23daVinci/CFPB_Complaints huggingface dataset:
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. 


Account Name : DEPTEDXXXXT # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX XXXX  XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPTEDXXXX XXXX XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX  # XXXX Account Name : DEPTEDXXXX XXXX XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX # XXXX Account Name : XXXXXXXX XXXX # 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, credit repair services, or other personal consumer reports

Wells Fargo Card Service seems to still report a closed account from about 5 years ago at least. The account has been closed for a number of years ( XXXX or XXXX ).
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 significant funds when transactions was authorized I was charged fees due to lagged posting of charges and credits this issue aligns with the CFPB findings against Navy Federal credit Union for similar practices where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Checking or savings account

On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    XXXX   XXXX
Product: Credit card or prepaid card

On XX/XX/2022 My secured credit card from capital one had a {$25.00} minimum payment due. I went to a payment center to make the payment, when I was being helped I realized that I did not have My debit card in My possession and ultimately was denied access to make the payment. Upon reaching My belongings, capital one debit card and statement, I called capital one, I was eventually connected to an agent whom proceeded to complete the payment, in which I had decided to pay the entire balance of {$180.00} through the means of My credit union checking and savings account. In concluding the phone call with the capital one agent, I was given a confirmation number for the payment. After a couple of days passed, I checked My capital one accounts mobile app to ensure that My payment on My account was in good standing. I recognized that the information shown was not what it should have been. I called capital one back, I eventually spoke to another agent whom eventually proceeded to ensure Me that He had cleared up the issue of My credit unions non payment to My capital one account, while also acknowledging that I made an attempt to make payment on time by waiving the {$25.00} late fee and providing Me with another confirmation number as well. Eventually, the same issue rehashed and when I made further contact with capital one I was informed that My account had been closed due to XXXX unsuccessful fraudulent attempts to have the bill paid. After settling down and letting a couple of days pass, I called capital one back, I eventually spoke to another agent whom had no clue about My account being closed, seen that I had a {$56.00} minimum payment due and proceeded to take the {$56.00} from the same credit union account that I had previously used and had been informed of its failure to be successfully processed. I would like to include the fact onto the facts that I have stated above, that I can exhibit those facts in an more concise format upon request in order to clarify any discrepancies. Thank You. Sincerely submitted.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

In XXXX, my brother XXXX XXXX enrolled at XXXX XXXX XXXX in Kentucky. At this time, I was a XXXX  at XXXX. XXXX was selected for verification ; therefore, I was also selected. XXXX uses the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to process student verification. See XXXX notes on student verification : The ED typically selects approximately 30 % of all FAFSAs submitted nationally for this process. XXXX also selects students for verification if their sibling or other family member is already selected and attending XXXX. 

While students are in the verification process, all financial aid is dropped. XXXX requested specific documents, and I provided them to the best of my ability. The documents were not satisfactory, ( missing my W2 from the previous year ), and I lost all potential aid for my final year. 

After graduation, XXXX XXXX contacted me regarding an outstanding balance on my account and threatened to withhold my diploma if the balance was not paid. As a post-grad student, I did not qualify for aid or have access to any XXXX aid. I was directed by the XXXXXXXX XXXX office to take out a private loan if I could not pay the balance, to receive my diploma. 

I applied and was approved for a loan through XXXX XXXX XXXX for {$11000.00} on XX/XX/XXXX, and paid the university immediately. At this time, I was not aware of the predatory private lending practices and the excessive interest rates. 

Since XX/XX/XXXX, I have made every payment, on time ( I missed XXXX payments during covid due to financial hardship ), for 6 years. XXXX has sold the loan to Firstmark Services [ XXXX ]. 

My payment history incorrectly shows activity from XXXX to now with Firstmark Services, and my account information is now non-existent with XXXX. I have been making payments since XXXX. 

I took out a loan for {$11000.00} in XXXX. The current variable interest rate is 13.590 %. I have made over XXXX payments toward this loan ( approx. {$11000.00} ) over 6 years. The current balance of the loan is {$10000.00}. 

The University says the Department of Education is responsible for dropping aid, the Department of Education said to contact the State Department, who said they do not deal with XXXX XXXX, and only oversee XXXX business. XXXX redirected me to DOE. 

Two years of payment history have been lost between the XXXX/Firstmark transition XXXX my loan is basically at the same balance I started with. The loan was initially taken to settle a balance, that existed for not providing a W2. The DOE has had my social security number and work history since XXXX and has access to financial records. I have been financially harmed by this process and would like to dispute the validity of this outstanding balance.
Product: Credit card or prepaid card

About 3 years ago a credit card with Capital One was opened and used in my name with my demographics without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy. 


