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

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 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. '' Affirm Inc . is a financial institution by definition under that title. Per 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. '' Affirm the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to this date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Affirm whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Affirm Inc has Never once informed me of any of my rights to exercise my nondisclosure option. Also Per, 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 without my permission which is a violation of 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 and XXXX are not maintaining reasonable procedures. Also Per 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: Credit reporting or other personal consumer reports

Ive been disputing theseXX/XX/XXXX accounts since XX/XX/XXXXXX/XX/XXXX For my friend using my information to get XX/XX/XXXX loans. Also each XX/XX/XXXX account shows incomplete and inaccuracies on my credit report. Which is a violation of the FCRA and Ive attached the laws below. My credit report inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Experian have yet, to do their job the correct way without relying on the furnisher or E Oscar system. Please investigate these accounts accordingly and delete these accounts from my report to avoid future litigation. Where are my results????? Showing validation of eachXX/XX/XXXXXX/XX/XXXX account? I asked for it XX/XX/XXXXXX/XX/XXXXwith a certified mail receipt and again XX/XX/XXXXXX/XX/XXXXand again XX/XX/XXXX. Because it wasnt provided within 30 days these accounts should be removed immediately. This is the exact reason, for the cfpb lawsuit against experian. 


Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Immediate Removal : Please promptly remove all fraudulent items and transactions associated with my account. 

Thorough Investigation : Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Communication : Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Security Measures : Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. 

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00}.
Product: Credit card

XXXX, my cell phone provider, shutoff my service for an unknown reason. My account was on auto-pay and my credit card had not expired. I have been with XXXX for several years. Because I needed to use my phone, the only option I had was to pay XXXX with my Sears/Citi MasterCard. I could n't even call XXXX to ask what was wrong. 
The very next day, I changed cell carriers, so I wanted a refund of the $ 35 monthly fee. I was willing to pay the prorated amount - {$1.00}. 
I submitted information about the billing dispute ( attached ) and they responded with 'you did n't provide us with information ' and they did n't say what information was missing.
Product: Debt collection

I was notified of a summons of garnishment by my current employer. After reviewing the summons sent to my job, Levy Law Firm Co., has my former name, address, and phone number from over 5 years ago. I called Levy Law Firm in XX/XX/XXXX to attempt to correct thewrong contact information and set up a repayment plan but they have not helped with anything. Im the sole legal provider for my son and Im now having difficulty paying bills because of the garnishment applied being pulled from my wages. My court date per the summons is XX/XX/XXXX for a total of {$4800.00}. I recently found out that this summons was sent to my prior address even after I requested it to be changed and the tenants at that property are texting a picture of the summons to individuals that now have access to my social security.
Product: Student loan

Trump gave executive order that ceases all collection activity for 6 months on student loans due to current covid-19 crisis. Navient, who is no longer servicing my loans to begin with continue to call in total disregard to that " executive order '' and " stay. '' I have contacted and made complaint with the Dept of Education - Ombudsman to initiate complaint and hopeful resolve and order for them to comply with that executive order. 

MY COMPLAINT CASE # WITH OMBUDSMAN - DEPT OF EDUCATION IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This regards a credit card for XXXX XXXX in XXXX. It was sold to a credit collections in XXXX. I was never aware of this credit until it was reported on my credit report XX/XX/XXXX. Since this is a 15 year old account, which I don't remember I thought this was supposed to drop after 7-years. I don't even know the amount. I do know it was under my maiden name XXXX, and I was married at this time. 
The credit collections is : XXXX XXXX, XXXX. 

If you can help me get this removed, I'm on XXXX and very ill. 

Thank you, XXXX XXXX XXXX XXXX.
Product: Student loan

I've taken some time to review my payment history for XXXX and have noticed some differences between what is listed on the Mohela site and what my bank account lists as payments sent to Mohela. 

I sent Mohela a secure message on XX/XX/XXXX asking them to review the transactions. They have not responded. I filed a complaint with FAFSA on XX/XX/XXXX. They have not responded. 

XX/XX/XXXX : Mohela lists payment received : {$170.00} My bank account lists payments sent to Mohela : {$250.00} and {$550.00} XX/XX/XXXX : Mohela lists payment received : {$230.00} My bank account lists payments sent to Mohela : {$230.00} XX/XX/XXXX : Mohela lists payment received : {$220.00} My bank account lists payments sent to Mohela : {$600.00} Mohela lists my total payments for XXXX : {$4600.00} My records show my total payments for XXXX : {$5600.00}
Product: Debt collection

I requested to validate the alleged debt on XXXX/XXXX/XXXX via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Revenue Assurance Professionals received the registered letter on XXXX/XXXX/XXXX. It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefore, Revenue Assurance is illegally reporting a invalid debt.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to Experian, XXXX and XXXX asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
Experian : Report Number XXXX And Ive uploaded photos from XXXX and XXXX XXXX XXXX show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges
Product: Credit card or prepaid card

Step 1 : What is this complaint about?

This complaint is about an interest fee charged after I paid my account balance in full.

Step 2 : What type of problem are you having?

The company charged me an interest fee on a zero balance. Then sent me a bill with the interest fee to be paid.

Step 3 : What happened?

I contacted them, and spoke to customer service and to a manager, and they both refused to remove the interest fee charge, and told me that I paid the bill off too early, and the fee still applies, so next time pay the bill on the billing date.

Step 4 : What company is this complaint about? 
Victoria Secret Store card.

Step 5 : Who are you submitting this complaint for?

Myself.
Product: Payday loan, title loan, or personal loan

Hard checked my credit twice. XX/XX/XXXX and XX/XX/XXXX. I had already received a loan with them from the first check, but they then gave me another hard check. It is completely an error on their part, as they checked it under their business, Goodleap, and through another service provider that confirmed Goodleap requested the info. Goodleap refuse to take the 2nd fraudulent check off my credit report, even though it was a mistake on their end. 
Called 2nd week of XXXX, but I did not write down the date. Was told I would get a call back from " XXXX '' about what happened. Never received a call, so I called XX/XX/XXXX where I was transferred to nowhere twice. XX/XX/XXXX I called again, and was told that they thought it would be easier for me to report it and do the work of getting the fraudulent check off myself than for them to request it. They refused to even try, stating they don't have people who fix these errors.
Product: Credit card or prepaid card

I paid my Chase credit card bill that was due XXXX/XXXX/17 on XXXX/XXXX/17 at XXXX and was subsequently charged a {$25.00} late fee, because Chase has a XXXX payment cutoff for online payments. The company also charged me a {$23.00} financing charge for interest. This is not the first time I 've been charged this fee as I 've had two fees waived before where I made a payment on the due date but after the cut off time. The most recent time the Chase employee I spoke with told me if I paid over the phone after XXXX I would not be charged a late fee. I attempted to pay by phone on XXXX/XXXX/17 to avoid the fee, but needed my full 16 digit card number to get through to anyone. I did n't have my credit card on me and I spent probably ten minutes going through different options trying to find one that allowed me to speak to a real human, but every time it wanted my card number. Therefore I paid it online and figured they would refund me given my attempt at phone payment. They did not. While {$25.00} is not a huge amount, this is a predatory practice these lenders use to pad their returns ( I know, I am a XXXX XXXX and speak with their management teams frequently ). Chase claims it says on my statement there is a XXXX EST deadline, which it does, but it 's in the fine print in the middle of the bill and no where near the portion where it tells you the amount and the due date. Given the small fee I wonder how many people this happens to that either overlook it, are too lazy to call them, or have the same experience as me. Point blank, if they have a cut off time of XXXX EST then that 's my due date and that 's what should be displayed as my due date, not just a generic date ( i.e. XXXX XXXX, 2017 ). Interestingly, Chase does n't even have the capability to issue a refund for this beyond the second instance, which I know because I spoke with a supervisor to attempt to get my fee waived who said there is " no way to override the system. '' This says to me senior management purposely programmed their system to take advantage of people who pay on their due date but past some arbitrary time deadline and are banking on the fact its a small fee that probably wo n't drive the customer away. Please change this practice. Chase is the only company I 've had experience with that has a time deadline rather than a day deadline.
Product: Debt collection

In a letter dated XX/XX/year>, Portfolio Recovery Associates only provided evidence that the debt they bought from XXXX XXXX exists ( see Complaint No. XXXX ). They did not provide anything that could justify the causal relation between XXXX XXXX 's deprivation of my right to Accessibility and the fact of the debt. Historically, XXXX XXXX has been hostile to me when I sought to prevent the debt in vain ; the Specialty Assistance Program was supposed to help me with this, but it did not. PRA failed or refused to provide any evidence of justification for this. 

On XX/XX/year>, at XXXXXXXX XXXX, while I was in the middle of handling the aftermath of an assault and battery ( I failed to allege battery ) by my brother, PRA made an inappropriate phonecall that disrupted my ability to effectively communicate with the police, PRA 's infliction of emotional distress resulting in further exposure to police misconduct ( which has been impacting my credit and financial health for over twelve-and-a-half years, now ). PRA helps prevent me from repaying any debts this way, just as XXXX XXXX did by denying and disparaging my right to Accessibility. At XXXX XXXX  and then again at XXXX XXXX I contacted the CFPB to discuss the unwanted contact, resulting in this complaint being filed online ( I could only access digital evidence for this complaint ).
Product: Debt collection

Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX   and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized JPMCB Card Services Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).
Product: Credit reporting or other personal consumer reports

have reached out multiple times about Account XXXX XXXX and XXXX who have been reporting since XXXX XXXX in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802. 
15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Mortgage

After having unexpected expenses in XXXX 2015, I fell behind on my mortgage. My mortgage is new and I am the only one employed in a household of XXXX. I have applied for help 4 times and denied for various reasons, one being I need to show an INCREASE in income. The only resolution they gave is to pay 2 payments a month which would be XXXX, almost XXXX of my income. I since applied to XXXX the hardest hit fund for assistance and was told the only issue that will result in denial is that my servicer is not a participation lender in the program. I was told to contact mortgage company and request they participate, their response was no! I looked further into the program as I could n't believe a mortgage company would n't accept funds to help prevent foreclosure from a federal program. I found that my servicer was a participant in other states including XXXX, XXXX, XXXX and probably more. I need help to catch up and I want to keep my home. I have no intention to let my home be taken away from me and my family. I have since addressed the new information with my servicer and was told " they will get back to me ''