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

- In accordance with the fair credit reporting Act XXXX XXXX XXXX Account XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXXXXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Product: Checking or savings account

On XX/XX/2020, US Bank approved my application for XXXX XXXX account number XXXX that was applied under promotion code XXXX. Although I have met the requirements of the offer, US Bank is refusing to credit my account with the promotional bonus of {$300.00} that I am entitled to or to provide justification for doing so. 

The Terms and Conditions of the bonus offer do not preclude a new customer like me from receiving the bonus when opening a joint account with an existing customer. Nonetheless, US Bank is arbitrarily denying the bonus that is payable to me and not to the joint signer. US Bank has not provided me with any documentation to support their position.
Product: Student loan

Starting on XX/XX/XXXX, when I received SNAP benefits, I have applied now 3 times now for a 12 month Economic Hardship Deferment from FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education, for my subsidized and unsubsidized Stafford loans. 

Since I am a SNAP recipient, by law I am entitled to a Deferment so that my subsidized loans do not accrue interest. 

However, FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education keep rejecting my application and instead placing my loans in short forbearance, first for only 2 weeks and today for only 2 months. 

I noticed this was never a problem under Obama, but was under the Bush administration and now under current admin and XXXX. 

I submitted the appropriate documentation, I am entitled to a Deferment.
Product: Checking or savings account

In reference to previous complaint # XXXX, I respectfully disagree with the response from First Horizon Bank and continue the claim with two simple questions and request to provide documents : Q # 1 Why can First Horizon Bank not reverse those unauthorized transactions? 
Q # 2 Why is First Horizon Bank in dispute with Depository Financial Institutes? 

Request to provide the following : 1. Written Statement of Unauthorized Debit Copy ( WSUD ) ( ODFI to RDFI ) : Kindly provide a copy of the Written Statement of Unauthorized Debit ( WSUD ) as submitted from the Originating Depository Financial Institution ( ODFI ) to the Receiving Depository Financial Institution ( RDFI ). 
2. Breach of Warranty Claim Against RDFI : Have you ever filed a Breach of Warranty Claim against the RDFI? If so, please provide a copy of the claim along with any responses received pertaining to the claim. 
3. Documents from the ACH Contact Registry : Please provide any relevant documents that may be available through the ACH Contact Registry.
Product: Credit card or prepaid card

I did a balance transfer with my bank of America account of a payment of XXXX in XXXX. I contacted XXXX XXXX to see if it went through. XXXX XXXX representative told me that they do not do balance transfers and I would need to cancel it because it will not go through. then called to double check with another representative via phone call and was still told to cancel it. So I then Called BOA and canceled that balance transfer. On XX/XX/XXXX, XXXX XXXX applied that XXXX " payment '' to my balance. So I called BOA instantly and asked them to charge me for that payment because I did not want to get into any trouble for fraud. Two days later, they took that payment from me and ever since XX/XX/2022, Ive been back and forth with Both banks trying to get the resolved. Bank of America sent proof of a cashed check that was cashed by XXXX XXXX. Bank of America has done several searches and found no proof of payment sent or returned to them. XXXX XXXX keeps ending my dispute saying they are not at fault. I have checked with Bank of America and I keep getting that Bank of America is at fault. I just want the XXXX applied to my card. I just disputed with XXXX XXXX and they are saying that Bank of America is the issue and needs to refund me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and of a XXXX XXXX data breach. The following bank accounts listed on my Early Warning Consumer Rrport ID : XXXX is fraudulent and unauthorized bank accounts that arent my bank accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon dispute with Syncrony bank acct # XXXX due to identity theft Syncrony bank have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Product: Debt collection

XXXX XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized accounts, my deragtory remarks. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX Account XXXX XXXX Filed : XXXX XXXX Type of Account : Collection XXXX XXXX XXXX XXXX, TX XXXX Phone:XXXX Reason : THIS IS INACCURATE
Product: Student loan

My wages are being garnished for over {$19000.00}, ( not for my student loan for over {$17000.00} ). 
I attended XXXX XXXX, that misled me about programs it offered, job placement, transferable credits ( when they weren't transferable ), how much money i would be making after I graduated, setting me up with loans even though I had no means of being able to pay for it. The school was closed due to their deceptive practices but since I missed the discharg date with the lawsuit by one year, my loans were not discharged. 
With both debts I will have to pay over {$36000.00}. I am on low income and will never be able to move forward and get out of poverty. I am struggling to pay my bills and support my family. I am currently falling behind on my bills due to the wage garnishment. I've been trying to fight to get these debts discharged with emails, messages, phone calls with Dept of Education. All papers i received from XXXX XXXX XXXX only stated from XXXX XXXX so I thought it was pertaining to my student loan. When I received papers from collection bureau I called Dept of Education asking them why I was receiving collection papers if my loan was on payment plan, they told me to disregard it because it was probably before I set up payment plan so that's what I did. Then when wages started getting garnished I contacted XXXX XXXX XXXX and they told me if I wanted any information I would have to get it from courthouse. I went to XXXX XXXX courthouse on XXXX XXXX, 2024 and they said they didn't have information on the exact reason for garnishment. 
XXXX XXXX had a huge lawsuit filed against them for the exact things they did to me. I was never notified of a lawsuit so I could have had a voice on how they deceived me and how they have ruined my life and an opportunity to achieve a goal and a career I wanted to pursue with extremely high earned salary. They sold me a dream and I fell for it, I put my trust in their word which has left me with no degree, not achieving my goal, no job as a XXXX XXXX and only making minimum wage to only be continued to be burdened by this debt with the garnishment and student loan. They already took my life away from me and they are continuing to do so all because I made the biggest mistake of my life... believing them and attending XXXX XXXX.
Product: Debt collection