15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I am co-owner of a vehicle that I did a voluntary repossession on. The other owner is currently incarcerated. I was told by more than one agent at the finance company that I could do a voluntary repossession. The finance company took possession of the vehicle on XX/XX/21. The day before the car was to go up for auction ( XX/XX/21 ) the finance company released the vehicle to someone other than myself or the other owner. They will not tell me who the vehicle was released to and They are still holding me responsible for this loan.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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

Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017
Product: Debt collection

Hospital XXXX and doctor care. This been take care by my insurance company therefore they need to stop call me late at night and harass me about this outstanding bill therefore it need to be removed off my credit report immediately and permanent
Product: Debt collection

1. They sent me collection notice ( XX/XX/XXXX ) 2. I responded with a request for info to verify the debt as I do not believe I owe it. ( XX/XX/XXXX ) 3. They did not provide me the info and continue to reach out to collect. ( XXXX, XX/XX/XXXX )
Product: Debt collection

Genesis Debt collection agency is attempting to collect a debt that is not mine. Ive filed a police report and disputed the identity fraud. XXXX XXXX then photoshopped an ID, sent it to someone who they believed were representing me, & then blamed the photoshop on me and notified me they were telling the police. 

If I am contacted back via email, I can forward that email with the photoshopped ID to you all.
Product: Payday loan, title loan, or personal loan

To Whom This May Concern, according to Bank of america, XXXX has denied my forgiveness based on BOA XXXX provided however i am unable to speak with the XXXX myself. This is going to be an ongoing fight until full resolution, what they are doing and did is Criminal, and there is a class action law suit against the bank about my very complaint XXXX LOAN # XXXX please see attached docs, previously provided to BOA upon application, Please let the XXXX KNOW THIS!!!!! According to BOA I'm being denied as I imputed XXXX XXXX payments into my totals, which I did as that's what it asked for in the BOA APPLICATION!! Regardless, I disbursed the XXXX XXXX XXXX  funds per XXXX Guidelines, only paying XXXX employees, hiring new employees and paying from a separate account, all rules from XXXX which we followed 100 %. Please note that the attached documents are all I have regarding XXXX for 2019, I was on payroll the last week of 2019. That's why when I applied as a new business, I did XXXX XXXX payments as detailed in the application, BUT did not pay out XXXX payments with the XXXX Funds!!! I see that BOA is having this exact issue with many clients who are trying to abide by the XXXX rules, i was advised by a BOA rep that I'm not alone. This is poor service form BOA, i am researching and finding lawsuits with the bank over this and fully intend to pursue as well if this isn't 100 % forgiven based on XXXX  payout rules, i did everything i was asked for, and complied 100 %, everything that Bank Of America asked for prior to them approving my loan, i provided and what i didnt provide, i submitted a full Explanation. Bank of america fraudulently approved loans at a rapid rate, received payment for their loan approvals and didn't care the destruction it implied to small business, i can not sustain a {$2400.00} payment that i shouldn't be paying back, that was the purpose of this loan, to help small business in need, not cripple them i appreciate this entire message making it to the XXXX and Prefer Communication with The XXXX, i would like to hear and reply to the XXXX, not through the BOA hands thank you, Angered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remodelers
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following account appears on my Equifax credit report, XXXX XXXX XXXX, with original creditor of XXXX XXXX XXXX XXXX. The account number is listed as # # # # # XXXX. It is listed as medical or health care. The state of California has a statue of limitations of four years for this type of debt. 
Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. A statute of limitations is the amount of time you have to take legal action. In the case of debt, it refers to how long a creditor has before it can ask a court to force you to pay debt. If you can prove a debt has passed its statute of limitations, you are not responsible for paying it. For this reason I ask that Equifax remove this collection account from my report. This accounts date of first delinquency was XXXX, XXXX, XXXX and it was assigned to collections on XX/XX/XXXX of XXXX. Therefore it is past the four years no matter how you do the math.
Product: Debt collection

My husband received a call stating that me, his wife owed a debt to Synchrony Bank in the amount of {$780.00} and that they came out yesterday to hand my some legal documents. I stated that was impossible as me and my husband was home all day and no one came to the door serving and legal documents. I asked what store was this with on behalf of Synchrony Bank and they stated they could not give me this information to protect them. I asked when was the account opened, but they did not have this information and told me it was closed in XXXX  I stated that why is not showing on my credit report for collections and why would Synchrony issue me more credit after that date/year and that it didn't make sense. I stated that I had to verify the debt before anything and we ended the call. I am very aware of my credit and try to keep it up to the best of my ability and I feel that they are lying about coming to my house to serve papers or whatever and this debt is probably extremely old. The stated that they work for XXXX XXXX XXXX which is a law office. The number give to me to contact was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this collection debt multiple time through XXXX XXXX and also Experian. My latest dispute was with Experian X/2017 regarding a XXXX dollar amount debt. Each time it has came back verified without the proper proof of verification. XXXX XXXX has also failed to send me requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I legally changed my name which was effective XX/XX/2019. I changed it from XXXX XXXX XXXX to XXXX XXXX XXXX 2. XX/XX/2019, my husband and I tried to apply for a mortgage, but there was a refusal on the behalf of Equifax because of the name change. 
3. I contacted them and they requested a copy of the legal order, new social security card, and driver 's license to be faxed to them. Since we do not have a fax machine, our mortgage officer faxed the documents to them on XX/XX/2019. 
4. These documents were obviously received because they started an action on their end is that they used my oldest daughter 's, XXXX XXXX, credit information and attempted to change her name to XXXX XXXX XXXX. Thankfully the only thing they changed was her address to my address. This disturbs me because at no time was XXXXXXXX XXXX social security number or information given to them and her credit file should never have been accessed or changed. 
5. I called them on the mistake and they are saying now that they never received the documents, which I told them was a lie because they initiated an erroneous action. My name has yet to be changed on my credit report and obviously, I am a little hesitant to fax them my social security card and driver 's license again because that is sensitive information that they mishandled everything and lost the first set it seems after they made the errors.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that XXXX  are not hindering records when I sent a copy of the FTC XXXX. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful  response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of XXXX, I will hand XXXX XXXX over to my lawyer to begin a legitimate activity. It's XXXX  goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX the account that I have marked as inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXXt XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX In accordance with the fair Credit Reporting act 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. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are in violation of 15 U.S. Code 6801 - 6805 and 16 CFR 313.2. 

XXXX, XXXX and EXPERIAN : XXXX XXXX XXXX XXXX XXXX : XXXX Status charge off- When a debt is sold off to a third party debt collector or it is considered charged off that is now considered a certificate of indebtedness. A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status charge off- A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Status CLOSED : why is this account still reporting on my credit report. account is set in CLOSED Status yet I'm still getting notifications that its still reporting account is also in collection status. no third party collection agency has my written, verbal or physical consent to furnish information on my credit report XXXX XXXX XXXX : XXXX Status ( Account Paid in Full, was a Repossession ) - This is incorrect account was paid in full and paid as agreed was not a repossession. All payment dates should reflect account being paid in full. otherwise remove the account because it is negatively affecting my credit score Inquiries : There's a total of 50+ inquiries on my credit report per 15 U.S. Code 1681b Permissible purposes of consumer reports.

Unauthorized Inquiries : If any of those inquiries were made without my consent or for reasons not permitted by law, that could be a violation of my rights. I should have been informed and agreed to any hard inquiries.

Impact on My Credit Score : While multiple inquiries for the same type of credit, like a mortgage or auto loan, are often treated as a single inquiry, having excessive hard inquiries can negatively affect my credit score. This could make it harder for me to secure loans or get favorable interest rates.

Potential for Fraud : A high number of inquiries could indicate fraudulent activity. If I see inquiries that I didnt authorize, it might suggest that someone is using my information without my knowledge.

Right to Dispute : I have the right to dispute inaccurate information on my credit report. If I believe there are inquiries that shouldnt be there, I can request a correction through the credit reporting agency.

Dates on these accounts are not aligned, payments not aligned, status not aligned. please remove all inquiries and account furnished above on my credit report. It is expected of you ( EXPERIAN, XXXX, XXXX ) to act in good faith and show proof of said claims that you are in violation of. 

Phone Numbers : None of these phone numbers are mine my only phone number is XXXX. All others below are incorrect and inaccurate. Please delete all of them except for the one provided. 

( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Without prejudice XXXX, XXXX
Product: Credit card or prepaid card

By looking at MyFICO the status of my Military star card on XX/XX/2019 it was sent to a collection account for the amount of {$610.00}. I had never got an email, phone call, or a bill sent in the mail to me, without receiving anything I didn't have the information I needed of where to send a payment to. I had never got a call until the collection company contacted me. When I got the call from them about this account, I paid it in full. I had asked them if since I never got anything about this account if there was a way we could remove it from my report, they said no they weren't able to remove it all they could do was put it as paid. We are trying to get a home loan and this on my report is hindering my chance of getting approved.
Product: Mortgage

XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.