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

I am filing a formal complaint regarding inaccurate late payment reporting by Navient on my student loans. These loans are now transferred to [ XXXX ], but Navient has reported inaccurate late payments on my credit report. 

The issues include : 1. PSLF Modifications : Recent changes to the Public Service Loan Forgiveness ( PSLF ) program allow all payments to count as on-time, including those previously considered late ( which were not late after all ). 

2. Navient Settlement with CFPB : Navient recently settled claims of mismanagement and improper payment reporting, which directly impacts the accuracy of my credit report. Though the accounts are " closed/transferred '' the " late payments '' count towards overall counts of late. I have to appeal or provide a letter of explanation that I do not have 13 lates and lates over 30-90 days. My student loans are referenced.

3. FCRA Violation : The inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), as it does not reflect the correct status of my payments. 

I've called and sent letters for 3 years in between XXXX and either asking me to resubmit proof of documentation which I already had, or the update projects accuracy XX/XX/year> ( reflected on my credit report with each account now ). 

The credit bureau indicates its valid, though I have not received the information I asked for. This employment and ability to acquire loans.
Product: Checking or savings account

In XX/XX/2023, I opened checking accounts at Citizens Bank and chose the option not to allow overdraft fees and to decline debit card purchases if funds are not available. 
In XX/XX/2023, Citizens Bank put holds on my debit card purchases and overdraft my checking account in the negative balance of - {$67.00} and my other checking account has a negative balance of - {$49.00}. Citizens Bank is allowing my bank account to overdraft to steal money from me when my accounts are opted out of overdraft protection.
Product: Credit card

A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible. 
Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount. 

Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim. 
This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me. 

Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.
Product: Debt collection

TODAY ON MY LUNCH BREAK AROUND XXXX XXXX ARIZONA TIME I CALLED BACK A MISSED CALL TO XXXX A REP ANSWERED TOLD ME THE CALL MAY BE  MONITORED I SAID OKAY THIS IS ME WITH THAT LAST FOUR, SHE SAID SHE WAS CALLING FROM D2 MANAGEMENT LLC REGARDING A BILL FROM XXXX I BELIEVE I TOLD HER GOSH I HADN'T HEARD ANYTHING ABOUT THAT IN A VERY LONG TIME THAT WASN'T MINE AND INSTEAD OF ASKING FOR A POLICE REPORT NUMBER OR IF I HAD REPORTED SHE SAID, " THIS WOULDN'T BE HAPPENING IF I PAID MY BILLS '', I THEN ASKED HER FOR A SUPRVISOR, THIS WOMAN PLACED ME ON A 6 MINUTES HOLD TRANSFERED TO ANOTHER BUILDING, I GUESS THEY 2 BUILDINGS FOR THIS COMPANY AND THE REP I WAS TALKING TO DIDNT EVEN WORK IN THIS ONE. I GOT THE GENERAL MANAGER WHO COULD ONLY TELL ME THAT THE REP WAS XXXX. WELL, HOW DISGUSTING TO TALK TO ANYONE THAT WAY, YOU MAKE IT HARDER FOR PEOPLE TO PICK UP THE PHONE MUCH LESS SOMEONE THAT WAS WILLING TO TALK, THE CONVERSATION NEVER HAD TO GO THAT WAY. I HAVE THIS CALL ON RECORDING AS MY BOSS WAS RIGHT NEXT TO ME IN THE VEHICLE TODAY GOING TO LUNCH, HOW DISAPPOINTING. I HOPE NO ONE EVER GETS A CALL FROM THIS COLLECTOR AGAIN. IT SHOULD BE HABIT TO COLLECTION REP NOT TO ARGUE OR TALK DOWN TO ANOTHER PERSON AND TELL THEM TO PAY THERE BILLS NO MATTER WHO I AM ON THE OTHER LINE.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX  XXXX XXXX for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX  XXXX XXXX disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
Harassment and Abuse : During my attempts to address these concerns with XXXX  XXXX XXXX, their representatives responded with laughter and dismissiveness. This behavior constitutes harassment and abuse, violating 15 U.S.C. 1692d, which prohibits conduct that is meant to harass, oppress, or abuse any person. 
False Representation : By sharing my information without authorization, XXXX  XXXX XXXX misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX  XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations. 
Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

When I contacted XXXX  XXXX XXXX to express my concerns about these unauthorized actions and their detrimental impact on my credit report, I was met with dismissive and derisive responses from their representatives. Their unprofessional and callous behavior exacerbated my mental health issues, including XXXX and stress, which stemmed from this violation. The damage to my credit report has also caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. 

I urge the CFPB to investigate this matter thoroughly and hold XXXX  XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : UNKNOWN THIS 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 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 HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. TRANSUNION HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Product: Debt collection

Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.
Product: Checking or savings account

I am a XXXX  vet that relies on my VA XXXX money for food and gas and paying Bill 's. I have made an error in transferring and scheduling that caused me to overdraft but quickly transferred funds to cover the mistake and now USAA bank is holding my funds even though the savings reflects positive balance. I have no food and gas and I said I am service connected vet that relies on my va diaqbilitity that they are currently holding and wont release to me. Today is Friday and they said my funds wont be released to me until Tuesday and what am I supposed to do for food and gas till Tuesday. The resolution rep XXXX from USAA Bank is not willing to release my funds because she said my account was just opened. 
Even though it is clearly shows that the funds are cleared by my other bank 3 business days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a  XXXX . Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
Product: Checking or savings account

I have had this issue many times throughout my membership with this financial institution. The situation that occurs happens whenever I have deposits and withdrawals occurring within the same XXXX. What seems to happen is for example : Checking account balance : {$500.00} on XX/XX/XXXX. A direct deposit is schedule for XX/XX/XXXX in the amount of {$1000.00}. XXXX automatic bill payments in the amount of {$300.00} each are scheduled for XX/XX/XXXX. The institution will process the XXXX {$300.00} withdrawals prior to depositing the direct deposit. Then will charge XXXX overdraft fees in the amount of {$29.00} each, totaling {$58.00} ; next, they deposit the {$1000.00} and subtract the {$58.00} in overdraft fees. Many times I don't notice the fees immediately. I have XXXX accounts with them and most times even with the tactics they use to trump up these fees, there are more than enough available funds in the attached accounts. I'll list dates of overdraft/refund check fee occurrences below. The " returned check fees '' refer to when an automatic debit/bill pay occurred. Statements show balance with enough funds on occasions that deposits weren't scheduled on the day. 
XX/XX/XXXX XXXX {$29.00} returned check fees XX/XX/XXXX {$29.00} returned check fee XX/XX/XXXX {$29.00} returned check fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX {$29.00} returned item fee XX/XX/XXXX XXXX {$29.00} returned item fees
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, CrossCheck, XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Mortgage

We had two issues with our application that, in addition to the lack of professionalism and dishonesty or WF, had material financial implications : -our first application with Wells Fargo was closed without explanation ( XXXX  XXXX  ) -we had a complimentary, partial discount point offer which was never recorded and was not reflected on our mortgage ; the WF employee later admitted internally that this was an error on his part.

****I will be happy to elaborate at any point as working with WF was a grueling and arduous ordeal
Product: Debt collection

On XX/XX/XXXX when I received the letter I try to contact the company to let them know the debt had be settled.By email several times.But it wouldn't allow me to enter the site with the assigned account number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Product: Debt collection

While going through my credit report I noticed a new debt of {$5500.00}. I went to look at it to see where it was coming from and have no idea who the debtor is. Theres no information as to any they are either ( in other words it well tell you who the original debtor was and theres no information ). The company is Rent Recovery solutions out of Georgia where I have never lived. It was only showing on one credit report as well. I placed a fraud alert on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX  account number : XXXX and XXXX XXXX XXXX account number : XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Trans Union XXXX XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, and XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX, and XXXX XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, and XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. XXXX XXXX XXXX, and XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX and transunion is not an affiliate of XXXX XXXX XXXX, and XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Im ready 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 dues 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 account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2021 to XX/XX/2021 They promise that they would fix my credit they took my money and didn't provide any services at all. I download XXXX  app to monitor the progress an nothing change. There was no disputes created or sent to credit union. I would like them to refund all my money back because they never did anything they promised. I called several time an got the run around as well text them about my account an nothing was done.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries damaging credit score Safe federal credit, inquiry date : XX/XX/scrub>XXXX XXXX XXXX Safe federal credit, inquiry date : XX/XX/scrub>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

The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AMSHER COLLECTION SERVICE Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX Trying to communicate with me through my consumer report which needs to stop. 15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit card or prepaid card

I have an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit file and have requested a challenge over some months now and have provided the proper documentation to Equifax, but they have ignored me. I am a true victim of ID theft ; someone has tried to get employment under my name, and someone has tried to get apartments under my name. I have filed with the FTC and have filed my affidavit and provided the documents to the proper authorities. I have notified Social Security, and the proper authorities regarding this matter. I feel that I have been violated by not having a proper investigation. So, I have done my part according to law the XXXX isn't doing their part as far as defaming my name by just debt parking an item on my credit file without the name of the company and me not knowing what this is. SO, I would appreciate it if it was removed immediately before legal gets involved this is my final warning to Equifax.