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

I addressed the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. XXXX, XXXX, and XXXX  have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. Regarding the removal of student loan information on the credit report, it's imperative to note that The Family Educational Rights and Privacy Act ( FERPA ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts from appearing on my Equifax Credit Report that are reporting incorrectly. The accounts were deleted from my report initially upon filing a dispute, but the 4 tradelines have been reinserted without proper notice from the creditor or the bureau that is legally required. This is a clear FCRA violation of section 611 ( a ) ( 5 ) ( B ). I have also requested method of verification from the bureau to which no response was received in the legally allotted 15 day timeline. If this is not resolved, I will pursue litigation. I have confirmation of receipt and copies of all original communications with this bureau.
Product: Checking or savings account

On XX/XX/2020, my mobile number was deleted from my Chase account. My account was closed and no one told me why. Then, I received a paper bank statement saying that the rest of the money in my checking account will be sent as a check to my mail address. The check charge is {$2600.00}. I called Chase and they said the check will be sent out in two weeks. I waited but I never received the check. Then Chase told me there was an investigation going on in my account without any further details. It has been almost 6 months and my money just seems indefinitely froze by Chase Bank. I called them multiple times they just said the funds are not approved to be released.
Product: Payday loan, title loan, or personal loan

I requested a loan from XXXX XXXX XXXX in XX/XX/XXXX and was approved for {$300.00} on the XXXX of the month. Every two weeks {$100.00} was taken out of my account and I was notified a couple days before every withdrawal, but when I tried to contact the company and access my account on their website to keep track of the withdrawals and the payment schedule I was denied access. I finally got through to a customer service rep weeks later and told them my problem. They set up the prompt for me to access the account and told me my ridiculously high interest rate. I was then able to see all of the scheduled payments all the way to XXXX of XXXX. I called back the rep and I had a lengthy discussion about why are all of these payments scheduled to be withdrawn. She told me the payments are to cover the interest i agreed to went I took the loan. I told her I was unaware of this and would n't have agreed to this if I knew, especially since the loan was for such a small amount. She told me I could pay off my loan at anytime, by paying twice what I borrowed. I do n't think this is fair and I 'd love for someone to look into what can be done for people like me who are being preyed upon in their time of need. I wanted a loan to assist with my car 's engine issue which is already {$4000.00} and for me to get {$300.00} and have to pay back almost {$2000.00} plus, that I did n't even borrow should be considered a crime. Please help me!!!
Product: Debt collection

Amsher Collection Services for amount of {$1400.00}. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Macy/CBNA I the consumer recently checked my consumer report and noticed you are currently furnishing inaccurate information on my consumer report. The account mentioned in this notice is being reported as a charged off and charge offs/canceled debts are considered income according to irs publication 4681. Canceled debts and/charge offs are income and by law the only thing permitted to be furnished on the consumer report is debt. As a furnisher of my consumer report you have a duty to furnish accurate information under 15 USC 1681s-2. Failure to delete this charge is a direct violation of the law and continuance of furnishing this false and inaccurate on my consumer report after this notice will constitute immediate default in accordance with rule 55 of civil procedure. I also want the account to be updated to paid in full/paid as agreed since a 1099 C was filed on this account and I the consumer never received my copy.
Product: Credit reporting or other personal consumer reports

There is an incorrect statement of a delinquency. Payments have been in auto payment mode since the start of the lease.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.
Product: Vehicle loan or lease

