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

I am writing to file a formal complaint against Experian for serious violations related to the reporting of multiple XXXX  loan accounts on my credit report. The inaccuracies and unauthorized disclosures not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate the Family Educational Rights and Privacy Act ( FERPA ).

Unauthorized Disclosure of Student Loan Accounts : Experian is reporting multipl
e student loan accounts, including DEPT OF ED/XXXX and DEPT OF ED/XXXX, which should not be posted on my credit report at all. The unauthorized disclosure of such sensitive educational information violates FERPA, which protects the privacy of student education records.

Inaccurate Information and Violation of FCRA : The credit report contains inaccurate information, including monthly {$0.00} payment reflections despite the fact that the entire country 's student loans were in deferral under the CARES Act. This constitutes a clear violation of FCRA regulations ( 15 USC 1681 ), as the reported information is misleading and not reflective of the actual status of the loans. 
Unauthorized Private Information Disclosures : Experian is displaying private information, including balances and payment histories, without proper authorization. This unauthorized disclosure violates both the CCPA and the Privacy Act ( 5 USC 552a ).

Failure to Reflect Loan Consolidation and Forgiveness Programs : The credit report fails to reflect that these loans are consolidated and may be eligible for forgiveness through programs such as Public Service Loan Forgiveness ( PSLF ) or the Federal Student Loan Forgiveness Program. The omission of this critical information further compounds the inaccuracies in the report.

I am deeply concerned about the potential harm these inaccuracies may have on my credit standing and the unauthorized disclosure of sensitive educational information. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies promptly. 

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FERPA, FCRA, CCPA, and Privacy Act ). I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report.

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit card or prepaid card

I purchased a computer for XXXX XXXX XXXX back in XXXX that started having problems with the hard drive, that eventually died. I received no response from XXXXXXXX XXXX XXXX, so I contacted the XXXX XXXX XXXX   and filed a complaint. XXXX XXXX XXXX  responded and I was given a {$51.00} credit so that I can purchase a new hard drive for my computer that has been sitting here in non-working condition. My work has been behind for now four weeks and finally my complaint was resolved. Now, the credit was put on my Bluebird/Amex card for the {$51.00} as of XX/XX/XXXX, but now it is on hold and I really need to purchase my hard drive, because I can't afford to be any more behind. I have attached documents showing screenshots of what is seen on my Bluebird account with the transaction information. A rightful return now being on hold after having to deal with this fiasco for the last few weeks, is completely unacceptable. I noticed online, there has been a lot of complaints about Amex/Bluebirds practices. Months before they were not doing this, and now they are getting really crazy.
Product: Credit reporting or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

Santander Bank offered a promotion of funding {$220.00} banks after certain conditions were met. Those conditions include direct depositing an amount of {$500.00} or more, and keeping the account open for 90 days. Terms and conditions say it may take up to 30 days for funds to appear in the account after the 90 days. I open an account and funded the initial deposit on XXXX XXXX, XXXX. It has been 125 days since that date. I made two direct deposits to the account, each of a sum of {$500.00}, on the XXXX of XXXX ( approx. 30 days after account opening ) and another direct deposit on the XXXX of XXXX ( approx. 45 days after initial deposit ). I have established good standing with the account and no fees applied, due to continuation of direct deposit. After not receiving and funds after 120 days, I called the bank. A customer service representative told me I should call back later in the week if the funds were n't posted. I called back later that week, and was given a reference number. Was told to call on the following Monday. I called on Monday, and was notified that the bank was performing 'research ' to establish if I would receive the funds from the promotion. I believe the bank is delaying paying me in hopes not to provide the funds offered from the promotion for fraudulent reasons.
Product: Debt collection

Midland Funding collections are reporting an old outdated debt on my credit. They re-aged the account and money that I do not owe. They put on my credit report that the creditor is XXXX XXXX  but it doesn't state what card. XXXX XXXX just approved me for two cards. I requested validation of the account and Midland won't send me anything. I requested validation many times but they just ignore me and continue to report it on my credit
Product: Checking or savings account

I opened an account with Bank of America # XXXX and deposited my check on XX/XX/2021 to fund my account. Several hours later I tried logging into my account and was told that the account was locked. I immediately called Bank of America and was routed to a department that advised me my account was going to be closed. I was shocked that Bank of America would suddenly close my account without any notice whatsoever. I did not even have the opportunity to make once debit card purchase or any transaction outside of my deposit. 

