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

" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( TransUnion ) ( XXXX ) ( XXXX ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives! 

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10. 

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!
Product: Checking or savings account

I am writing to express my frustration with Truist bank. I have been banking with this company for a while & have been treated unfairly. I contacted Truist on about fraudulent charge on my account dated XXXX in the amount of {$240.00}. The charge is associated with parking boot removal fee. 

I would like to provide context for this dispute. On XXXX I parked my vehicle in a valid parking lot, which I believed to be a legitimate parking lot associated with XXXX XXXX. However, upon returning to my vehicle, I discovered that it had been booted, and I was required to pay a fee of {$240.00} to have the boot removed. 

Upon further investigation, I discovered that the company responsible for booting my vehicle is not a legitimate business operating within the city of XXXX. There were no no parking signs or subject to tow or boot notices in the parking lot, leading me to believe that my vehicle was parked legally. 

I did not receive any documentation or receipt from the company responsible for booting my vehicle, making it impossible for me to contact them to dispute the charge directly. I am unable to contact this company due to no information, I have expressed that to many different representatives that I have spoke with over the phone and have not gotten a resolution. I have been told oh well, you need to contact the merchant which I have advise they are not a real company. I even tried to dispute the charge on XXXX my account via the app. 

Once the dispute result were completed, I called to get an explanation why my account was not credited and spoke with a supervisor by the name of XXXX, who advised me this is fact was fraud and was going to be re opening my case. 

I attempted to call again on XXXX spoke with a supervisor who was very transactional & would not assist. 

I am requesting that the fraudulent charge of {$240.00} to be reversed and credited back to my account. 


Truist has been NO HELP with me getting my refund back. I have been giving the boot and pretty much an oh well, sorry not sorry
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, XXXX and Experian regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On [ XXXX XXXX ], I notified [ XXXX XXXX  ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX, XXXX and Experian has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, XXXX and Experian complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXX, XXXX and Experian
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card or prepaid card

I purchased a {$100.00} prepaid card that is issued by US Bank ( card # : XXXX ). This card has a inactivity fee of {$2.00} per month. 

I had tried to use it on and off several times ( few times online, few times in store as a debit card ). I tried to use it as recently as XX/XX/XXXX and it was declined and another inactivity fee was charged on XX/XX/XXXX. Finally, I was able to use it. However, there was a {$16.00} fee charged so far. 

I was under the impression that if I tried to use the card and it did not go through, I would not be charged a inactivity fee because it was not my fault that the transaction could not go through. However, I have been charged {$16.00} in fee. I tried to contact their customer service in order to get the fee waived, but they would not agree to it.

I believe it is not fair to charge fee for inactivity when I tried to use the card and was under tthe impression that it would have considered active if I tried to use irrespective of whether the transaction was successful or not.
Product: Debt collection

Requested original contract between myself and the company. No compliance from company.
Product: Debt collection

This company pulled my credit before ever contacting me, I learned about there attempt to collect via credit monitoring service. I have requested documents to confirm debt both by phone and certified mail. They have continued to call without providing proof of debt. They have also called family members related to debt.
Product: Credit card

XX/XX/XXXX, I realized my credit card autopay was not going through. I called Bank of America ( further referred to as BOA ), they did not know how it was turned off. I asked them to turn it back on and they confirmed it was. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took out my autopay twice in error. They said they would refund one of the payments to my original payment method, my XXXX XXXX XXXX XXXX checking account ( I will refer to them as XXXX ). They confirmed the routing & account #. They confirmed I only had one autopay on my account. They did not know why the payment went out twice, but it would not happen again. 

In error, they refunded it to my Mothers BOA checking account ( I am a signer as she is elderly ). I had told several times that was NOT my account, do not refund the money there. Now they told me they could not reverse it or refund my money, that I would have to initiate an ACH Transfer between banks. I couldn't do this because I do not have a debit card with BOA, after many phone calls to BOA, I had to have my mother do the transfer. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA again took put my autopay twice in error. They sent me a check for the refund. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took double autopay out in error ( {$3500.00} ). They said they could not send me a check. They said they would refund the money to my XXXX checking account. 

XX/XX/XXXX BOA charged my BOA credit card an additional {$3500.00} ( amount they had meant to refund me ). Now they owe me twice for that amount. I spoke to them XX/XX/XXXX and the employee told me several times they did NOT owe me twice. Finally, they said, oh, youre right we do. Well refund that to you. I said I needed it to be a check since there had been so many errors. He told me to hold, then hung up on me. 

I still have no gotten my money. These errors have exceeded {$17000.00}. I have spent probably 6 hours on the phone trying to work it out. Concerned Ill never get my money. They currently owe me {$7100.00}.
Product: Student loan

I am being endlessly harassed by the current owner of my three outstanding private student loans, Weltman, Weinberg and Reis Co. They call me at least 6 times every day and have recently started calling for me at my new employer. Just last week they left a voice mail message in the general mail box regarding my outstanding debt that I owe. I have tried to negotiate with them and offered to enter into a payment plan but they have ignored me and bullied me and are trying to pressure and intimidate me into paying them money that I do not have. I have other federal student loans and they have been easy to work with and I have gone into payment plans on those loans when I ran into hardship. These three loans currently with Weltman and Weinberg I paid on for nearly 7 years until I was laid off from my job. I went to XXXX University and was in a 5 year XXXX XXXX program. The loans in question were taken out in XXXX, XXXX and XXXX. The verbiage stated that I would not have to begin paying on these loans until I graduated and was working, but since it was a 5 year program the original lender ( XXXX XXXX  XXXX XXXX XXXX ) began sending bills while in my last year of collegethe monthly payment was {$540.00} per month. I paid this as agreed from XXXX to XXXX until I was laid off from my job after nearly 10 years in that field. I could not keep up with the payments and contacted XXXX XXXX XXXX XXXX XXXX to ask for help or some type of reduced payment plan or forbearance but they refused. As soon as I defaulted they transferred the debt to XXXX. I still faced the same issues and was not able to make any payments to XXXX. I then began the licensing process with the XXXX to become a licensed loan XXXX and as part of the process I need to be in repayment plans on any debts. Once again I contacted XXXX and asked them if they would work with me on some type of payment plan. They refused and a week later my loan was transferred to Weltman and Weinberg. As soon as I got the paperwork from Weltman and Weinberg I contacted them to see if they would work with me and once again ran into a brick wall. They refused to enter into a repayment plan or allow me to make lower payments and told me pay them {$600.00} a month or they would come after me. I am back working but not making as much money and still going through the licensing process. I will get back on my feet soon, but this company is not making it any easier with their constant harassment. Additionally, they have caused me a great deal of embarrassment by calling me at work and leaving general voicemail messages that many of the employees could hear. I believe this company is violating the Fair Debt Collection Practices Act. I am also concerned because I looked up the law firm name Weltman, Weinberg & Reis CoXXXX LPA and they are not licensed in California XXXX yet they are sending out letters to me, a California resident on their letterhead. I believe this is also a violation.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " XXXX XXXX XXXX XXXX XXXXXXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, XXXX XXXX  arising from XXXX  XXXX, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXXXXXX BALANCE {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. Despite multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Mortgage

My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments..
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX, GA 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 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 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

Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.
Product: Credit reporting or other personal consumer reports

My social security number was released during a data breach and goes against and is a violation of rights to privacy under 15 US code 1681 which states Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS! 

DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}