23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, AZ 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. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the all debt, nor therefore any such debt, in fact there exists
Product: Credit card or prepaid card

The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C1681 section 602 8 states i have the right to privacy 15 U.S.C 1681 section604 a section 2. I also state a consumer reporting agency can not furnish your account without my written um instructions
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Good morning I have received a new dispute report result with 10 min of the dispute. I also added the email with copy of the result. 
I also complaint to the other 2 credit bureaus and XXXX and XXXX have remove most of my incorrect information inquiries with updated address. 
Equifax is not following the credit reporting rules.
Product: Credit reporting or other personal consumer reports

Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.
Product: Credit reporting or other personal consumer reports

My credit report with XXXX shows that I have student loan balances with XXXX of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from XXXX and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and Equifax continue to show the balance with XXXX. I have disputed these charges multiple times and each time my credit score seems to go lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1,  paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.
Product: Credit reporting or other personal consumer reports

I have dispute this same issue numerous times now and they still keep coming back with the same answer. Almost like they're not actually trying to help me. I am a victim of Identity Theft. I have sent all the supporting documents including proof of resident, SS card, Drivers License, police report, Etc. no one is trying to help me at all. The next step is to hire an attorney for both XXXX and Experian. Someone earlier this year stole my identity, used my maiden name and my ss # to obtain a student loan through XXXX to attend a school in Louisiana for {$4700.00}, a place I have never lived nor gone to school. Ive called so many times sent some much proof just to still be told it belongs to me. I went through the same thing with XXXX and XXXX, they ended up removing it after multiple investigations and complaints on my end. This is honestly causing so much XXXX then you can imagine. I cry constantly and ive lost hope that anyone will do their job properly. Ive even called the non emergency line in Louisiana in an attempt to file charges against this person. No help there. I need this removed so that I can finally be able to get a home for me and my children. This has caused so much already. I called XXXX and they told me to changed the number on the account that the person opened and other information on the account so the person originally opened it can no longer have access. And to send in this forgery application and proof of residents at the time it happened and drivers license, and ss card which I did. I don't knw what else to do. PLEASE HELP!!!
Product: Credit card

I am filing a formal complaint regarding multiple discrepancies and misleading information provided by Crypto.com concerning the shipment of my credit card. Despite multiple assurances from Crypto.com representatives and emails, I have yet to receive my card. Conflicting statements have raised serious concerns about the companys handling of this matter. 

On XX/XX/year>, I received an email from Crypto.com stating that my card had been shipped to my residential address. Upon contacting a Crypto.com representative, I was informed that my card would arrive by the end of XX/XX/year>. However, the card never arrived. 

In the first week of XX/XX/year>, I reached out to Crypto.coms support team to follow up on the issue. I was then told that a new card had been shipped and would arrive within 7-14 business days from XX/XX/year>, as confirmed in an email sent to me. 

As of XX/XX/year>, I noticed that the Crypto.com application was still prompting me to request shipment of my card, which directly contradicted the previous assurances I had received. Concerned about this discrepancy, I contacted Crypto.coms support team once again. Initially, I was told that my card had indeed been shipped and was expected to arrive within 7-14 business days from XX/XX/year>. However, when I provided a screenshot from the application showing that my card had not been shipped, the representative reversed their statement and admitted that my card had not actually been shipped. 

This repeated misinformation and failure to fulfill Crypto.coms obligations raise serious concerns regarding : 1. Misrepresentation and deceptive business practices I was twice informed that my card had been shipped when, in fact, it had not.

2. Failure to provide a financial product as promised Crypto.com has failed to deliver the credit card in the timeframe they repeatedly assured.

