23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Our auto loan payments with US Bank were behind ( generally not XXXX 30 days ) for several months causing some late fees, which we are not disputing. However, come XX/XX/XXXX we were able to make full payments of outstanding balances, fees, etc. We received a statement from the bank dated XX/XX/2016, with a {$0.00} balance due for the following month -- all late fees, previous balances, upcoming payments, etc were satisfied. 

In XX/XX/XXXX, we received a new statement. Despite our P/I payments totaling only approximately {$440.00}, it appeared the bank was trying to double-collect on past fees, requesting an additional ( approximately ) {$120.00} in addition to our loan payment. 

Viewing our statement history over the last 12 months, all fees were already included in payments due on previous statements, and were satisfied in full. Upon contacting US Bank, they claimed there was a posting error, and that they would fix the issue. In the mean time, we continued to receive collection calls and additional late fees for not paying the error. Following XXXX calls, all of which resulted in a promise to investigate and call back, no calls were returned. In addition, collections continues to call, noting that they are unable to see details from the loan servicing department. 

It has now been over a month, and the bank continues to not answer questions about the fees, and insists they should be paid despite not being able to explain their math, beyond what they say was a " posting error ''. We are seeking assistance in the resolution of this matter. The principal and interest payments are still being made, but the extra fees ( and late fees on said erroneous fees for not paying ) we are stating are incorrect. We have not received any clear explanation as to why this exist, and do not see these as valid. 

We will attach statements showing payment of the balances.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I paid off an XXXX XXXX XXXX debt with XXXX XXXX XXXX in 2022 and I have a letter stating such. 
The account was settled in full for less than the original amount. 
The bad debt has been sold twice to other collection companies. This is unfair. 
Radius Global Solution is trying to collect something that was already settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 15 USC 1681. 

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

XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/EQUIFAX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian blocked me from getting my credit report on their website. They refuse to let me login to their website. This is documented in CFPB Report XXXX. Their response to that is that they need to wait 60 days to investigate. Today, XX/XX/XXXX, I get an email saying Experian has decreased my credit and once again will not let me get a credit report that they are obligated to do by law. How am I suppose to know what my own credit score is? Are they retaliating by decreasing my credit score? Two years ago they decreased my credit score XXXX points over three quarters in retaliation to CFP reports : XXXX, XXXX, XXXX, XXXX. I need my credit report within 5 days not 60.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a deposit of {$3600.00} which M & T bank withdrwan from my other checking account fr XXXX. Same day M & T put a block on my account- when i tried to call customer service noone seems to give me an answer as to why? It is now the XXXX and noone gave me the answer. Account still block- meanwhile i had issued a check to pay my mortgage due on the XXXX - aftaid I will be late with my mortgage payment. Tried calling M & T and gave them a proof of the deposit taken out from my other account but jas not resolved yet. They did not remove the block for a week now- they said questionable fraudulent activity? But theu took out the amount already. Please help me and i am filing for a complain against M & T
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX Equifax and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties 3. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX  Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX  bankruptcy dismissed
Product: Credit card or prepaid card

XXXX XXXX I log into my bank of america account online and saw some transactions that i did not make. I suspended my card so no transactions can be made. Call bank of america right after and while i was on the phone waiting i log back into my online account to look at the transactions again. But this time i wasnt able to. After waiting over an hour i finally got through to a customer service lady and was told i cant file any dispute until my account is not frozen. Was told XXXX did this because identification problem. So i ended up waiting over the weekend. By monday XXXX XXXX i check and was able to log back in. So i call the bank and after waiting over 2 hours i was transfer to fraud department and the lady file the disputes for me. Told me that i will get a letter in the mail within 5 days and for me to sign it and return it asap. So much was going through my mind. But i trusted the bank and did what she told me to do. I call in everyday to check the status of my claims everyday i waited over an hour and was told to just wait. So today 4 days later i call bank of america and after waiting 2 hours a lady in the claims dept answer. Her name was XXXX. She told me that last night XXXX XXXX at XXXX XXXX  close my account due to unemployment fraud so because of that my claims that i made monday got dismissed never work on or look at. I cant file another claim. We both went at it for over an hour by this time i was crying yelling trying to understand whats going on. Because my account was reopen on monday thats why i was able to make the claims and today XXXX tells me that my claims were dismissed due to XXXX  frozen my account. First of all my money in ny account where is it. Am i suppossed to just let it go? No someone stole XXXX out from my account and youre telling me theres nothing i can do? She kept on telling me that because their system pick that up from my account my claims were automatic drop. Wow i couldnt believe it. I just want my money. Thats all. I dont even know what to do at this point. XXXX told me that a police report wouldnt even help. So my money is gone. Its not right at all. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to advise them I need a letter of deletion to submit to XXXX due to this being a fraudulent inquiry. They were not helpful in providing that information. I have several other inquires from other lenders as well documented below. I file police report on XX/XX/XXXX to support claims. 