This is in continuation to the complaint ID XXXX XXXXXXXX. After I filed complaint in XXXX, company ( Hyundai Motors USA ) contacted me and assured that the corrected credit report will be sent to all credit reporting agencies and my credit score will be fixed but recently my mortgage lender informed that my credit score still low ( which only happened so low in my lifetime due to incorrect reporting by Hyundai Motors ). I don't want suffer anymore due to Hyundai Motor 's fault and request CFPB 's intervention to make it a case study and make sure no one in future should suffer like me by big automobile companies in the country. I understand that my suffering is nothing for them even if it is due to their ( Hyundai Motors ) fault but this will be a wrong signal to the consumer at large.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My issues revolves around proper payment processing with Citizens Bank out of XXXX In XX/XX/2022 I made 2 in full monthly payments, then another in early XXXX My goal was to stay one month ahead on my payments. Citizens took my second XXXX payment and applied it was " principle only '' payment. Yet, they did not apply 100 % of that payment to principle, thus taking out interest. I called in XXXX and questioned it and was told that due to their payment processing system, they can not accept full payments in advance. They offered to reply my second XXXX payment for XXXX and then took my XXXX payment as " principle only '' and took off Interest while applying. Then they applied my XXXX to XXXX, which should have been XXXX XXXX payment. And then on XXXX, i get an invoice due in XXXX XXXX?? I am literally fighting with them for prepaying a full payment amount. How does a Bank get away with taking interest out of a " principle only '' payment? If they they applied 100 % to principle, I get it, but when they take interest out, it is the definition of a monthly payment. And how can a Bank not accept full payments to pay the account ahead, especially in such uncertain economic times as today? Again, all i am trying to do is responsibly pay my account ahead. All full payments are accounted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I made a dispute No. XXXX to Capital one for a transaction made on XX/XX/XXXX for a Hotel Reservation refund in the amount of $ XXXXCapital One denied the dispute and close the dispute. I made Hotel Reservations with XXXX  XXXX XXXX XXXX for a Hotel Reservation in XXXX, XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX. Due to Covid- 19 all traveling was banned. I reserved with the right to cancel at anytime. I cancelled on XX/XX/XXXX. XXXX offered me a voucher for future use which I did not accept it, and I asked for a cash refund to my credit card. It has been 130 days since I requested the refund without success. Eventhough,  XXXX sent me an email on XXXX XXXX stating they were going to process the refund and it was taking a minimun of 60 days to process the refund, I have not received a refund. I made a dispute with my card issuer-CApital One and sent all the documents that proof the purchase, the cancellation and the conversation with the merchant, but Capital One is not accepting all of this proof and stating that I did not comply with their request to send a refund voucher IF I have one from XXXX. How am I going to have a refund voucher if I am not even able to contact this merchant by phone, by messages, or by email anymore. XXXX  has not even processed the refund after 130 days of my request. CApital One is not protecting me as a consumer for a merchant that it is clearly unscrupulous. Capital One states that XXXX is making a suitable alternative by providing me with a voucher for future use. It is my understanding that Visa Guidance to card issuer states that a merchant should process a refund promptly if the cardholder declines to accept a voucher for future use. I can't contact the merchant. I am not getting help from Capital One which it is my understanding is as LIABLE as the merchant for a service not provide and a refund not even process. According to my Cardholder 's Agreement with Capital One I have the right to an Arbitration Claim, but they are simply  finding all kind of excuses to end this dispute as soon as it is possible. I clearly sent to Capital One the writing conversation with the XXXX 's representative IMPLYING that they were going to process my refund. Capital One should accept this statement as a proof of acceptance from XXXX to make a refund. I made a complaint with Capital One but XXXX ( Supervisor ) stated that even filing the complaint, Capital One was not going to do anything else. It is my right as a Capital One/VISA cardholder to be protected under the Consumer Protection Act of 1986.
Product: Credit reporting or other personal consumer reports

I requested Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the file of the accounts listed on my credit report per FCRA guidelines.
Product: Money transfer, virtual currency, or money service

Trying to transfer funds from my XXXX account to my PNC account via ACH. PNC seems to be blocking this.
Product: Student loan

I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time. 

Also, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe. 

Keep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT. 

Either way, these amounts are grossly wrong. 

When I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see. 

I need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately. 

As I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years. 

I'd like for ... Navient Student Loan Services to ...

1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now. 

Keep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports. 

Please read the above details for more clarity.
Product: Mortgage

XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help
Product: Mortgage

I have had problems with Ditech Mortage charging bogus fees, making false statements about my agreeing to have payments taken from my bank account, we have met our payoff but the bogus fees that have been added have me owing thousands more than I should owe Ditech did not and still refuse to send a payoff letter in writing to me. I should have received this letter in XX/XX/XXXX I did get a bill for {$3600.00} in XX/XX/XXXX.When I inquired about it I was told my loan matured in XX/XX/XXXXI was not made aware of this until XX/XX/XXXX. By that time enormous fees and interest charges had already been added.I did have a Deferral of {$730.00}. I have paid XXXX since XX/XX/XXXX. claim they have return check for XXXX on XX/XX/XXXX all payments are paid though XXXX  not the bank
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$390.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting. States i have the right to privacy.

and these thing are wrong on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.