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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Checking or savings account

I am writing to file a compliant 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 XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX has told me over the phone that they are not required to do and investigation only furnishers are required to investigate Disputes? This explains further why Im not getting any thing done for the past years I have been Disputing Regional Acceptance Corp. But a week before agent said that my documents I have sent does not look like the itemized list came from a company and said I could have typed this up. 
I disputed this ( itemized list ) in 2023 only for it to be ignored not only by XXXX but Regional Acceptance Corporation ( Truist Bank ) as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX and XXXXXXXX XXXX account XXXX is still showing on my credit report. This account is more than XXXX XXXX XXXX. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not XXXX XXXX XXXX and never get a response. I have written several letters and made phone calls with XXXX assistance. Debt over XXXX XXXX XXXX must be removed or they must show proof to validate it can legally still be reported. XXXX and transunion refuse to remove old debt. The next step will be having my attorney file a lawsuit.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$21000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I visited XXXX. I was asked to REPORT the inaccurate delinquent mark on my report to ALL CREDIT BUREAUS, and they would notify each bureau that this account is NOT LATE.
Product: Credit reporting or other personal consumer reports

This was charged off in XX/XX/2019 for {$20000.00} and reported to the Internal Revenue Service as income. My income should not be reporte4d by the Credit bureaus. Please rm
Product: Credit reporting or other personal consumer reports

I and a couple friends have had problems contacting Experian in the last several months. My current issue is that I am trying to sign up for XXXX. I finally discovered after several calls to Social Security that the reason I can not make an account is because my credit is frozen. I have tried numerous times and different ways to get through the Experian call tree, but it refuses to let me enter my PIN to unfreeze my credit or send me to an agent. I believe they are using AI to block me from reaching an agent. I may have to resort to making an online account to get signed up for XXXX as I can not get an appointment with Social Security until XXXX XXXX and my health insurance will cease to exist on XXXX XXXX. I don't hold a lot of hope that an online account will be the answer as two of my friends have online accounts and neither of them can access their accounts. One of them had an identity theft problem and was unable to reach anyone by phone at Experian. He finally contacted XXXX who contacted Experian for him as far as he knows. My other friend was being charged for an Experian membership she did not sign up for and had to get her credit card reissued to keep Experian from charging her for this membership she did not ask for because she was unable to get the problem resolved by calling Experian and unable to login to her account. 
Why is Experian allowed to get away with not providing phone support? 
All I am asking is for the freeze to be removed from my credit file so I can signup for XXXX. I shouldn't have to spend hours trying to navigate a phone tree that seems now to not send any callers to live agents.
Product: Checking or savings account

I get early pay through direct deposit every other Thursday. This Thursday, I didnt get my paycheck. I saw that the capital one app was having issues. I waited and waited. Hours pass.. still no check. I called in the evening on Thursday and was told there is no ETA for the fix. I was told most likely Friday morning Id get my check. They waited til after XXXX to even email customers. My normal payday is Friday. Its past XXXX XXXX XXXX XXXX, I still havent gotten nor received my direct deposit. So sad that capital one can not even be bothered to properly communicate their issues or back peoples money.
Product: Debt collection

Caller called my personal phone XXXX back to back on each number and my work number and main number XXXX back to back. I never consented to called on recorded line I stated no when asked after speaking to me about the situation and when asked to call back the caller ignored my request and kept on talking and asking for money and did not acknowledge my request. I am in fear of losing my job because of this and I need to file a complaint.
Product: Debt collection

See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the XXXX, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX  XXXX XXXX XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # XXXX,
Product: Debt collection

I call bell bank about the late fee and pass due payments that I got in the mailbox. Telling them my situation of being on low income from SSDI that I cant afford the payment a more and let them know that my income is protected and exempt from garnishing my wages and that Im going to filing exempt forms at court house. The person in XXXXXXXX XXXX bell bank collection department told me that is not true she be doing this for 30 years and she never heard of it. She stated she is aware my situation and said we have the right to stop your account SSDI deposit and take legal actions. I told her they cant do that. I have only received a late payment for XXXX XXXX. I have talk to Minnesota legal aid and they told me to report it. Because of what she is threatening me to take legal action
Product: Credit reporting

This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are XXXX TransUnion and XXXX Specifically ; XXXX XXXX Provides me My XXXX score and an explanation for any change as follows ; Your XXXX ( XXXX ) Credit Score is based on your TransUnion credit report using the XXXX ( XXXX ) Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by XXXX XXXX XXXX. The Credit Card offers a free XXXX score updated monthly. XXXX, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the XXXX Card explanation for change ( decrease in score ). 
Upon discussion with XXXX, they directed me to TransUnion, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame TransUnion who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, XXXX blames TransUnion, who blames XXXX XXXX ... who blames TransUnion. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either TransUnion '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their XXXX score, which in turn can have a significant negative impact on future borrowing costs
Product: Mortgage

I have been lied to, strung along, and games by CitiMortgage 3 months ago for XXXX in 2012 XXXX after paying 12 yrs at 5 % ... no help,,, CALL LINE SAYS " IF YOU ARE GOING TO BE LATE '' NEED HELP '' WANT MOD. FOR HARDSHIP AND ASSUMPTION FROM DEAD EXWIFE WHO HAD FIRST IN HER NAME I QUALIFY WITH HIGH CREDIT, HOME VALUE, NEVER LATE BUT NOW XXXX AND THEY LIE, LIE AND POSPONE AND STEAL ... where XXXX is the government??? XXXX ..iM STARTING A CRIME SPREE IF YOU SAY THIS IS LEAGAL ... XXXX YOU DO NOTHING AND THEY DO WHAT THEY WANT TO HURT PEOPLE, I 'LL be famous to Help all people you did nothing for and got a paycheck and Citibank for stealing, lying, and 4 months dragging and excuse and excuse that prevents my XXXX after 12 yrs 5 % I deserve some help that not even going rate and live alone XXXX with XXXX and let them rob me 12 yrs and counting ... FBI and world will hear my story and CFPB is a joke to allow banks to kill people XXXX last reach out for help and gloves are off.
Product: Credit card

