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

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and Equifax. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy 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. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state 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. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXX BANK decide to ignore my request.
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and TD Bank. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I became a victim of Identity Theft. a family member stole my identity and bought a car. I found out a few years later and tried to call the dealership to find out more information only to find out they went out of business. I have never had this car, I have never bought it, only my name was used in the sale. XXXX XXXX sold this debt to NCB MANAGEMENT SERVICES who now is reporting me to all three credit bureaus XXXX, XXXX, XXXX. They claim I owe them {$4000.00}. I do not owew them a penny and will not pay them anything!. I do need the professionals behind me to help me in this fraudulent claim that NCB XXXX claims I owe. I have researched NCB only to find out they are a predator corporation that destroys peoples lives. I will not become their victim. This is my complaint I am a hard working person who is honest about everything. I need help desperately fighting this collections monster who preys on honest hard working people.
Product: Student loan

My loans are serviced by Navient. 
At one point several years ago, one of my payments was late, according to Navient. I have been enrolled in an IBR program which sets my monthly bill at a specific rate. At some point following the late payment, yet not immediately following it, they assessed a late fee to my bill and so I paid it. The late fee remains still in subsequent bills and I called the company who told me that it would not go away because the amount I pay doesn't cover the interest, and that is policy. The customer service person ( XXXX  ) assisted me in using the custom pay feature to pay only the regular charge, even supplying me with the specific amounts for each loan and instructed me to call Navient the following day to specify that I wanted the payments allocated in this way. I didn't understand it, but followed directions. I called back the next day and, coincidentally, the same customer service rep answered ( XXXX ) and proceeded to tell me that no, I couldn't actually do that. I was then assessed an additional late fee due to the misinformation. My complaint in that case led to the removal of that late fee, but not the original one. It is clear that Navient dislikes the IBR terms and is using policy to exact more money. A late fee should not equate to changing the terms of my monthly amount..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number 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

upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX. XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX I did not make these inquires, they need to be removed from my credit report
Product: Credit reporting or other personal consumer reports

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Product: Credit card or prepaid card

XXXX XXXX I had made a dispute XXXX of XXXX For a debit charge from XXXX XXXX XXXXXXXX I was denied I had then re submit and after a year I receive a letter XXXX stating I was awarded in my favor of the XXXX disputes grand total {$1400.00} I had file a dispute before for around for {$400.00} I was awarded that now the XXXX dispute is now saying I was awarded in the letter I received from bank of America and that amount is for {$1000.00} something sorry I can't get into my account to see the exact amount now I never once seen that money in my account And here is what bank of America said when I called in XXXX I believe there was a charge for {$910.00}. I never made a dispute doesn't understand at the time on this charge for the {$910.00} came from bit it was also credit right back to my account that's a wash my bank of America account was at a {$0.00} balance when that {$910.00} was taken but credit right back so that would be {$0.00} XX/XX/XXXX the letter that says I was awarded the XXXX dispute of {$1000.00} something when I called and asked about this letter bank of America said the {$910.00} plus we also gave you {$88.00} fake the difference How could bank of America you the transaction I never asked for a dispute on different days and month in total different cities and county 's It use that amount in saying they paid me and I'm awarded I then ask show me jn my account where u see that about ever given to me I get it you say its the {$910.00} read it and it says nothing on a of the same are not the amount I asked for So over a year I never seen what bank of American says they awarded me back please leg me know I'm trying to give you the details but I hope this made sense thank you in advance
Product: Credit card or prepaid card

I have had two business cc accounts with chase which has never been reported to my personal credit report unfortunately due to XXXX  which I suffered through very severe I was late over sixty days and for the first time, they started to report it to my personal credit file which is now causing me damage while applying for a mortgage. As per the CARES act, Chase would've deferred the payment upon request however, I wasn't capable of reaching out to anyone at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Transunion ) and no date for XXXX. All three bureaus are reporting different dates. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I'm not sure who to contact in regards to this - How do I owe a debt of {$25.00} where I never received any written notification about this debt and recently I received a random threatening call from a collection company on behalf of XXXX XXXX that apparently I had a bill from my old address. Under Duress, I simple went ahead and paid off this account and now i'm looking at my credit report and I noticed that there is a bill reported from the same company of {$25.00}. Honestly i'm not an expert on how to handle this, but this is a total violation of both FCRA and FDCPA.
Product: Checking or savings account

i tried too opened a bank account but i cant its giving me issues everything i am trying too open a new account for a new employment XXXX for direct deposit
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. 

XXXX XXXX XXXX opened XX/XX/2022 balance {$25000.00} reported a late payment on my credit report 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.

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: Mortgage

Chase currently advertising VA loans XXXX XXXX XXXX XXXX as well as the XXXX for closing for VA and XXXX if they don't close on time. 

Since XXXX  and so many others don't advertise VA rates I called XXXX at XXXX. 

I asked the mortgage rep who stated his name was XXXX XXXX VA rates. His response indicated cleary he has no clue. I literally had to spell it out " veteran administration loan '' He finally gave me a rate not sure if it is accurate as he sounded lost and confused. I went on to ask about buy down points still confused, I asked to speaked to a supervisor over XXXX times. He wouldn't transfer me, so I hung up and called again. I asked again for the VA rates and XXXX points allowed to buy down. 

XXXX stated that there is no one in XXXX ( over XXXX employees ) that he can transfer me to, he does not have any information on VA loans. He stated that I have to go online ( which doesn't provide ANY VA information ) or to a branch. I repeated this as this is the very first time I have ever heard a bank employee say anything on these lines. It's very alarming. 
One of the reps suggested I apply even though they were not able to provide me any information. 

I am a XXXX who has used my VA loan several times. I am not sure what is going on, if XXXX  does not want to service VA loans, why falsely advertise? Why so many hurdles for XXXX? How can the largest bank in the XXXX have no mortgage officer with a VA specialty? Why isnt that information advertised with employees name, number & email? How many XXXX are calling in and not being provided information on a product offered as a thank you for our sacrifice? Perhaps is this a reason my fellow XXXX are not using their benefits, banks are doing this like this which cause a veteran to use a conventional loan and put money down they may not had to? This raises so many concerns. We already have XXXX federal that appears to be denying loans on minorities XXXX and other dod employees. 

Why are bank such as XXXX, XXXX XXXXXXXX and XXXX allowed not to advertise rates for XXXX? Even XXXX XXXX and XXXX advertised all loans. Why must us veterans have to call just to get basic information? 

At the same time, all of these banks and other lenders are pushing people to blindly apply for loans without giving any information on the process and setting expectations. 

I understand we are in a digital Era, but does thst mean that it is okay to skip important pieces? Or make it so difficult to get routed to a person to ask questions on mortgages? I can only speak to this area as I have noticed this for awhile and I am seeing it again as I shop around for rates. 

Thanks in advance for your assistance, I hope real change can occur. 


Why would I apply for a loan with no information? Neither representative told me anything about the promotion that is advertised on chase.com I saw it Sunday and I checked prior to sending this message as well. 

That is bad practice, a home loan is an important milestone. Thus new just push people to apply seems to operate in bad faith from any lender that does not encourage people to call in first. It is well known majority of people have no clue.
Product: Debt collection

In the past week alone I have received no less than 150 calls a day from this company. I have attempted to make arrangements with them but the conditions they are requiring are beyond my financial means. I have asked them to stop calling and to correspond with me through email or mail. This has no effect. Having 30 calls a day is harassment.
Product: Checking or savings account

I filed a dispute with Truist bank in regards to charges on my account that I did not authorized or recognized at all after waiting days for the charges to post i then file a dispute for the unauthorized charges an my dispute was denied because no error howl when I never recived the physical debit card at all I made a report call immediately when I seen the transactions etc nothing Truist denied my claim an I know for a fact money was stolen from me this bank does not care about there customers how u close a dispute without proof it was me they were saying that the card was present I never recived my physical card I also let the know I do rent out room an not sure if a previous roomate had taken my card or not I was not sure I knew u didnt do it an I want my money back
Product: Debt collection

Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.
Product: Bank account or service

An ATM debit card claim was made with TD Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 Section 2 It also states a consumer reporting agency can not furnish an account without my written notices.
Product: Credit reporting or other personal consumer reports

CAN YOU REMOVE FRADULENT INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, XXXX, and TransUnion consumer report on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the bureaus on XX/XX/2021 and haven't receive a response from them. I think they have 30 days to respond to my disputes. This is unfair. When you call them most of them are not very helpful. This doesn't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date that shows when the bankruptcy was filed is showing XX/XX/2012. This date is incorrect the date that my bankruptcy was file is XX/XX/2012. Case # XXXX Also the credit reporting agency says they verified the account, but did not disclose how they verified the account and who they used to verified the accuracy of the account.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX I took out a title loan in XXXX CA. I received {$2500.00} cash and had a XXXX payment on the XXXX and XXXX of each month. I made 4 payments on time and then fell behind. XXXX XXXX XXXX I sent them XXXX. Today, XXXX XXXX, XXXX they came to my house and towed my car way. They want another XXXX plus XXXX for the towing cost. 

I did n't receive anything in writing, and was called with only messages to call them back. I think it 's wrong that I paid the entire loan amount but still owe over 1000.00 in their fees and now they tow my car.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specially cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( Efta ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I disputed XXXX XXXX XXXX as they are showing this account now to be open. Which it is a closed account and now my credit dropped XXXX points and also re aged this account. TransUnion came back as verified both times I have disputed this FCRA violation.