23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
Product: Credit card or prepaid card

I had a walmart credit card account which is in collection the problem is the amount is wrong and also the dates are wrong. please delete this account. 
plus i want proof of ownership of this debt via of a written contract signed by me if you can not provide proof you must delete this account by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file..

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

US Bank gift card with {$250.00} balance did not work. Called the company no help was offered. Called the company again to speak with a different agent, a replacement card was sent after a prolonged and difficult conversation about the issue. Agent confirmed the gift card balance of {$250.00}. Replacement card was received. Tried to activate the card multiple times using both the automated phone line and the provided website. Neither system would activate the card. Called the company again using the original card number ( can't connect to an agent using the card number that will not activate ). Agent directed me back to the automated phone system and website which do not activate the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRYS : XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 Experian XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit card

Capital One denied charges incorrectly stating they were fraudulent. 
Upon first request for information, they advised that a previous charge was potentially fraudulent because they did not receive XXXX ( which is odd, because the charge was swiped and approved ). Then they advised that the charge in question was out of pattern ( which is also odd, because they 've approved transactions at the merchant before ). 
Finally, they decided to cancel my account and could do nothing to assist in continuing the relationship because it was a secured account. This seems in complete violation of good faith negotiation and federal law and would not guarantee any kind of resolution or response to my complaint. Therefore, I felt compelled to file it with the CFPB.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$26.00}
Product: Credit card

I signed up for a store card at Gander Mountain in XXXX before christmas. I provided my address and email address when I signed up. I signed up under the understanding that I would receive a bill and that there were no unreasonable fees or interest rates. At that time I charged a {$18.00} item to the card. 

I never received a bill so I went to the store XX/XX/XXXX to find out what was happening and pay off the card. The store clerk was not able to process the card and told me to contact the bank directly. I signed up for an account and discovered that they had charged me a {$18.00} late fee on XX/XX/XXXX. They also added a {$1.00} minimum charge. I never agreed to that interest rate or fee schedule and I was told that there are no regular fees. 
They have since then charged an additional {$23.00} Late fee and {$1.00} minimum charge. 

The outrageous fees and lack of billing transparency should be illegal. The bank is Comenity bank. The Retail customer is Gander Mountain.
Product: Debt collection

District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt McHughes Law Firm PLLC was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672.

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by McHughes required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges.

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.
Product: Credit card

In XXXX someone in XXXX used my credit card to spend XXXX dollars on a solar panel company. I live in Texas. When B of A called to tell me that there had been fraud I panicked on the phone because the person asked me to read them a password from a text that says do not share. I called Bank of America myself and tried to confirm it was them. Upon realizing it was really them and their system is just kind of odd ( having text messages that have codes to share that day DO NOT SHARE ), I said something to the effect of oh so that wasnt fraud in reference to them calling with a bad mic, background call center noises, a deep accent, asking for a password from a text that says not to share it. They have been using me saying their call wasnt fraud as claim that I actually spent XXXX dollars on solar panels in XXXX and didnt get my card stolen. Ive provided proof of the company being in and only operating in XXXX, all of my info data proves I havent left the country in years, and the only thing I buy online is subscriptions and books.
Product: Student loan

I made payments totaling {$11000.00} during the COVID-19 Student Loan Payment Pause beginning in XX/XX/XXXX. On XX/XX/XXXX I made a phone call to EdFinancial Services to request a refund of all payments I had made after XX/XX/XXXX. I was told that a request for a refund had been submitted, however I was not provided an estimated time for this refund to be processed. I was also told that I would not be receiving any sort of receipt/validation ( via email or any other communication ) that I had submitted a refund request. I was told that I would not be receiving any communication about the status of my request I was told that I would need to contact EdFinancial Services myself to check up on the status of my refund request. I have continued to check my loan account through EdFinancial services weekly, and my loan balance has not been reinstated to what it was before XX/XX/XXXX. I have not received my refund or any communication regarding it. I placed a call again on XX/XX/XXXX and was refused a timeline on when I would be getting my refund. I was once again told that the refund request had been submitted, but nothing has changed. As of today ( XX/XX/XXXX ) my loan balance has not been reinstated and I have not received the refund of {$11000.00} that I requested on XX/XX/XXXX.
Product: Checking or savings account

