23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX an unauthorized transfer from my checking account to my credit card happened. I believed i canceled this transaction on XXXX. This is the second transaction that moved between accounts. I contacted the bank stating this was unauthorized and needed to be reversed. 

the bank did not allow me to access the funds until XX/XX/XXXX. I spoke with multiple representatives in person and over the phone. I do not think i was properly verified or properly transferred. 

The bankers stated they have no record of previous interactions and i had to follow up to remedy the situation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX  XXXX - XXXX, XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

I have missed or been late on a few payments with XXXX XXXX XXXX. Due to the XXXX pandemic, I lost my job and was unable to make payments on time for the months of XXXX, XXXX, and XXXX. Unfortunately, this led to a negative impact on my credit score. However, I have now been able to catch up on all my debt owed and I am no longer in a financially unstable position. I strongly believe that considering the unprecedented events of the pandemic and the resulting economic crisis, my missed or late payments should not be held against me. I respectfully request that all my late or missed payments be removed from my credit report and wiped from the creditor 's records. I understand the importance of maintaining a good credit score and I am committed to making on-time payments in the future. I hope you will consider my request and help me improve my financial situation.
Product: Debt collection

Ive received my 3rd communication from Credence Resource Management LLC for an ambulance debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the XXXX company and found out the person XXXX was XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up XXXX, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage XXXX. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX
Product: Money transfer, virtual currency, or money service

Can not update phone number from XXXX to new number and can not log back into account. Failure to have option to be transferred to customer service via automated service. Company provided contact link which caused the run-around, and this is why they have an F rating. Why put me though that and you know you your automated service hangs up with limited options?
Product: Debt collection

I TTOED TO APPLY TO AN APRTMENT ONLY TO FIND OUT THAT I WAS GOING TO BE DENIED BECAUSE OF THIS COLLECTIONS AMOUNT. AFTER LOOKING UP THE COLLECTIONS AMOUNT I FIND THAT I HAVE ONE IN FROM GENISIS THAT I NEVER HAD A ACCOUNT WITH. THE XXXX XXXX XXXX XXXX IN WHICH I ALSO NEVER STAYED IN.
Product: Credit card or prepaid card

I took out XXXX separate cash advances in the amount of {$380.00} each with my Capital One credit card. The first one was on XX/XX/2022 and the second on XX/XX/2022. At the time, I didnt carry a balance and there were only a few recent purchases I completed during the same time period. The interest rate for cash advances and purchases were the same, XXXX %. I have made more than my monthly payment amount to the point where my cash advances should be paid off. Currently, I have a {$2100.00} balance including cash advances and purchases. When I called Capital One on XX/XX/2022, they told me since the interest rate is the same, my payments go to purchases first. So in order to pay off my cash advances and stop incurring extra interest every month for those, I have to completely pay off my balance. He said even if I purchase something today, my payments would go to that before the cash advances. That is not made clear in the contract. It is unethical for Capital One to not pay off the cash advances first, as they were incurred first. Its unethical for Capital One to keep charging me extra interest when the cash advances should have been paid off. Im sure they give many people the same interest rate for cash advances and purchases to get around the law and get extra money from people. Please fix this!!!
Product: Student loan

I got this loan in XX/XX/2014 only had 8 late payments, loan started at XXXX now after 4 yrs balance is XXXX, It hadn't went down only up this can't be right. I had no help from them, they just say pay more, I need help so I can pay it off
Product: Credit reporting or other personal consumer reports

Subject : Immediate Attention Required Violation of Privacy Protections Under 15 USC 6801 and 6802 Dear [ Experian, XXXX and XXXX ], I am writing to demand immediate action regarding a grave violation of my privacy rights under 15 USC 6801 and 6802. It has come to my attention that my private information has been unlawfully furnished to your agency without my explicit consent and without the required documentation. This is a blatant breach of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a reckless disregard for federal privacy regulations.

Under 15 USC 6801, financial institutions are unequivocally required to : Ensure the security and confidentiality of customer records and information. 
Protect against any anticipated threats or hazards to the security or integrity of such records. 
Guard against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Furthermore, 15 USC 6802 explicitly prohibits the disclosure of nonpublic personal information about a consumer to non-affiliated third parties unless the consumer has been provided with a clear and conspicuous opportunity to opt-out of such disclosure. You have failed to ensure that the information furnished to you complies with these mandatory requirements. 
Your failure to adhere to these requirements has resulted in the unauthorized dissemination of my personal information, thereby exposing me to potential harm and inconvenience. This breach of privacy is not only unlawful but also subject to significant penalties. Under the GLBA, non-compliance can result in fines of up to {$100000.00} per violation for the institution, and individuals, including directors and officers, may be personally fined up to {$10000.00} per violation. 
I demand the following actions be taken without delay : Cease and Desist : Immediately halt any further unauthorized sharing and use of my personal information. 
Investigation and Rectification : Conduct a thorough investigation into this violation and provide a detailed account of your findings.

Policy Review : Review and update your privacy policies and procedures to ensure strict compliance with the GLBA and other relevant privacy laws. 
Confirmation of Compliance : Provide written confirmation of the measures taken to rectify this breach and prevent future occurrences. 
Failure to address this violation promptly and adequately will compel me to pursue further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal recourse to protect my rights. 
I expect a comprehensive response within 15 business days from the date of this letter. Should you have any questions or require additional information, you may contact me at [ XXXX ]. 
This matter is of the utmost seriousness and urgency. I trust you will handle it accordingly. 

