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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account NumberXXXX  THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXXXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my father requested balance transfer {$3500.00} from his own Bank of America account to XXXX and XXXX. Bank of America transferred {$3500.00} from my account instead of my father 's own account. My father was my account 's authorized user but haven't received credit card since 2015. I still have my father 's unused/inactivated card since 2015. He doesn't have new card 's expiration date and security code. When he requested balance transfer, the only information he had is his own account number. I confirmed from him that he wanted to make balance transfer from his own account. 

I contacted Bank of America and opened case on XX/XX/XXXX. Bank of America freeze the account and send me another card with new credit number. 

I received alert from Bank of America apps that someone used my new card which I have never received to make a transfer thru XX/XX/XXXX. 

I contacted Bank of America again this morning about XXXX transaction. Bank of America declined this transaction and promised me that I will receive a new card. I requested the results of {$3500.00} transfer investigation. Turned out that Bank of America itself was the fraud. To maximize the profit, it make sense to use my account instead of my father 's own because I have XXXX balance and higher limit. 

I spend 5 hours on the phone with multiple department today, no one is going to refund my money after it has been transferred illegally 36 days. Bank of America even charged my {$140.00} transfer fee. Both Fraud department and Sales department refused to escalate this case, both department stated that higher level management were not available.
Product: Credit reporting

Recently, received my credit report and found unwanted Hard inquiries on there permitted by Experian, despite the fact I have asked for a valid investigation or having them removed under the FCRA law. Experian never proved a proper re-investigation by having these companies certify they had a valid reason to access my report.
Product: Mortgage

I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?
Product: Student loan

I have been making payments on my student loans from Navient for at least five years. The principal balance for one of my two loans with them was {$13000.00} - taken out when I was in college in XXXX. I began making payments toward this loan in XXXX, and at first was making full payments toward the principal. In XXXX, I switched to interest-only payments due to my financial situation. That lasted for two years. In 2014, I again began making full payments on the loan. In the three years that I have been making full payments, my principal balance has not decreased at all. According to Navient 's records, I still owe {$12000.00}.
Product: Student loan

I cosigned a college loan of my daughter 's in XX/XX/XXXX. The Lender was XXXX XXXX but it was assigned to National Collegiate for collections. 
My husband and I filed Chapter XXXX in XX/XX/XXXX and the court granted us a discharge in XX/XX/XXXX. When we filled, we were told that no college loans could not be included in a Chapter XXXX bankruptcy. Immediately after the our Chapter XXXX discharge, we filed for Chapter XXXX protection while we worked out a payment plan for IRS back taxes and and this college loan. We completed all Chapter XXXX payments in XX/XX/XXXX and were granted a discharge XX/XX/XXXX. 
The original college loan amount was {$30000.00}. Prior to the Chapter XXXX Bankruptcy we had paid {$9900.00}. The total of payments made to National Collegiate through the trustee were {$7300.00}. In total we have paid XXXX/National XXXX a total of {$17000.00}. 
It was our understanding when National Collegiate accepted the Chapter XXXX payment plan, successful completion of those payments would satisfy the loan. Now they want us to cover a " net charge off amount of {$26000.00} ''. Given this, what if anything do we rightfully and legally owe National Collegiate. 
National Collegiate has told our lawyer we were given until XX/XX/XXXX to respond to their demands, so this matter is of some urgency. Please let us know what rights we have in this case and recommended the next steps. 
Thank you very much for your time and we are so glad you exist. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts multiple times with experain and XXXX XXXX. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what XXXX XXXX has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Product: Credit card or prepaid card

On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt 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 victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Product: Debt collection

NCA contracted XXXX XXXX  to collect for XXXX XXXX XXXX XXXX Before I was able to dispute this debt, NCA and XXXX violated FDCPA via electronic harassment. My email inbox was inundated with excessive email collection attempts with the purpose of annoying me into settlement.
Product: Checking or savings account

This is the XXXX complaint i am submitting because the XXXX previous responses capital one never did what was said in those responses. Capital one is being holding frozen approximately {$70000.00} of my XXXX XXXX funding since XXXX 2021.even after submitting all the docs they required. In the last response cap one has stayed that they would be returning the funds to the sender MBE CAPITAL PARTNERS by XX/XX/2021. Of course they never did SO I WOULD LIKE TO KNOW WHY THEY DIDNt DO WHAT THEY STATED ON THEIR LAST RESPONSE? IT SEEMS THAT THEY TRYING TO KEEP THE MONEY THATS WHY THE DISHONESTY OTHERWISE WHY WOULD THEY KEEP LYING ABOUT IT. Also as i am not the only person they are doing this too i would like capital One to give a report as to where all those funds are.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I started making payments for the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. I made payments of {$350.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, and {$800.00} on XX/XX/XXXX totaling {$5100.00}. On XX/XX/XXXX we found out from the XXXX XXXX hotel the venue for the rooms and comedy show which was supposed to be XXXX that the event was no longer happening. XXXX XXXX reached out on XX/XX/XXXX saying it was not their fault for cancellation and the hotel messed up the booking. XXXX XXXX reached out again on XX/XX/XXXX about us receiving a refund and said to allow XXXX weeks for this to take place. No further communication was received from XXXX XXXX and they filed for bankruptcy in XX/XX/XXXX. I have filed this dispute previously and several times through cashapp which is the company I used to pay for this service and have been denied each time due to charges being outside of the 60 day dispute window however initially XXXX XXXX stated they were going to issue a refund on XX/XX/XXXX. They later filed bankruptcy. They have since defaulted on the bankruptcy and now their attorney has withdrawn himself from the case due to XXXX XXXX unwillingness to listen to his counsel. I have seen several other people refunded their money from their credit companies and ask the same consideration. Thank you.
Product: Debt collection

The account that I am submitting this dispute for is not mines. The debt appears to have originated from a medical services that I did not use. I have no idea how this could have taking place without my consent.
Product: Student loan

I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.
Product: Checking or savings account

I notified via email that i was disputing a charge I had paid with my debit card ( compliant to regulation E ), the product/service was not as described or listed. I sent the initial email on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from a woman named XXXX, stating they would initiate the dispute and communicate in writing. On XX/XX/XXXX, I had not received any letters, paperwork, or seen the dispute initiated in our bank account. So i sent a follow up email on the matter. I had not received a follow up by XX/XX/XXXX, so i opened a claim with the XXXX. On XX/XX/XXXX, I received a call from XXXX again at 53rd, stating that it was being placed in dispute. So from XXXX ( XXXX Calendar Days & XXXX business days ) I had not seen anything on my account or received an email/letter around the transaction. On XX/XX/XXXX, I received a response to my XXXX claim electronically & then a follow up call, now from a gentleman named XXXX. The response via the XXXX  was from XXXX XXXX with 53rd Bank, and she sent documents that were mailed on XXXX & XX/XX/XXXX. However, they mailed them to a very old former address on file. I confirmed with the bank 's customer service that my address was and had been updated in their system. I received the letters via mail forwarding in once on XX/XX/XXXX and again in early XXXX. However, in their response on XX/XX/XXXX, I was able to print them and complete. I sent them via email to the XXXX on the XXXX and again on the XXXX. On XX/XX/XXXX, I received a XXXX  response from the bank that the Chargeback had been filed with the merchant on XX/XX/XXXX. So the charge back was initiated with out any documentation that i completed, furthermore a previous response says the documents were mailed on XXXX ( to an old address ). I am unsure how they file a chargeback the same day they send me the documentation to complete, in order to file it? Beyond that they continued to send the same response via the XXXX messaging. The dispute had been opened and to allow 90 days. They did not address my concern at all of not having my documentation on file. So fast forward to XX/XX/XXXX, I received no letters, no communication, since XX/XX/XXXX. I see that my checking account was disputed the provisional credit. I have not been provided any information around the dispute and why this was done. The bank has confirmed they have my correct address on file, my email address, and phone. I received no notice of this happening. I sent a rebuttal to the XXXX around my concerns & issues with how this was handled. I have had nothing resolved. I had photos, documents, etc pertaining to this dispute case all to find out that it was sent for a chargeback the day they mailed forms to my old address. What can be done about this issue?
Product: Checking or savings account

AXOS BANK CHECKING, IS HOLDING MY DEPOSITS FOR NO REASONS AND WHEN ASKED ABOUT THIS SEVERAL TIMES THEY KEEP SAYING MY ACCOUNT IS UNDER REVIEW THE ACCT WAS OPENED IN XX/XX/2020, THEY ASKED TO VERIFY MY INFO I DID, AND THEY SEEN I WAS A WHITE MALE AND SUSPENDED MY ACCOUNT FOR NO REASONS GIVEN, THIS CHECKING ACCOUNT HERE WAS BASED ON MY RACE I HAVE HAD THIS ACCOUNT SINCE XXXX AND NO ADVERSE ACTIONS ON THIS ACCOUNT UNTIL I MADE A BIG DEPOSIT THEN THEY VIOLATED ME AND MY CIVIL RIGHTS. I DONT THINK THEY SHOULD BE DOING THIS TO INDIVIDUALS AND GETTING AWAY WITH THIS TYPE OF CONDUCT, AXOS BANK IS HOLDING MY MONEY FOR ALMOST A MONTH WHICH IS TERRIBLE TREATMENT. I HAVE ASKED REPEATEDLY IN WRITING TO SEND ME A CHECK ON THE BALLANCE AND DESTROY ALL MY DOCUMENTS AXOS BANK IS A PREDATOR AND A VIOLATOR OF MY RACE AND CIVIL RIGHTS. THEY REFUSE TO RESPOND. PLEASE ASSIST TO PUT THIS IN CLOSURE. TY
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.
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. 

Account name : XXXX, Account name : XXXX, 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 or other personal consumer reports

In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX OF XXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Finding inaccurate accounts on my credit report this morning was completely unexpected and alarming. Im used to reviewing my credit report without issues, but today there were errors that I cant explain. Even after refreshing my browser, the errors persisted, which was frustrating. I need the documents Ive submitted to be carefully reviewed so that I dont have to face this kind of stress again.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request to investigate collection account XXXX XXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX  has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX  Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX  has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX Equifax still reporting false information for years.
Product: Debt collection

This collection agency is showing on my credit report with incorrect information. The original creditor, amount owed, and date debt became deliquent. Collection agency has also listed debt as new debt with false opened date. This information is preventing me from obtaing a home mortgage.
Product: Credit reporting or other personal consumer reports

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently