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. 

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 XXXXXXXX, 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.
Product: Credit reporting

My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department or XXXX.
Product: Credit reporting or other personal consumer reports

Bank Involved : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies Involved : Early Warning Services ( EWS ) and XXXX  Date of Account Closure Notice : XX/XX/XXXX Date of XXXX Response Letter : XX/XX/XXXX Complaint Summary : On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX ) notifying me that my small business checking account had been closed. The letter stated : " We may report our decision to XXXX or Early Warning Services ( EWS ), or both. This may affect your ability to open an account at another financial institution for up to five years. You can get a copy of your report from the reporting agency. If theres any information in the report thats inaccurate or incomplete, you can dispute it with them. '' Because XXXX suggested that my account closure may have been reported to EWS and/or XXXX I registered online with both agencies to check for any negative records. After reviewing my records, I found no indication that XXXX had reported my account closure nor any prior negative information. To ensure accuracy, I formally requested my full consumer reports from both agencies. 

On XX/XX/XXXX, XXXX responded to my inquiries with a letter stating, " we confirmed information on this account isnt being reported. '' This contradicts their XX/XX/XXXX letter, which implied that my account closure might be reported and that I should check with these agencies. 

This raises several critical issues : *If XXXX did not report my account closure, why did they direct me to EWS and XXXX in the first place?

*Did XXXX close my account based on pre-existing information from EWS or XXXX XXXX even though I found no negative records in either? 
*If XXXX used internal policies or proprietary risk assessments to justify the closure, why wont they disclose the reason to me directly? 
*If there is negative or incorrect information in any system, I have the right to know so that I can dispute it properly. 
XXXX lack of transparency and contradictory responses make it impossible for me to understand or dispute any alleged issues. 

Issues to Address : XXXX  Contradictory Statements : XXXX first implied that my account closure might be reported, then later claimed no information was reported. 
*Failure to Provide a Justification for Account Closure : XXXX  has not provided a clear reason for the closure, preventing me from disputing or addressing any alleged issues. 
XXXXNo Negative Information Exists in EWS or XXXX : Since I have now reviewed my records with both agencies and found nothing negative, BOAs referral to them was misleading. 
*Potential Use of Internal Data Without Disclosure : If XXXX relied on internal policies or non-public data to justify their decision, they should be required to disclose that information to me. 
*Misdirection and Lack of Accountability : XXXX referral to EWS and XXXXdespite confirming that no report was madesuggests they may be attempting to avoid providing a direct explanation.

*Right to Dispute Any Negative Information : If any negative or inaccurate information exists in any system, I have the right to access it and dispute it accordingly.
Product: Student loan

I have been homeless twice within the last year and am currently facing eviction. Reliant Capital solutions refuses to refund my tax return of {$1500.00} and {$1000.00} from XXXX and XXXX. Reliant and the Department of Education states they did not refund my money to me because Im not facing eviction however, I am currently facing eviction and have been facing evictions for the past 3 years. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all three agencies.I do not have an account with this company, XXXX  XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he past away. I had other items that past doctors and friend who died gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX  with no luck.i sent a letter to each credit bureau at end XX/XX/XXXXNo credit bureaus except responded.Experian notified me a chapter XXXX Petition was put on my report by XXXX  XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.
Product: Student loan

I am co-signer on a student loan taken out by my daughter about ten years ago. It was taken out through XXXX but is now serviced by Navient. Due to problems my daughter experienced in collecting her pay for her job, she stopped making payments. She did n't tell me. The loan has recently gone into default. The only written ( US Mail ) notice I received from Navient was recent, telling me that the loan was already in default. ( There may have been email correspondence telling me to login to their web site to see a message, but these things come all the time for less significant events. ) Then a series of phone calls started from Navient collections. First, they offered me XXXX lump-sum options, XXXX to release me as co-signer, the other a settlement in full. I did not have the tens of thousands of dollars available to me, so I declined. Both those offers came in the form of an email letter on Navient letterhead. 
The most recent phone call ( yesterday ) from Navient conveyed an offer that if I paid the back amount due on the loan and then made a monthly payment slightly above the most recent monthly payments that I could pay off the loan balance that way. The interest rate would be 0.1 % ( why? ). This sounded hopeful to me but there were obviously terms and conditions that I wanted to see in writing so I could talk them over with my spouse. Besides, my hearing is n't perfect, the phone connection was poor, I had to go outside my place of employment so there was road noise, I had no writing material or place to write, and the agent had a thick accent. It seemed so reasonable for me to ask for this offer in writing, but they refused. Instead, they said I had to make these payments for some number of months and then I would get something in writing. 
We went back and forth for a while, with my insisting on an offer in written form. The agent seemed to think that obviously I ought to trust him ( " This call is recorded and I would get fired if I lied to you. " ). This insistence on no written offer seemed so outside the norm -- more like a loan shark than a reputable company -- that eventually ( after much repetition ) I just hung up. 
I will be making those payments ; obviously I should, and they are close to the payments for the original loan. One big worry is what effect this will have on my credit rating. I already ca n't refinance my mortgage and save 2 % interest because of my credit score. At my age I probably never will. I also worry about the effect on my daughter 's financial future. 
I think that this " no offer in writing '' policy is outrageous ( and obviously not XXXX compliant ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3200.00} 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
Product: Debt collection