I received an email from XXXX XXXX deposit on at night on Tuesday XX/XX/22 Which is 1 day earlier than I normally get paid. So I logged on to my XXXX XXXX to pay remainder of my rent but my XXXX XXXX XXXX  kept getting declined. So I waited for Wednesday XXXX  XX/XX/22 to call and verify what was going on as I knew I had funds in the account as my payroll was deposited. Side note I have been using XXXX XXXX checking & prepaid debit card for over XXXX yrs now and have been getting payroll from same employer for over 6 years. I called & was advised by XXXX representative that I was at or very close to the $ XXXX annual limit & because my payroll was paid 1 day early that the account was locked and under compliance review.This blew me away as I didn't get an email alert, written correspondence or anything advising of this. They just locked/ froze my acct. If I had been given heads up I could have switched my payroll to my regular bank so that I could access funds to pay daily living essentials. This has put me on a bind caused me to have to pay additional late fees. All my money is tied up and I can't pay for my living essentials. My account HAS BEEN locked for 30 days now. I was advised by multiple representatives & supervisor XXXX ( XXXX, & XXXX ) To name few that the review on my account should have taken XXXX business days from Wed XXXX which would have been Friday that XXXX XXXX could have closed my account as requested and send me a check of my funds that were in the account. I FEEL THAT THEY ARE HOLDING MY MONEY THAT IVE WORKED HARD FOR and are being unresponsive in giving me an exact accurate time frame to release my funds close the account and send me my money via check. It has been over a week now that my account has been locked with no update or call. I just want the account closed and my money Sent to me via check Asap Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) XXXX XXXX to release my money And Close the Account asap ; Contact by the business ; Refund
Product: Mortgage

Hi, I never obtained a payment coupon from the company for XX/XX/XXXX mortgage payment, nonetheless, I mailed in the check to their PO Box address that I found on a previous mortgage statement. I mailed the check on XX/XX/XXXX. I checked my bank statement today XX/XX/XXXX and I do not see it cashed. I called Loancare at their customer service and to my SURPRISE they said that they are not longer the servicer to my loan and in addition they have not received my payment. They claim that they mailed me a Notice on XX/XX/XXXX for making the XX/XX/XXXX mortgage payment to the NEW SERVICER. I told them I never got a letter. I obtain the phone number to the new servicer but they are not answering their phone number. I DO NOT WANT TO be charged a late fee and also WHERE SHOULD I MAKE PAYMENT? Please help.
Product: Credit reporting or other personal consumer reports

I se many inquires in my credit report without my permission 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. 
I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC.
Product: Debt collection

They keep calling like XXXX to XXXX times a day saying I owe money to a bank in VT and that I need to pay it. They start off by telling me they have my social security number, my kids names where I work etc. They say I owe over a thousand dollars for frauding a bank. They also say this was from XX/XX/2010 I do not owe anything like this. I have asked them repeatedly to stop calling me at work and they call right back within a couple of minutes. They ask to speak to my supervisor at work. Its always the same guy but he gives me different names. He refuses to give me the address of where his company is. He states he has given me all the information he will give me. The only thing I got out of him is his phone number which is XXXX. He says the company is called Sullivan Assets Management but when you call it he answers with a different company name. He has sworn at me because I refuse to give him any information. They also have my email address but they dont send anything in writing. When I tell them I am reporting them to the Attorney Generals Office they say it wont do any good and that they will continue to call me. They know my age which is XXXX because he says to me someone that is XXXX should be paying their bills. Its harassment and possibly a scam and I would like you to look into this.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Violations under 16 CFR 313, FERPA, and the Privacy Act Regarding Unauthorized Credit Reporting Dear CFPB Team, I am writing to request an investigation into violations of my rights under the Code of Federal Regulations, specifically 16 CFR 313, as well as additional protections afforded by the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. These rights are being violated by DISCOVER BANK. 
Under 16 CFR 313, certain rights are granted to me, including the right to opt out of information sharing that may impact my credit report. However, I am also protected by FERPA and the Privacy Act, which strictly regulate the sharing of my educational and personal information.

