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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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. The above companies have not verify proof of my identiy, drivers licence or signatures
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 6 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of 25000 yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I have been a loyal, consistent customer of Afterpay since XX/XX/XXXX. I have spent thousands of thousands and mades hundreds of purchases utilizing Afterpays services. I have been never missed a payment, I've never been late, and despite being an independent contractor who lately has been in and out of work, I've remained committed to my obligations with Afterpay. I've been laid off 7 times since XXXX hit in XXXX. This year, I found out that I was XXXX  and was laid on subsequently. Knowing that I'd struggle to make my payments on time and put food on the table for my family, I contacted Afterpay for a hardship arrangement in XX/XX/XXXX, as I've had to do in the past. They rearranged my payments, and I made them as agreed. When I completed my program early, I requested that my account be " unfrozen '' so I can break down purchases for my little one in smaller bits. Afterpay ignored me for 10 days and on the 11th day, I reached out to them on social media to request that they please respond and reinstate my account. Instead of responding, they closed my account and advised I'd no longer be able to use AfterPay moving forward. I was stunned - No one ever told me that taking any number of hardship arrangements to proactively maintain my account and my relationship and my credit would result in losing access to nearly 5 years of loyalty and established report. I have contacted and requested that this be changed, and was told that the decision to do so came from " higher leadership '' and could not be overturned. I requested that they unfreeze my account and like credit decisioning decide my credit worthiness like every other customer, but they have since stopped responding to me. I have requested for either my account to be unfrozen or a contact for their legal department so I can have my lawyer file suit for discrimination due to XXXX and refusal to provide services, unfair lending practices, and refusal to allow reasonable modifications, but no one will respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.
Product: Debt collection

I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
Product: Checking or savings account

on XX/XX/2021, i deposit {$2300.00} to my checking account on Bank of American ATM at " XXXX XXXX & XXXX XXXX, XXXX, New York ''. but the ATM only give me a reciept of {$1300.00} in total. i checked my account right away, and there is only {$1300.00} deposited to my account. i asked the people in the branch, they said i need to call the number on the ATM. they can do nothing about it. i called the umber on the ATM, and they opened a case for me and ask me to wait for them to investigate. 
on XX/XX/XXXX, i received a letter from Bank of American told me they can not approve my claim. on my apoint of view, i did put {$2300.00} in the ATM in total, but i only got {$1300.00} in my account. where the missing {$1000.00} could go. there must be a differrent when they close that ATM, how cound they just ignor that much different.
Product: Mortgage

I 've been working with an attorney for several years to get a a loan modification due to hardship from my husbands loss of employment. Bank of America granted a DOJ modification with principal reduction and impounded taxes in XXXX XXXX. It was finalized a few months later. In XXXX XXXX the loans wa service released to XXXX XXXX XXXX ( XXXX ). Shortly after the release of the loan to XXXX, I received a notice from Bank of America Escrow Dept. and XXXX separately, saying that we had an escrow shortage of {$20000.00}. I thought for sure this had to be an error since Bank of America no longer serviced the loan and we had received the modification with all past due balances and escrow delinquencies into the the back end of the loan. A few months later, I received our annual property tax statement showing the taxes had not been paid. I contacted XXXX to ask why taxes were not paid since the loan modification includes an escrow impound account. They looked into it and then notified me that the taxes would be paid immediately. At that time, I also questioned the escrow shortage that was still showing on my account. I was told to write a dispute and send into the XXXX resolution dept., which I did. The response was that Bank of America, the previous servicer, did not capitalize the total amount of delinquent taxes. So when the prior servicer paid the taxes after the modification was processed, this created a negative escrow balance. I still dont understand how this can be the case. I contacted the county tax assessor which told me the taxes were all paid to date and a refund was coming to me. I responded to XXXX with another dispute still requesting resolution for the escrow shortage with proof from tax assessor that a refund had been issued and all taxes paid. I requested refund be applied to my account. XXXX replied with the same information that Bank of America transferred the loan with an escrow shortage. A few weeks later, I received an audit from XXXX stating that my mortgage payment would increase by about {$750.00} per month for 36 months to account for the erroneous escrow shortage. A few after that, XXXX service released the loan to XXXX as of XXXX XXXX, XXXX. I have tried to contact Bank of America to get any sort of resolution and ca n't speak with anyone. I havent been able to get resolution with XXXX. I am at a loss as to where to proceed. I CAN NOT afford any increase in my mortgage payment. I hope and trust that Consumer Financial Protection Bureau will look into this serious matter and assist in a fair resolution.
Product: Student loan

