23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX 2 ) NAVIENT 3 ) XXXX XXXX   This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the  consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney  General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Checking or savings account

I want to file a complaint against M & T bank for harm I suffered because of lack of transparency by my bank. On Tuesday the XXXX I have received a letter from my bank denying my two dispute claim one for {$140.00} and XXXX for {$410.00} and the credit that was provided to me will be reversed the {$140.00} it was supposed to be reversed on the XXXX but post on the morning of the XXXX which it did and I was left with a balance of {$170.00} as of XXXX as it show in the screenshot and the {$410.00} supposed to reverse on the XXXX. Well sometime during the XXXX M & T Bank reversed the {$410.00} and the only way I found out is because the one time that day in which I try to use my debit card and it declined which was a embarrassment. My discrepancy of the situation is that I was not alerted by one of the methods in which I set up in which if there's any activity on my account I will be instantly notified. At the time in which the bank whenever it was during the day has reversed the credit I should have got an alert so I know not to use that debit card because of a negative balance which by law is my right
Product: Credit reporting or other personal consumer reports

BB & T ( better known as Truist ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : I Received Transunion Investigation Results File number XXXX on XX/XX/XXXX and find that this dispute result haven't fix nor resolved anything, Again Transunion has reported XXXX XXXX XXXX account number XXXX on my Credit Report that is completely incorrect. The Account that they are reporting is Identified as an ( Installment Account ), Which is incorrect, The true account type is a ( Credit Sale Agreement ) In accordance with Fair Credit Reporting everything has to be 100 % Accurate and discrepancies like this is unacceptable, The Credit Sale Agreement was Through XXXX XXXX XXXX, Vin number ending in XXXX and XXXX Brought the account. Also the date on the account reported opened on TransUnion is XX/XX/XXXX That is also incorrect, The correct date is XX/XX/XXXX as well the amount owed TransUnion reporting is incorrect, these are violation in accordance to the Fair Credit Reporting Act. and Demand Removal from credit report immediately, Proof of these documentations has been uploaded to CFPB. 
I expect fair investigation which is my right according to Fair Credit Reporting Act .... 
Note : Please look at the proof I provided through the CFPB Portal. ( True Balance ) ( True Start Date ) ( True Account Type )
Product: Mortgage

In XX/XX/XXXX this year, I obtained a mortgage from Chase. Since it is a condo building, I was able to get a tax abatement. I was told that the escrow account will be calculated without tax abatement until the actual property taxes are paid so the bank would know how to adjust according. In XX/XX/XXXX ( after XXXX quarters of tax payments in ), I went to the branch to ask for an escrow adjustment, because the amount in my escrow account is really high and not based on real situation. The bank did an escrow analysis, but rather than lower my monthly payment, it went up by a lot while issued me a small surplus check which did not make sense. After several calls in the past 3 months with their escrow department, tax department and mortgage banking department, they still did not resolve this issue. I was passing from one department to another. Apparently nobody cares. As a result, I am overpaying thousands of dollars in my escrow when I should n't have to. I was not contacted and no new analysis was received after XXXX weeks of waiting. No apologies, no nothing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I reached out to TransUnion customer service would not assist and take care of the negative inquiries reporting to my credit report
Product: Vehicle loan or lease

I have called XXXX XXXX  a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX  field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX  and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.
Product: Credit card or prepaid card

While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/2023 made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted on XXXX.
Product: Credit reporting or other personal consumer reports

I tried to set-up online Social Security account but was unable to do so. Social Security checks their information against Experian. While both XXXX and XXXX reports do not show fraud associated with my account, Experian continues to indicate that is a problem so I can not get a credit report. I have sent validating information as requested to Experian on multiple occasions to including a driver 's license, an insurance bill, etc. they continue to indicate it is a problem. Additionally, I requested the source of the alleged fraud and have received nothing. They re-investigated 3 times and indicated my dispute is complete which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my 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 XXXXXXXX US DEPT. OF EDUCATION - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) States A consumer reporting agency can not furnish an account without written permission.

15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.
Product: Credit card or prepaid card

Someone is trying to open pre-paid cards with my name and data ( XXXX  XXXX  and XXXX ) as well as opening up a checking account in my name ( TD Bank ) Someone also tried to use my bank ( XXXX  ) to send a XXXX payment I have never banked at TD or XXXX  or XXXX  Someone also tried to get into my XXXX and XXXX cancelled my account, now I can't use XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting valid documentations about 12 HARD INQUIRIES ON MY CREDIT REPORT, I notice that TransUnion credit report agency violate my rights and section # 604 and # 609 on the FCRA, not providing me with any valid and legit documentation and maybe using the E-OSCAR system in my dispute. " E-OSCAR SYSTEM '' IS AUTOMATIC VERYFING AN ACCOUNT AS LEGIT WITH OUT MAKING A FULL INVESTIGATION AND NOT CONTACTING THE CREDITORS TO OPTAIN VALID DOCUMENTATION
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronice Funds Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANCO POPULAR XXXX XXXX XXXXXXXX XXXX XXXX id XXXX is reporting incorrect information to XXXX. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. XXXX ID : XXXX Is reporting inaccurate information on my XXXX credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my XXXX credit reportXXXX/ BANCO POPULAR XXXX XXXX XXXX reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information
Product: Debt collection

XXXX XXXX XXXX is claiming I owe a debt {$1500.00} however they have not showed verifiable proud that the debt belongs to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from XXXX XXXX XXXX ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand XXXX XXXX XXXX cease and desist all collection activities on this account and remove this account off of my credit reports immediately. 

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Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have contacted the below companies and XXXX under the XXXX & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX OF ) XXXX Balance Owed : {$560.00}
Product: Debt collection

This company is attempting to collect a debt NOT owed to them nor to XXXX XXXX  XXXX Credit Control Corporation failed to honor that this debt is covered by my medical insurance. I have monitored my correspondence with them closely & contacted them 7 times in the last year dating back to XX/XX/XXXX, XXXX Credit control corporation reported this erroneous debt to the Credit Reporting Agencies and refuse to remove this debt NOT owed. These negative incorrect remarks have been reported to the credit bureaus and has tarnished my great credit history. I have been in great distress and have suffered multiple migraines and panic attacks due to this situation! 

I demand that you remove these incorrect remarks immediately! To add insult to injury, you have private details about my medical history and records THAT I NEVER GAVE AUTHORIZATION FOR YOU TO HAVE!! WHO AUTHORIZED THIS??! This is an invasion of my privacy, and A HUGE VIOLATION OF MY RIGHTS under the HIPPA Law!! My rights have been violated with the transfer and misuse of patient private medical information! I am immediately filing a complaint with the U.S. Department of Health and Human Services Office for Civil Rights for a health privacy-security violation against XXXX XXXX XXXX! I will also be reaching out to my attorney immediately to pursue a lawsuit against Credit Control Corporation because you have violated my consumer rights under the FDCPA! The harassment from the phone calls and letters is causing me an enormous amount of distress and I will seek compensation accordingly.
Product: Debt collection

I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX   removed it over a period of time and years of disputes XXXX   wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing
Product: Debt collection

In XX/XX/2011 a debt collector company named Afni contacted me for a supposed debt I had with XXXX XXXX for XXXX dollars. I had never had an account with XXXX so I ignored the letter. For the next few weeks this company continued sending me letter based on the allegation I had a debt with XXXX, I became worried and called XXXX and they told me I had never had any account balance on my name. Years passed and last week I received another letter from Afni collecting the same debt. I enter on the website XXXX to check my credit and this company affected my credit even when they closed the issue. On this new letter they offer me that if I pay half the debt I will resolve my account. I am worried I could have been victim of identity theft, because I had never had any kind of account with XXXX or any debt with this company. My phone bills were paid by my parents and it was another company. So im asking for help. Im worried this could be a more serious situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX  v. XXXX, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. XXXX, TU, and " XXXX XXXX XXXX '' are ruining my credit illegally.
Product: Credit card

Huntington bank credit card dept double Charged my credit card in XX/XX/2023 and after XXXX weeks and many efforts on my behalf the false transaction have not Clear from my account ( bank fraud? )
Product: Debt collection

AMEX, or their subsequent debt collection agencies, have been pursuing me for debt collection activities, and in so doing, have broken the laws by calling my XXXX mother in Ohio by telephone, requesting information about me.