To outline my concerns : Notice of Right to Opt-Out ( 16 CFR 313 ) : I was not provided with a clear and conspicuous notice of my right to opt out of information sharing with credit reporting agencies. Under 16 CFR 313, such a notice i
s required and must be provided within 30 days, giving me ample time to respond if I choose to decline the sharing of my information.

Protections under FERPA and the Privacy Act : FERPA and the Privacy Act of 1974 explicitly prevent educational institutions from sharing personal information, including credit-related data, without my consent. Schools are prohibited from disclosing my information to third parties, including credit reporting agencies, without prior authorization.

Violation of Opt-Out Rights and Privacy Protections : By failing to provide an opt-out notice and disregarding protections under FERPA and the Privacy Act, my rights to privacy have been breached. I believe that any entries on my credit report resulting from unauthorized information sharing should be removed in accordance with these federal regulations.

Given the overlapping protections from 16 CFR 313, FERPA, and the Privacy Act, I respectfully request that the CFPB investigate these practices and ensure my rights are upheld. I further request the immediate removal of any items on my credit report that were shared without my explicit consent, as mandated by law. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing these concerns. 

Thank You.
Product: Credit card

On XX/XX/XXXX, my mother 's Barclays card was lost and used illegally until I reported it. The company is saying even after XXXX investigations that the charges were not fraudulent because verification was done over the phone and via text. My mother lost her phones as well. Also during XX/XX/XXXX, XXXX, and XXXX a caregiver was at her house in XXXX, XXXX. The letter is enclosed that shows this. Please reverse all these charges as they are fraudulent. 

Again during the days of all these charges, my mother did not have the cards and phones used for verification. It was used by the criminal or criminals that got a hold of her cards and phones. The phone numbers and phones she lost were XXXX and XXXX. 

A police report was called into XXXX, XXXX  as well. I am including the employee verification document by the company that provides the caregiver for my mom. Their Phone number is XXXX and the incident was called in on XXXX.
Product: Vehicle loan or lease

I went into the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, to purchase a used automobile. When and while negotiating for the vehicle we came to an agreement. To my surprise the car outlet charged me a " Voluntary Debt Cancellation ( VDC ) '' coverage in the amount of {$2200.00}. This particular fee and coverage was not explained to me nor was I advised of it when I was executing the documents. I had expressed to the dealership that I would obtain full coverage insurance on the vehicle and that my insurance carrier would cover any potential loss that may occur. This particular VDC fee had a {$1000.00} deductible if a loss were to occur. 

On XX/XX/XXXXI went to the XXXX XXXX to return the vehicle or enter into some better financial arrangement as I was experiencing some hardship with the moving of my business to a new location. The dealership refused to renegotiate lighter terms or extend the term of the loan thereby lowering the payment. I finally left the car in the custody of the dealership at their XXXX location. I left for my home to think about my options returning the following day to see that the car had been placed in their back lot with all the windows and trunk wide open allowing the rain to completely soak the interior of my car. The XXXX XXXX was under the impression that I had turned the car in and decided to walk away from the obligation. I discovered that the XXXX XXXX had purposely left the windows and trunk open in order to file a claim with the very insurance company coverage they had secretly sold to me. The interior of the car was full of water, mold and terrible odor. I had expressed to the XXXX XXXX what I had witnessed and they completely denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several letters to correct items that are not mine i.e student loans listed twice accounts that I did not sign for