I work for the XXXX XXXX and have for a total of 20 years, I have been filling out paperwork for years trying to get these loans on an income based plan, which interestingly enough calculates out to zero payments every month, this is why I am ignored and it keeps showing up on my report. These student loans through navient should have been forgiven years ago
Product: Checking or savings account

I believe in XXXX I wanted to consolidate and close some of my accounts at Chase. I closed 3-4 accounts and left one open. I spoke with the teller who informed me that no minimum was required to leave the account open and receive no service fees. I left {$500.00} in the account. 
The next month I received a {$12.00} service charge for not maintaining the minimum balance. I spoke with the general customer service at Chase who informed me that they could not help and to call the local branch. I called the local branch manager who explained the {$1500.00} minimum. She also said that if I brought in {$1000.00} that she would waive the fee and ensure that it did not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with a teller. I explained the situation and she waived the fee and assured me that this would not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with the local branch manager and she informed me there is nothing she can do and told me to close the account. She will not waive the fee. 
I understand fee 's and minimums but I was mislead and deceived 3 times about the status of my account and future fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Student loan

On XXXX Navient called 8 times using an automated system. No voicemails identifying who it was or what it was for. I never gave consent to contact my cell phone which is documented in my profile according to their website as " Cell phone consent = None ''. Repeatedly calling within a single day is clearly harassment intending to annoy or abuse. When I was able to return the call that same day the offices were closed. I have the call logs for each of these calls from two different numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX contract ended. I then decided to keep my mi-fi device on a monthly basis. I paid the last bill and then did not use the service and cancelled the service since my XXXX service now had hotspot. I then received a bill for approximately 2 months of service. I called them and they said I owed it. I said no i do not and I checked my statements and I believed I didnt owe the bill. Since the bill was only {$110.00}. I put a disclosure on the back of the check which they cashed on XXXX XXXX 2015. The disclosure was cashing of this check you agree to remove all derogatory remarks from the credit bureaus. I still do not believe I owed this amount however I paid it to get them to stop calling me. <P/>XXXX submitted the check that I sent in with the disclaimer as an ACH. I specifically wrote a check with a disclaimer on it so that it would not be processed as an " electronic transaction '' in order for me to have a copy of the check front and back with the banks documentation. I have asked for a copy of the check from XXXX and they do not have a copy of the check because of the way XXXX processed the check. When I call XXXX for a copy of the check they said the only way I can get a copy is a court order or subpoena. <P/>XXXX is saying they " wrote the account off ''. This is not true either since I paid XXXX directly for the full amount owed. <P/>I can not upload any documents as proof of this since I do not have the cashed check through the bank. I only have an XXXX Id no.
Product: Checking or savings account

On multiple occasions I noticed a {$20.00} overdraft fee on my checking account. This fee was charged despite my account having a pending deposit that should have covered the transaction. I would called customer service and would be told the fee was valid due to Navy Federal 's posting order. However, this posting order was not clearly explained to me when I opened the account, and I believe the fee is unfair and also double charges the customer.
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.XXXX XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting or other personal consumer reports

I submitted an online dispute with TransUnion regarding an inaccurate bankruptcy appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and respond within 30 days, yet I never received any response or documentation verifying the accuracy of the bankruptcy.

Because TransUnion failed to verify the accuracy of this bankruptcy within the legally required timeframe, it must be removed from my credit file immediately. TransUnion has also failed to provide any notification, supporting documents, or resolution to my dispute, which is a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.