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 has violated my rights. Or the list of inquiries 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 an 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 or 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: Debt collection

In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account XXXX XXXX XXXX # XXXX and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

I deposited a paper check I received from my company drawn on XXXX XXXX  into my Bank of America Checking account on XXXX. When I made that deposit I was given notification from the bank that a hold Would be placed until XXXX. I saw this as standard and accepted it as such. Yesterday XXXX I was issued another notification from Bank of America that the hold would be extended until XXXX. I called the bank today to get more information about why the hold was arbitrarily extended. I could not get a straight answer only that it was categorized as a Risk Hold. I personally feel this action was punitive on the part of Bank of America due to my previous complaints and stating my intent to close this account at the end of the year after being fed up with their non-sense approach to handling customer accounts.
Product: Debt collection

I am a victim of Identity Theft, Police report # XXXX and Professional Account Services contacted me about them buying my personal information claiming a medical that does not belong to me. I am stressed that my personal information is being used and duplicated for bills I do not owe. Professional Account Services got a letter from me with 30 days to reply with why my information was purchased and that I was a victim to identity fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$21000.00} XXXX {$25000.00} XXXX {$0.00} XXXX XXXX {$1200.00} XXXX XXXX {$780.00} XXXX {$75.00}
Product: Credit card

On XX/XX/year> I used my chase credit card to pay my rent with XXXX.I usually use my bank account but was a little short that month so desided to use my credit card. So yesterday XX/XX/year> I changed back to my bank account throu XXXX to pay my XXXX rent. I also put a freeze on my chase credit card so there was no issues. Unfortunately there was still an issue. XXXX payed the rent payment anyway. I called customer support just now and the woman told me that it was a reoccurring payment. Which isnt correct because its not reoccurring on my XXXXXXXX XXXX nor on my ( frozen ) chase card. 
My biggest issue is that now I will have interest charges and have to pay an extra {$50.00} because I used the credit card. Chase tells me to call XXXX and XXXX tells me to call chase. 
This is very concerning because I feel like these companies do what they want.
Product: Student loan

I have 6 different loans with navient that are not being reported accurately dates are XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called emailed faxed letters to navient these loans were supposed to be in reduction plans and also forbearance and information was not consistent i was told it was being processed and i had to wait.i offered payment and was td to wait and as this happened I was reported late
Product: Debt collection

XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.
Product: Credit reporting or other personal consumer reports

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXXXXXX XXXX XXXXXXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXXXXXX XXXX XXXXXXXX and was informed by XXXX representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report. 

RE : ACCT # XXXX
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 Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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: Student loan

Referencing claim  XXXX  Inaccurate info was given on this complaint by the lender. There is still a issues with the balance. Fe d Loan servicing  can not account for a difference of  XXXX .     I received a statement  ( attached records ) and witness online that sequence   XXXX  had a balance of  XXXX  as of  XXXX   XXXX   XXXX  Received official records from this organization.     According to there new records the balance as of  XXXX   XXXX ,   XXXX   was  XXXX .     I need to understand clearly why I have official records saying a lower balance and no records from Fed  Loan Servicing explaining exactly how there is a difference. ( See  attached  XXXX   XXXX  Billing statement with the Sequence loan balance as  XXXX  ) This is not tied to interest capitalization that took place one  XXXX  as that was for roughly  XXXX  dollars. I am talking specifically about Loan  XXXX  in which I have different records and amounts. Explain why there is a difference.     These records you have as they were sent on  XXXX   XXXX  by your organization to both my paperless inbox and my home address.
Product: Mortgage

Complaint Number XXXX Follow-up Unfortunately, I have to turn again to assistance from CFPB since my attempts to get any status on my loan application were unsuccessful. 
Processing department XXXX XXXX XXXX XXXX, loan officer assigned to my loan XXXX XXXX XXXX XXXX, operation manager ( XXXX XXXX XXXX completely ignoring my email, voice messages. 
I received a call from the Chairmans Office XXXX XXXX XXXX XXXX, who got involved because I filed formal complaint with CFPB, but he also does not have ANY information from operation. They completely ignoring him, and provided false information. 

Because of their misconduct I already have financial loses, and if I would not be able to close and will maintain my existing rate for rest of my terms, I will accrue loses between {$110000.00} - {$140000.00} in interest. 
It does not look to me they are interested to give me this loan and rate for following reasons : 1. Rate much lower than current market rate ; 2. They do not see me as their potential client as bank pushing to get additional business - to open saving, money market or retirement accounts based on my age XXXX. I see this as clear violation of Elderly Law.
Product: Debt collection

I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.
Product: Debt collection

My Mother passed in XXXX and we are currently in forecloser at our property in XXXX XXXX XXXX and ( BANK of AMERICA ) sent someone to the house to winterize the property and they broke into the house without notification to ME the Executor of the property! My sister was still living there but was on vacation. These people went inside and went through my Mom 's jewelry box and they changed the locks so we couldn't get back in!! We are in Probate and are in the process of selling the property and they had no right to enter my house without notification!!!! 

Again Bank of America needs to contact ME before any other action is taken!!! 

Please help? .....
Product: Credit card or prepaid card

I went for a timeshare presentation with Wyndham. They told me they will be checking my credit, but instead they used the information to open not one but two credit card accounts with over XXXX in credit. 

One credit card with Barclays, and another one with XXXX XXXX. This is absurd!
Product: Mortgage

I tried to refinance my house to pay off my bills with several companies and it did not work so I stopped. XXXX company was Amerisave. The guy I was dealing with sent me 4 big thick paperwork books to sign containing my personal information and sending me many emails. I told him to stop and it did after I called supervisors. A month ago I started getting calls from different people at Amerisave about refinancing my home. They would call me at XXXX or so and I would ask them to stop. They did not. So far I have had 5 or so calls from different ones about refinancing my home and I explain to them to stop but it has not. I called them back and asked to speak to supervisor but he would not answer his phone. I am retired and I am XXXX XXXX XXXX retired XXXX XXXXr and state XXXX XXXX and I worked shift work for many years and I do not want to be woke up at XXXX in morning and since I have told them I do not want their buisness no more. I need help to get this refinance buisness to leave me alone and stop calling me. There is no telling how many other people they are doing this to. I would appreciate your help in this matter. Thank You.
Product: Debt collection

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Product: Credit card

My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX, CA. ( XXXX ) XXXX - DOB : XX/XX/XXXX. " Before my Deposit of {$380.00} on XX/XX/XXXX my Direct Express Debit Card Number was stolen, & How I do n't know. But before XXXX, CA.time, some one went to a TARGET STORE in XXXX, CA. & charged {$390.00}, at XXXX ''. It 's XXXX miles XXXX, & I do n't Drive & never have. I had the the card that Direct Express gave me at least 2 yr's.I called XX/XX/XXXX & told them the # on my card was stolen & a fake card was used at the Target Store in XXXX CA.. They scent me a new card & new # on the card. On XX/XX/XXXX, I called Direct Express & Reported I had a Police 'Case # XXXX from XXXX XXXX Sheriff. I called again on XX/XX/XXXX, they asked a lot of? 's & was to send me an ( XXXX ). They never did send it, & then I got very sick & was in the Hospital for XXXX days with XXXX at Doctors XXXX, CA. Comerica Bank has not given me my stolen funds that XXXX had deposited on XX/XX/XXXX in the amount of {$380.00}, I also went to Social Security office in XXXX, CA. on XX/XX/XXXX & they told me it was the Direct Express problem, they should return those " STOLEN FUNDS '' to my Debit Card for persons who do n't have a bank account, as Social Security was stopping sending paper Checks to persons on XXXX, or XXXX. This Comerica Bank & XXXX XXXX are not doing nothing to give my Stolen Funds from my Direct Express Debit Card, which the are Insured by XXXX & all US Banking Laws to protect the Seniors who are XXXX & use what Social Secutity gives us to receive XXXX or XXXX Funds Please make them, Please, Please Help me. My Husband XXXX has XXXX was to stop this type of Stolen Debit Card Numbers, 1. Have a Photo taken at Social Security Office & send to Drect Express. 2. When using the card at a retailer as a charge & using the Master Card, have that card number return to the sells person mechine a name that that Card # was given to & it must match the name on the Debit Card & there Photo on the Debit Card & match the State ID or Drivers License with Photo. 3. In put the gold digatal Item used on some newer Cards instead of the mig. strip on the back. Please help me get my " STOLEN FUNDS '' BACK in my account befor I DIE. Yours truly XXXX XXXX XXXX.
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 confidentially under 15 USC 1681. Under Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), information that is incorrect or misleading must be corrected or removed upon investigation. Below is the following. 
Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX : XXXX I looked at my XXXX credit report and noticed some things are incomplete and not accurate. According to the fair credit consumer reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC ( XXXX ) ( b ). 

According to XXXX USC XXXX they are suppose to do this ( XXXX ) treatments of inaccurate or unverifiable information ( A ) In general after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX USC XXXX they are suppose to not furnish any information relation to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

Two companies TEK Collect Inc. phone # XXXX {$490.00} and XXXX XXXX phone # XXXX XXXX XXXX {$450.00} I , XXXX XXXX have called both companies to clear up this on credit report. 
they are reporting to collect a medical debt that doe not belong to me. The debt belongs to son XXXX XXXX age XXXX. I was ask by my mortgage lender to clear this up to get a mortange that is currently in the works. It is effection my credit score. Both companies said '' either they could not give information on the debt. '' please call me XXXX XXXX or XXXX. 
I do not have account information. I tried to call and get this information XXXX said they could not find account and TEK said my son had to call which he did and they still did not release information. 

Please help very frustrating, Sincerely, XXXX XXXX XXXX WA
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX {$0.00}