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

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXX FCU Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX WI, XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$320.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX & XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX : {$570.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed to 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

I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have enrolled in a credit card debt consolidation program in XX/XX/2020 and the debt relief firm misled me completely by making me believe that I would save at least $ XXXX. It has never materialized because their estimates were completely off and this resulted in their fees being much higher than anticipated. 

While I was informed about their settlement fees, 40 % of the amount settled, they are not based on their so-called estimates made at the moment of enrollment, and there lies the dishonesty on their end. 

As a result, all settlements with credit card firms made so far have been close to the amount I initially owed and barely enough to pay the settlement fees. I am not saving any money but they get away with fee amounts that are nearly double of what I was told when enrolling. 

All that mattered to them if that I signed the contract. I later realized that their fees are calculated on the amount after 6 months of delinquency ( or more ), which they fail to tell me on purpose. 

To give you an example, I still have 2 big creditors, one of which I owe roughly {$3500.00} and the other {$5000.00}. Their estimates prior settlement are respectively XXXX and XXXX and settlement fees estimated at {$900.00} and {$1200.00} ... but the time of delinquency has raised the balances owned by much and their fees will be based on that very final amount instead of the settlement amount they obtained. Not only their {$1500.00} and {$2000.00} estimates will never come true and most likely reach between XXXX and XXXX respectively instead, based on their previous settlements with other creditors of mine. 

I had closed to {$20000.00} in credit card debts when I contacted them via the XXXX XXXX XXXX website and when all this is over in 3 years, I will have saved around XXXX dollars instead of the anticipated XXXX XXXX. I honestly hoped to find debt relief and now I am even worried that it is going to take longer to pay it all back. 

I wished I had known about filing a complaint months ago. 

I emailed them about it twice and they don't bother to reply because they know that they are deceptive. I have printed the sheet from my online account. And that means that the few XXXX dollars that they claimed that I would save are used to finance much higher settlement fees. 

This is a deception - no doubt! 

I made a search and many accredited firms seem to do this, many clients are complaining. Consumers deserve regulations that protect them. I should have filed for bankruptcy as the debt relief industry itself is very questionable. Such a practice is absolutely predatory, and if there is a way to join a class action ( or any law firm that works for free or by the commission ), I'd love to hear about the latter asap. I hope my name will be added to the long list of similar complaints. This matter is urgent in our very uncertain economic environment. 

Regards and looking forward to your email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. ( account # XXXX ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K 483
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

On XX/XX/2023 I initiated the return process for an item purchased from Best Buy, ( Order Number : XXXX, Total : {$410.00} ), by logging into my best buy account online and following through the instructions for beginning a return. Per the site instructions, the return for this item would need to be done in-store, at ANY location. 
On XX/XX/2023 I visited the Best Buy location in XXXX, CA ( XXXX XXXX XXXX XXXX ) and attempted to return the item. After several employees had difficulty with processing the return, it was brought to my attention that the item that I picked-up at the XXXX XXXX XXXX location, did not match the item on the purchase receipt. Although visually the same, the item had a different model number ( Model : XXXX ) and as such they could not return the item. As show in the attachment, the item in my possession has additional features and retails for a higher cost, but looks identical to the model I had purchased initially. The representatives in-store understood the mistake but only offered for me to return to the pick-up location and have the employees there correct their mix-up. No guarantees were made that the item would in fact be returned or credit offered for the mistake at any location. It was made very clear that they would not be processing a return at that store. 

I advised the Store representatives I would be disputing the charge and they did not present any objections. On XX/XX/2023 I filed the dispute on my Citi Card. I presented the documentation available to me, however the charge remains with no further action taken by Citi.
Product: Debt collection

Loanme is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.
Product: Vehicle loan or lease

I voluntarily surrendered my vehicle in XXXX 
I am asking for the foloowing information on XXXX XXXX  Itemization of Account : Kindly provide a detailed breakdown of all charges, fees, and expenses associated with the aforementioned account. 
* Documentation Regarding Original Contract : Please furnish all relevant paperwork pertaining to the original contract, including finance documents signed and a complete account payment history. 
* Repossession Details : I seek clarification regarding the repossession of the vehicle linked to this account : * What was the amount for which the vehicle was sold at auction? 
* When and where was the car repossessed? 
* What was the amount due upon repossession? 
* Compliance with Illinois Repossession Laws : I request confirmation on whether the original creditor complied with Illinois repossession laws throughout the repossession process. 
* Statute of Limitations : Kindly provide information on the statute of limitations applicable to this account, along with a detailed explanation of how it was calculated. 
* Participation in Lawsuits : I inquire about the possibility of joining any lawsuits that may arise against the original creditor. Please advise on the procedures necessary for participation in such legal actions. 

Company is reporting an active payment history on an account that has been closed over 3 years
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Credit card

American Express charged an account that was not my account and was asked to return the fund immediately and from that point on kept claiming that they returned the funds to me instead. I have disputed the claims for over 100 days and they kept sending me the wrong amount and charging me interest on the wrong amount. A {$2500.00} returned payment became a nightmare. American Express took it upon themselves to attach an account that was not mine on the app. They attached an account that was not mine. XXXX XXXX asked Amex to refund the account they did. I made the payment from my account after all but they kept charging me interest on the inflated amount. I have taken screenshots of the right account from the online payment account. They have been investigating this matter for over 100 days and still could not solve a basic XXXX grade math problem! I have provided bank statements from the citi bank account showing Amex charge and return after XXXX days. Amex is investigating the matter after 100 days could not prove that I owe them what has been shown in their statements.
Product: Checking or savings account

Bank was by an XXXX  XXXX ( XXXX  ). XXXX lost my POA and signature card. XXXX wants me to visit branch. I live in XXXX  and banch in XXXX. 

Account is overdrawn and they will not provide service because account is in my Mom 's name. Mom is in XXXX home. 

I need access to this account. I have resent POA.
Product: Credit card or prepaid card

In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried filing disputes concerning personal information listed on my XXXX, XXXX and Transunion credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, Transunion and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Product: Credit reporting, credit repair services, 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 Balance : {$440.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00}
Product: Checking or savings account

My checking account is attached to my XXXX account. My XXXX account was hacked and there was a XXXX charge made in XX/XX/2017. This caused me to have 5 overdraft fees. I notified Chase and they reversed the fraudulent charge. They sent me a letter 2 weeks later saying that they were taking my reversal back and adding the charge back to my account. This is unfair and I need help getting Chase to reverse the charge to my account that I didnt authorize and give me my XXXX plus the XXXX insufficient fee funds.
Product: Bank account or service

This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern.