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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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
Product: Checking or savings account

I am writing to file a complaint against Nacy 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 investigation into my accounts transactions
Product: Mortgage

The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.
Product: Mortgage

I purchased my current condo less than 2 years ago. I paid {$12000.00} extra dollars extra to my down payment which leaves my 30 year fixed mortgage scheduled to be paid off a year in advance. In my mortgage center, the total balance is listed at XXXX. However, through Chase, my remaining balance is XXXX. On top of this, Chase has in my escrow account enough to my pay my entire 2023 property taxes which is over XXXX in escrow ( I pay my mortgage insurance separately ). Chase requires a BPO who valued my house at XXXX over the originally assessed value. Since then, Chase has given 2 separate reasons for not canceling PMI such as the market being inflated and now not applying the balance I paid + the excess escrow to my balance. Ive spent countless hours on the phone with no luck. Ive advised chase i will be retaining legal counsel to which they finally escalated the issue. I am hoping you can help. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.
Product: Student loan

I am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero.

My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.
Product: Credit reporting or other personal consumer reports

XXXX credit report has not been updated in over a year. Experian has failed to keep accurate accounts of my report and by doing so, no updates have been made since XX/XX/year>. I reached out to the support team twice and both times told that they were trying to validate credit information. Any unverifiable information cant be used, nor should it not hinder my ability to obtain a credit report. Under the FCRA they have violated several regulations and I would like these issues corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I sent a final letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm disputing have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are required to delete any accounts and information listed on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days following the date of receipt. Before I am compelled to take legal action, I am submitting this CFPB complaint to request the complete removal of the disputed accounts and information from my credit file. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file because they were caused by identity theft : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Per the contract I and XXXX signed, the loan was to be discharged due to the school closing and the owners of the school accepting me as a student while knowing they were going to close the school. Navient/Sallie Mae have never returned our phone calls in over 14 years. There has also been a recent settlement that our loan qualifies to be discharged under and we still get calls from various collectors saying we owe when we dont. We require the information to be updated accordingly to reflect the loan has been cancelled and the proper agencies notified. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX and Experian in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need XXXX and Experian to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.
Product: Payday loan

I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian and XXXX  continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither Experian nor XXXX  reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because experian and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate. 

I as the consumer have a right to privacy.
Product: Credit reporting

My Experian report contains several SSN variants that do NOT belong to me. I have one SSN which should appear on my report, a copy of which is attached. All other numbers must be removed as they are not mine and are causing adverse action in credit decisions affecting me. Only my VALID SSN should be listed on the report. All other information is INVALID and causing me financial harm. I attaching my drivers license to prove my address and a copy of my ORIGINAL and OFFICIAL SSN card.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX for {$700.00} inaccurate price XXXX XXXX {$520.00} account unknown XXXX paid account removal XXXX paid account for removal
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Because the fact I found there are some Robo-Signatures affecting the title of my property located at XXXX XXXX XXXX XXXX CA XXXX original caused by this company NATIONWIDE TITLE CLEARING INC. This company has been investigated in the past for the same I experience by 2 State Attorney generals. 
The end result has been I'm experience a Property theft without no Local, or State Agency willing to take my inquire complaint against this company. 
I asked them in a friendly manner to remove those fraudulent documents recorded in the County records they ignored and rejected my request, I File an inquire with the CA State Attorney Office ( attached ) as well ( I'm attaching the 2 consent orders from Illinois State AG and Florida State AG as precedent ). They didn't want to investigate this issue I reported as a California Customer Consumer. 
I'm trying to expose here I been a victim of White Collar Crime. I want someone assist me in order to protect my property. 
I understand because the Fact existed Robo signatures performed by NATIOWIDE TITLE CLEARING INC 's Employees all the following documents recorded are void plain and simple. 
As I stated against the Companies who performed the theft in my property with Null/Void documents even lying to the CFPB in each complaint I opened in the past against them. I would like to a very least to launch a investigation against NATIONWIDE TITLE CLEARING INC FOR RECORDING False/Void Documents affecting the title of my property which its been stolen as we speak.
Product: Bank account or service

I get calls everyday around XXXX from BB & T Bank saying I owe over XXXX and telling my family member my business and calling early before XXXX each morning in which law states collection calls should be made after XXXX, I do n't owe XXXX it was less than XXXX because I lost my job. they call XXXX-XXXX times a day harassing us. the calls come from XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 highlights the importance of consumer reporting agencies exercising their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, as stated in 15 USC 6801. 

I am writing to express my concern about XXXX and XXXX, which are consumer reporting agencies that have been sharing my private information without my written consent. According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given my written consent XXXX and XXXX do not have the right to furnish my private information. 

Furthermore, the financial institution that has been furnishing my information to credit agencies has not informed me of my right to exercise my nondisclosure option, which is a violation of 15 USC 6802 ( b ) ( c ). Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information without authorization under subsection ( b ), which I have not provided. 

XXXX and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, as required by 15 U.S. Code 1681e. Therefore, I am exercising my right to opt out of their reporting services, as stated in 12 CFR 1016.7.
Product: Checking or savings account

1 ) On XX/XX/20 I received an email from 53 saying " my online account was locked. '' This was due to nothing I did. 53 wants a {$500.00}. Balance in this account. I called 5 times and held 30 minutes each call-in answer. I think it's illegal to not let clients see activity on their account opening it up to FRAUD activity. This is criminal and corrupt and a bank should not be allowed to do this. I made no attempt to access-This was Not caused by me. A bank should be charged a daily fine for not allowing money holder to see it. Especially when a balance is required. I EMAILED MERCY, BANKER ABOUT NOT HAVING ACCESS BUT CALLING 53 AND 2 ) NO ONE WAS ANSWERING PHONES. N53 BANKER DID NOT RESPOND EITHER. THIS IS SERIOUS INFRACTION AND 53 SHOULD NOT BE ALLOWED TO BLOCK ACCOUNTS. TODAY IS SUNDAY XX/XX/2020 AND 53 CUSTOMER SERVICE IS CLOSED. I CALLED ALL DAY XX/XX/2020 BUT COULD NOT GET THROUGH CUSTOMER SERVICE-THIS IS INTENTIONAL BY 53 OR THEY SHOULD BE REQUIRED TO HAVE STAFF PRESENT ANSWERING PHONES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) 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 an account without my written instructions.