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

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. XXXX5 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX  for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of XXXX XXXX XXXX  nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX. I called Citizens Bank card services and spoke with someone about a late fee I had received. I had asked for a courtesy rebate of the late fee. It was an error. I explained that due to Covid-19 I was an essential working and was working incredibly long hours and simply forgot. I was told they could not rebate the fee. I said ok- I understood. I then received an email asking about my experience. I had explained the situation and said the customer service rep was great- he was doing his job but I didn't feel that for someone who has had the card with them for 9 years and they have never had an issue with my payments etc. that I felt it wasn't a fair decision. I never heard back from that survey email. Then I received a letter that they have decided to close my account now- due to my credit score being a XXXX. I feel this was in direct response to my complaint. In the past 9 years my credit score had been much lower ( due to a divorce and loss of significant income ) and never had that happen. I have never been late on the card and there has never been issue. I called to speak with someone at Citizens Bank XX/XX/20 and was told I would get a return call and never have.
Product: Student loan

I attended a XXXX XXXX ( first name was XXXX  XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime.
Product: Debt collection

I opened my discover credit card in XXXX of XXXX and was making on time monthly payments for almost a year straight then in XXXX of XXXX the reason I missed the first payments on my account was due to a medical emergency I was hit by a car in XXXX of XXXX and I was out of work for XXXX weeks due to my XXXX and XXXXXXXX and financially it was one of the worst times of my life as a single mother I feel behind on everything. In XXXX of XXXX my client who I had been doing XXXX for almost 2 years passed away. I became XXXX in XXXX of XXXX and was unable to find a job I just had my XXXX in XXXX of XXXX. The first month after my injury was financially the most difficult time of my life and this is when I missed that single payment. I wish I could of kept up with my end but I feel behind on everything and Im just now catching up but this on my record for the future of me is going to stop me from a lot of things I financially take responsibility but I ask that you please give my account a good well credit. Your taking me to court for XXXX and I just had a XXXX for the last 2 years I was in employed
Product: Credit reporting or other personal consumer reports

Hi i checked my credit report On XX/XX/XXXX. I noticed some unauthorized inquiries on my credit report. 
I currently received my credit reported and located the following seriousproblems of inaccurate reporting. I have sent letters to disputing my creidtreport because I have just accepted that i had bad credit and became a victim ofit. I dont know what went on in my name because soneone hacked my computer. I was not aware that my information had been compromised. 

I dont know what these collection, account are for inaccurate and late charges. I have contacted these collection agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) to validate these debts, so therefore I am disputing the validity of these debts. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Our mortgage company ( LakeviewXXXX  ) has set us up in a loan modification program. 

The issue I have is that I received an email from an XXXX XXXX stating we were in default of our mortgage. XXXXtates they are in process of foreclosing on our property. Email has the Lakeview Mortgage logo on it. I called the number listed and XXXX XXXX answered the phone. He proceeded to tell me the same thing the email said. He also told me we were in default on escrow and owed over {$500.00} payable immediately. He asked for my credit card number. I got very nasty with him still thinking this was a valid notification. 

I looked over the email closely and noticed it was poorly written. I called Lakeview and was informed it was a scam. I asked how this guy got all of this personal information that only Lakeview should have. The girl started double talking and I finally asked her whether Lakeview was concerned about this. She stated they were but all I could is report this scam to you.
Product: Debt collection

I have disputed with the credit burueas and I have wrote the company but no response
Product: Credit reporting or other personal consumer reports

I have sent out letters numerous times to the credit reporting agencies to change my personal information. The only name that should be on my credit report is my one and only name. the only address i can receive mail is my address which is on my Drivers License which i also sent in photocopies to the credit reporting agencies. I don't want to list any employers on my consumer report nor do I want my social security and date of birth on my report for privacy reasons. Also i have XXXX phone number all other phone numbers are inaccurate which is a violation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of XXXX XXXX XXXX on my credit report. This account has been sold to XXXX XXXX XXXX, and per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), an original creditor may not continue reporting an account once it has been sold to a debt collector or another entity. Since XXXX XXXX XXXX is now the legal owner of the debt, XXXX XXXX XXXX reporting is inaccurate and must be removed. 