Called my sister about a debt I owed ( which is non-existent without any previous communication to me in letter form or phone call ). They threatened criminal action and directed her to have my attorney contact her. I would like to have legal action pursued against them as this is unexcusable. They claimed she was a close contact, but she was not, I have not taken out any XXXX loan in a long time and have not listen her as a contact on any of them. This call happened today ( XXXX around XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I demanded re-investigation of Fraudulent accounts that experian validated without any written proof accounts were not mine This is clear violation of XXXX title XXXX XXXX ( a ) ( b ) .and ( c ) Duty to provide valid and accurate information And real investigation with actual documentation
Product: Debt collection

Vrituoso Sourcing Group has been calling me almost every day and a lot of times between XXXX and just before XXXX. 
On one of the instances, I answered the phone asking if they knew what time it was. One time I waited for an answer and was told that it was XXXXsomething. I replied that that it was XXXXsomething and hung up. The number is showing as XXXX, MD. The 3 hour time difference shows that theyre calling from the West Coast and not the East Coast. Im in Hawaii. On XXXX-XXXX-19, I called the number back and informed them that I was going to report them for harassment and calling too early in the morning. The woman said that there was nothing wrong or illegal about calling that early. While I was trying to speak, she talked over me saying that she would remove me from the list and hung up on me.
Product: Checking or savings account

you XXXX XXXX  closed my complaint without even using the correct information, let alone ALLOWING COMMUNICATION!!! I RECEIVED THE NOTICE I HAD A RESPONSE AND XXXX MINUTES LATER MY CASE IS CLOSED WITH NO RESOLUTION AND THE INCORRECT INFORMATION!! THIS IS XXXX AND I'M NOT GOING TO STAND FOR IT!!! 

THATS NOT EVEN THE CORRECT NOTICE!! TRY PAYING ATTENTION!! NOPE WE WILL RESPOND WITH EVEN MORE LIES AND MORE LIES JUST LIKE OUR ENTIRE COMPANY HAS BEEN PROVIDING FOR XXXX WHOLE MONTHS NOW!! HOW ABOUT PUTTING ME ON HOLD FOR ANOTHER HOUR AND A HALF, LIKE THR LAST XXXX TIMES I TRIED GETTING THIS RESOLVED!!! AND BESIDES THE FACT, CHECK YOUR CUSTOMER SERVICE AND YOUR PHONE CALLS SINCE I CALLED XXXX XXXX DIFFERENT TIMES AND WAS TOLD REPEATEDLY BY THE PEOPLE ON THE PHONE AND BY THE TELLERS AT THE BANK THAT I HAD, IN FACT, MET ALL OF MY REQUIREMENTS, I CALLED MULTIPLE TIMES IN XXXX And XXXX TO MAKE SURE!! SO M & T CONTINUES TO LIE AND MAKE UP XXXX TO TRY TO COVER THEIR LIES, AND NOW XXXX XXXX XXXX IS GOING TO COVER THEIR XXXX FOR THEM AND LIE TOO AND CLOSE A COMPLAINT BEFORE IT'S EVEN BEEN PROCESSED! SURPRISE SURPRISE, MORE LIES!!! I CLOSED MY ACCOUNT BECAUSE ALL OF YOUR PEOPLE LIED TO ME AND ASSURED ME I'D BE RECEIVING MY MONEY AND THEN DENIED ME A WEEK LATER!! HOW CONVENIENT You CLOSE THE ISSUE WITHOUT ME BEING ABLE TO RESPOND!! 

