23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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

I see that XXXX, XXXX, and Experian are reporting some Inquiries on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint and Dispute Against XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint and dispute against XXXX XXXX XXXX for their violations of federal consumer protection laws XXXX The agency has infringed upon my consumer rights in several ways, as outlined below : XXXX. Failure to Provide Validation Information : XXXX XXXX XXXX has failed to provide the necessary validation information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests, they have not furnished any documentation to substantiate the debt they claim I owe. This lack of validation is a clear violation of my rights as a consumer. 
XXXX. Reporting to Consumer Reporting Agencies : Despite their failure to validate the alleged debt, XXXX XXXX XXXX has unlawfully placed a collection account on my consumer report. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they are prohibited from furnishing any account information to a consumer reporting agency without first providing all required disclosures and validation. This action has adversely affected my credit score and financial standing. 
XXXX. Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not informed me of my right to dispute the debt within the specified period, further violating my rights under federal law. 
XXXX. Use of Deceptive Practices : XXXX XXXX XXXX has employed false, misleading, and deceptive means to collect the alleged debt. Their actions constitute a clear violation of consumer protection laws and have caused me undue stress and inconvenience. 
Given these violations, I hereby dispute owing any debts to XXXX XXXX XXXX. Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request that they provide the following documentation within 30 days : * Debt validation and verification of the alleged debt. 
* The purchase agreement between XXXX XXXX XXXX and the original creditor. 
* Proof of XXXX XXXX XXXX 's licensure and bonding status. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal laws. Additionally, I ask for the immediate removal of the collection account from my consumer report and any other appropriate remedies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My account was purposely made overdraft. In order for my institution Navy Federal to charge my account set fees. Due to exceedingly long processing of transactions when involving other institution when paying bills I have received numerous late fees and overdraft fees due to this from of process. I believe that I have been dealing with this issue for as far as I can remember to be since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1692, Experian, XXXX, XXXX  and XXXX has been misusing my personal credit information without my consent. I have not signed a contract with neither of these agencies nor have I verbally given permission via phone to allow my records to be released to the public. They are all displaying false information on my report that they are not authorized by LAW to do such. They have deleted certain items and come back and replaced old addresses and accounts that I have disputed indicating that I have no knowledge of or belong to someone else with similar names.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

It was around beginning of XX/XX/XXXX when I realized I could no longer access my account online, and a few days later received a letter saying that Citibank has closed my account ( for reasons unknown? ) and therefore my card has been disabled and I no longer have access to my account. I asked about the funds remaining in the account ( XXXX roughly ) and they said that they would be issuing a check after 60 days. They told me to call back after XX/XX/XXXX to confirm this. After waiting and not seeing or hearing anything about my balance I called back on XXXX they told me that they didnt have any information on my account and I needed to call them back next week as some of the department wasnt in the office. I even went in to a physical branch location and they said they could not help me and that I had to call the number on the back of my card. I have tried several more calls and just getting the runaround, no one can tell me anything and as my last call 2 weeks ago they said wait you will be receiving a letter from us regarding the status but as of today theres been no letter from them and still no one can tell me what happened with my balance and how I can get my money back. Please help me sort this thing out ASAP Im at my wits end with this issue as I really need my money back Im not a rich person and that money I was relying upon for bills etc. please let me know what else you need from me to resolve the problem with this checking account that was closed by Citibank and will not give me my money that was remaining in the account.
Product: Credit card or prepaid card

This is a follow up to a previous submission with respect to Spirit Airlines. The CFPB falsely stated that they contacted me for more information. I never received any request from the CFPB for more information. I do not know what information could possibly be needed since no one contacted me about anything. I think CFPB is political ly charged and investigates claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no investigation occurred. For the record, spirit cancelled my flight and left me stranded in XXXX for 7 days. Spirit never offered or provided any travel voucher or other means of compensation for the matter. The original issue follows to which you alleged a request of information which you did not or at least I never received such request. 

The problem here is with Spirit Airlines which is required to comply with XXXX rules as far as transactions go and FAA rules with the handling and processing of significant delays and carrier cancellations. Spirit Airlines complies with neither. Take for example three confirmation codes as follows : XXXX, XXXX, XXXX. What spirit does which not only skirts the said rules/statutes, it, also, improperly and via irreparable harm places a hold on funds for several days ( in some cases up to 3 business days ) thereby preventing the use of funds, since this is a debit card, not a credit card, and then after holding up the funds Spirit releases the hold and cancels the confirmation code associated with the attempted booking. Now, what is particularly important is that there is a link between Spirit Airlines and illegal monitoring of my internet data, since I I literally watching Spirit Airlines change and modify flight details like price in particular as I am actually walking through the steps to finalizing the booking. And all of this occurs very quickly usually in under a minute. So what we have here is almost like some sort of criminal intent whereas Spirit Airlines is trying to control or override my free my free will by creating impossible, irregular, unreasonable delays, and extraordinarily costs the intent or which is to interfere with my travel itinerary. Then they have the audacity, after trying to scam me, to try and XXXX me more by asking for more money I.e. modification and upcharge fees for their FAA non-compliance. This non-sense with Spirit Airlines is surreal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB Complaint # XXXX stated : It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX-XXXX XXXX # XXXX. Upon phoning XXXX XX/XX/XXXX ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX-XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to XXXX. 

On XXXX XXXX, XXXX Experian responded Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX Account XXXX. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 

Experian having been provided the following 1 of many XXXX records as related to XXXX contact from Mr. XXXX XXXX ( please note that Mr. XXXX had no authorization to act in the interest of XXXX XXXX XXXX, not contact from XXXX XXXX : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXXXXXX Good Afternoon : I received a call back from Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX re-confirmed its excitement in being a willing participant in the XXXX fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to delete the negative inquiries on my credit report, apparently, they did not investigate the issues. I have disputed certain items on my credit report that I did not do because my information is all over the internet, 52 times someone has tried fraud on my credit report. Different companies on the dark web have access to my credit file with all 3 credit bureaus. Equifax has refused to delete these items, I have a block/freeze on all 3 credit reports but Equifax refuses to delete these items. I have a right to privacy and Equifax is not following the law. They are allowing this fraud. There are { 4 } names of companies that the fraudsters used to get into my credit reports. XXXX, XXXX, XXXX, and XXXX are listed 4 times on the dark web. Equifax knows this but yet they still allowed these fraudsters to pull my credit. My name, my address, my social security number, and my siblings, their information are also there. 52 times my identity is exposed. my income, my birthday. This is not a fair resolution to my credit when Equifax allowed these fraudsters to pull my credit. They are not following the rules of CFPB. Nor the FDIC, this is not right. I have filed a police report to investigate this matter. I am a victim of identity theft this is why I had the block/freeze put on my credit reports. I contacted Eq
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. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$1900.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Product: Mortgage

Lakeview Mortgage Company transferred my mortgage to XXXX XXXX XXXX  for servicing. 

XXXX XXXX requires that I go to their website and enter all my information for their records. This is inconvenient and a waste of my time because they should automatically get the information from Lakeview. After all, XXXX XXXX purchased the serving contract because they expect to make a profit from the new business. 

It is unfair to have the consumer use his time to save XXXX XXXX and Lakeview money during the transfer process. 

It would be fair if XXXX XXXX or Lakeview gave a reasonable $ credit to the mortgagee.
Product: Mortgage

I purchased a home under the impression that an FHA Loan has certain criteria in regards to the condition of the home before they may lend money out on it. I was told that it would be the seller 's responsibility to bring the house " up to code '' before the mortgage company could release funding to me. I do not fully understand, personally, what all the codes are. I have the statement from the appraiser and the mortgage company saying that everything thing was fine, no repairs were needed, and that it was approved for the loan to go through. There is a great deal wrong with the house. It does n't seem to be up to code on anything. It was appraised too high, and no repairs were made. Someone had to commit some level of fraud for this deal to even go through. On the paperwork it is stated that the house is sold " as is '', but this is not a standard conventional loan- it is an FHA loan. It is my belief that no one inspected or appraised the house- I do n't think anyone even looked at it. They just signed papers and pushed the deal through. I am the victim of fraud. I am left dealing with termites, improper unsafe electrical hook ups, too low of a crawl space, plumbing, outdated and improperly installed septic, warped flooring, etc. What does " up to code '' mean exactly, and since this is an FHA loan, who is responsible for putting this loan through without so much as viewing or acknowledging the needed repairs? I signed to pay over XXXX dollars for a falling down house that probably is n't worth half that much. It is out in the country, XXXX sq. feet, it has an easement for a driveway, has a septic too old, too small, and literally XXXX feet from the house. The electric wires hang from a window near the kitchen and almost touches the ground, and the electric box just looks plain weird. A neighbor had some work done on his house and the electrician happened to notice my set up. He made the statement that if I ever had to have my power turned off, they would not turn it back on until I brought all the the wiring " up to code ''. You see, I am the consumer who trusted the professionals that said- everything was fine. My inspector was worthless- paid him XXXX, and he failed to discover the hoards of termites under the house. There is more, but first I need to know if anything can be done about this? What steps do I take to start the process? I have spent all my money on repairs- ie XXXX dollars to the termite guy, etc. I do n't have money, but I need help. How can anyone do this to someone? I have not missed a mortgage payment either! I do n't know if there is a staue of limitations or not, but XXXX XXXX, 2015 was our closing date. I am only just now contacting you because I did n't know until just a few days ago that there might be some help for a situation like mine. Still making payments- but I am definitely making payments to crooks. I have not contacted the mortgage company because they are the ones who lied, cheated me, and apparently committed fraud to begin with. How can I be expected to trust them? Please respond asap. I appreciate any help you can offer!