Under FCRA 15 U.S.C. 1681i ( a ), I request an immediate investigation into this duplicate reporting and the removal of the XXXX XXXX XXXX  entry from my credit report. Please provide a written response confirming the resolution of this matter. 

Failure to comply with this request will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies as necessary.
Product: Checking or savings account

On Thursday, XX/XX/year>, I signed in to my account to pay my credit card bills, and I realized someone used my account and wiped away my entire savings account for my kids. I called PenFed, and I disputed the transaction. I was requesting a new account number, but this bank looks like it has closed down all my accounts and closed my credit cards. I would like to still bank with PenFed and keep my savings account open. Someone went and transferred money to an unknown account. they spoofed called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to contact Experian by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after one time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so Experian can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : 1. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a XXXX school. 

2. After I took out the loan, and completed the teaching years they rejected the forgiveness.

3. I've had deferments and forbearances until XX/XX/XXXX. 

4. I've never made one single payment on the loan.

5. You say that I didn't have a forbearance in XXXX. 

6. I did fill out the applications for that.

7. I am XXXX and have three XXXX that would qualify. 

8. I am XXXX. 

9. I'd like to get a car so I don't have to ride a bike for groceries or the hospital.

10. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

11. I will request this every day for the rest of my few years left.

12. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Debt collection

I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XXXX XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report. 
I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction.

Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). XXXX has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives. 
You, XXXX should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers. 
Since you XXXX and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Product: Checking or savings account

My brokerage account was down - {$10000.00} at market close. At that time I was issued a Brokerage Account Deficit for {$400.00}. In after hours the drawdown was reduced to - {$6300.00}. The account deficit was not recalculated. At XXXX I was issued a margin call by email for {$400.00}. ( Note, that there is no deficit at this time, as it was completely covered by the after hours change. ) At midnight my account inexplicably went + {$4200.00}. The application then showed both a brokerage account deficit and a margin call, for different and inverted amounts ( The email and the app have the margin call for different values ), despite the fact that there is no deficit at all. 
This is just one example of the nonsensical information that robinhood has been displaying to me for months. I have been complaining constantly, and they refuse to even comprehend my complaints, and they lie about the nature of my inquiries to the regulators that I complain to. They then force sell my securities based on fraudulent margin calls. I will likely have trading restrictions tomorrow and they may sell something and claim that I left a margin call open so they can. There is no deficit, and by robinhood 's own rules I can not have both an account deficit and a margin call, because account deficits are converted to margin calls.
Product: Checking or savings account

I bought a wedding dress in XXXX of XXXX. 
By XXXX of XXXX  I still hadnt received said wedding dress. 
I would call the company and they would tell me over and over that I would receive it by the following XXXX XXXX would come and I still wouldnt have it. 
I finally gave up and decided to dispute the charges. 
USAA reps told me that I shouldnt have anything to worry about and that Id get my money back. However my dispute was denied due to being outside of XXXX  days from my transaction. I filed a complaint with the XXXX  for the company XXXX  and XXXX and XXXX  is not affiliated with lace and grace and I also tried to email the company email to get a refund when USAA denied my dispute. 
I even tried disputing USAA with the XXXX  and USAA finally told me that it was VISAs decision and they have to follow VISAs core values and expectations. However I called XXXX and their core values are XXXX  days from point of purchase OR XXXX  days from expected delivery for goods not received. 
I pointed this out in my recent response through the XXXX  but USAA failed to respond. 
I am filing a complaint here and a complaint with XXXX as well. I feel as though USAA was only honoring their core values, not VISAs or the needs of their members.