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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 USB XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 card or prepaid card

Back on XX/XX/2008, I took a cash advance  on my Shell credit card in the amount of {$1400.00} for car repairs. Wondering why I was still paying on a transaction made over 13 years ago, I called Shell for an explanation. They told me that none of the payments I've made since then ever went towards this cash advance  but instead went for current transactions. That means I've been racking up interest on the XXXXash advance as well as having my available credit affected for over 13 years! I was told that I couldn't designate that part of my payment go towards this cash advance so they'll continue applying interest and the only way to stop it is to pay the full amount ( plus interest of course ) of the cash advance. I wasn't aware of these terms when I made the cash advance and never knew about this policy until I recently called them. It seems to me a very underhanded way for Shell to make more money through interest and am wondering if this is even legal!
Product: Checking or savings account

On XX/XX/year> I made a mobile deposit into my account with PNC Bank in the amount of {$500.00}. This brought my balance in the account to {$450.00}. 
Over the next 7 day period several transaction came out of my account. 
Mobile payment {$52.00}, Car Insurance Payment {$340.00}, and Rental Insurance Payment {$44.00}. My balance after these transactions posted was {$13.00}. 
A utility payment for {$13.00} came out of the account on XX/XX/XXXX also, bring the end of day balance to {$0.00}. 
On XX/XX/year> I was charged an overdraft item fee of {$36.00}. Making the balance in my account- {$35.00}. 
I called the local PNC branch the following Tuesday, XX/XX/year> to ask about the fee and what transaction caused it. 
The representative tried to refund my fee, but said her system declined the refund. And she explained the fee was cause by the utility transaction of {$13.00}. 
I asked about my account balance being {$0.00} and therefore not overdrawn. 
The representative said the fee was due to a returned item from the utility company seven days prior. I additional information since I didn't understand how the return item would effect an overdraft 7 days later and I didn't think that was possible per Reg. E. 
She said she could escalate my issue. I have yet to receive additional information from PNC regarding this matter. My account is still at a negative balance and I am afraid I am be unrightfully charged.
Product: Credit reporting or other personal consumer reports

Experian still reporting incorrect information, after disputing the same errors. They refuse to remove. 
SEE ALL PREVIOUS COMPLAINTS SUBMITTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXX XXXX  Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : Premier XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Debt collection

On/aboutXX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of Pendrick Capital partners ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against TransUnion for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against TransUnion for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. 

Despite my repeated requests for investigation and correction, TransUnions responses have been inadequate and dismissive. Recently, I received a letter stating that the information I disputed was not currently on my TransUnion credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. 

Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given TransUnion 's repeated failures to address my disputes appropriately, I believe they may be in violation of this statute.

Furthermore, I am concerned that TransUnion is following a pattern similar to that of XXXX and XXXX, both of which have faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under 15 U.S.C. 1681. 

TransUnion 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and XXXX, raising concerns about systemic issues within the credit reporting industry. 

I respectfully request that the CFPB take action against TransUnion for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information. 

Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint. 

Sincerely,
Product: Student loan

Hello, This is my second complaint for this issue and I am not satisfied with the orignal response. 

I have my loans with EdFinancial. In XXXX XX/XX/year> I logged into my account and my total was XXXX less. I previously stated that it looked like maybe I was given forgiveness but I truly dont know why I had $ XXXX removed. 

I feel EdFinancial did not do it due diligence in investigating this issue. 

When I logged back into my account in XX/XX/year>, My account total went back up by ~ $ XXXX and I had not taken out any new loans because I have been out of school for many years now. 

The $ XXXX was even reduced from my credit report and the READDED lowering my overall credit score. 

There has been a mismanagement of my account and I dont understand how $ XXXX can just appear and disappear.
Product: Credit reporting or other personal consumer reports

Nothing happened for about two weeks and I finally got someone on the phone and explained my reasoning for calling and he for sure me that he was making changes as we speak on the phone right now. And a year later I still see the same thing still on my credit report.
Product: Credit reporting

i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this correspondence IS NOT A Dispute, rather a demand to remove the inaccurate information being furnished on my consumer report ( s ). This notice is being sent in reference to the charge-off account ( s ) which you claim are in derogatory condition and are unlawfully reporting. 