Account that Need to be Removed immediately XXXX XXXX XXXX
Product: Debt collection

I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.
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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # 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.
Product: Credit reporting or other personal consumer reports

I have attempted to update my personal information for EXPERIAN for several weeks now. I need to update my phone number and my name. I was given the case number XXXX by EXPERIAN for this. EXPERIAN asked for identity documents including the front and of back of my ID, a utility bill/bank statement and front and back of my social security card. I sent in all of the requested documents and still can not change my phone number to the correct number. I have active disputes with EXPERIAN credit reporting. Today I called EXPERIAN credit to inquire about my dispute and was told that they could not help me until my EXPERIAN membership was updated to reflect XXXX XXXX XXXX as my name. They transferred me to EXPERIAN membership to update my name. EXPERIAN membership told me they could not update my name because my credit report only says XXXX XXXX. So EXPERIAN credit reporting wont help me until my name is updated with EXPERIAN membership but EXPERIAN membership wont help me until my name is updated on EXPERIAN credit. Can we see the problem here?
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/scrub>/2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX/OVER Account Number XXXX
Product: Mortgage

Hello, NACA is violating the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) rule that is outlined by the CFPB. 

https : XXXX NACA is calling their process homebuyers counseling, but they are collecting all the documents needed to make a credit decision. 

https : XXXX Also, NACA is violating Reg B ECOA as it relates to their process they define as homecounseling. 

https : XXXXXXXX XXXX XXXX They are same entity providing both the counseling and application approval. 

I have been in their so called home counseling for months and they have asked for documentation and push next appointment out for months. 

NACA should have to comply with all the regulatory rules. They have failed to provide a detailed explanation how this process with my application is complying. Also, they should not encourage any applicant to go apply with another lender due to their failed untimely processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX ( XXXX ) sent credit card bill via email and I missed seeing it in mid XXXX. I also thought I had closed the credit card in XXXX. 

XXXX sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XXXX ). The {$12.00} bill was paid and then XXXX closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a Transunion alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this XXXX credit card. 

I sent an email to XXXX asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask XXXX again to remove the reporting of a late payment from my credit report given the small amount. I realize that XXXX  does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Product: Credit reporting or other personal consumer reports

I have would like to bring to your attention A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from American Express today, XX/XX/2022 that a new tradeline has been opened. This was not done by me. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX
Product: Checking or savings account

For the last 4 years I was under the opps program with Navy Federal Credit Union and every month I was charged extra
Product: Credit reporting or other personal consumer reports

XXXX at approx XXXX ( Eastern ) : Tried to access my Experian account online. I could not get my user name/password combo to work so I called customer service. 

Automated system prompted me for reason regarding my call and wouldnt transfer me to an agent. I walked through the steps to unfreeze my report for 24 hours ( initial request ). The line then transferred me to an agent named XXXX. 

XXXX asked me for my social multiple times and I would not give it to him. I told him I would give him last 4. He put me on hold until he spoke to a manager. 

He came back on the line and took the last 4 as well as my street address etc. He asked me about the freeze again and I told him from today until Wednesday ( 48 hours ). 

He confirmed and I asked him about my online account and why I couldnt get in. He said hed walk me through security questions which I answered. He said he could not verify me but was going to add my email to the account anyway. That didnt make sense to me and I asked to speak to a manager. He said is there anything else I can help with and I said yes to speak to a manager. He said hold on and Ill connect you and then hung up on me. 

Very unsettled I called back multiple times. Finally was connected to another agent. She told me she had no record of me talking to anyone else and that a permanent release of the freeze was done online. This isnt possible as I couldnt get my user name and password to work. She also had no record of me talking with an agent. 

I instructed her to put the freeze back on permanently and she asked me if I wanted to pick a new pin or have one automatically generated and mailed to me. I asked her to mail me a system generated pin as the first agent XXXX had asked me for the pin and had that number. 

She confirmed the freeze was added back. She said she did update my email in the system. 

I tried to pull a report through XXXX XXXX XXXX and Experian gave me an error and said information has recently changed and they could not provide the report. 

I then tried to reset my information again through Experian and its telling me my phone number doesnt match the account. 

I placed a freeze to protect my credit with the bureaus and it seems Experian has an unethical employee. 

After speaking to a CFPB rep, I placed a fraud alert on my credit but I still am not able to access my Experian account or get anyone on the phone to confirm my account is safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Consumer Adjustment Co. has failed to provide validation for a debt they submitted to the Credit Reporting Agencies. Additionally, they did not provide me with a 30 day notice. Consumer Adjustment Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX
Product: Bank account or service

First and foremost i am extremely upset on the decision Chase has given me. My card was stolen from my possession and during this whole month period chase did n't alert me when my card was being used in another state. Approximately 6 to 7 hours. The total that they have used is about XXXX dollars. I contacted the merchants and spoke with multiple managers in which they say that the signature is in a females name on most of the transactions. Lastly, chase does n't want to refund me because of inconsistent information. While most of these transactions happened during my instructing religious class, which was 7 hours away from me.