23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I started to use my credit card for some business expenses in late XX/XX/year>. My credit limit was {$55000.00} at the time. I was shocked to see that my balance on the card was {$97.00}, XXXX for my XX/XX/XXXX statement. I called Bank of America on XX/XX/XXXX or XXXX ( I can't remember the exact date ) and asked how my card got a bill of XXXX XXXX  when my credit line was {$55000.00}. The person at BofA did not know. Eventually, they got a manager on the phone who told me that they have never seen anything like this before. I was told that the only way for me to stop the new charges from occurring was to report the card as stolen and hope that the recurring charges would end. 

Bank of America allowed the recurring charges to take place above my credit limit. I thought that a credit limit was a limit- meaning the businesses could not charge above the credit limit. 

I was deceived by Bank of America. What does credit limit mean??
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have contacted the company multiple times explaining that this account is not mine and should be removed from my report. Please remove this fraudulent account from my credit report. Thank you.
Product: Debt collection

Glenbrook/ AUTO CREDIT USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Privacy Notice and Consumer Financial Information I am writing to formally dispute certain practices regarding my consumer financial information, as it pertains to the privacy regulations outlined in 15 U.S. Code 6802. 

According to this statute, financial institutions are required to establish and maintain the privacy of individuals ' nonpublic personal information and to provide consumers with a clear privacy notice. I believe that my rights under this law have been violated in the following ways : 1. **Inadequate Privacy Notice** : I did not receive a clear and conspicuous privacy notice as mandated, which should have informed me of the types of information collected and how it would be shared. 

2. **Unlawful Disclosure of Information** : It appears that my nonpublic personal information has been shared without my consent. I request detailed information on what data has been disclosed, to whom, and the purpose of such disclosures. 

3. **Failure to Provide Opt-Out Options** : The law provides individuals with the right to opt out of certain disclosures of their nonpublic personal information. I have not been provided with an adequate opportunity to exercise this right. 

I request a thorough investigation into this matter and a response that includes : - A copy of the privacy notice that should have been provided to me. 
- Details regarding any disclosures of my personal information made without my consent. 
- Information on how I can opt out of any further disclosures. 

Please respond to this letter within 30 days to resolve this issue amicably. If I do not receive a satisfactory response, I may consider taking further action to protect my rights. 

Thank you for your attention to this matter. 

Sincerely,
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/dept of ed has violated my rights. 

USC 1681 SECTION602 A states I have the right to privacy.

usc 1682 section 604a section 2 states a consumer reporting agency canot furnish an account without written instructions.

usc1681c a5 section states No consumer reporting agency may make any report containing any of the following info and other adverse item of information, other than records of convictions and crime which antedates the report by 7 years u.s.c 1681s-2a1 states A PERSON SHALL NOT FUNISH ANY INFORMATION RELAETING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

With accordance to the law to USC 1681 and USC 1681S2 I have the right to privacy and I did not give permission to this company to report this on my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Second Round Dispute and Debt Validation Request for Medical Collection Dear CFPB, I am writing to follow up on my initial dispute regarding the accuracy and validity of a medical collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. 

Account Information : * Collection Agency : XXXX XXXX XXXX XXXX * Account Number : [ Account Number ] * Amount : {$2900.00} Laws Being Violated : 1. HIPAA Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). The specific violations include : * Unauthorized use of my unique health identifier.

* Obtaining my individually identifiable health information without my consent. 
* Disclosing my health information to unauthorized parties. 

These actions are punishable under HIPAA, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report. 
* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XX/XX/XXXX {$6600.00} XXXX  XX/XX/XXXX {$9200.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX  XX/XX/XXXX {$8800.00} XXXX XXXX XX/XX/XXXX {$290.00} inquiries XXXX XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My monthly payment for XX/XX/XXXX was due on XX/XX/XXXX. On XX/XX/XXXX I sent in a request asking for my payment to be deferred to the end of my loan. I received an email response on XX/XX/XXXX explaining the terms of doing such an action and that if I wanted to proceed I needed to reply back as it was time sensitive. I did as directed. On XX/XX/XXXX my account was debited for the amount that was agreed to be moved to the end of my loan. I sent multiple emails asking why the agreed upon direction was not followed. On XX/XX/XXXX I received a response back saying the request was being sent to the appropriate department for review. Email responses ceased until XX/XX/XXXX when I received the same " sent to the appropriate team for review '' response. It has now been two weeks, no resolution, and customer service has again stopped responding. I have over 20 emails regarding this situation as well as multiple daily phone calls that go unanswered. I want my money refunded per the agreement we had in writing.
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