THEY DIDNT DO ANYTHING THEY DIDNT EVEN ANSWER THE CORRECT QUESTION OR USE THE CORRECT INFORMATION TO PROVIDE THEIR RESPONSE!! I HAD TO CLOSE MY ACCOUNT THERE BECAUSE THEIR EMPLOYEES ARE SO XXXX THEY CANT EVEN READ A XXXX FLYER THAT THEIR OWN COMPANY SENT OUT, LET ALONE PROPERLY ANSWER THE QUESTIONS OF THEIR MEMBERS!! THEIR OWN EMPLOYEES ASSURED ME ON over a XXXX  OCCASIONS THAT I HAD MET EACH AND EVERY REQUIREMENT AND THAT I ONLY HAD TO OPEN THE ONLINE ACCOUNT AND USE THE APP. CHECK YOUR CUSTOMER SERVICE RECORDS AND CHECK YOUR XXXX CAMERAS MAYBE BEFORE SENDING ME SOME XXXX XXXX EMAIL THAT HAS ABSOLUTELY NOTHING TO DO WITH ME OR MY CASE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted LexisNexis requesting that my information be suppressed and blocked, I received an email saying my information was suppressed as I requested. On XX/XX/XXXX, I applied for credit with XXXX XXXX and received a denial, stating they reached this decision based off of a report they received from LexisNexis company. This is a direct violation of numerous Federal Laws.
Product: Mortgage

I am trying to purchase a home for my wife and I and was turned for loan by core logic CREDCO submitting to the lender that I had no credit score. This not true as I have myself contacted all XXXX credit reporting co 's and got my credit scores from them. since I am a total XXXX Veteran, this has caused me a lot of sleepless nights.
Product: Mortgage

My mortgage is with Arvest Central Mortgage Company ( unfortunately ). I have biweekly payments set up through my bank to pay my mortgage. Every month I have to call them and ask them to apply my payments to my account. I set up my payments this way because it helps me to budget better month over month and with then intentions of paying my mortgage down faster. I have inquired about biweekly payments with ACMC, but the require a {$200.00} down payment and the charge 3 % per payment. Theyre already charging me interest on my mortgage, but they also was to charge me interest to make a payment. I find this extremely unfair and unconstitutional. 
Please have the OCC or XXXX  audit this process. I have worked in the financial industry for almost 20 years and have never experienced a process as such. This is not fair or responsible banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Product: Debt collection

I'm filing a complaint because my credit report has incorrect info that hasn't been fixed. As a victim of identity theft, I urgently demand that you address this issue promptly.
Product: Credit reporting or other personal consumer reports

I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised XXXX, Equifax and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account XXXX and Equifax decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a certified letter to Equifax detailing inaccuracies in my credit report. Equifax received this letter on XX/XX/2023. Within the letter, I provided a thorough account of the issues in my credit profile and attached a notarized letter for validation. Copies of my identification card and social security card were also enclosed for identity verification. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), such disputes should be addressed within 30 days. 

However, instead of addressing the issues, Equifax responded on XX/XX/, asking for further identity and address verification. Interpreting this as a delay tactic, I approached the CFPB and filed a complaint on XX/XX/. The case closed on XX/XX/. 

While I appreciate the CFPB 's efforts, I am dissatisfied with Equifax 's response. There are several inconsistencies : Inconsistent Communications : Despite Equifax 's claims of multiple investigations, I have only received two responses. The first was on XX/XX/, requesting more verification, and the second was on XX/XX/, noting they were still processing my initial dispute. 

Address Discrepancies : Equifax sent information to two addresses in the same month, raising concerns about their process 's reliability. 

Public Record Concerns : Unlike my XXXX and XXXX reports, Equifax 's report mentions public records, indicating potential inaccuracies. 

Having endured identity theft, I am acutely aware of the pivotal role of precise credit reporting. The ongoing presence of these inaccuracies jeopardizes my entitlements to vital services, including credit access and housing amenities. I sincerely hope Equifax acknowledges its obligations under the FCRA, respects consumer rights, and ensures a swift resolution. 

Equifax 's approach suggests they have not genuinely resolved my dispute nor complied with the FCRA 's guidelines. I urge the CFPB to reconsider my case or guide me on the next steps. I trust the CFPB to ensure fair practices and accuracy for consumers like myself.
Product: Debt collection

I have filed 3 complaints with General Revenue Corporation and XXXX XXXX has illigally denied my access to copies of any contracts, bills, statements or records that show that I owe any balance to Indiana XXXX or General Revenue. The only documents that XXXX XXXX from General Revenue Corporation are collection bills for the amount of {$450.00} and a collection balance {$90.00} totaling {$540.00} I believe your company has violated several of my consumer rights. Specifically, I have requested General Revenue Corporation upload copies of all documents already sent and any response to this notice through the Consumer Financial Protection Bureau Portal with the response- If you have the documentation needed legally and have already sent it in XX/XX/2019 to verify that this debt is owed to Indiana XXXX and that you have the rights to collect on behalf of Indiana XXXX . ( FDCPA ) 15 USC 1692f 809 ( A ) ( 4 ) ( B ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. 

General Revenue Corporation is trying to collect interest, fees, or other charges on top of the charges they accuse, is illegal according to the Fair Debt Collection Practices Act ( FDCPA ) 15- USC 1692f 808 ( 1 ) Unfair Practices- Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive proof requested above by mail and by uploaded response to the Consumer Financial Protection Bureau XXXXomplaint Web Portal, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.