All fraud began XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Experian a request to remove XXXX XXXX. This is not my name. Has never been my name. They refused to remove it from my file.
Product: Debt collection

I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from CBE group even though it was said it was taken care of.
Product: Student loan

Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage XXXX criminal file states I was XXXX  for XXXX   XXXX  XXXX  XXXX  on XX/XX/2016 in XXXX, PA XXXX. I have never been nor lived in XXXX. I would like this removed as it is clearly not me. I have never been arrested for any kind of assault on anyone.
Product: Debt collection

The bankruptcy reported on my credit file, Bankruptcy XXXX XXXX XXXX XXXX, is inaccurate and does not comply with the law. There was never a judgment, trial, or case associated with this matter.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and more dates they have repeatedly called me at different times through the day. I am very frustrated with the sheer volume of the calls I receive. And when I block a number, they call me on a new number.
Product: Checking or savings account

Navy Federal Credit Union has lost the money in my IRA invested with them. They have deployed an improved website that does not list my IRA as an account nor does it include the almost {$33000.00} I have invested in that account in their calculated Total Assets held by Navy Federal. I reported this problem to them more than XXXX weeks ago apparently the first NFCU customer to notice a very obvious defect in their new website. The tech-rep I spoke with looked at his accounts and was astonished to see that his IRA was also missing. At that time NFCU was still making their legacy website available so I was able to see my IRA and associated statements and confirm it was still there. They have now XXXX customer access to the legacy website and I have no way of confirming my IRA still exists. At this point it is entirely possible that NFCU has absconded with the IRA funds of all of their clients since there is no way for us to monitor those accounts. 
Please direct NFCU to enable access to the legacy website until they have properly coded, tested, confirmed and vetted that their new and improved website does what its supposed to do. Heads need to roll at NFCU there is no excuse for this level of professional incompetence!
Product: Mortgage

I took my initial home loan with the SECU in NC in XXXX for a foreclosed home. In XXXX, I refinanced the loan to keep the rate low, and again bought down the interest rate in XXXX to keep the rate low. This ability to buy down the rate was used as a selling point by the SECU to convince me to obtain this loan through their institution. I was never notified of any changes to the practices of the institution in writing regarding the ability to do this. I inquired about buying down the rate again in XXXX of XXXX as the rate will increase, to which I was told the SECU no longer performs or services these loans as they no longer offer a XXXX year ARM. I asked about options for the loan and was told I would have to go through the entire mortgage process again to make any changes or attempt to modify the rate on my loan. I feel this is a direct attempt to manipulate my loan to obtain a higher interest rate and lead to increased revenue by the company. I was misled and was not notified of the change in advance in any writing by the company.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. 
Additionally, this information meets the definition of non-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I was unaware that there's a discrepancy on my credit report this account does not belong to me as I have previously stated and requested validity of the debt and they have failed to provide me with anything. They have also failed to provide me proof of collection efforts by mail and are violating my FCRA rights and violating FDCP laws as well by continue to report this account without proper verification that it belongs to me.
Product: Credit card or prepaid card

Denied a credit card when trying to obtain credit. They ran my social security number yet I received no benefit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted my XXXX orders to XXXX back in XX/XX/XXXX, because I was going to be overseas where I would not have access to XXXX service. I sent in an email ( XX/XX/XXXX ) to  XXXX. They successfully put my account on hold. Then on XX/XX/XXXX ( mind you I am overseas still ), I receive an email that my phone had been activated and needed to be paid. My orders clearly state that I will be on XXXX for 359 days. So, me being shocked that my phone had been activated against military orders and my permission, I contact XXXX via email. The woman asks me to send the orders again and that she would suspend the account for the 359 days. So on XX/XX/XXXX I  resend orders. Then fast forward to when I am stateside and home from XXXX, I contact XXXX to activate my phone. I am told that they can not activate my phone because of no payment and that my account is in collections. They could not reactivate or pull it out of collections because " it was out of their hands ''. So I had to open a new account with them AFTER paying the old one off ( that is somehow still in collections as if it hasn't been paid off ) and in result I have a collection for a phone that was to be on a military hold for 359 days, because XXXX failed to do their job. I then submitted a dispute against this collection and I received a result back saying " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So I am now submitting a complaint against this, because I have more than enough proof showing that my phone was requested multiple times to be on hold while I was on military orders and yet this account is in collections because of XXXX 's wrong doing.
Product: Checking or savings account

They cancelled my account I had XXXX dollars in my account XXXX