I was approved by my insurance company for several XXXX. The XXXX were to be done every 90 days for 1 year. After the XXXX XXXX I inquired on whether the insurance company paid for it, I was told they had. At the XXXX XXXX I inquired again, before the procedure as I had had issues with the provider and insurance company. I was told it was in processes and I was cleared for the next XXXX. 90 days later I return for the XXXX installment and again, checking on the balance, I was told the insurance company had not paid for the XXXX or XXXX procedure fully and I was responsible for a large balance. I cancelled the XXXX XXXX and escalated to the medical provider, XXXX XXXX XXXX, as to why I was not told of the balance. I had not been called, I received no correspondence via email or regular mail. I would not have had the XXXX XXXX had I not been assured things were fine. I was told it was a 'processing issue ' and they could not do anything about it. Even with multiple attempts to remedy the situation, apply for financial assistance and dispute resolution. I then receive a call on XXXX/XXXX/16 when I was n't home ; I return the call today on XXXX/XXXX/16, less than XXXX hours after the call, to be told this debt was now a judgment and I have no remedy. They were taking garnishment action against me and I have no options in the matter. This amount is in excess of {$2000.00} and I do not have the capacity to withstand a garnishment of that magnitude. I was not given the correct information, nor am I allowed to dispute this current action per XXXX XXXX at Merchants XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I attended XXXX XXXX in XXXX, TX from XXXX which was when our school was full of FBI one afternoon as the students were arriving. We were informed by the FBI agent that there was no school and we had to go home. It was a weird time for sure. I don't use that degree at all and I am in really really deep in the school debt from that 2 year degree. 

I am trying to get help with this, the people at Navient call me all the time trying to collect a payment but I don't have the funds to pay them back.
Product: Debt collection

On Monday XX/XX/XXXX, these people called me 5 times. I called them back and told them they would be paid and to stop harassing me or I would contact the CFPB. They said they dont know who CFPB is and that the only way they will stop is if I pay.
Product: Credit card

I received a XXXX XXXX card supposedly from Chase Bank that I did not request or apply for as I do not bank with Chase Bank. Further the name on the card is slightly misspelled from my legal name which suggests that this is a potential scam. I have had my identity stolen before which suggests that my information is still in circulation. 

I also received a letter from XXXX XXXX  XXXX regarding an application for a card I never submitted or applied for as I do not bank with XXXX XXXX XXXXXXXX either.
Product: Mortgage

My mortgage lender has my flood insurance as part of my loan paid through my Escrow Account. They did not pay my flood Policy timely, and when they finally paid it late the issued the payment to the wrong carrier and sent to the wrong address. This has caused my policy to be canceled and the Flood Insurance will not reinstate my Policy. My agent now has to issue a new Policy which has a 30 day waiting period and the cost has increased from {$650.00} to {$1800.00}. They lender will not expedite the payment and they have left me with no insurance coverage on my home. They tell me today they will place a lender forced policy in about 45 days which the letter from them states it only covers the dwelling, it does not cover our personal belongings or cost of temporary living outside should we have damages. I have been without insurance coverage since XX/XX/22 we live in a flood zone, less than XXXX mile from the ocean and XXXX blocks from the inter-coastal. They are telling me that this can not be expedited even through they have admitted fault. They tell me should something happen between now and 45 days to call them and then they will place insurance they REFUSE to provide me with any written documentation. I am very concerned considering we are still in Hurricane Season especially what has just happened with XXXX XXXX to be without proper insurance coverage to protect my home and family.
Product: Credit reporting or other personal consumer reports

Equifax, unauthorized inquires. I called Equifax several times and they told me I had to get police report or FTC report. 
I did not authorize the following inquiries 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my experian that does not belong to me. I have already resolved the same issue with XXXX.
Product: Debt collection

I already filed a complaint with CFPB and they never sent me any documentation of the debt within the allotted time as they previously stated they would. I did dispute the debt with the company as instructed. They verified to have received my dispute and still did nothing to remove the debt from credit report.
Product: Debt collection

CBCS is trying to collect a debt for {$37.00} for an injection not covered by Medicare Health Plan Insurance. 

CBCS represents XXXX XXXX XXXX XXXX XXXX for a service of injecting some medication which was not approved by my Medicare Health Plan Insurance as medically necessary needed for my treatment, consequently, I am not financially obligated to pay the {$37.00}. Medicare said that if not covered by my health insurance plan I don't have to pay it since I did not know at the time of the service for what the physician gave such injection. 

XXXX XXXX XXXX XXXX XXXX and CBCS are aware that I am covered by Medicare which is a fixed contracted price service which approves medically necessary medication only.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

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