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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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 XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. 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 XXXX XXXX XXXX XXXX XXXX  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. '' XXXX XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXXXXXX , Equifax and 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 XXXX, Equifax, XXXX or XXXX XXXX XXXX XXXX XXXX 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. '' XXXX XXXXXXXX XXXX XXXX XXXX  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 account 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. 15 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. XXXX XXXX, Equifax and XXXX 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.
Product: Money transfer, virtual currency, or money service

I canceled a funds transfer of {$200.00} with Moneygram on XX/XX/XXXX an as of XX/XX/XXXX my funds have not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXXXXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Product: Debt collection

This company Paragon Revenue Group keeps calling my phone and will not tell me what they are calling about, asking fir a male whom I do not know. They do not care what day it is or what time it is they consistently call 5 and 6 times a day. They cuss they claim I'm lying and it's ridiculous. Ultimately they hang up on me and it starts all over again the very next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) XXXX Jpmcb Auto Cu of Texas -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5500.00}
Product: Checking or savings account

I called TCF bank on XX/XX/XXXX at XXXX MST and they refused to close my account because they felt my reason for closing it wasn't valid. That's not their responsibility and they need to close the account.
Product: Checking or savings account

On or around XX/XX/XXXX, {$450000.00} was removed from my account bringing it to a negative balance. The money was placed back within a few days, but then my account was restricted. I could not access my funds AT ALL! At this point, I am unable to log in completely to my account, as they have not given me the access code to verify my information. I have been in communication via email with various people that have requested my information for verification, i.e., ID, social security, birth certificates, all of which has been provided. Access to the account is needed immediately as I am in the process of purchasing a home. At this point, the closing date has surpassed and the seller is considering backing out. It would be greatly appreciated if immediate attention is given to this matter. I have not heard anything from Robinhood since Saturday, XX/XX/XXXX at XXXX XXXX. At that point, they informed me that my account has been escalated, but it is still in the verification process.
Product: Money transfer, virtual currency, or money service

I have over {$70000.00} worth of BTC on my Coinbase wallet over 2weeks ago and I tried logged in and tried to send some BTC all for me to find out there was restriction on my account, I saw a notification on my email that I need to verify my email before I could trade again, I did verify with my UAE residency and it was confirmed and I was hoping that the restriction would be lifted but all to no avail, After a couple of days I couldnt login into my account again, Anytime I try login in all is see is my account has been temporarily disabled and I should contact support center which I have been doing with no reply apart from automated messages and its over 10 business days.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a few advances from this company over the last few years and I did not expect or understand the exorbitant interest fees they were going to charge me. I believe they are charging me a 360 % interest rate payment its my payments being around {$320.00} per month. I simply can not afford this anymore and am considering changing my bank acct so that they can not continue to charge me. When I tried to call them, I was taken to an XXXX XXXX  prompt which asks for your acct information. I plugged my information in like 5 times and the XXXX says that they can not retrieve any of my acct information.
Product: Credit card or prepaid card

I was charged {$200.00} from XXXX XXXX XXXX on XX/XX/21, my proof of purchase from XXXX XXXX XXXX shows a charge of {$120.00}. The difference is {$87.00}. I was also charged from the merchant {$36.00} for gas. The merchant credited the over charge that was paid in cash for {$36.00} to the credit card on file. Capital One on XX/XX/21 takes it upon themselves with all this documents provided to charge me back {$36.00} despite having all these documents in there lap. I am asking Capital One to credit my card {$36.00} for the error. I called customer service, and the dispute center is in another country and they do not understand math.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX sent me an alert that my credit score had been updated. Navient reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. Navient said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with XXXX and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.
Product: Mortgage

We took out a mortgage with BMO Harris Bank N.A . # XXXX on XX/XX/XXXX. We have never been late or missed a payment in over 20 years. In fact, we have aggressively overpaid {$400.00} each month on average for over 20 years. Additionally, in XXXX and XXXX we doubled our monthly payments several times. 

One year after obtaining our mortgage, XXXX, our house was destroyed by Hurricane Charlie and we were informed our insurance had lapsed for nonpayment of premium by BMO Harris. We had to sue BMO for intentionally slow payments to our insurance company. At the time BMO had our money in escrow but was playing a float game according to Florida Governor XXXX XXXX. We were out of our home for 3 years while pursuing BMO which put us behind in obtaining a contractor. During those 3 years we never missed a payment. 

Since the hurricane of XXXX we have had Hurricane Ian in XXXX repeat the same path as XXXX. We continue to make our payments plus additional principal reduction amounts. 

BMO has refused to provide the complete payment history of our mortgage. BMO has used multiple servicing companies for our mortgage and refuses to insist on their cooperation. We have paid ahead over {$90000.00} in an effort to satisfy our commitment before our retirement which was 7 years ago. 

BMO confirmed to us at our closing on XX/XX/XXXX that their recast feature was exactly what was in place to ensure we could substantially reduce the term of our note. We have repeatedly requested our payment history to no avail. We hired an attorney who tried multiple times to obtain the information but to no avail. Our attorney advised us that the only course of action was to sue BMO but advised us it would cost thousands and potentially take years because BMO would have their attorneys delay until we ran out of patience or money. 

