23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from London & London stating that I owe an alleged debt to XXXX XXXX XXXX XXXXXXXX I replied to London & London as shown in the attachments that I have included with this complaint. London & London did not reply to my request but instead violated me with a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a question about my credit score, and Equifax reason for my score. I spent close to twenty minutes on the phone listening to menus and answering security questions. I finally got through to a representative, and explained my concern and asked a direct question considering their reporting. The agent did not seem to understand the question, I explained it again slowly and he responded let me pull up your account to see. I was than put through to a survey and hung up on. This occurred on the XXXX of XXXX, approximately XXXX XXXX  EST. I made repeated attempts to try to get through for some assistance, but it would require me to yet again go through 20 minutes of menus and security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against XXXX for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that XXXX shared my personal information with a third party, namely TransUnion, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with TransUnion. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized XXXX to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge XXXX to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, Equifax and XXXX are the consumer reporting agencies. According to 15 USC 6801 " 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. '' I have the right to make sure my private information isnt shared. XXXX XXXX XXXXXXXX is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " 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 XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX do not have my consent to furnish this information. Any and all consent to XXXX, XXXX, Equifax, and XXXX XXXX XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " 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 XXXX XXXX XXXX XXXX  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 being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 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 1681b of this title '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures at this time. 

12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Product: Mortgage

My payment was originally at XXXX a month, it has since gone as high as XXXX dollars a month and now sits at around XXXX a month. I also no longer pay taxes in the state as a XXXX veteran but they still sent taxe money into the city earlier this month. I got behind on my loan about XXXX days because of an unexpected bill, late charges continue to pile up each month, and the company has no way to help consumers get caught up other than their suggestion of making two payments. Every other company I've ever had a mortgage thru allows at least one payment to be rolled to the end of the loan, but not Pennie Mac, they prefer to make money off late fees that have also gone up in cost this month.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX Account # XXXX. 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 follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

I saw an Capital One credit card ending with XXXX under my name with outstanding balance for {$2800.00}. I do not recognized this credit card. I think someone was used my name and SSN applied for this credit card and used without paying. I did n't notice until this morning I checked my credit report. This outstanding credit card leave a huge impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX 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 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: Credit card

The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my house for lower payment, the refinance company said : there is a CITICARDS CBNA dispute at your XXXX XXXX XXXX report that must be solved before we do the final closing. I called CITICARDS Bank 5 times and they said ; " we don't see any dispute at your account for the last 30 years, we don't know how this dispute issue appeared at your account ''. I have it record it when they said that in my files. they said call universal credit services tell them to remove, I did call them 5 times switching me from one agent to another and all said " you must contact CITICARD to remove it they are the one put at your records. finally called CITICARDS again and the representative said ; I will try to help you to remove we will let you know in 30 days case number  XXXX. 
Please help me to solve this issue and remove it from my account my credit score is XXXX one of the best all my life worked hard to keep it at that number, thank you
Product: Credit reporting

Chex system actually wrote back to you and lied. 
The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.
Product: Debt collection

Date opened : XX/XX/XXXX Balance XXXX Total Balance {$920.00} as of XX/XX/XXXX Packet Balance {$1800.00} as of XX/XX/XXXX Original balance {$650.00} Ive file a dispute on my credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed in a XXXX XXXX  and I would like my report cleaned up from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

On XX/XX/year>, I made a purchase of a XXXX XXXX from Apple, during a promotional period where they offered an Apple Gift Card valued at {$170.00}. Subsequently, I received an email outlining the specifics of the gift card, including the statement : " Gift Card Value : {$170.00}. Redeem to your Apple Account. Use your balance for online and Apple Store purchases. '' However, I did not utilize the gift card. 

Upon closer examination of my account, which was established through Apple 's Installment Plan, I discovered that there were two separate installments listed : one for the Apple Gift Card ( Special Offer ) and another for the XXXX XXXX XXXX XXXX. To my surprise, I found that I have been making monthly payments of {$14.00} since XX/XX/year>, solely for the gift card. 

Upon contacting Apple for clarification, I was informed that the gift card was part of a promotional offer designed to deduct {$170.00} from the purchase price of the XXXX XXXX. However, this deduction was not applied directly but rather structured as an additional installment, effectively requiring me to repay the {$170.00}. 

This practice strikes me as deceptive, as it does not reflect a straightforward deduction from the purchase price as initially implied. Even during the purchase process at the Apple Store on XX/XX/XXXX, the sales representative indicated that the gift card could be used for any future purchases, which contradicts its actual terms of use. 

In essence, the manner in which this gift card offer was presented and executed deviates from the typical understanding of a gift card, which is intended to provide the recipient with a specified cash value redeemable for goods or services. Instead, it has resulted in an unexpected financial burden rather than a benefit.
Product: Checking or savings account

My account was compromised! Wells fargo is treating me as if im the person in the wrong! Ive been banking with them for years. They had me open a new account told me my rent will still be paid which was a lie!!! This bank is a big joke and dont value their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

My ChexSystems report is showing an incorrect address.
Product: Debt or credit management

Saturday, XX/XX/year>, I called XXXX, MoneyLion Costumer Care.

I requested their domicile address where to send a payment by money order to avoid my checking account suddenly going negative.

I spoke with someone who told me, wait 2 minutes, at which time, returned to the call, and exclaimed, I can still request a deferment with app, without resolving to provide the information I requested. 

Their autoboost and fee system is a g'mic.
Product: Checking or savings account

I am writing to file a complaint on Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue lies with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Money transfer, virtual currency, or money service

My account ( same email : XXXX ) was blocked on XX/XX/XXXX because I needed to verify my identity. 

I submitted my identity information ( passport, employment letter, etc ) and Coinbase has not gotten back to me and my account remains blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three years Ive disputed Sychnory Banks invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and XXXX  have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to Sychnory Bank. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Product: Checking or savings account

My account is with net spend. I had disputed multiple charges and was denied my claim. I requested for this claim to be reviewed again and they will not
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX
Product: Bank account or service

I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX Credit Report XXXX ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishings, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I'm requesting immediate correction action to remove all or amend disputed accounts, as Experian 's indication violates federal law and my rights as a consumer.
Product: Student loan

I requested a one time only refund for the student loan forgiveness. They told me it's against Edfinanciald policy to refund consolidated loans and it's against the department of educations policy. I called the department of education and they said there is no such rule. Edfinancial continued to deny the request.
Product: Credit card or prepaid card

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

They have called me 5 times today alone. I have already told them not to call me anymore today. Its a Saturday of a holiday weekend. They have continued to called
Product: Checking or savings account

Navy Federal Credit Union charges me random overdraft fees with no notice. I just open my account to see a random overdraft fee. When I ask them about it they tell me on some random day there was not enough funds in the account for a purchase however it is a debit card any purchase over what is available in my account is denied. I've been a customer with them for 11 years and any time I bring up an issue I get a generic response and then notice they change the way the charges look in my banking statement and app going so far as to break my paycheck up into {$15.00} increments which was just baffling. I'm at my wits end because they have great security but I fear it's just so they can get away with literally robbing their customers. You can clearly see my balance below the transactions and when you bring it up to them they'll just go in and adjust it.