23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XXXX, XXXX XXXX  and XXXX XXXX  never processed my requested consolidated loans request for ALL of my loans into one loan. They did this intentionally to cause me hardships as a student. They left the Consolidation in review in my Student portal and never processed it since XXXXAs a result of them not processing the Consolidation as requested and required they instead chose to put my loans into forbearance.
Product: Debt collection

HSBC Bank Nevada,  N.A.    Charter Number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity  for 3x the bo gus balance amount plus damages plus fees.
Product: Credit reporting

I apply for a credit line with XXXX and I was approved. But on my credit report with Trans union appear a credit inquiry, like it was n't aproved. My dispute with Trans Union is, if I was aproved why I have the negative inquiry in my report. Thank you for taking care of this issue. 
I been working hard in rebuilding my credit. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

On XX/XX/XXXX, I made a purchase with XXXX. One of the items was a tortoise stuffed animal. And one of the other items was a XXXX  bag. But the tortoise was purchased for my niece who has XXXX. When it was received, she didnt like it. So it was returned along with all other items in the order. The XXXX bag was received, and it had a security tag attached. Unsure if removing it myself would damage the item. I no longer have a Nordstrom store in my state so I took it to the local Nordstrom rack store. They refused to remove the security tag from the item as it was not purchased there. They advised with Nordstroms free return policy to return the item and re-purchase it. All items were returned and received by Nordstrom, but I was never credited for the XXXX  bag or the tortoise stuffed animal. Ive contacted Nordstrom multiple times over the past six months regarding this issue. Customer Service cant do anything for me. I dont know what to do because I dont have possession of these items, but Im still being billed for them.
Product: Mortgage

I fell behind last year and got into a payment arrangement where I was in a program. I had to make multiple payments at a reduced amount for 3 months. They advised me that I would not have to pay for two months and then would be back on my normal schedule. The months I was advised that I should have skipped were XXXX and XXXX. I made the XXXX payment instead of skipping. One person I talked to said I should not have made the XXXX payment and the next lady said it went to the XXXX payment for some reason. I want the payment that I made for XXXX to go for the XXXX payment since I was supposed to have been able to skip the XXXX payment but paid it anyway. The guidelines were unclear and I get different answers when I talk to the company. If I can have the payment that I was supposed to skip in XXXX, applied to the XXXX payment, I will be back on track completely and able to make payments on time from here on out. My next payment will be made on Friday, XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds on transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the current 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: Debt collection

In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX  XXXX 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: Student loan

Subject : Urgent Complaint Data Breach, FERPA & Title IV Violations, and Request for Immediate Loan Discharge XXXX XXXX XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear, To Whom It May Concern, I am formally submitting this complaint to address a serious violation of my privacy and legal rights due to the unauthorized access and misuse of my educational records, financial aid information, and IRS tax data by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This constitutes a blatant breach of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, along with severe violations of federal data protection standards. 

I recently became aware that my confidential and legally protected information was accessed and possibly disseminated without my consent. Specifically, this includes : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid and loan details. 
3. My IRS tax transcripts, which were retrieved and utilized without proper authorization. 

These actions directly violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Title IV of the Higher Education Act, both of which mandate strict safeguards for student records and financial aid data. The unauthorized access to my IRS tax records further raises alarming concerns about identity theft, fraud, and violations of federal data security policies. 

Given the gravity of this breach and its direct impact on my financial security, I am demanding the following immediate corrective actions : 1. Full discharge and cancellation of my federal student loans due to the breach of my financial aid and tax records, which undermines the integrity and enforceability of my loan agreements. 
2. A formal investigation into this data breach, including a detailed report on how my records were accessed, who was involved, and the justification for this unauthorized access. 
3. A comprehensive disclosure outlining the extent of my data exposure, the measures being taken to prevent future violations, and the accountability of those responsible. 
4. Immediate fraud alerts to all major credit bureaus ( XXXX, XXXX, and XXXX ) to prevent any potential identity theft or unauthorized financial activity stemming from this breach. 

This breach has caused significant distress, financial insecurity, and concern over the misuse of my personal data. If these demands are not addressed within 30 days, I will be compelled to escalate this matter through legal channels, including filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against all responsible entities. 

I expect a written response detailing the actions being taken to address these violations. Please direct all correspondence to the address provided above. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt response and resolution.
Product: Consumer Loan

I have a car loan that I requested the extended warranty and the gap contract to be cancelled ( total amount = XXXX ). This cancellation requested has been submitted to the dealership since the end of XXXX. After a long time waiting, I called the dealership back and they told me that they would be sending the refund check once again to Ally. Today, XXXX XXXX XXXX ) I called the dealership and I was informed that the check had been sent last week and it was cleared on XXXX XXXX. However, I have been speaking with Ally every day and even today, they have been claiming that no check has been received. I have requested Ally innumerous times requested to verify the information with the dealership but they refuse to do so and the dealership keeps telling me that the funds were already taken by Ally. I do n't know what to do anymore. XXXX dealership and Ally need to figure out what is wrong. AGAIN, THIS WAS REQUESTED SINCE XXXX AND UNTIL NOW NOTHING HAS BEEN RESOLVED. If I miss a payment, ALLY would be calling me EVERY DAY, so I expect them to solve this problem IMMEDIATELY.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The afore mentioned accounts have violate my rights per the following laws : 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 card or prepaid card

Flight purchased on XX/XX/2022 evening via Chase XXXX XXXX travel booking website with multiple areas stating " Cancel for free within 24 hours of booking. '' Tried to cancel with XXXX Rewards the following morning and they said they can not cancel it -- reached out to airline directly and they can only cancel with {$100.00} fee and credit of remaining balance with airline only.
Product: Checking or savings account

I was denied a checkings account with Chase due to " not able to verify identity ''. 

I'm on XXXX XXXX so I am not allowed to go anywhere to sign up for anything. So I must be able to utilize websites, emails, faxes, or postal mail. 

How do I send in my documents to verify my identity and get an account??
Product: Mortgage

on several occasions I tried to get the equity out of my home, every time I spoke with a loan officer at Wells Fargo i am either being told they don't do it, or I don't qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate late on my credit report
Product: Consumer Loan

COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX. 

Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY
Product: Checking or savings account

I filed a dispute on XX/XX/year> regarding a stolen debit card at the XXXX XXXX XXXX XXXX I reached out to the XXXX  before asking if they had seen my missing items remind you Im out of state right now they said they havent seen them then a few hours later they tried to charge my card XXXX dollars and I had no funds in my account to cover that I never signed any paperwork stating credit karma was allowed to overdraft my account normally when things happen like that they automatically deny the charge so once I seen my card was tried to be charged the amount I reported it lost same day I called credit karma told them about the lost items they filed a dispute and denied my claim after I showed proof time date of me calling the XXXX  before I reported my card they gave me no reasoning I never had to file a dispute as long as I been banking with them they gave me no reason and they dont do and investigation they just let your information sit for a few days then decline without reasoning I think its fraud going on I deep dived into theyre banking and a lot of people have said the same thing and the only way to get them to fix their mistakes is if I go above their heads and file this way
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$27000.00}