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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXXXXXX XXXX Works ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Works ) Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Debt collection

A company was hired to do a survey of some land I was purchasing. It did not appear as though a deal was going to be met and I advised the company to hold off on the survey for the land. I did not purchase the land and the company did the survey anyway. I also have an email saying they would not do the work until the entire amount was paid in full. I do not think I should be liable to pay this debt and it to appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. 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. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.
Product: Checking or savings account

Back in XXXX  Navy federal credit union close my checking account due to overdraft fees that was not explained through contract or verbally.when I tried to reach out to company for explanation I was to the topic did not have to be explained. The overdraft fees was not explained and I believe I was overcharged on the overdraft fees.
Product: Checking or savings account

I called this company numerous of times Navy Federal Credit Union because I was being fraud 2xs they gave me a provisional credit and. A new card ok cool then come back and say we didnt find any error so we closed the case ok a second time same thing how do these people keep getting my information you guys advertising that you will protect my money but definitely not showing it and Im definitely not gettin. Protected at all and now theyre holding on to my money saying that I cant get it out because its theirs when some one overdrafted my account Im closing this account out I see why no one wants to come here because yall are bad for business and definitely not who you say you are and Im posting this situation in social media, news companys etc so the whole world can know that you guys are fraudulent and definitely dont protect other people information i am now behind on my bills thanks to NAVY Federal and give me my money or Im getting a lawyer involved in this and thats that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are several are several inquiries that are not mine. On my TransUnion its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/year> I applied for a credit card through chase bank to obtain an extension of my credit and was denied any consideration after giving my application. I would like for this matter to be without litigation because my rights have been violated according to TILA and ECOA. Lastly this falls under countless civil claims such as breach of contract/breach of fiduciary duties/discriminationetc
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 : DPT ED/XXXX Account Number : XXXX Account Name : XXXX  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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, late XXXX, I started getting emails from Experian about a new membership which I had not created and my account being locked and unlocked and so on. I thought perhaps I had just forgotten that I created the account, although I had no confirmation emails or other record of doing so. I tried to log in anyway and ran directly into two red flags : I didn't have a password saved in my password manager, and when I tried to reset it I was asked if I wanted to send a verification code to a phone number that isn't mine. It wasn't clear what other pathways I had to reset the account. This morning, XX/XX/XXXX, I finally had time to call and try to figure out what's happening. After calling every customer service number I could find online, and trying every different pathway through their automated phone system, I was continually redirected and prevented from asking my actual question or being placed in a queue to speak to a human specialist. I have no idea how else to resolve this fraudulent membership issue and am now worried that it's either some kind of data breach at Experian or petty identity theft that they're enabling.
Product: Credit card

Subject : Complaint Against Discover Card for Unfair Account Closure and Negative Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against Discover Card regarding their handling of my credit card account, which I believe constitutes unfair and potentially illegal practices. 

On XX/XX/XXXX, I received an email from Discover Card stating, " We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. '' This action was taken without prior notice or any attempt to contact me for verification of my identity. 

Here are the specific issues I have encountered : Lack of Prior Notification and Verification Request : At no point did Discover Card communicate with me to request any form of identification or verification of personal information. I opened this account on XX/XX/XXXX, and have been making timely payments on this account for several months, indicating my active and responsible management of the account. 

Unwarranted Account Closure : Discover Card closed my account on the grounds of unverifiable personal information without providing an opportunity for me to address or correct the issue. This closure was abrupt and unjustified given my payment history and consistent account activity. 

Negative Impact on Credit Report : Despite claiming an inability to verify my personal information, Discover Card has reported the account closure to credit bureaus, indicating that the account was closed by the creditor. This action negatively impacts my credit score and overall credit history, which is particularly troubling since I have not been delinquent or irresponsible with my payments. 

Extenuating Circumstances : In XX/XX/XXXX, I was hospitalized with XXXX for 10 days and spent months recovering from related health issues. I have documentation to verify this if needed. Additionally, I had to return to the emergency room on XX/XX/XXXX and XX/XX/XXXX, due to complications from my illness. Due to my hospitalization and recovery, I missed the XXXX payment. Upon resuming my financial activities, I discovered that Discover Card had closed my account. 

It is perplexing and concerning that Discover Card can claim they are unable to verify my personal information while simultaneously having enough information to report to the credit bureaus. Furthermore, at no time did Discover Card reach out to me to request any form of identification or verification to resolve this issue. 

