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

Documentation was sent to XXXX XXXX XXXX with the following verbiage : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I, the consumer may have given you, written, unwritten, verbal and non-verbal per 15 USC 6802.

15 USC 6802 Obligation with Respect to Disclose Non Public Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option I was never given the option to opt out, a form nor the process to opt out hence the reason I created and sent my own.

( 15 USC 1611 ) Criminal Liability for Willfully and knowing violations ( 15 USC PRIVACY ACT OF 1974 ) ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting It is ILLEGAL to report TRANSACTION HISTORY ( 15 USC 6801 ) PRIVACY AND OBLIGATION POLICY states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( 15 USC 6805 ) The enforcement, prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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: Money transfer, virtual currency, or money service

Chime locked me out of my account, because I sent my money from one bank ( which is now closed ). {$6000.00} is in my chime account and they refuse to give it back to me... I am close to filing a lawsuit against chime. I have sent them more then what they needed to unlock my account.. they still ask for things that I have already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$4800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 {$9900.00} were wired from our deposit account at the USAA Bank, XXXX XXXX, Texas to and individual account at a different bank. We reported the fraud to the bank on that date. 
Since that date we have communicated with USAA numerous time to recover our funds. 
After two months the bank refused to reimburse our funds. We requested a written statement as to why our claim was rejected, They have refused to share their findings in writing. 
We escalated our claim to XXXX. After their review they escalated our claim to XXXX. XXXX have required documentation. We have provide extensive evidence of the fraud. Now XXXX wants a statement from USAA. As noted above we are unable to obtain such a statement. 
We have engaged an attorney, He have determined that we would need to sue the USAA to obtain their written findings/opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 collections on my credit report from credit systems , inc and i was told by them that if i paid them then they would remove the collections from my credit reports. i have tried unsuccessfully to get the company to remove the collections like they said they would. I have also tried to get them removed by disputing the collections with the credit bureaus.Please help
Product: Vehicle loan or lease

**Description of Incident : ** **Dates and Amounts : ** - **Date of Incident : ** XX/XX/XXXX was not realized until XXXX several attempts were made to rectify the injustice. 
- **Total Finance Charge Disputed : ** {$27000.00} **Summary : ** I am filing a complaint against Capital One Auto Finance regarding several violations of the Truth in Lending Act ( TILA ) that have significantly impacted my financial situation. The key issues are as follows : 1. **Non-disclosure of Insurance in Finance Charge : ** - Capital One Auto Finance failed to disclose that insurance was included in my finance charge, as required under 15 USC 1605. This omission led to an inaccurate representation of the finance charge and the total cost of the credit extended to me.

2. **Lack of Information on Insurance Options : ** - I was not provided with any information about insurance options nor given the opportunity to select an insurance provider of my choice. This lack of information deprived me of the ability to make an informed decision regarding insurance coverage for my financed vehicle. 

XXXX. **Denial of Right to Rescind : ** - Capital One Auto Finance did not inform me of my right to rescind the transaction within three business days following the consummation of the transaction, as mandated by TILA regulations under 15 U.S.C . 1635 and 12 C.F.R. 226.23. This failure to inform denied me the legal right to reconsider and possibly rescind the credit transaction.

**Actions Taken : ** - I have contacted Capital One Auto Finance multiple times to resolve these issues, but have not received a satisfactory response.

- I have reviewed the terms of my loan agreement and found that these critical disclosures were omitted.

- As a result, I am seeking a complete audit trail, a zero balance on the account, a refund of all payments made, and statutory damages due to the violations. 

These violations have caused significant financial and legal stress, and I request that Capital One Auto Finance address these issues promptly in compliance with TILA requirements.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 XXXX 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

I am filing this complaint against Navy Federal Credit Union for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus : XXXX, XXXX, and XXXX. The errors and violations make the reporting misleading, inconsistent, and unverifiable, requiring immediate deletion of this account. '' Future Date Reporting ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted XXXX, XXXX, and XXXX report a 'Balance Updated " date of XX/XX/XXXX. 
This is impossible since we are already in XX/XX/XXXX. 
Any inaccurate or unverifiable information must be removed under the FCRA. 

Charge-Off with an Outstanding Balance ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information The account is reported as charged off but still shows a past due balance of {$30000.00}. 
A charge-off means the lender has written off the debt and should not be reporting an outstanding balance. 
If the debt was sold or transferred, the balance should be reported as {$0.00}. 

Contradictory Payment History Reporting Conflicts ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inconsistent & Misleading Reporting XXXX reports no past due balance in early XXXX, but later months suddenly show delinquencies. 
XXXX and XXXX list the account as past due throughout XXXX, contradicting XXXX. 
The account can not be both current and delinquent at the same time, making this reporting unverifiable. 
Inconsistent Account Open Date vs. First Delinquency ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inaccurate Reporting The account was opened in XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX. 
This suggests the loan defaulted in just 5 months, which is highly unusual and signals a potential reporting error. 

No Proof of Debt Ownership ( FDCPA Violation ) Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement My credit reports do not indicate whether Navy Federal Credit Union still owns this debt.

If the debt has been sold to a third-party collection agency, they must report a {$0.00} balance. 
If Navy Federal can not provide proof of ownership, this account must be deleted. 
Due to multiple violations across XXXX, XXXX, and XXXX, I am requesting the immediate deletion of this Navy Federal Credit Union account from my credit reports. The reporting is factually incorrect, inconsistent, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If Navy Federal can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Navy Federal Credit Union complies with federal law
Product: Credit reporting or other personal consumer reports

ON ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) COMENITYCB/21 in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a judgement from XXXX XXXX XXXX in XXXX XXXX, Tx, which i have never done any business with such apartments. I have never lived in this apartments or co-signed for anyone. I went to the municipal court and pull out the judgement, which pertains to a " XXXX XXXX ''. I was never served for this judgement, i had no idea it was there until my background check was done from a Company i applied with. This Judgement in preventing me from getting hired. I need this removed from the BBB as soon as possible. <P/>Your attention to this matter will be greatly appreciated. <P/>XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to get this issue fix. I contacted Equifax on XX/XX/2018 and recently on XX/XX/2018. On XX/XX/2018 I received a confirmation # XXXX that the following address has been deleted but these address are still associated with my account. All of my personal information is incorrect with Equifax. My name is spelled incorrect. My employee is listed incorrect and associated or previous address are still showing up on my report. I have included a screen shot of a recent report from Equifax still showing the former addresses listed.I have also included ID for proof of identity for name correction. The only address that should be showing up on my report is the XXXX XXXX ... Proof of current address is also included.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees. 

I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint. 

Thank you XXXX XXXX
Product: Checking or savings account

I got scammed using XXXX, and the company that had my money was in chase bank.
Product: Bank account or service

I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information. 
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.
Product: Debt collection

{$1000.00} enhancemed recovery company claims I owe them. Ive never done business with them.
Product: Student loan

FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ) Time Limits on Reporting This section of the FCRA states that negative information ( e.g., late payments, defaults, collections ) can only remain on your credit report for up to 7 years from the date of the first delinquency, while bankruptcies can remain for up to 10 years. However, accounts in good standing may remain on your credit report indefinitely or for a period determined by the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Ashley Home Furnishing I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and Ashley Home Furnishing reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.
Product: Credit card

Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.
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. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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: Debt collection

According to New York State law consumer credit transactions will be commenced within three years. I have debt collection longer than 3 years and I live in New York State.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to remove any late payments associated with XXXX XXXX XXXX XXXXXXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX