23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. 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 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies experian 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 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: Money transfer, virtual currency, or money service

I called my financial institution ( Chase Bank ) at XXXX several times over a 1 and 1/2 hour time span on Saturday afternoon ( XX/XX/2021 ) to report a fraudulent activity of {$320.00} from my bank account using XXXX as soon as I got off the telephone with the scammer posing as an XXXX  representative from the billing dept. 

I first called Chase customer service on two different occasions and both times I waited closed to 30 minutes while the call was being transferred to the Claims Dept. I called a third time and was given the telephone # XXXX to call Claims directly but each time I called this telephone #, a " telephone banker '' would answered and kept transferring me to the Claim Dept,, which I advised I have been dialing and was not getting the appropriate response but she stated they were working, I called a fourth time to speak to a male supervisor and explained my situation. The manager stated that because it was the weekend, not enough staff is available but stated he was going to transferred the call, yet again to the correct dept. and would stay with me until my call was picked up so I can file my claim, The manager transferred the call and an automatic message prompted the wait time to be 50 minutes. 

In times of urgency, I did not have the opportunity to report and possibly stopped, or at least attempt to prevent my funds from being taken out of my account on a timely manner as Chase Bank 's telephone customer service in the Claims Dept was not available.
Product: Debt collection

On XX/XX/2022 XXXX XXXX called me and asked if I would want them to send me the medication, I told her that if I buy the medication at the local store, I only pay about {$30.00} a month and I don't need to use my insurance. She then told me that the medication that she sent will be free after my insurance pay. She confirmed three to four times after I asked. 

A month later, I received the bill of {$85.00} copay for the medication that she sent. I called XXXX XXXX, they said that they escalated to the upper manager and will let me know. One month later, I received the bill again. I called and they said that they were working on it and I should not worry about the bill. 

On XX/XX/2022, I received the bill of {$85.00} from Debt Collector. I called my insurance and they called XXXX XXXX. XXXX, the XXXX representative is very rude, he said that this is the amount that I have to pay and I need to tell my insurance to pay more. 

I am going to pay {$85.00} for the debt collector today because I don't want to have bad credit, but I don't think that it is fair when XXXX XXXX, the reputation company would do something like this. I want others to learn from my experience.
Product: Credit reporting

In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face.
Product: Credit reporting

In trying to co-sign for my Grandson to get an apt XXXX XXXX XXXX Apartments near XXXX State University in XXXX XXXX XXXX, they were advised by Equifax that someone using my Soc Sec had passed away in XXXX in 1992, also that I had lived in XXXX a city which I 've never been,
Product: Checking or savings account

I've been having very frequent card decline errors using my debit card when there's more than sufficient funds. Often I get a text fraud alert and I enter the required information ( press XXXX  ) to release the fraud block. This doesn't normally resolve the problem and I don't get to release the card without a lengthy call with Citibank. This is happening way too often and makes it nearly impossible to use my card in a store knowing there's little confidence a transaction gets processed. I've called and pleaded with Citibank several times to help resolve and despite telling me they're escalating the problem was never resolved. This includes telling me there's an issue with my card and issue me a new one. This never resolved the issue.
Product: Credit card or prepaid card

So I applied for a credit card and this bank declined me for my credit card that defaulted more than 15 years ago and they said because of my previous relationship with American Express theyre discriminating against me and they even tried collecting this balance the collection agency after 15 years and threaten to put me in jail this new collection company that American Express hired since XXXX as threaten to put me in jail if I dont pay the whole balance so not only are they trying to collect the old balance is 15 years old Im trying to put me in jail for it theyre denying me a new credit card even though I have excellent credit now for a mistake that I did 15 years ago back in XXXX
Product: Debt collection

I formally demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action regarding IQ Data International Inc. 's continued and unlawful reporting of inaccurate information on my credit report. Despite previous disputes and attempts to rectify this matter, IQ Data International Inc. has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, by reporting erroneous, outdated, or unverifiable information.

As per the FCRA, furnishers of credit data are required to report only accurate and complete information. However, IQ Data International Inc. has failed to provide adequate verification of the alleged debt and continues to report false information, causing significant financial and reputational harm. This constitutes a clear violation of federal law, and as such, I demand : 1.Immediate cessation of all inaccurate reporting related to this matter.

2. An investigation into IQ Data International Inc.s compliance with the FCRA regarding its reporting practices.

3. A written confirmation stating that the inaccurate information has been removed from all consumer reporting agencies.

Should this matter not be resolved within 30 days, I will have no choice but to escalate the issue further, including filing formal complaints with the Federal Trade Commission ( FTC ), initiating legal action, and seeking damages for willful noncompliance. 