Given the above points, I believe Discover Card 's actions are not only unfair but potentially in violation of consumer protection laws. As a responsible consumer, I should have been afforded the opportunity to verify my information before any adverse action was taken against my account. Additionally, if they were truly unable to verify my personal information, it raises the question of how they could report accurately to credit bureaus.
Product: Debt collection

This account is being reported as delinquent XX/XX/2024 to all XXXX  credit agencies. As you can see from my upload this account has XXXX balance and was closed in XXXX.
Product: Bank account or service

I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.
Product: Student loan

I am writing to file a formal complaint against Mohela, my student loan servicer, regarding improper billing practices and inadequate customer service. I am currently a XXXX XXXX XXXX and as such, my student loans are automatically deferred under federal guidelines. My full-time enrollment status has been verified with XXXX, which accurately reflects my XXXX XXXX in XXXX XXXX  Despite this, Mohela has been billing me as though my loans are not in deferment.I have made multiple attempts to resolve this issue directly with Mohela. Unfortunately, these efforts have been met with significant challenges and despite XXXX confirming my enrollment, Mohela has failed to honor the automatic deferment. 
Further, when contacting Mohela to address the matter, I have been placed in an unproductive loop of transfers and excessive hold times. Each interaction results in being shuffled between representatives with no resolution or meaningful follow-up. 
This situation has caused me unnecessary stress and wasted valuable time that could have been devoted to my studies. Furthermore, I am concerned about potential negative impacts on my credit score or financial standing due to Mohelas mismanagement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Carrington Mortgage Services is the servicer of my FHA mortgage. I received a letter from my local tax office informing me that my XX/XX/XXXX city taxes that were due XX/XX/XXXX are now delinquent and a tax lien will be placed on my property if taxes are not paid by XX/XX/XXXX. After contacting my local office to inquire about the letter, and Carrington Mortgage Services, I have determined that Carrington Mortgage Services did not pay my XX/XX/XXXX city taxes from my escrow account. Carrington Mortgage Services has not been helpful in resolving this issue. When I contact them, I immediately get transferred to XXXX XXXX XXXX. After contacting Carrington/Lereta for the past week ( 5 business days ), the only information I have been able to obtain is that " the situation is being researched and escalated. '' I have not received any other information to confirm taxes are in the process of being paid. Infact, I have not received return phone calls as promised from XXXX, to update me on the status of my unpaid taxes. 
In summary, my XX/XX/XXXX city taxes were not paid from my escrow account and a tax lien is going to be placed on my property if taxes are not paid by XX/XX/XXXX. Carrington Mortgage Services has done nothing to help resolve this issue since I made initial contact with them on XX/XX/XXXX when I faxed them a copy of the delinquent tax notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY CAPITAL ONE DENIED ME BASE OF XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY CAPITAL ONE IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has been reporting improperly which is a violation.
Product: Checking or savings account

On XX/XX/XXXX, I woke up and noticed i didn't have cell service. I called the provider and was told that the number and service was transferred to another phone ( I didn't do that ) and they transferred it back to my phone as I requested. That day, I could not get into my personal email, online banking, or into my 2 credit cards online. When finally i could, I noticed I had fraud charges on my 2 credit cards, 2 fraud transactions ( {$40.00} & {$1800.00} ) were pending in my checking account and $ XXXX was moved from my savings to checking account ( also pending. ) I rushed over the same day to my bank and told them to stop those charges and transfers and they opened new accounts for me but they said I couldn't stop the fraud transactions and that i had to wait for them to clear. I waited, disputed them on XX/XX/XXXX, when they had cleared. When they had cleared, a phone number showed on the {$1800.00} transaction in online banking so I called that and learned it was a XXXX XXXX transaction. I called XXXX XXXX and they gave me a case number of XXXX, with a recipient in XXXX, and told that they agreed it's fraud and to give case number to bank and law enforcement, which I did. I filed the case with the XXXX XXXX  department as well. The bank gave me provisional credits on XX/XX/XXXX for the {$1900.00}, but on XXXX they reversed the {$1800.00} and I did not get this money. They said that they have no chargeback rights moving forward and to contact the merchant and that they could do nothing for me. I called XXXX XXXX and they said that bank had NOT contacted them and that the money was already transferred and that they could do nothing. I've also filed an XXXX report and to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts has 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 an account without my written instructions
Product: Debt collection

I have sent certified letter to the debt collector requesting verification of the alleged debt. I have not received proper verification. I have requested a cease and desist letter to the collector and continue to receive calls.
Product: Vehicle loan or lease

XXXX  has posted an account from Wells Fargo stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.         WELLS FARG O DLR SVC {$3 300.00} Charged off account Fixed rate
Product: Vehicle loan or lease

The bank will not give me a statement with the current status of my loan. They will not give me a statement either. They will give me a line item payment history and a payoff amount. 

I need to verify my account is current and they are unwilling to provide me with any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to transunion regarding inquires on my credit report on XXXX/17 by fax advising that the only authorized inquiry I made was with XXXX XXXX XXXX all and requested that all other Inquries be removed as I did not authorized them. I recieved a letter in the mall stating they were not removing them. I sent a 2nd fax on XXXX17, recieved confirmation that it was recieved .There was a computer glitch that caused inquiries to be deleted .Transunion later added them all back onto my report without giving me the legally required notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them them delete the inquiries that they illegally re-added.These inquiries add hardship and my rights have been violated by Transunion and as of today XXXX/17 I still have not recieved a response back from them.
Product: Debt collection

Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.