23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Always get direct deposit every week but the week of XX/XX/XXXX I didnt receive my direct deposit check. It is now the XXXX and I still havent got paid. Ive never had any problems. This is crazy. Im on the verge of losing my car because my direct deposit hasnt hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have XXXX  or the 2 XXXX  XXXX accounts on my report.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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: Student loan

When I was having trouble paying my loan because I had a minimum wage XXXX, they would call me everyday, multiple times a day, and add huge late fees to my loans. When I answered the phone they would make me answer a long list of questions and at the end they would tell me they could n't help me.
Product: Credit reporting or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian XXXX XXXX are consumer reporting agencies and I am the Consumer XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. 
" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
" ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( 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. 
" ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This accounts is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
" I am opting out of your reporting services for all unfair inaccurate & adverse accounting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX, XXXX, XXXX & XXXX on this XXXX XXXX XXXX for months. XXXX and XXXXn have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Old cfbp complaint numbers I am having the same issues XXXX XXXX XXXX " I believe these entry on my credit report is a result of willful non-compliance and fraudulent practices by the creditor, violating **15 U.S. Code 1681i ( FCRA ) ** . Immediate correction is required. ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Always send pre-approval notes and when call or reach out run credit denied and unaware of things on report and it is affecting my score They say you are approved just to run credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.
Product: Vehicle loan or lease

I purchased a vehicle and used credit acceptance to purchase the used vehicle. I also purchased gap insurance. I was told this would cover anything that was not covered by insurance. In XX/XX/XXXX they claimed I had not made payments in XXXX months and repossessed the car. They told me if I paid XXXX I could get the car back. I did as they asked and found my belongings stolen out of my car, my babies car seat had been XXXX in a pile of snow as well as documents tossed in a trash back in the same snow pile. After getting my car back they lost my key fob, and I had to get a new one. Fast forward XXXX of XXXX and, I am hit at a red light and the other persons insurance company claims a total loss. I get it all set up and record my conversations with credit acceptance. Fast forward to XXXX. I receive a call from the state and from the body shop asking why the car has never been touched. I call credit acceptance and they claim they know nothing about this and did not know where the car was. I emailed the insurance company and they confirmed as well as the body shop that Credit acceptance knew where it was. They finally have insurance company pick up the car and Pay the amount owed which was XXXX. So after that and my gap protection I am told I still owe XXXX on a loan I owed XXXX at the time of total loss. It is now XXXX and They have continued to mark on my credit report I am XXXX days late, they have closed it, opened it, marked as collections, marked as nothing, and they have sent letters with the amount going from XXXX to XXXX said I could settle for XXXX. Now its XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposit a XXXX check into my checking account. My balance was then XXXX On XX/XX/XXXX, Navy Federal transfered XXXX and XXXX to my past due credit card balances leaving me XXXX in my account. 

I am on XXXX and I am unable to work until I have a XXXX in XXXX and a XXXX XXXX recovery. My XXXX is only XXXX per month. My rent is XXXX alone. The {$500.00} check was to keep my phone turned on which I will need to contact my doctor. I am also a XXXX. It was also needed for gas and basic survival needs. 

I contacted Navy Federal and explained I was living XXXX XXXX XXXX. I also informed them that : The Fair Credit Billing Act ( FCBA ), which protects consumers from unfair credit card billing practices, rules that banks can not typically seize funds deposited into a consumers bank account to pay off their credit card. According to the FCBA, a card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. The law recognizes that using an offset provision to go after your credit card debt would give the bank some leverage against you. 

However, there are some exemptions to this rule that would allow a bank to take funds deposited to make your credit card payment. For one, you may have authorized your bank to pay off your credit card debt using the money in your checking account. For instance, you might have signed up for an automatic bill payment arrangement. 

In spite of any such arrangement, though, if you dispute a credit card payment and ask the bank not to take the payment from your monies deposited, it would have to heed your request. 

The paragraphs above I sent to my bank and I requested they return the funds. I had stopped automatic credit card payments prior and none had been taken for the last XXXX months. Navy Federal replied that my cardholder agreement allows them to seize funds and refused to return the money.
Product: Credit reporting or other personal consumer reports

AS REPORTED, the item does NOT have an exactly matching Data Furnisher/Creditor Contract address location. 