I had two purchases from XXXX XXXX that were not me show up on my statement. I filed a dispute and Bank of America claimed they were me and that I was lying they totaled to XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 {$300.00} XX/XX/2020 {$68.00} XX/XX/2020 {$190.00} XX/XX/2020 {$50.00} XX/XX/2020 {$400.00} XX/XX/2020 {$100.00} I was purchasing different crypto coins in hopes of a significant ROI after the Bitcoin halving event coming up in two or three days time. My linked payment accounts were disabled when I tried to purchase XXXX  and XXXX  this morning early around XXXX XXXX. I called the XXXX number for help. The automated bot told me to push 1 on my keypad if I believed my account was compromised. So I did, now it's disabled. I've sent multiple messages for help. No human response. I've followed automated instructions to regain access to my account. I completed the verification of ID several times. That includes front and back photos of my driver 's license and a head and shoulders picture of myself. It claims to verify my ID within 5 mins. It does not, even after 30 mins. I've desperately tried multiple times today. I need help. This company isn't helping what so ever. I honestly believe they've stolen my investment, which was increasing in value. Thank you kindly, XXXX
Product: Debt collection

Subject : Formal Dispute and Request for Validation of Debt To Whom It May Concern, I am writing to formally dispute the validity of the debt being reported by Eastern Account Systems, on my consumer report for the amount of {$510.00} and to notify you of several violations of federal regulations regarding debt collection practices. 

XXXX. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Eastern Account Systems has failed to provide me with the required validation information regarding the alleged debt. As per the regulation, a collection agency must provide validation information when requested. Despite my request, you have not provided the necessary documentation. 

XXXX. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : You have not given me the opportunity to dispute the account before it was reported to consumer reporting agencies. This is a violation of my rights under the aforementioned regulation. 

XXXX. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency has furnished an account to a consumer reporting agency without providing the required disclosures. 

This constitutes a clear violation of both federal regulations. 
In light of these violations, I dispute owing any and all debts to this agency. Please consider this letter as a formal request for the following : XXXX Validation of Debt : Provide all documentation and evidence verifying the debt you claim I owe. This includes a detailed account statement and proof of the original creditor. 

XXXX XXXX XXXX : Provide a copy of the purchase agreement between your agency and the original creditor. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Furnish proof that your agency is properly licensed and bonded to collect debts in my jurisdiction. 

Furthermore, I am revoking all rights for Eastern Account Systems to communicate with me through email, text messages, or phone calls. All future communications must be sent to me via certified mail to ensure proper documentation and receipt. 

Below its the agency information Eastern Account System ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

Simmons bank has purchased XXXX XXXX in XXXX Mo. They will not answer their phones or any type of internet communications. This bank is slow slow and very inconvenient to work with. This bank needs to be investigated so we can get the proper service we require.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.Equifax, XXXX, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.
Product: Credit reporting or other personal consumer reports

My mortgage loan belong to XXXX XXXX in XXXX the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three Experian, XXXX and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is american express reported on my report opening in XXXX. I was XXXX years old then. There is no way that is my card that was opened.
Product: Mortgage

I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 TRANSUNION 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX  business days after the date of receipt.
Product: Credit card or prepaid card

Every month I log on to the Synchrony site ( a credit card setup by XXXX to pay of my XXXX phone ), and I can't access my account. Their site simply does not work. I try three or four times with my card number, SSN and other ids ( birthdate etc. ) and even when everything is right, it can't find my account. Additionally, they offer a call in help line - that also can't find my account ( but offers to at a {$10.00} per call fee ). These people should not be allowed to offer credit to anyone- I will probably pay the amount in full to get away from this company. I can not conscience that a company would make it this hard to pay your bill. Please investigate this horrible company - taking advantage of people who need goods like a cellphone.
Product: Student loan

I have 11 different student loan accounts presently being serviced by FEDLOAN SERVICING. All 11 Accounts report 2 late payments in XX/XX/XXXX and XX/XX/XXXX for a total of 22 reported late payments. However, on two separate occasions, I applied for and was granted a general forbearance by this company for the period from XX/XX/XXXX to XX/XX/XXXX. Despite this, the Lender continues to report late payments and refuses to update my file with the 3 credit agencies despite three separate attempts by myself to dispute this incorrect reporting directly with the Lender and on two separate occasions through XXXX. This incorrect reporting is destroying my on time payment history and thus my credit. As the attached documents show, the account was clearly in forbearance during the periods said payments are being reported late or missing ( see attached ).
Product: Payday loan, title loan, or personal loan

I was contacted by the local branch manager of Truist Bank offering to increase my home equity line of credit, so I applied for an increase more than 93 days ago! I returned the signed disclosure statements to the local branch manager on XX/XX/XXXX. I have emailed the local manager four times with no response. I have filed 7 written complaimts to their Customer Service. Only two of those complaints were responded to but the representative only promised to " get back with me '' which they never did. I tried calling their loan department but only get computer generated response asking for a loan number and ofcourse my existing loan number was not accepted. You have no option to speak to a representative. Phoning the local branch did not produce any answers as to why it is taking so long to process.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For theses violations.