3. Lack of transparency and accountability The conflicting responses from support representatives suggest either gross negligence or systemic issues within Crypto.coms fulfillment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Product: Credit card

On XXXX XXXX I received a phone call from their I listen to a person for XXXX and a half hours and a new dept relief program. He stated his name was XXXX and I previously spoke with him before where I paid XXXX to get balance transfer cards and credit accounts transferred to new XXXX  interst cards. He stated that it was a company called consumer credit group. All went well Later in XX/XX/ he called again stating that he was now in a different department promoting a new program DRP or debt relief program. I listened and after XXXX XXXX I was again convinced to participate. I was asked to pay XXXX to eliminate XXXX or more in credit card debt. He charged me but after that I was told to wait XXXX XXXX and on XX/XX/XXXX he would call to start eliminating process as long as I was current on all payments. I have really trusted this because we had felt with this program was legitimate. Well I was very much lied to because this person stopped contacting me and I tried to contact only to get a in known number or an operator  service that is never answered by a operator but by the person I talked to to begin with.the numbers I have are consumer credit group XXXX. XXXX XXXX XXXX. XXXX. XXXX DRP. And XXXX. XXXX gave to me as a bew contact number. Now I filed XXXX disputes with XXXX different XXXX XXXX companies. XXXX XXXX XXXX, XXXX XXXX, and XXXX. Was of now XXXX  XXXX XXXX and XXXX one has started investigating and refunded to monies. XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. But XXXX  XXXX budge I dont even feel that they have even conducted a proper investigation I sent a XXXX page hand written letter and after several calls about the dispute I was told they was scammed and they wont cover the XXXX transaction I have called again and again and XXXX  XXXX be crooked now I was lied to please help me. XXXX XXXX. XXXX XXXX
Product: Checking or savings account

I deposited a check into my account and they held it for a week until it cleared..now they saying I cant withdraw my funds from my account
Product: Debt collection

I received another statement from Paypal yesterday, XX/XX/XXXX claiming that I now owe them {$33.00} from a previously paid {$26.00} which was recently paid this past XXXX! In a recent call to them, they claimed that all I owed was {$26.00} and that this was the end of making payments after that. Looks like they lied to me again because of this latest scam! I am fed up with these people and their games!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Although this situation appears to be resolved I want someone at Bank of America to address my issue. 

Back on XX/XX/XXXX my mother unexpectedly passed away. She had a savings account at Bank of America and listed her children as beneficiaries on this account. She had other accounts there and we closed them shortly after. 

As it pertains to the savings account in question, we were told in order to close out the account and pay the beneficiaries, we needed to fill out a " Beneficiary Letter of Instruction '' and have the document notarized. We were  also told that the money would not be disbursed until all the beneficiaries notarized documents were received. 

On XX/XX/XXXX all beneficiaries completed their forms and had them notarized. The forms were taken to a nearby branch of B of A and they were faxed to the Estate Unit in XXXX, FL. 

What was interesting to begin with is that my mother had four other bank accounts at other banks. Beneficiaries were able to walk in to the local branches of each bank, show identification, a XXXX XXXX and leave out with their checks. 

Around XX/XX/XXXX all beneficiaries received a letter asking again for the XXXX XXXX and a Beneficiary or XXXX form which they already had. I called and told them they had everything they were requesting in the letter. I was placed on hold for the rep to research the issue. I was then asked if my mother deposited social security or pension checks in this account. The answer was no to this question and they could have answered this question themselves had they taken the time to review the account 's deposits. I was then told that was the issue delaying the disbursement. Since I answered this question, I was told the checks should be cut in a week. 

Waiting patiently for the check, another letter identical to the letter dated XX/XX/XXXX was sent and received XX/XX/XXXX. I called the XXXX XXXX and expressed that we are attempting to grieve as a family but the constant issue with disbursing beneficiary checks was getting taxing. I was again placed on hold and told the checks were cut XX/XX/XXXX.

Today is ( XX/XX/XXXX ) and beneficiaries are finally starting to receive the checks. 

What I do not understand is : Do they have any level of compassion that a family has lost a loved ones to take them through bureaucracy to stretch out the disbursement of checks for nearly a month when other banks can do it in a matter of an hour? We were treated like con artists attempting to hijack money out of a stranger 's account rather than listed beneficiaries who supplied the first time all pertinent information. 

If they are going to have an XXXX XXXX handling this function, should n't they act with the same level of compassion and resolution delivery as other banks? 

Why are they sending supplemental letters that have nothing to do with the processing?
Product: Credit reporting or other personal consumer reports

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work XXXX jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my XXXX XXXX. I insist you remove any and all inaccuracies because it is a violation of my rights.
Product: Debt collection

I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.