23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or list of inquiries 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 or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX, my XXXX, my mode of XXXX and to my XXXX 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXXXXXX XXXX XXXX and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
( 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 XXXXXXXX XXXX
Product: Debt or credit management

We agree once they got in contact with me to make XXXX dollars a month payment. They still sent my information to credit knowing I'm pay8ng on what we agree. Also my consent was not given for this.
Product: Mortgage

On XX/XX/22 I made a payment to my Bank of America HELOC ending in XXXX through their bill pay facility. The amount of the payment was {$540.00}. After a couple of days the amount wasn't credited to my account and I contacted the bank using their email portal. On XX/XX/22 I got a notice that the funds were applied to a closed HELOC I had and that a check would be issued and mailed to my address on record. On XX/XX/22 I got an email that a check was issued ( # XXXX ) and it would take 7-10 days. 

On XX/XX/22, ,I contacted the bank by phone and was told the check was still outstanding. The person said they put a stop payment on the check and issued another check. I was told that it would take another 7-10 days. Now it is XX/XX/22 and I have not received anything. 

I feel there is a problem at the bank and I need help getting my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. 

Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.
Product: Debt collection

I have been dealing with this for months and its a lot of calls that wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting

TransUnoin has placed XXXX XXXX XXXX in XXXX GA on my credit report and I have never had a loan with theses people and I want it taken off my credit report soon as possible. XXXX XXXX XXXX phone number is XXXX. My name is XXXX XXXX the last SS # XXXX my cell number is XXXX if you have any questions for me concerning this matter. I have this removed. Thank you, XXXX XXXX
Product: Debt collection

I sent HEARTLAND RESOLUTION GROUP a cease and desist ( pursuant to 15 USC 1692C ( C ) ) and a demand for validation of the alledged debt ( pursuant to 15 USC 1692g ) regarding a debt they contacted me through mail about. In my response to them, I demanded all communication be done through " mail only ''. They ignored my request and continued to harass me by calling my phone 27 times from XXXX XX/XX/2022 after receiving my cease and desist which is a violation of 15 USC 1692d ( 5 ) They never responded to my request for validation of the alleged debt and they have had more than enough time to validate the alleged debt.
Product: Credit reporting or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that this debts is mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. Unfair Trade Practices and Consumer Protection Law by failing to provide transparency and accountability in your collection practices.

Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer report.

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information.

Specifically as it relates to credit inquiries that the following company did not have a permissible purpose per the FCRA Section 604 ( c ) ( 1 ) : I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with Transunion and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to transunion, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is allowing repeated inquiries into my credit history without authorization. The inquiries are apparently from " TransUnion Interactive '' without authorization. I demanded all copies of authorizations for credit inquiry. TransUnion is requesting PII information from a company called XXXX  and XXXX XXXX  without my authorization. XXXX and XXXX XXXX   provided information about me without my authorization. As you know, ACH Transactions are controlled by the Federal Reserve System not by private industry. Therefore Banks must be providing " Deposit and Banking Transaction '' unrelated to Debt to third party entities without my authorization. I request the Federal Reserve to issue a Regulation prohibiting the release of transaction information without consent of the individual. 

The data in my bank account is personal protected information by Federal Law. I did not authorize any release and any request for a copy of the information is requiring additional Personal Information which is also illegal under Federal Law. The information provided in the request for information in their databases is then augmented by the request for a copy of the information on the individual.

Banks are not suppose to request a " Credit Report '' as part of the process to create bank accounts but are requesting " credit reports '' instead of " verifying identity which is illegal under Federal Law.
Product: Student loan

On XX/XX/2021, Nelnet called my cellular telephone at XXXX PT from XXXX. The calls from Nelnet constitute harassment. I revoked consent for telephone calls with rep, XXXX on XX/XX/2021 at XXXX. Since revoking consent, Nelnet called again on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In addition to revoking consent from telephone calls to my cellular telephone using an automated dialer, I also emailed Nelnet at : XXXX and copied XXXX on XX/XX/2021. The email requested Nelnet cease and desist all collection activity on all mediums of the alleged debt. Ignoring my cease and desist request, Nelnet sent another email on XX/XX/2021. 

Nelnet is harassing me and violating several consumer laws. My XXXX filing does not list any liens or debt from Nelnet. Nelnet is furnishing false and deceptive forms.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed 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 are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX {$510.00}
Product: Money transfer, virtual currency, or money service

Money from my mother 's account was not transferred. The point person, XXXX XXXX of XXXX XXXXh, was generally not communicative-he did not answer his phone, reply to messages left or reply to e mails. One of my siblings spoke to XXXX XXXX, who stated the money would be transferred on XX/XX/XXXX or XX/XX/XXXX. The money still has not been transferred. XXXX XXXX finally said he was dealing with covid for two weeks. Why could he not enact the transfer from home or get one of his colleague 's to do this? I actually don't even believe him. The urgency is that we need to take out the required minimum distribution. But how can we if he/they aren't transferring the funds? I filed a complaint with the XXXX XXXX XXXX with little effect. I don't think this will help either. It's a crying, despicable shame that " our '' government is powerless against a financial institution like Bank of America ( which owns XXXX XXXX ) in helping and fighting for the average person.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing .Im requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Student loan

Navient illegally placed a returned payment towards my student loan account stating that there was insufficient funds in my checking account on XXXX XXXX, 2015. After contacting my bank, my financial institution verified that there was no XXXX transaction placed in the amount of {$250.00} towards my checking account from Navient. And now, I am receiving harassing calls stating that I have not made a valid payment towrd my student loan account. In which the the payment was made on XXXX XXXX, 2015, via the Navient online payment site.
Product: Student loan

In XX/XX/2022, I was told that my loan qualified for TEPSLF. If I could send in the employee certification, I could have my loans wiped out. Now I am told that I actually have four loans (? ) and will only get part of them wiped out. The others will, so they now say, be ineligible for PSLF or TEPSLF because I am not a teacher currently and still owe money on these two.

I held on the phone for one hour and forty minutes today to talk to these people. Anyone with a life does not have that kind of time to spend on hold. They know they have us and don't have to be polite. After I'd held for an hour, The recording said I had four minutes to talk to an agent, and then, someone picked up and put me right back on hold! Then I just held some more. This is just soul crushing! 


I have been given conflicting information every time I call these people, and I am full of despair after being told that they would be wiped out only to now be told they won't. I only teach four classes online now, and I that is not full time, per my employer, so I am going to be paying the Income-based repayment until the wonderfully final day that I die, which at least I can say will be a place and time that Fedloans can not come hound me.

My payments to XXXX XXXX were not showing up for years, and now for some reason they are. I am just tired of being jerked around by these people. I've made XXXX payments, but they somehow do not count, and I'm just ready to give up. I've never defaulted or missed a payment since I started paying back.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Its showing on Experian a account which a repeatedly told them that I do not have this account anymore, I am authorizer user in this account on XXXX XXXX XXXX and I called Experian more than XXXX times and nobody has been able to help me. so please I need to someone to look into this account and take it off because I do not have this account anymore. 

the inaccurate information is from XXXX XXXX XXXXXXXX amount of {$16000.00}. I do not have this account anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX