23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, So, obviously with the pandemic going on, things have been tough for many people. I know that Congress has contacted banks to tell them to stop charging fees, and one of those banks was my bank, TD Bank. I contacted them on XX/XX/XXXX. The refunded me one of my overdraft fees, but not the other one. Two days ago, I received  another fee and it was a maintenance fee. 

In my honest opinion, I believe that it is incredibly unethical for a company to be continuing to take advantage of it's fee policy while a State of Emergency is going on right now. Many banks have put a hold on charging those fees, but TD Bank has continued to make sure it takes every dollar it can while many people are struggling. Can you please help me? 

Maintenance fees are {$15.00} Overdraft fees are {$35.00} ( if you went into overdraft with one transaction, they charge you an overdraft for for every single transaction until your account is positive again )
Product: Debt collection

The company XXXX XXXX self bank I have tried to contact several times regarding an old closed account with no success I have mailed called and emailed the company regarding the debt they are reporting to all 3 credit bureaus I do not owe this debt I was not aware of this debt and when I called in regards to the debt I was never contacted back, this debt has NEGATIVELY effected my health my mental mind state and my ability to get any loans or credit cards or any new credit because it is negatively effecting my credit, Not only is it negatively effecting my credit the company is not reporting the Debt accurately across all 3 credit bureaus according to FCRA it is report accurately across all 3 credit bureaus and it is not doing so, this account needs to be deleted immediately so I can move on with my life and have a fair chance at building my life and building credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Product: Student loan

Formal Complaint Regarding Predatory Lending Practices by Navient dear Sir/Madam, I am writing to file a formal complaint against Navient, the loan servicer, regarding predatory lending practices associated with my private student loans. 
Despite the closure of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to numerous violations, and the subsequent approval of borrower defense to repayment for my federal loans, Navient persists in aggressively pursuing repayment of my private loans obtained for the same institution. 
During my enrollment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was subjected to egregious instances of predatory behavior and misrepresentations by Navient. These practices included : Coercion and Duress : Navient representatives, acting on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX coerced me into signing loan documents under duress, I was forcibly removed from class and escorted to the office of a financial aid representative who was working with Navient the servicer of these loans who went by the first name XXXX Upon arrival, I was presented with loan documents and threatened with severe consequences, including expulsion from class and eviction from the dormitory, if I did not sign the documents immediately. Given that I resided in the dormitory at the time and my permanent home was in XXXX, New York, I faced significant hardship and felt compelled to sign the documents to avoid potential homelessness. 
Lack of Transparency : Throughout my time at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Navient failed to provide clear explanations of interest rates, loan structures, and repayment options, leaving me uninformed and vulnerable to financial exploitation.These predatory lending practices by Navient have had severe consequences for me and countless other borrowers. The closure of the institution and the subsequent approval of borrower defense to repayment for my federal loans underscore the severity of these violations that occurred
Product: Credit reporting or other personal consumer reports

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX. It was an XXXX card. For whatever reason XXXX decided to close this account. The account had a {$170.00} balance. XXXX took me out of thier system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an XXXX card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited 2 weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with Experian, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. PLEASE help
Product: Credit reporting or other personal consumer reports

I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure 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 Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 again without my permission which is against 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 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: Mortgage

my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017
Product: Vehicle loan or lease

****NEW AND UPDATED INFORMATION REF XXXX The company has admitted to being willfully noncompliant to the FDCPA and Truth In Lending. I will be addressing multiple violations within the contract and response provided by Credit Acceptance. First, FEDERAL law says you have to RESPOND to my debt validation letter as well as my cease and desist, in which you have failed to do and you are showing that you are willfully being noncompliant with FEDERAL law. Second, Credit Acceptance is a debt collector as defined by the FDCPA, you sent monthly statements to my email implying that I owed a debt.. which is the definition of what a debt collector ; please reread the law. Third, 15 USC 1635 says that the consumer has the right to rescind a transaction in regards to ANY consumer credit transaction. You FAILED to provide me with my right to rescind pursuant to the Truth In Lending Act which constitutes fraud. You have also failed to disclose that pursuant to 15 USC 1605, my insurance could've been included in my finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX XXXX 80 % back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call R.C.S collection agency because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act convergent accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA. 
The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint - XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX , OHio XXXX I have applied with several companies looking for work in the field of XXXX XXXX. I would have great interview but after I signed paperwork for a back ground check I would never hear from the company. I sent a letter to XXXX to get a copy of what they had in my file and I was sent a letter regarding a speeding ticket. I called XXXX and spoke to XXXX to confirm this was what they had and it was confirmed. My not being able to get a job went on for months and it made no sense because of my education. In XXXX, I applied with XXXX and they were not going to hire me because XXXX sent them a report saying I had an eviction. When you work in the field of XXXX XXXX you can not have an eviction. Companies will not rent to people with evictions and they do not want to Hire an employee with evictions. 
I begged this companies patience because I knew I had no eviction. I called XXXX and they realized their mistake and did send XXXX a corrected report and I was able to get that job. I sent XXXX a letter asking them to send corrected reports to all of the employers they sent this erroneous information to and a copy to me for my records and I was told by them, I would have to call all of the potential employer that denied me employment myself. And they never sent me a copy of the corrected report for my personal records. This erroneous eviction against me caused me a great financial hardship and a lot of mental stress. I almost lost my home, bills fell behind it was a mess for me. This erroneous eviction had been on record with XXXX since XX/XX/XXXX. I made contact with this company several times to confirm they had only a speeding ticket and NOTHING was every said or mailed to me about this eviction. The eviction Was NOT mine but it cost me months of not being able to get a job. I had to eat from food XXXX, pawn family heirlooms to be able to keep my utilities on, and my property taxes are still behind. I had to sign two separate contracts with XXXX County Auditors Office to keep my home from being sold for taxes and I am still owe {$800.00} on my property taxes. If I had a mortgage on my home I would be homeless. Had it not been for XXXX providing me a copy of what XXXX sent them I STILL WOULD NOT KNOW WHY I COULD NOT GET A JOB. I have received three letter concerning information being released : XXXX XXXX, I did not get that job, XX/XX/XXXX, I did not get that job. XX/XX/XXXX was the last letter I received. I was turned down for some awesome jobs I really wanted with fantastic companies due to the erroneous eviction and now XXXX can send me a corrected report or let me know what companies they sent the corrected report to and the dates. I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$11.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
Transunion and XXXX credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that Transunion Credit agency as well as XXXX comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC # 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
XXXX  : XX/XX/23 XXXX : XX/XX/23 Equifax : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.