I now have no access to my funds and will face financial hardships. Bank of America has no regard or respect for its customers. They do not think to call, email or send a letter in advance. They arbitrarily closed my account, and left me with nothing. 

All of the criticism Bank of America has received for its handling of EDD issues and the now class action lawsuit its facing seems to be well deserved and merited. This bank does not care about its customers. It has left me out in the cold with nothing.
Product: Debt collection

I was living at an apartment complex with my now ex-wife her mother offered her a house and she decided to move I couldnt afford the apartment by myself so I was forced to move with her Unfortunately that lead to breaking of the lease I was a XXXX XXXX XXXX only new job and simply couldnt afford the apartment by myself so of course it went to collections With the balance Of {$3000.00} although it was a joint debt with my wife being Senior signer on the lease the company refuses to let me make monthly payments all the attempts have failed and they want the entire balance I dont have that balance at one time please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ally bank XXXX XXXX XXXX XXXX CT XXXX RE : XXXX XXXX  XXXX to XXXX XXXX. discrimination is against the law it has been over a month since I notified ally bank about their discrimination against me the consumer I spoke with XXXX XXXX from ally XXXX customer relation office. Ally bank continues to violate the laws of my consumer rights with the unauthorized use of my credit card account I have not receive any benefits from these transaction I receive another discrimination dated XX/XX/ ignorance to the law is no reason to break them 20 days has past
Product: Credit card or prepaid card

I've been a customer of Wells Fargo ( WF ) for close to XXXX years. During my time as a customer WF has constantly put me in products that are not a good fit. For example one of my checking accounts was converted to an account that would cost a monthly fee. Wells Fargo did not send anything detailed in the mail- they wrote a very small note on my mobile dashboard. When I called to inquire why the account was changing I discovered there was a different account that was free and and better suited for my needs. This was also the case for my rewards credit card ; it was automatically converted to a cash back credit card. Again nothing was mailed out to me ; there was a small notification on the mobile dashboard saying the current card would switch over by a certain date. If WF has the power to switch customers into different products without their consent or consulting with them first it seems they would do their due diligence and learn how a customer uses their accounts /credit cards and place them in a product that's in the customers best interest. 

Second example - WF closed all Personal Lines of Credit. Customer 's were not given the option to keep their XXXX open. This clearly was done because it was beneficial to the company. 

Also, Wells Fargo has consistently kept me at the highest APR for my credit cards despite my good standing as a customer ( Excellent credit and XXXX score, on time payments etc. ). I have asked for Wells Fargo to explain why my APR is at the highest but they do not have not given a reasonable explanation. I was recently sent a promotional offer for a loan ( up to $ XXXX ) from WF so they aware of my good credit history. They are refusing to give me a decent XXXX  or convert me to credit card that works for me. 

I'm requesting my XXXX be lowered or I be placed into a different credit card without a hard pull on my credit.
Product: Credit reporting or other personal consumer reports

CFPB, I've been trying for over 1 years with Equifax to remove all incorrect addresses from my consumer report. It's like they are ignoring my requests and I'm not happy about it. I will have my lease attached, and the incorrect address as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit card

My Coinbase account was compromised and converted into USD and withdrawn from my Coinbase account to two fradulently opened credit card accounts in my name. Several buybacks were attempted through the account. XXXX response was that the perpetrator stated that they were you and checked the box when they filled out the form. 

XXXX opened these accounts despite a credit freeze on all 3 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and 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.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
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. I told XXXX, XXXX XXXX and Equifax to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Product: Debt collection

The two companies are, ( EXPERIAN ) and ( XXXX XXXX  XXXX XXXX ). I have filed a police report regarding Identity Theft and fraudulent debt collection as a result of identity theft. The police report was filed and reported to ( XXXX XXXX XXXX Police Department ), located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX. I am currently disputing this matter with ( EXPERIAN ) credit reporting agency and ( XXXX  XXXX XXXX XXXX ) collection agency. The assumed amount of fraudulent debt requested by ( XXXX XXXX XXXX XXXX ) is ( {$2500.00} ). I have submitted the full police report to the above agency demanding this fraudulent debt collection account be deleted and removed due to identity theft of my ( Name, California ID Number and Social Security Number ) being used for fraudulent purpose. I asking that both agencies immediately remove and delete from their Data Base fraudulent debt collection due to Identity Theft, in my name and personal information related to me. 
Thank You
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my usual payment behavior.
Product: Vehicle loan or lease

Back on XXXX XXXX XXXX XXXX I went in to purchase a car from XXXX XXXX XXXX. This was my first time purchasing a car from a dealership so I didn't fully understand all of my rights as a consumer. l entered into this contract agreement with XXXX XXXX XXXX without first having full disclosure of my right to rescind and secondly without the transparency regarding the process of my consumer credit acting as the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as the self liquidating paper ( 17 CFR 260.11b-6 ) ). I have very much reason to believe that XXXX XXXX XXXX took advantage of me and my consumer credit. I also was under the impression that in order to drive off the lot it was necessary that I put a down payment of {$1500.00} in order to take possesion of my XXXX XXXX XXXX This was false and deceptive information and was a ( violation of 1692e ). Pursuant to ( 15 USC 1605 ) a finance charge is sum of all charges. Furthermore after closing the deal I was then told that I had some changes to my lease agreement and that my monthly payments and interest rates would be less, which I thought was great news. But I was pressured into signing a new lease agreement asap and the only time I could do so before their deadline was while I was at work. They proceeded to send someone to my job and have me sign while I was in the clock. With me being a manager I could not leave the floor for long as I am responsible for the store and was understaffed that day. This event took place on XX/XX/XXXX. I felt extremely pressured to sign this new contract and was not able to read the new terms thoroughly. I also never received a copy of the new contract so my only reference is the original contract I signed at the dealership. Lastly I had to do a welcome call with the lender XXXX XXXX and we kept missing each others calls, one of the agents at the dealership began to get impatient, hostile, and a bit rude with me because I hadnt done the welcome call yet. He evened threatened that they would have to take the car back that day ( XX/XX/XXXX ) if I didnt do it, which at this point I had already gotten off the phone with regional acceptance and completed the call so I found that extremely disrespectful. On XXXX XXXX I reached out to the same agent and let him know that the cars check engine light came on and I never got a response, which again I felt very disrespected and pushed to the side. I have sent a letter of rescission to the dealership on XXXX XXXX XXXX  and I am now waiting for a response. I am extremely disappointed about the violations this company has pulled on me and I would never want anyone to go through the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21, I wrote XXXX, Experian, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.
Product: Credit card

An application for a Citizens credit card was initiated on XX/XX/2024. I received a letter in the mail on XX/XX/2024 with the application ID number, stating that the application could not be processed because they were unable to verify information provided on credit application. I did not initiate this application. I called Citizens on XX/XX/2024 to report that as fraudulent application and it was cancelled at my request and marked as fraudulent. I informed them that the credit bureau had already been notified.
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 transaction were authorized I was charged fees due to lagged posting of charges and credit this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settle with insufficient balance 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 am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- XXXX -- XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2023 -- EQUIFAX -- XXXX - XX/XX/2023 XXXX - XXXX XXXX - XX/XX/20XXXX XXXX - XX/XX/202XXXX XXXX - XX/XX/2023
Product: Credit card

XXXX/XXXX/15 We paid {$5000.00} to XXXX XXXX XXXX via out Citi Card Credit Card. 
XXXX/XXXX/15 Called Citi Card to dispute amount secondary to advised by our health insurance company we were not obligated for the full {$5000.00}. 
XXXX/XXXX/15 Received letter from Citi Card requesting we provide them the name of our insurance company, settlement date of claim, amount Insurance Company paid and our obligationXXXX/XXXX/15 Faxed over all requested items, stating our responsibility to XXXX XXXX XXXX was {$2600.00}, there leaving a credit due to us for overpayment of $ XXXX Received credit on credit card of {$1200.00} from XXXX XXXX XXXX Received letter from Citi Card asking if the {$1200.00} settled our dispute, replied back to letter via fax on XXXX/XXXX/15 stating no this did not settle our dispute as the total amount of dispute is {$2300.00} therefore we want to continue dispute for the additional $ XXXXCiti Card has had all information to process this dispute since XXXX/XXXX/15. There is still no remedy to this matter.
Product: Credit reporting

XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options.
Product: Credit reporting or other personal consumer reports

I recently discovered that an account was fraudulently opened in my name by an identity thief. The account with XXXX XXXX XXXX was opened without my authorization. According to my credit report, this fraudulent account was opened in XX/XX/XXXX, but I only discovered it in XX/XX/XXXX. The account is currently in collections, negatively impacting my credit profile. 
I have attached my FTC Identity Theft Report ( Report # XXXX ), confirming that I am a victim of identity theft. This fraudulent account was opened without my knowledge or consent. 
I have previously attempted to dispute this fraudulent account with the credit bureaus and the creditor, but it remains on my credit report. 
Summary of the fraudulent account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX