23daVinci/CFPB_Complaints huggingface dataset:
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  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states That 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. And this inaccuracy is Stopping me from getting Approve for credit card nor by a car.
Product: Debt collection

On or around XX/XX/XXXX I called XXXX XXXX to inquire on the cost of coverage for a home I was in the process of purchasing. I received a quote but decided to go with another company. About a month later I received a bill in the mail from XXXX. I called the company and was told it would be taken care of because there was a misunderstanding on the companies behalf. A year later the account showed up as a collection on my credit ( I can not remember which collection agency it was listed with. ) At that time I disputed the account as not mine and contacted XXXX to advise. A representative again told me it would be handled. Then in XX/XX/XXXX the collection appeared again on my credit. I called XXXX and spoke with a supervisor who advised he would contact CCS Collection to have the account removed. He stated it would update on the credit bureau within 72 hours. I never signed any documents or agreed to use XXXX as my insurance company, I only asked for a quote. I chose XXXX for my homeowners insurance in XXXX of XXXX so I should not have been billed for anything because XXXX did not provide me with any coverage. My mortgage was set up with an escrow account which I would have provided the insurance company 's information to had I used them ( escrow was a requirement. ) Also I never received any type of communication from CCS Collections. I have been told repeatedly they would take care of the situation and three years later, there is still a collection reporting to my credit.
Product: Debt collection

I disputed the apartment collection through the credit bureaus on XX/XX/XXXX, then again XX/XX/XXXX, plus I mailed NCS a debt verification letter, which was never answered? I do not believe the balance amount is correct. 

I asked for a itemized breakdown of all costs that add up to {$2900.00} Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?
Product: Student loan

I contacted XXXX XXXX, which became Navient, many times over many years and asked to be placed in the most favorable repayment plan for my situation ( XXXX, unemployed, with significant financial hardship ). Instead of placing me in an income-based repayment plan, they placed me into forbearance and deferment for the maximum period allowed by law. It wasn't until I exhausted all allowable months of forbearance and deferment and called dozens of times pleading for help that I finally found someone at XXXX XXXXXXXXNavient willing to allow me to apply for an income-based repayment plan in XX/XX/year>. Since this experience, my loans have been transferred to XXXX XXXX, then XXXX, and now XXXX XXXX. It is my understanding that all of these months in forbearance, deferment, and financial hardship are supposed to be credited to my account by the Department of Education with a One-Time IDR Account Adjustment, but this has not happened yet. I am still waiting and very worried that XXXX XXXXXXXXNavient 's negligence will add many years to my loan term.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX on XXXX XXXX, # XXXX XXXX  on XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  on XX/XX/2022 # XXXXXXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report shows inaccurate billing with late payments that dont reflect my typical payment history. Please correct these errors and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a Equifax data breach and recently they were sued by the CFPB. I went to the company website and verified if i was affected by this Data Breach and i was.
Product: Checking or savings account

Today, XX/XX/24, I received a debit card from Chime ( the XXXX XXXX  ) for a checking account that I never opened/authorized to open. I called Chime and they closed the account, but I was also encouraged to file this report to notify of possible identity theft/fraudulent behavior.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a chicken coop online through an ad on XXXX. The charge was for {$77.00}. I received an email from the merchant to show the purchase went through. The merchant name was different than the website I used. The next day I got an email with a tracking number that didn't work. It took me to a web page that didn't work. On XX/XX/XXXX the charge on my card had a different vendor name. I called Bank of America to report a fraudulent charge. The woman told me the company she looked up sold makeup. I verified no make up was purchased. They gave me my money back but the this month XXXX they said they had proof the merchant sent me a product. The money was taken back out of my account. 

I got a small envelope from XXXX with a cookie cutter. That was not a chicken coop. Shipping would cost a certain amount from XXXX. I'm not sure what kind of proof was provided by the merchant but it was no doubt a well planned scam.
Product: Debt collection

They have called me and i told them i do not know of such debt, they have failed to provide enough verification or that they have collected the information via legal means
Product: Credit reporting or other personal consumer reports

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

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello, I have a credit card with citi. I haven't used the credit card in months and the card number was stolen. Puraches were made in XXXX and I live in the XXXX. All the transactions have been removed from my account accept one that is clearly a purchase made in XXXX. I had one representative tell me it would fall off and I didn't owe it. I called on the due date when the charge didn't fall off and was told I had to pay it even though it is fradualent and I was already told I didn't have to pay it.
Product: Debt collection

I moved out of XXXX XXXXXXXX XXXX  in XX/XX/year>. In XX/XX/year>, I got a form signed from someone in corporate stating that I did not owe any money and I was up-to-date on payments because I have to have this form filled out for the housing assistance before moving out that was signed by one of their employers. After I moved out, I received something in the mail after 60 days stating that I owed {$290.00} based off the ledger that I received from the person inside of the manage office on the property. Could not get in contact with nobody from Phone email or anything for weeks to a month. Then I got a call from a third-party company called XXXX XXXX XXXX stating that I owed over XXXX and something dollars which I was confused because I was told one thing and then told another thing but still could not get in contact with nobody from the company because they had no employers at the time and switched companies due to bankruptcy. Now I am getting phone calls and emails stating I owe this money that I have no aware of and I have a paper stating from their company that I did not owe anything so I am confused and would like to dispute all of this because I was told I did not owe no money When I was moving out.
Product: Checking or savings account