Please advise us what our course of action and next steps should be to proceed. 

Sincerely, XXXXXXXX XXXX  XXXX XXXX
Product: Checking or savings account

I use Chime to take care of my money. Recently charges have been made to my account at a gas station ( XXXX ) in cities I do not reside in nor have I been in. The gas station is called XXXX and there are charges ranging from XXXX dollars to around forty. I have tried to explain this to Chime and have submitted disputes, which were denied the very hour of the very day that I submitted them. 

XX/XX/22 {$45.00} XX/XX/22 {$31.00} XX/XX/22 {$15.00} XX/XX/22 {$40.00} These charges are not valid. These charges also took place in XXXX, New Mexico whereas I live in XXXX XXXX, New Mexico. 

Furthermore, I DO NOT own a CAR or any other type of vehicle. Purchases at a gas station, for fuel, does not make any sense. 

I have tried to work with Chime, it seems as though their AI overrides their human interactions, which would have likely made the difference in these disputes. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning from XX/XX/2020 when I made a free account with TransUnion, it appears that they sneaked in a monthly subscription service under the guise of their free credit check. I haven't received a receipt since the initial one on XX/XX/2020 and had no idea that I was receiving this charge until today. I went ahead and cancelled the subscription but I'm shocked that they advertised a free service and then sneaked in a subscription.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX Illinois. I received a loan from Consumer Portfolio services and I placed a {$4000.00} down payment. The vehicle had issues that were not visible. Before I can get to my residence the vehicle broke down. I contacted the car dealer to no avail I contacted Consumer Portfolio services to no avail. I disputed the loan and tried to have it rescinded. The vehicle was repossessed and sold at auction however there is a remaining balance
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges of credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I ask for a quote on a refinance with take out. The quote after checking my credit score came at XXXX on closing cost. Them after the appraisal came at a cost of XXXX dollars the price of the house came XXXX dollars less than one done a moth before. Now my Neighboors are selling for XXXX in a week and their house does not have all the upgrades mine have. In addition to that this people kept on increasing the closing cost more and more and more. XXXX the XXXX and the last one of XXXX. That has to be wrong.
Product: Debt collection

I received 3 identical letters from a company called Resurgent on behalf of LVNV Funding. I reached out to XXXX  and they got a letter back saying that they had the write person and one letter was for an original creditor called XXXX XXXX XXXX  from XXXX, one was for XXXX  XXXXXXXX XXXX XXXX from XXXX, and the last one was from XXXX XXXX through XXXX XXXX in XXXX. I never applied or had a XXXX XXXX XXXX ever. I never had a XXXX XXXX card through XXXX XXXX because I do not do shopping at XXXX XXXX. I may have purchased gifts but never held a credit card with them. I have 5 different XXXX XXXX credit cards that are all used and paid when used since dating back to XXXX. They have never given me any information or anything. No credit card numbers, no proof of address, no proof of signature, and no proof of application. As a matter of fact, these 3 letters were the first thing I received EVER from a company called Resurgent or a company called LVNV Funding. I did do some reach to see about these 2 companies and it appears from the reviews that they do quite a bit of fraud. I do not want this to effect my credit or anything else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card

On XX/XX/23, when I was preparing to check & pay my Amazon store card balance, I found a balance of over {$1.00}, in purchases made throughout the month of XXXX. This purchases were not in my Amazon online account website under my purchase history. I immediately reported on XX/XX/23. My account was close and told it would be under investigation. Since then it was month with no correspondence, but instead was issued a new card with the diputed balance. When I called to asked why, I was told that this is procedure, but that I would not be required to make payment or have any negative affect on my credit score. Both un true. I have since have many calls and at there request sent them copies off my Amazon account, where none of the many purchases in dispute is shown. To this date I continue to receive payment request for fraudulent charges and accruing late fees.
Product: Credit card

This lvnv collection is the 4th collection on this account. This XXXX XXXX already took me to court to get their money and then they put it back in collections. This card was closed in XXXX and has Been in collections. I disputed the amount owed ut only had a XXXX limit and the account is old and should be removed even if they keep selling it does nit make it new. How can it be opened in XXXX but last use if it was XXXX? It can't they are liars and this has already been settled please close this account no more reporting it. This is for XXXX XXXX XXXX account has been closed since we XXXX. Please do not give them my updated address they don't need it this account is 9 years closed
Product: Credit reporting

Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX & Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by Experian and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX , XXXX XXXX 
The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
Product: Student loan

Over the course of time with the department of Labor my loan XXXX from XXXX to loan XXXX changed XXXX times each time after the first consolidation that I applied for each time the loan Servicers changed a new balance was restored to the new balance without a visible display on the website of the deductions show the new balance each time a payment is due the payment received dissolves and at the end of each month the interest is added and no where on the website does it show the deductions for making a payment the account balance is never reduced it actually increases.