Please provide written confirmation of the actions taken to correct this matter. I expect your prompt attention to this issue and trust that the CFPB will uphold its duty to enforce consumer protection laws.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Kentucky loan authority bought the loans from New Jersey. I did not sign the contract and they are trying force me into a contract. My loans are current and now they demand payment of the loan balance in full. Even though under the Cares Act I could defer my loans I have not. I continued to make loan pay me ts in time. Strong arm tactics and threatening.
Product: Checking or savings account

On XX/XX/19, my electronic payment to XXXX XXXX XXXX came into my bank. Later in the afternoon, I realized that I didn't have enough money in my checking account to cover the charge but I DID have the money in my savings account. I have overdraft protection on my checking so the bank will transfer money from my savings to cover any payment that comes in and will charge me {$10.00} for that service. I decided to transfer the money myself and save the {$10.00} feethis left me with a balance in my checking of {$8.00}. 

On XX/XX/19 I was charged a {$35.00} overdraft fee. I called TDBank today and spoke with both the branch manager,  XXXX in XXXX, Maine and the customer service rep, XXXX in the Call Center. I was told that the charge was due to everything being computerizedwhen the payment came in it was recognized as an overdraft, that night the computer tried to take the money out of my savings account but the money was not there because I had already transferred it, therefore I was charged the fee. I was told that I would NOT have gotten an overdraft fee if I had not transferred the money myself! They could not explain to me how they had the right to charge me since the money was in either my checking or my savings the entire time and I have overdraft protection. 

I had a long discussion trying to understand how this was legalhow they could charge me a fee when they were in possession of my money the entire time, they could not explain it other than trying to claim that " it wasn't in my account when computer looked for it. '' I asked to see where in writing this is explained or how they are legally able to charge methey referred me to the 55-page Personal Deposit Account Agreement where the actual situation was not addressed. 

The managers both told me that they were not able to refund the fee because I have been refunded overdraft fees 2x this year ( a complimentary service they do ). I understand that I have received this, I live on XXXX and there are many times that I have to manipulate money to cover bills and it doesnt always work. I don't believe that should matter though, this is not something that I did to cause my account to be overdrawn, the money was in my accounts the entire time and I don't believe that they had any right to charge me for this. 

I am not asking for a refund for a fee that I causedI am asking for the {$35.00} to be refunded because they had NO right to take it to begin with. 

Thank you for any help that you can provide.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report from TransUnion and noticed an account that needs to be immediately updated to PAID AS AGREED. 

XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 100 % ACCURACY IS REQUIREDBY LAW. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly UPDATE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my TransUnion report. 

This erroneous account is inaccurate and needs to be updated immediately to reflect accurate information. 

Please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law requires me to have a FREE and accurate Credit Report, once a year. Experian has not updated my credit report since XX/XX/2021. When I went to view and print my FREE credit report, Experian is reporting incorrect account information as well as an incorrect FICO Score and inquiries ( Hard pulls ) that should have been removed. Also, the credit report on their website also shows incorrect account information, FICO  score and inquiries tht should have been removed. I have sent letters, attempt to call by phone several times, neither phone number listed offer live customer service, just a recording with options to order your credit report or assistance with credit freezes.I am trying to refinance my vehicle and I am unable to because Experian is reporting incorrect account information which we cause a denial of gredit. One account with the incorrect account balance that is really hurting my credit is a loan from XXXX XXXX XXXX XXXX that was paid in full back in XXXX of this year, however experian is reporting a balance owed of {$1300.00} and a 92 % Credit usage which has damaged my FICO Score. Also XXXX XXXX ( Car Loan ), experian is reporting incorrect account information as far as the balance owed. XXXX  XXXX although is only shows a {$6.00} balance, the account balance has been {$0.00}. XXXX and XXXX  is reporting correct account information and my Fico Score is at XXXX or above where as Experian with their incorrect account information, my FICO  score is at XXXX and has been at XXXX since XXXX. Also, I was attempting to contact Experian for possible fradulent account access, which I reported to the XXXX XXXX XXXX because Experian has some how gotten my XXXX  XXXX account number and has it stored on their server without my consent and my account was billed for a subscription I never ordered. Also is indicates on their website, I pulled my credit report which I hadn't. This is why I'm concerned that someone accessed my account on their website, orderad a subscription and pulled my credit report which could cause Identify theft. Experian has no customer service available to inquire about this. This could have been avoided if Experian had not stored my account number on their server where anyone without my consent, log into my experian account and order services that would automatically be charged to the credit number on their server. To prevent this, Experian should have a second verification process to verify user access. After discovering this, I had to cancel my credit card and have a new one issued which caused delays with my automatic payments for bills. Not only is Experian required to supply me an accurate credit report, they are denying me credit that I should be approved for, especially needed credit to refinance my vehicle. This is discrimination and Experian should be held liable for my denial of credit, employment, car insurance and any other denial where my credit report is pulled and used as a decision for approval. have attached screen shot of my credit report from Experians website to substaniate these statements.
Product: Credit reporting

This judgment is still reported as reinvestigation on my Equifax credit report 4 months later as of today.I have not received any updates from Equifax. 
XXXX CFPB review Response disputed XXXX/XXXX/2015Case number : XXXXXXXXResponseEquifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days.
Product: Debt collection

ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ). 

Received letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested. 

Received another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information. 

I will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.