Experian was contacted several times via phone and email customer service supervisor refused to be held accountable for improper use of my report unprofessionally disconnected call XX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Mortgage

wells fargo bank are lieing cheeting XXXX, XXXX XXXX in cahoots with judge XXXX XXXX county court, XXXX florida, usa court reporter got paid of and dissapeerd, no file? 5 year case over in 4 mins max, judge would not look at proof paymants XXXX form of proof acount in credit also co signed insurance check held by bank, my solicitor at the start of this case faxed and telephoned wells fargo cheat XXXX ceo, that there were no missed paymants and sent the proof to the court? Why has the CFPB not looked in to the court case were it is clear proof that all paymants were made and cashed by wells fargo bank this bank has been fined for fraud and falsifying documants crooks? CFPB why have you not looked into the court papers i have all the originals in paper form no matter how long it takes i will prove that wells fargo bank have committed fraud and perjury in a usa supreme court and that is for comittal for XXXX ceo [ crook ] and judge XXXX magistrate XXXX [ crook ] i have just recieved a pack of all doctered paperwork from wells fargo, they have not answered any of my numerouse question by saying, We are unable to provideany information because my questions were to broad? this is a deliberate act to cover up a act of fraud and perjury committed byXXXX XXXX ceo, i demand that the CFPB and FBI investigate this crook, he will be prosecuted in court it will come the letter pack recieved to my XXXX home dated XXXX XXXX 2016 this is XX/XX/XXXX cfpb complaint case against wells fargo bank in vestigate XXXX XXXX ceo, then you will find out what a crook you are dealing with in the mortgage world, you will never be able to move on untill this man has been prosecuted in XXXX supreme court and any body else whom helped him recieve his fat salary check .i demand him to be brougth to justice, this man has ruined XXXX familys lives in the usa i will not stop reporting this crooked bank thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting an inaccurate account. The account XXXX XXXX is being reported as a repo on my credit report. The balance reported is inaccurate. There was a payout from my GAP insurance sent to the financing company long after the account was sold to the third party, and it never updated the true balance of the account. The balance is factually incorrect, and I am demanding that this account is removed from my credit report. The credit reporting agencies are also reporting inconsistent information. How is different information reporting when all data furnished should be the same? It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted. Also see the dispute letter that was sent to the creditor. Remove immediately.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} CAXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$16000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX CRUNCH XXXX XXXX FL ) XXXX BALANCED {$210.00} XXXX ( Original Creditor : XXXX SPRINT ) XXXX BALANCED {$850.00} XXXX BANK XXXX XXXX BALANCED {$2300.00}
Product: Mortgage

Loan was transferred from XXXX XXXX XXXX to RightPath as of XX/XX/XXXX. A delinquency in the amount of {$40000.00} per the XX/XX/XXXX statement from XXXX XXXX XXXX. On XXXX, while still under the servicing of XXXX XXXX XXXX, a series of transactions label " Irregular Payment '' was applied to the loan history. The sum of these " Irregular Payments '' is {$38000.00}. This brought the account current through XX/XX/XXXX, leaving XX/XX/XXXX due and payable to RightPath Servicing. 

In addition, beginning XX/XX/XXXX, I applied for assistance with California Mortgage Relief to receive a grant to bring the account current. On XX/XX/XXXX I was approved to bring the account current - ALL delinquent amounts would be paid for by California Mortgage Relief. However, due the transfer the and transactions applied by XXXX XXXXXXXX XXXX the account then reflected no delinquency. I immediately contacted RightPath advising them of the situation. After numerous calls and emails, no one was able to correct the error. I was told by XXXX representative that the payment applied by XXXX XXXX XXXX in the amount of {$38000.00} was payment from a " hardest hit fund '' and there was no error. On XX/XX/XXXX, RightPath collected payment from me for the amount due on the account- XXXX and XXXX payment- in the amount of {$2900.00}. 

On or around XX/XX/XXXX, a wire payment was sent from California Mortgage Relief to bring the account current. However, since no deliquency was reflected on the account the funds were first applied to the principal and then reversed and applied to the unapplied funds account. Later, funds were returned to California Mortgage Relief and was indicated that no delinquency existed. Later, the loan history has been completed changed to show that funds in the amount of {$39.00}, XXXX was removed from the account. In addition, the loan became delinquent in the amount of {$26000.00}. Again I asked RightPath to explain the difference in the amount due to XXXX XXXX XXXX before transfer and the amount now reflecting delinquent by RightPath. 

Furthermore, due to that account errors on this account, my approval from California Mortgage Relief has been cancelled. The mishandling of my account by RightPath has caused me to forfeit funds to bring the account current. Ever attempt was made by me to have this issue resolved before the grant funds were sent. RightPath took to action and when action was taken it was done incorrect - stating no delinquency existed - and the amount due on the account has still not been verified and validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

send XXXX, XXXX  and Experian a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several student loan accounts on my Experian credit report that shows student loan accounts that have been paid in full but are showing up as currently active and in collections. Experian is reporting this inaccurate information to third party companies providing background checks for landlords causing me to be denied as a potential tenant because all these accounts are reflecting delinquent payments. The dispute I filed did nothing to correct the inaccurate information which still remains on my account continuing to cause harm. This has not only impacted my credit score but also my ability to provide a home for my offspring. I was contacted by XXXX whom I also filed a claim against and they disclosed to me that they received information from Experian as part of my background check that had showed my paid loan accounts as active and delinquent debts.