I was having my check automatically deposited into my account at BBVA Compass in XXXX, Alabama. My account became overdrawn due to attempted in-house transfers to my savings account and was charged off. When my paycheck went in XX/XX/XXXX, I was told it went to a " collection account '' and that it would be held until the next week and processed after the funds I owe were collected and deposited to my savings account. It is now XX/XX/XXXX, and I still do not have access to my funds. I spoke to the branch manager,  who told me there was nothing she could do that I would just have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.
Product: Debt collection

Called looking for me. I said it wasn't me and she huffed and told me to " cut the XXXX know it's you ''. She didn't identify herself and when I asked who was calling she said " I've told you one XXXX time I can't give that information. '' She also called my dad and yelled at him looking for me. 
When I call the number back it answers as National Enterprise Systems but I don't know who that is or what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.
Product: Debt collection

At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to US Bank in the amount of {$720.00} to U.S Bank for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from US Bank regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " XXXX XXXX '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the XXXX XXXX to the appropriate agency. She laughed and hung up the phone.
Product: Debt collection

On XX/XX/24 at XXXX XXXX I received a phone call from XXXX. I answered and it was a lady who asked for me. I said it was me and asked who she was and she said " its a personal business matter. '' I asked who she was with and she said " Credit Control and you have a personal business matter debt '' I asked if she was in Wyoming as XXXX is a Wyoming Area Code and she said " No, I am in XXXX. '' I said you should not use a Wyoming Area Code '' and asked for a supervisor. A man came on the phone and I explained I thought it was wrong that they were using a Wyoming Area Code and said " I have no knowledge of this debt and I need it verified. '' He said since you are being uncooperative I will remove you from our calling list. I said " no I am asking to verify the debt in writing and I will provide you the address to send it to '' He said " No and hung up. '' This should be illegal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm stating my complaint because I've sent a letter of debt verification to the company and I didn't hear anything back, its being reported on my credit report and its Damaging me my chances of getting approved for a mortgage, I've sent letters multiple times and still haven't heard back from the company or Creditor. XX/XX/2023 is when I sent my recent latter. if can't be verified please I request you remove it off my credit report that would much appreciated on few accounts it reports as I owe {$14000.00} and on other is reporting {$11000.00}. please I request for deletion of this account if can't be verified.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain transactions in my consumer report, as governed by the rules of construction exclusions outlined in 15 USC 1681A. According to this statute, transactions are explicitly excluded from the definition of consumer report. Upon reviewing my report I have noticed transactions have been inaccurately included in the report, which is in direct violation of aforementioned law. I noticed that the transactions was erroneously included, which has adversely affected my credit standing.. 

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: Mortgage

my mortgage loan was transferred to Rushmore by XXXX XXXX mortgage loan last XX/XX/2020. I have been making payments since the transfer never missed payment and now Rushmore is sending me my monthly bill of {$4700.00} and my usually monthly is only {$1400.00}. I request Rushmore to provide me info as to how they come up with this bill. 
they have provided me it. 
This problem has been almost three ( 3 ) years now going on with XXXX XXXX but they just doing run around ... 

I have been requesting Rushmore to REFI my loan through their " STREAMLINE '' loan as suggested by RI Housing. I haven't heard from them.
Product: Student loan

I am writing on my own behalf without the help of any outside person. The laws referenced are available to the general public. I am aware that my rights were violated and are continuing to be violated in bad faith. 

NAVIENT is engaging in deceptive and abusive debt collection practices from the inception of the alleged business relationship, violating my consumer right to privacy, and undermining my confidence in the banking system. 

Since the consummation of the credit sale occurred after XX/XX/1977, NAVIENT is subject to consumers ' claims and defenses pursuant to 16 CFR 433.3. 

As defined in 16 CFR 433.1, NAVIENT is a seller subject to consumers ' claims and defenses. When the original credit sale was consummated, I, the consumer, was unaware of the seller 's business arrangement with the creditor, nor given disclosure about the determination of the finance charge along with my right of rescission. Upon review of the master promissory note, I have reason to believe and do so believe that my obligation was settled, leaving me with controlling security interest. 

I am aware that I am entitled to twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being simply and clearly disclosed to me. 

I have reason to believe and do so believe that NAVIENT is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). 

As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' NAVIENT has never received my express consent to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c, generally. 

In light of indirect communication through the consumer reporting agencies after the character, amount, and legal status was in dispute via formal notices of dispute, I am invoking my specified remedy pursuant to 15 U.S. Code 1692c ( c ). 

NAVIENT has violated my cease and desist orders and communicated with relatives without their consent on multiple occasions. NAVIENT has violated 15 U.S. Code 1692e ( 7 ) by making the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

NAVIENT has furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that NAVIENT has uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).
Product: Credit reporting

I have sent dispute complaints to Experian on XXXX seperate occassions, All with documented and noterized proof that I am the legitimit person authorized to make request on my credit reports. Experian has failed me many times by totally disregarding Georgia State noterized documents issued and witnessed by a Bank Officials of XXXX XXXX XXXX, and disrespecting me as a real person. Experian has made the determination that they are going to dictate what they report on my credit reports by falsely accusing me of filing frevilious disputes, when I infact sent All necessary documentations of proof by certified mail. Experian then proceeds to give out false and Unverified information to potential creditors that has severly XXXX and XXXX my chances to buy a car or house at this point. Experian has totally disregarded the Federal Trades Commission Fair Credit Reporting Act by not following the rules on verifying, and through proper channles and Deleting All Unverifiiable Information on my credit report. Experian actions are dispiciable and Unacceptable at this point. ( Proof of ALL documents sent to Experian on XXXX seprate occassions. ).
Product: Checking or savings account

I paid {$31.00} on XX/XX/2023 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is a fraudulent stamp seller. They call themselves XXXX XXXX XXXX. The payment in my checking account reads as " XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.