Pursuant to the IRS publication XXXX, it is unlawful to furnish income on a consumer report. According to the IRS, a charge-off is defined as income and you must file a XXXX You are in violation of the law by furnishing income on my consumer report. A charge-off can not be considered both income and debt. Remove this information from my consumer report ( XXXX ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 XXXX5 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 an account without my written instructions.
Product: Credit card

MY CREDIT CARDS WITH CAPITAL ARE RESTRICTED DO TO NO PAYMENTS MADE, I HAVE NOW PAID THEM CURRENT OR PAID THEM TO XXXX AND THEY REMAIN RESTRICTED. AND THEY DO NOT WANT TO TELL ME HOW I CAN GET THEM RESTRICTED OR IF THEY WILL CLOSE, ALL THEY SAY IS THAT THE SYSTEM WILL DETERMINE WHAT WILL HAPPEN TO THE CARDS. I DONT WANT TO CLOSE THEM SINCE IT WILL DAMAGE MY CREDIT MORE THEN IT ALREADY IS, I MADE THE DRASTIC PAYMENT AMOUNTS SO THAT I CAN USE THEM TO HELP ME REBUILD MY CREDIT. BUT IF THEY ARE GOING TO CLOSE THEM, THEN THEY SHOULD DISCLOSE THAT NOW SO I CAN DETERMINE WHAT I NEED TO DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX  XXXX, XX/XX/2020, XXXX  XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

Recovery Solutions Group has harassed, threatened and tried to intimidate me for filing a civil suit against their company for violating the law. This has caused me anxiety and emotional distress. XXXX XXXX has also illegal given my number out to his employees to intimidate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and i dont have any business relationship with the creditor
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 sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt or credit management

To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintained by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate ] These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligated to conduct a reasonable and thorough investigation into these disputes. 

It is particularly troubling that XXXX is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations into consumer disputes. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts. 
2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

I have attached relevant documentation to support my claims, including [ list enclosed documents, such as copies of your credit report, prior correspondence, or account statements ]. 

Please be advised that failure to comply with these requirements will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 
I expect a written response to this dispute within the statutory 30-day periods
Product: Credit card or prepaid card

I called Capital One to determine if there were any promotions. Was advised of an offer for 0 % APR for 12 months. Called twice to clarify. Got charged interest rate anyway. I provided them with dates and time of calls and they investigated. Informed me that there was no error on Capital One 's part. Asked them if I could listen to the recorded call. As was expected, this was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my  money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.
Product: Checking or savings account

I am writing to file a formal complaint against Comerica Bank regarding their unfair overdraft fees and delayed transaction processing, which I believe constitute deceptive and harmful practices. 

On XX/XX/24 I discovered that my Comerica account was subjected to XXXX overdraft fees, despite making a deposit to cover the negative balance promptly. This action is egregious and unjustifiable, as it penalizes responsible account holders who take proactive steps to address financial discrepancies. Moreover, waking up to find unexpected charges only added insult to injury. 

Furthermore, I experienced a significant delay in the processing of a withdrawal/debit card purchase made on Friday, which was inexplicably held until Tuesday. This delay not only inconvenienced me but also raises questions about Comerica 's transparency and commitment to providing timely and efficient banking services. 

I urge the Consumer Financial Protection Bureau to investigate these unfair practices and take appropriate action to hold Comerica accountable. Additionally, I request a thorough review of Comerica 's policies regarding overdraft fees and transaction processing to ensure that they align with consumer protection standards and promote fairness and transparency. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and protect the rights of consumers
Product: Credit reporting or other personal consumer reports

I am writing to dispute the XXXX listed on my credit report. I have a letter from the court confirming that this XXXX should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed XXXX finance account with Equifax, asserting that the information being reported was inaccurate as it is not my account. Despite my request, Equifax failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and failed to ensure that the information reported on my credit file was accurate as required by 15 U.S.C. 1681e ( b ).

Applicable Legal Standards Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed items within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681c ( a ) ( 5 ) : If disputed information can not be verified, it must be removed from the consumers credit file promptly. 

Equifaxs Violation Equifaxs failure to adequately verify the XXXX account violates these provisions of the FCRA. Despite my dispute, Equifax has continued to report the INACCUARATE information, which suggests that no reasonable investigation was conducted. This failure to act in accordance with the law is unacceptable. 
The presence of this inaccurate information on my credit report has caused significant harm to my financial stability and personal life, including : Adverse credit decisions : Denials or higher interest rates for loans, credit cards, and other financial opportunities. 
Emotional distress : Stress, anxiety, and a loss of trust in credit reporting systems. 
Financial harm : Missed opportunities for lower interest rates on financial products, which has unnecessarily increased my financial burden. I have attached my license, my ID, a bill, my police report AND my identity theft report
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX -- {$18000.00} XXXX XXXX XXXX XXXX -- {$10000.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX
Product: Mortgage

I went into Covid related deferral with Umpqua Bank. They are now reporting that my mortgage balance went up by XXXX for a six month deferral. I was under the impression that a deferral postpones payments until the maturity of the loan. When in fact it is interest only put on the end of the loan. My total balance went from XXXX to XXXX and hit my credit for 20 point loss.