A company called GC services has contacted both my son and my father saying that they're filing a claim against me in XXXX XXXX XXXX. They started calling me 4 times a day on Monday, XX/XX/XXXX. I have received nothing in the mail, there is nothing on my credit report. I have no idea who this company is, much less why they would be filing suit, or why they would be harassing me and contacting my family.
Product: Credit card or prepaid card

I contacted Wells Fargo on XX/XX/XXXX to notify them of many fraudulent charges that were on my credit card statement and to dispute these charges. I was never notified in any way by Wells Fargo about suspicious charges on this credit card and a representative from Wells Fargo confirmed this over the phone. All of the disputed charges were at XXXX and on my statement it shows it from an Arkansas based XXXX and the oldest charge was on XX/XX/XXXX and the most recent charge was on XX/XX/XXXX. There were a total of 101 charges that were fraudulent all from the same XXXX vendor . The fraudulent charges totaled {$8600.00} and the majority of the interest charged during that time is also attributable to these charges and it totals {$630.00}, and the single largest fraudulent charge was for {$260.00}. Wells Fargo responded by a letter in the mail and stated that all of these charges were determined by them to be legitimate and that none of them were fraud since they followed what they said is my normal spending patterns. I never shop at XXXX XXXX ever. Not a single charge at XXXX follows my spending patterns. I called them after this to dispute their conclusion and reviewed with them some of the odd spending patterns that were created. One oddity was nine transactions at XXXX in a single day and often times there would be 4 or more transactions in a single day. Another oddity is being charged exactly {$70.00} six different times in 2 days and also being charged exactly {$81.00} nine times over five days. I argued that this is not a normal spending pattern for any real person. They said they would investigate and send their response by mail which they did and determined again that none of these mentioned charges were fraud and that I am responsible to pay for all of them. {$3300.00} of these fraudulent charges happened within the last two statements when I notified them of the fraud and disputed the charges. And again, they never once contacted me by phone, text, email, mail, or internal message on their website about any suspicious activity related to a single one of these charges. Now they're sticking me with the bill for all of it and unfortunately I've already made cash payments for half of these charges.
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 am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX & XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX XXXX XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00},
Product: Student loan

My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.
Product: Debt collection

This company has attempted to collect a debt which is not mine, it is not my name but my social security number. There has been some mistake or my identity has been stolen. I have attempted to correct this matter several times with no success.
Product: Checking or savings account

Dispute department at money lion I filed XX/XX/2021 XXXX $ unauthorized charge I provided invoice showing paid in cash. The Merchant has never replied. by law merchant has 20days to respond money lion and XXXX has 45 day policy it has been over 100 days without a response you would think my bank would have customer care s priority I assure you they do not I've never experienced the withhold time frame an almost skimming like actions taking your funds an the inability to correct their systems error
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a contract with Credit Acceptance Corp Account # XXXX to finance the purchase a XXXX XXXX XXXX   XXXX  useing auto pay from my bank. From XX/XX/XXXX to XX/XX/XXXX all payments were on auto pay until I stopped payment because I became unemployed in XX/XX/XXXX and direct deposit stopped. 

Being unemployed I still managed to make all payments up to this month working for myself to survive. Paid {$380.00} on XXXX and Paid {$200.00} on XXXX. On XX/XX/XXXX I called and ask Credit Acceptance could they lower my interest rate and refinance the vehicle to a lower rate because I was unemployed and working for myself. They replied No. I also ask can lower my interest rate, that answer was also no.

When I bought the car my credit was bad because of some past problems. If you look at my credit score when I bought the car and look at it now its a big difference. Im getting calls from the lender almost every day, asking when can we expect the next payment. With this Corona Virus affecting thousand of people Im doing the best I can getting the money to pay my bills. Even my cell carrier XXXX is giving more talk, text and more during this virus situation. 

If you can help me, I need them to stop the horasing calls and try to get them to refinance the car or lower the interest rate I would be more than happy. I dont want to ruin my credit, I will pay them but its hard to get work now and they wont accept a hundred dollars from me to apply on the account. If you need to contact me my info is below. Thanking you in advance for your support ... 

XXXX XXXX XXXX E-mail : XXXX Cell : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C XXXX. Despite filing a dispute with your agency, it appears that the required re-investigation and resolution process was not followed in accordance with the law. Under the FCRA, you are required to : 1. Conduct a reasonable re-investigation of disputed items and notify the consumer of the results within five business days after completing the re-investigation ( XXXX U.S.C XXXX ( a ) ( 6 ) ( A ) ). 
2. Forward disputes to furnishers in a timely manner ( XXXX U.S.C XXXX ( a ) ( 2 ) ( A ) ). 
3. Ensure the accuracy of the information in the report by implementing reasonable procedures ( XXXX U.S.C XXXX ( b ) ). Unfortunately, my experience indicates that these legal obligations are not fully adhered to. Specifically, the following inaccuracies remain unresolved and require immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined by the FCRA, failure to resolve disputes within the FCRA required time-frame entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or corrected, they must be removed immediately to ensure compliance with the FCRA. Should these issues not be resolved promptly, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and other relevant agencies. I trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please provide a written confirmation of the resolution. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

My XXXX XXXX Loan ending in XXXX, was originally Serviced by XXXX XXXX. Then, SETERUS, Inc. took over in about XXXX, then Nationstar Mortgage d/b/a Mr. Cooper took over in XXXX. During the transfer of Loan Documents Nationstar Mortgage failed to properly inform me of changes in documents that are required under Regulation X, including Disaster Assistance and forbearance programs available to struggling borrowers. I seek assistance from CFPB in correcting this Servicer fail.
Product: Credit reporting or other personal consumer reports

Urgent Request for Assistance with Equifax - Human Trafficking Victim Dear Sir/Madam, I am writing to seek your urgent assistance regarding a distressing issue I have been facing with Equifax. As a victim of human trafficking, I have made numerous attempts to have fraudulent accounts, opened against my will, removed from my credit report. Unfortunately, Equifax has not addressed these issues despite my efforts, and this is significantly hindering my ability to rebuild my life and support my child as a single mother. 

The following accounts, which were fraudulently opened in my name while I was under duress, remain on my credit report : XXXX XXXX Account Number : XXXX XXXX Amount : {$5100.00} XXXX  XXXX XXXX Account XXXX : XXXX Amount : {$2200.00} XXXX Account Number : XXXX XXXX Amount : {$2700.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Amount : {$10000.00} XXXX XXXX  XXXX XXXX XXXX 
Account Number : XXXX XXXX Amount : {$5600.00} XXXX XXXX Account XXXX : XXXX XXXX Amount : {$60000.00} XXXX XXXX Account Number : XXXX XXXX Amount : {$17000.00} XXXX XXXX XXXX Account Number : XXXX Despite providing Equifax with detailed documentation and information about my victim status, the accounts have not been removed. It appears that Equifax 's process is inadequately addressing the unique needs of trafficking survivors and is, in fact, creating additional barriers for us as we try to move forward. 

Given the situation, I kindly request that the CFPB intervene to ensure that Equifax fulfills its obligations to victims of human trafficking by removing these fraudulent accounts from my credit report and revising their process to better accommodate individuals in my position. 

Thank you for your attention to this urgent matter. I appreciate your support in helping me and others in similar circumstances rebuild our lives and secure a better future.
Product: Credit reporting or other personal consumer reports

This is inaccurate information on my credit report. This is being reported to my Tranunion and no other credit agency. Per 15 U.S.C. 1681 Accuracy and fairness of credit reporting. As well as 15 U.S.C. 1681a 603 states exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give consent to American first finance to report this information on my credit report. So I need this to be removed as it is not accurate according to my other 2 credit agencies nor did I give this company permission to report on my credit report. This has negatively impacted my life as it is a derogatory mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$15000.00}