past due. My XXXX specific needs require that I be able to manage my financial accounts, including making payments, electronically so I can utilize assistive technology. 

Navy Federal Credit Union denied me this fundamental right afforded to me by the Americans with Disabilities Act, and Section 508 of the Rehabilitation Act. This is a systemic Class Action violation of disability rights. Navy Federal Credit Union illegally acted to harm me by denying my right to access and manage my financial account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several errors on XXXX credit report. I cant access the credit report online anymore.Tried three different times. No response to mail or email.
Product: Credit card

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Since 2018 Carrington Mortgage took over my mortgage from XXXX XXXX. I have been making my mortgage payments online thru Carringtons website instead of mailing checks. I have now found they have been adding on a XXXX dollar processing fee to every payment I made online thru their website. This is a deceptive business practice by them and also a violation of the fair debt collection practices act. They are only allowed to charge the actual cost to process the payment which is about XXXX cents not XXXX dollars. I have been getting charged this XXXX dollar fee for somewhere around 3 or 4 years now and believe they should refund the differnce between the fee charged and the actual cost to process the payment.
Product: Credit reporting or other personal consumer reports

I obtain my Credit Report and XXXX and XXXX are reporting a US BANKRUPTCY DISCHARGE XXXX ACCT # XXXX on my report. I immediately wrote them a letter asking for Verification of this information they say it has been verified this thru a Third party LEXISNEXIS. I wrote them a letter asking to verify where did you receive this information. Then I wrote the Courts and asked did they give my personal information to the Credit bureau they told me no. I call the Credit Bureau back to let the know the Courts told me they never give out personal information to Credit bureau and it been 10 years XXXX this should be remove immediately off my Credit report to no Avail. This is why I am asking for your help thru the FCRA to get this Public record remove off my Report
Product: Credit card or prepaid card

I opened my new bank of America checking account in XX/XX/2018, at the same time, l ask about credit card, because l don't have SSN, So they recommend me cash reward, but l need deposit XXXX dollars, and they charge XXXX dollars for annual fee. But l saw this card few days ago website said no annual fee. So l call to the service center asked my XXXX dollars back, they told me you need pay for this because you don't have credit like that but l only can pay XXXX dollars that money which l deposit belong to me. I said if l received my SSN get need card can l get that XXXX dollars annual fee back they said no, if like that they shouldn't recommend me cash reward credit card, because l already get my check account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies obtained and shared my information with CAPITAL ONE NATIONAL ASSOC on XX/XX/2022 without my express written permission.
Product: Credit reporting, credit repair services, 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 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 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 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 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 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 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s2 ( 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 calls to believe that the information is in accurate.
Product: Credit card

I saw a fraudulent charge from XXXX was made on my account on XX/XX/2024 for a XXXX event for {$620.00}. I called Chase ( my credit card company ) to state it was a fraudulent charge. I saw that the money was given back on XX/XX/2024. However today when doing my budget, I saw that the {$620.00} charge was placed BACK onto my account XX/XX/2024. I called Chase and they stated their fraud department said it was a true charge because they had my name, my phone number, and my address. I have just recently purchased a home ( XXXX XXXX XXXX XXXX NJ ) and have been receiving scam mail just based on the fact the purchase is public records. They are telling me with these XXXX items, they were able to confirm they purchase was " verified ''. They told me to call XXXX as well but I have not been able to reach any customer service on that end.