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

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the National Credit System. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Product: Mortgage

in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.
Product: Debt collection

I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Balance on my XXXX XXXX Credit Card was {$1000.00}. I decreased the balance to {$200.00}. That is a Decrease from 100 % to 20 %. I got an alert from experian of this change and my score dropped 5 Pints.. I contacted Experian and spoke with XXXX and she was not able to give me a reason that this happened.. This is a Big issue.. If my Balance on my credit card increases they drop my score now if I pay my balance down on my credit card they drop my score as well.. This just is n't correct and there needs to be some type of investigation into this credit bureau. 

There is something fishy going on for this to happen.
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. XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item of information, other than records or convictions or 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: Debt collection

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Product: Checking or savings account

On XX/XX/22 It was brought to my attention a withdrawal of {$3000.00} occurred on XX/XX/22 at a local Chase bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, CO at XXXX XXXX  MST  ). I am a recent victim of identity theft and an individual with my CO DL went into this branch*, physically walked to a teller counter, and withdrew money from my account. ( This individual has done the same at other branches/ banks that I am member, and I have them on camera ). They do not look like me, in fact, they are even a different ethnicity than I. Chase allowed this individual to withdraw funds fraudulently. I made a claim with Chase 's Fraud Department on XX/XX/22 ( also closing out this account day of ) and again on XX/XX/22 calling their fraud dept. ( sending them a police report, per their request ). When I called back to check the status of this claim they said the claim had been closed and that the signatures matched for the withdrawal to occur. ( Please recall, the signature is on my stolen DL card - and the criminal likely tried to copy it ). I have requested that Chase bank reopen the claim and they have refused, indicating their fraud team has assessed my materials and have not found this to be a fraudulent occurrence. I asked to see footage of the individual in the bank when this event occurred and the bank said they could not share that information with me. I KNOW if they check the cameras that it will prove this individual is not me. I have multiple police reports to share if need be.
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 balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. Thank you.
Product: Consumer Loan

I believe that I was misled by PNC bank regarding the automatic payments for a car loan ( paid in full in XXXX 2015 ). I discovered it when the loan payment was auto-drafted for the second time after the loan was paid off. PNC advised that " I '' had set up our payments to be made through a 3rd party service ( mycheckfree.com ). I did n't realize that when I originally set up the auto-draft through their website that I had been redirected to a 3rd party not affiliated with pnc. PNC now tells me that that I should have cancelled the auto-draft though the other company ( and that I would n't receive a refund for 10 days. ) Their auto-draft set-up was misleading - I thought all along that I had set up payments with PNC. The bank statement even showed " ACH withdrawal PNC Bank. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must uphold ensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately.

TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. 
Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C.

1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other third-party data aggregators, I demand disclosure of the exact method of verification pursuant to 15 U.S.C. 1681g ( a ) ( 2 ). Any failure to provide a proper verification method renders the data unverifiable and mandates its immediate removal.
Product: Credit reporting or other personal consumer reports

So I recently submitted a complaint Through the XXXX about inaccurate information on my credit report so because I put in a report to report Experian for reporting inaccurate information, they took my whole credit score away as if I dont have any credit information so because I reported them for reporting incorrect information They took my score to XXXX as if I dont have any credit information which is incorrect If Experian is going to do that to consumers, then I prefer them to not report my credit information because I feel like I cant trust them by this point!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  - XXXX XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education. 
As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information may have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting. 
Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, may have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.
Product: Checking or savings account

I am attaching a statement from my bank Wells Fargo, Listing several fraudulent transactions made at XXXX. 

I have made the claim through my bank on XX/XX/year> and they denied it. On XX/XX/year> I discovered the claim was denied and filed a police report with the XXXX XXXX XXXX 's department regarding the fraudulent charges. And then, called Wells Fargo Corporate XX/XX/year> to reopen fraud claim. On XX/XX/year> I called back Wells Fargo Corporate and was informed they have not rescinded the original decision. I work in XXXX  and have not left the state nor shopped at a XXXX store. However they claim the purchases were made with my debit card as an in-person purchase. The stores were located in GA, OH, KY, and WV and most charges were repetitive at {$160.00} and made several times a day. The bank fraud detection did not flag these purchases and they claim there is not enough evidence I did not make them - even though I was actively making purchases on the XXXXXXXX XXXX XXXX that entire time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$440.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, Experian, CFPB, and XXXX proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt. 

This debt should be removed from credit reports and collection stopped if not validated within the given time frame. 

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on two separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my Utility bills. 

Now Experian and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. I have sent all documents for over 7 months to all XXXX credit bureaus for the removal of XXXX accounts Discover card and XXXX. I have only received minimum responses that come over 60 days from my original investigation date. both creditors have incorrect information. Discover Card have account information that is incorrect. Its reporting XXXX, 30 days late consecutively. The rating reporting is impossible. I have never had an account with XXXX. The originator of this account is XXXXXXXX XXXX. XXXX XXXX removed this account from my credit files XX/XX/year>, XXXX refuses to remove this account off my XXXX or XXXX XXXX report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,
Product: Credit reporting or other personal consumer reports

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. XXXX, XXXX, AND TRANSUNION DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!
Product: Checking or savings account

Navy Federal Credit Union is covered by the XXXX XXXX XXXX XXXX, providing insurance of up to {$250000.00} on each member 's deposit account. Consequently, my checking account ( XXXX ) is insured for the same amount. However, despite this coverage, Navy Federal Credit Union has levied overdraft fees of {$580.00} and return item fees of {$390.00} on my checking account ( XXXX ), totaling {$890.00}. This action is considered illegal, as Navy Federal Credit Union did not suffer any financial losses due to the protection provided by the insurance. Additionally, Navy Federal Credit Union not only retains the insurance coverage for my account but also keeps the interest payments on each deposit. Therefore, it is unjustified to charge me when Navy Federal Credit Union is already holding all the proceeds as the custodian of my account. 

Regarding Custodial Accounts, the aggregated balances within a minor 's custodial account, established under the provisions of the Uniform Transfers to Minors Act, are insured separately from funds held by the minor or custodian in other Navy Federal accounts. These custodial accounts are entitled to receive distinct insurance coverage of up to {$250000.00}.