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

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies Transunion, XXXX and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) Transunion, XXXX and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to Transunion, XXXX and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Product: Checking or savings account

XX/XX/year> : received XXXX XXXX XXXX from XXXX to my Chime card that day, and that evening after work, I went to XXXX at XXXXXXXX XXXX XXXXXXXX, OK XXXX, to withdraw my money from the card, to pay my bills. The 1st withdrawal went fine ( {$400.00}, and a couple minutes later, I requested to withdraw the 2nd half of my money ( {$400.00} ), but the machine only dispensed {$120.00} of that {$400.00} requested. The machine door was open and I could see money was stuck, but I could not retrieve it, then the door closed and the screen told me that it was keeping the money, as it says I took too long to pull the money out. The receipt dispensed says I received {$400.00}, but that is not true. Even the camera over me saw how much money I counted out, and the manager was there with me and saw what happened. She wrote me a letter stating what happened, as proof she was also there to witness it. She put the machine out of order for me and said it has happened before. I called XXXX ATM and their recording said to call the bank.

I called Chime immediately and they said I had to wait for the transaction to clear and not pend, and then I could dispute the charge.

I waited a couple days to dispute when that transaction cleared. 

Within 24 hours, Chime denied the dispute.

That is when I decided to contact XXXX again and I got a live person, who started their dispute process. Then I received an email from XXXX requesting the dispute denial from Chime. A week or so later, XXXX emailed me again with an email demanding email in non-laymen 's terms of what they needed, so I had to clarify to them in email that I did send that information, then a week or so later, another email ( rude this time ) with highlighted words in bold, of what they needed from Chime, in laymen 's terms, which is proof from Chime that they charged back on that transaction on my behalf. 

Fast forward to today, XXXX, I got off the phone with Chime again, as on XXXX, I asked representative " XXXX '' to request that proof of chargeback so I could get my money back from the ATM company, and he requested it, and today XXXX, I received an email with only the 2 attachments ( documents I sent ) as proof. That is not what I asked for. So, I spoke with another representative in a different department who says they did not chargeback on that transaction, so now they are rebutting the dispute to request to reopen it, so they can chargeback on that transaction. 

I feel like these people are giving me the runaround. I should have known better than to do business with a company like this, and have since stopped my payroll direct deposits to them, as any local bank would immediately, in good-faith, give you a temporary credit to your account while they investigate. 

Chime and XXXX, you should be ashamed of yourself. Mind you, {$280.00} may not be a lot to most, but for me, it was grocery money for 2 weeks. Chime and XXXX are definitely not customer-centered and frankly, they could care less.
Product: Debt collection

Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.
Product: Credit reporting or other personal consumer reports

I noticed some personal information that is being reported on my consumer report that is inaccurate and I want deleted. Per 15 U.S. Code 1681 you must maintain 100 % accuracy and follow the written instructions of the consumer to whom it relates. My consumer report has several non mailable addresses that needs to be deleted and several names that are NOT my name. Please see the attached a dispute letter
Product: Debt collection

The company is trying to collect not only a debt that was cancelled via 1099C but they started a court process. Im going to sue this company if they dont remove this trash from my credit report in 30 days. Proof has been provided below. Based on FCRA and Collections can not collect or attempt to collect on a debt that has been cancelled. This is 100 % against the law and this company is in violation of the law.
Product: Student loan

this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??
Product: Credit reporting or other personal consumer reports

This all over purchase a vehicle. That I didnt purchase I asked for XXXX XXXX whom I was previous purchase a vehicle that show on my credit report. I also like for all them aka. Names and Address to be removed off my credit. XXXX XXXX XXXX XXXX all credit cards etc charge off XXXX lawsuit with Capital One That was paid off
Product: Credit card

Discrimination. I have been attempting to resolve this matter in writing over the internal messaging system due to hearing XXXX. I asked for why and how my dispute was resolved in favor of a scamming company who obtains payment then no longer communicated or provided service of any kind. Apparently the company submitted a rebuttal i had no opportunity to review and/or accept my losses. I expected to receive a better protocol for handling these disputes and accommodating the XXXX as needed and legally required
Product: Debt collection

Hello, Bay Area Credit Service violated, " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' and placed a debt I have no knowledge of on my credit report. I received notice today via a credit alert asking if I was aware of this debt. I am not, nor was I properly notified. The amount stated is {$560.00} and no actions were taken by the company. 

I am asking that this collection is removed as it did not follow collection rules.
Product: Credit reporting

I have disputed an item on my Equifax credit report 3 times with documentation and it appears that Equifax is not investigating my credit report because they continue to negatively report inaccurate information. The item in question is a Released Tax Lien that was filed in error, and it should be taken off of my credit report. I have attached documentation received from the California XXXX XXXX XXXX to the dispute clearly stating that the lien was filed in error and Equifax continues to ignore the letter. I have went to the XXXX XXXX XXXX XXXX and provided Equifax with the index and page number of the Public Record XXXX page XXXX and it appears that Equifax is ignoring the supportive information that I am providing. I addition, I have queried the tax liens and my lien is listed on XXXX lines with the first XXXX stating that the lien was released and the XXXX line stating that the lien was filed in error. In addition, the recorders office indicated that they are willing to verify my information to Equifax if they call the XXXX XXXX XXXX XXXX at XXXX. While I have spoken with an individual at Equifax she appeared scripted and refused to let me speak with a Supervisor.
Product: Credit reporting or other personal consumer reports

I was in a XXXX  medical hospital due to the death of my daughter. I had no access to any devices while there. I was held by the state for attempting XXXX. I explained my medical issue to Capital One who refused to give goodwill allowance for a medical issue when all payment before and after have always been on time.
Product: Student loan

Due Date : XXXX of every month Payment Received : XXXX/XXXX/XXXX - {$73.00} XXXX/XXXX/XXXX - {$52.00} XXXX/XXXX/XXXX - Late Payment of {$15.00} assessed, reduced to {$8.00} XXXX/XXXX/XXXX - Contacted NAVIENT regarding late fee advised late fee was for month of XXXX and XXXX XXXX but could not provide clear amounts. I requested a statement showing that this outstanding balance was for late payment in XXXX and have not received anything and was told they do not need to show proof that this was for a late payment, no late payment is listed on the statement, instead the {$8.00} amount is listed under " other fees '' however on my online account shows " late fee assessed ''. The {$15.00}?? amount is not listed anywhere. The representative could not even provide me the correct amount of the late payment. 

XXXX/XXXX/XXXX - Late Payment listed on the account and advised by NAVIENT that if I feel I must complain they do not need to show proof or a breakdown or any notice of what fees are for. I was next told I probably " missed '' it on my account when I had automatic payments set up. Supervisor told me, " If it makes you feel better go and file a complaint we are not providing documentation showing the " other fees '' as late fees nor will we provide documentation with a breakdown showing the amounts of the late fees and what months they were for. Says " late fee '' was assessed by XXXX but could not show proof. 

Also now that they " waived '' part of the {$15.00} I have nothing to connect it with and no idea where they got this amount from. Late fees should not be assessed by a prior Loan Servicer 4 years after the fact. Makes no sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an old debt that was resolved with the original creditor. They have filed litigation cases as a means to contact me. I contacted XXXX in XXXX and was advised that the debt was no longer active in their system. 

XXXX XXXX is reporting the exact debt from Pay tomorrow. Both companies are reporting the same debt. I reached out to XXXX XXXX to dispute because the original creditor is still reporting the outstanding balance.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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, 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 U.S.C 1681. 
XXXX XXXX, XXXX, Experian Credit acceptance Corp : Acc # XXXX XXXX XXXX, XXXX : Acc # XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedate the report by more then seven years.

15 U.S.C 1681 s-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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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: Debt collection

I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Product: Credit reporting

I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to TransUnion on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

After the promo 0 % rate ended in XXXX on a balance transfer, I received a statement showing a rate of nearly 25 %. The account was current at that time and I had never missed a payment. I filed a dispute by letter dated XXXX XXXX XXXX regarding the interest rate and referring to the disclosure requirement in the truth in lending act. I withheld the interest charge but paid the undisputed amount going to principal. No response had been received so I have sent in two more letters to their dispute department at the po box BMO shows on their bills. No response has ever been received. I am getting collection calls, letters and emails from BMO in violation of Regulation Z promulgated by the CFPB to implement the Truth In Lending Act. 
Today I called the number shown on a BMO email regarding the card which connected me to a customer service agent in the collection department. She was unaware of my dispute and after two lengthy holds advised me to contact BMO 's fraud line XXXX. From my experience BMO is a XXXXbased bank which is total non-compliance with United States law and regulations.