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

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have changed my email address on my Citibank credit card account over two weeks ago but I keep receiving emails on my old email address. I have contacted Citibank multiple times, spoken with supervisors, and they just tell me that's normal and that eventually the emails will stop being sent to the old address.
Product: Checking or savings account

I got tired of Wells Fargo changing my transactions around so they can charge me overdraft fees, and I closed my account.
Product: Credit card

I have a credit card with Bank of America. I had never missed a payment. There was an autopay issue, which was an issue on their end. When I inquired about it they had to involve their IT team. It took days for them to fix the issue. Due to the autopay issue, which, again, was Bank of America 's fault, I have a 30 day late payment listed on my credit report. 

Bank of America, realizing its error, refunded my late payment penalty. They did not correct my credit report. They said that only XXXX could do that. I am not sure why they only mentioned XXXX. In any event, I do not believe that they could not correct this on their own initiative. 

I filed my dispute with XXXX. XXXX said the late payment was verified to be mine. Of course, it did not address which party was at fault. Thus I called Bank of America again. They said that by law they could not remove this from my credit report, even it it was their fault. I do not think this is true. They could not provide me with a statute or regulation to back up this stance. I think this is because there is no such legal authority. 

Bank of America said their calls are recorded. I am requesting you obtain the phone recordings of my calls to verify everything above it correct. Once confirmed, please remove this from my credit report. 

Thank you.
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 and 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XXXX I submitted complaint number XXXX to the CFPB detailing my disputes with TransUnion, a consumer reporting agency. On XXXX I mailed TransUnion a notice disputing the inaccurate public record they were reporting to my consumer report. TransUnion received my notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX. TransUnion 's response to my dispute was that the " US XXXX XXXX XXXXXXXX XXXX is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXXXXXX XXXX and they replied to me that they DID NOT verify or furnish such information to TransUnion. 

On XXXX TransUnion responded to my complaint to CFPB through the CFPB portal. TransUnion replied After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXXXXX XXXX  updated. 

The attached exhibits provide clear evidence that the XXXX XXXX XXXXXXXX XXXX is not the furnisher of information. TransUnion admits, in their letter dated XXXX titled Re : Investigation Procedure, that they hire a third party to research public records. I maintain there are instances where public records contain inaccurate information. By continuing to assert that the XXXX XXXX XXXXXXXX XXXX is the source and furnisher of information to TransUnion, they are hindering and obstructing my right and ability to dispute this information directly with the furnisher, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ). TransUnion is committing a FRAUD against me by not disclosing to me the third party they hired as the furnisher of information which they are reporting. 

By continuing to report this inaccurate, and unverified information to my consumer report TransUnion is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) due to the fact that they have reasonable cause to believe that the information is inaccurate. 

TransUnion has failed, on numerous occasions, to verify the information which they are reporting to my consumer report. TransUnion has failed to assure maximum possible accuracy of the information in the consumer report which relates to me, a violation of 15 U.S.C. 1681e ( b ). I demand the immediate deletion of this unverifiable information that is reported on my TransUnion consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} GREEN DOT BANK Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies XXXX XXXX, Experian and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the account.
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 violates the consumer 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE. 

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE REHABILITATION PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ).

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX DATA BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX  XXXX.
Product: Debt collection

My wife and I each had a debt to a local hospital. The collection agency combined our debts and our medical information and sent this to each of us. While they are allowed to share medical debt with spouses, they are not allowed to share with spouses the very specific medical information that they sent to each of us.
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. 

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 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 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: Debt collection

Mars collection company call me four times to collect on XXXX XXXX. XXXX I ask them to please take me to court.That I was not paying that amount four the apartment was not in good condition.Such as water coming out of the floors I complained 7 times in two months..The doors to the bath room was coming off the hinges and my wife was attacked by 10 people and there kids.. the manager asked me what would u like me to do.. they refuse to take any action. Or correct the problems..instead I moved out because my wife has XXXX XXXX and it was making her even worse ... then they charged me for moving out of apartment me could no longer live in because of condition and I was tired of complaining..and nothing was getting done
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and provide evidence of a current false derogatory remark on my credit.  Currently, there is a derogatory mark under the company XXXX XXXX   that has claimed and reported on my credit that there is a loan amount of XXXX with a XXXX past due amount in collections.  These numbers are incorrect.  

The principal amount of the loan was XXXX and has been placed in
settlement for the amount of XXXX.  I have paid a total of XXXX to XXXX XXXX  since the principal amount was disbursed and have enclosed a payment history that reflects my payments.  I have enclosed the documents with the correct information with this letter with notations identifying the original loan contract, the settlement documents, and the credit report with the false information.  
 
The credit company XXXX  XXXX  had sold off  this account to a third party agency during the time that I was XXXX with XXXX and has reported false information.  I had reached out  to XXXX  XXXX  when I had been XXXX with XXXX   as soon as the federal health department confirmed my XXXX  results on XX/XX/2020,  and XXXX   XXXX  in response sent me a notification from customer support stating that my account would be pardoned  as a pandemic relief for 90 days.  However within these 90 days, they sold my account and falsely reported an outrageous collections amount along with a false past due amount.    

 With this complaint I am providing the documents to show the contracted 
principal loan amount, a summary of my payment history, a settlement offer, and the current statements from my credit that shows what they have reported.  I would like to resolve and clear this error.

Also, I find it disheartening that XXXX  XXXX  had notified me that my account would be pardoned during the time of my XXXX from XXXX, only to then to force me into an expedited settlement during my vulnerable times with a third party they hired and then report false information. Not only is it insensitive
during this time of a global pandemic, it is highly unprofessional and is an abuse of business practices.  Additionally, I had reached out to XXXX  XXXX  on multiple occasions in XX/XX/XXXXand XX/XX/XXXX, and not only was I unable to get past the phone automated system to set up a payment plan with customer service, they also failed to honor  90 day pandemic relief.  I reached out to customer Support via email on the dates of XX/XX/2020,XX/XX/2020, XX/XX/2020, XX/XX/2020  regarding
a resolution for my account and to confirm my settlement offer and I did not receive any response besides automated messages stating that I needed to respond to the settlement, which I HAD. Also, mind you, this was all AFTER they had sent me a pandemic relief "pardon."   All of my emails had gone ignored.  Also, Regarding the false information reported by XX/XX/XXXX XX/XX/XXXXto the credit bureau, I have emailed with supported documents on XX/XX/2020 to have the false report corrected and have not yet received any response
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting.

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call XXXX on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have XXXX address the failure she did have all my credentials, no excuses they can find her and address it.
Product: Checking or savings account

I bank with JP morgan with Chase and for the have been charging me {$25.00} service fee for no reason. As you can see below, I had all the charges reversed by either making a trip to one of their location or by making a phone call. Each time I was told it was an linkage error and it would never happen again. In XXXX I wanted to be proactive and went to their location and spoke with a lady by the name XXXX XXXX. She told me everything looked fine and I should n't see any charge. As you can see below, I was charged for the 7th time on XXXX XXXX and I will go tomorrow and close the account and move my money to a different bank, but in the mean time, I think this is stealing and that 's why I decided tfile a complaint. 
Please see below. 
DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION
Product: Checking or savings account

I am writing to file a complaint regarding numerous overdraft fees that were charged to my account by Navy Federal Credit Union. I have been a customer of Navy Federal since XXXX  and have always been diligent in managing my funds. However, I believe I was charged unnecessary overdraft fees due to a series of transactions that I do not fully understand. 

On several occasions, I noticed that payments were processed and then processed again, leading to multiple overdraft fees for the same transaction. I initially thought I was mismanaging my funds, but after reviewing my account, I realized that the same payments were being processed twice, which caused my balance to go negative and resulted in the overdraft fees. 

Although I do not have the exact dates or amounts for these charges, I can confirm that this issue occurred multiple times over the past several months. I attempted to resolve the issue by contacting Navy Federal 's customer service, but I have not received adequate assistance to explain or correct the repeated charges. 

I am requesting a review of my account and a refund of the overdraft fees that I believe were incorrectly charged due to this issue. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I asked for an online payoff quote which was a certain amount. Then when I sold the vehicle to a dealer, the payoff went up by {$700.00}. When I inquired as to the disparity, Audi Financial told me there is a different payoff for a dealer ( based on fair market value ) than the payoff would be if I personally paid off the vehicle. I contracted for a certain amount of miles in my lease, and I paid that amount. It should be irrelevant how they are paid off. To resolve this, I had to payoff the lease, wait a for a title, and then sell the vehicle to a dealer. Audi is  participating in an unfair business practice and should be fined for this behavior. It's clearly corporate overreach.
Product: Debt collection

on XX/XX/year>, i tried to make a purchase and card had declined. I made contact with my bank and after some research they told me that my bank account had been frozen due to a law firm taking action against me on a debt owed. I then called the company ( Abbott Osborn Jacobs PLC out of XXXX XXXX, IA ). they notified me that i owed a debt of {$1500.00} and they took action to freeze my bank account. I then made some phone calls and decided to pay the amount in full on XX/XX/year> over the phone with a different account to settle the debt. The payment then processed 6 days later and was considered paid in full. Fast forward to XX/XX/year>, I checked my bank account and noticed it was unfrozen with a balance of {$0.00}. a transaction labeled " garnishment '' and transaction type " withdrawal '' of XXXX was taken out of my account from Abbott Osborn Jacobs PLC. I immediately called the law firm and requested my refund snice the account was paid in full from a different account. They stated that my local sheriffs department was in charge of releasing those funds to them and then they would refund me. I contacted my local XXXX Department and talked to the person in charge of garnishments and he had told me that the XXXX Department is not responsible for holding money or dealing with anything that has to do with money. They only deliver paperwork. I then called Abbott back and told them exactly what the XXXX said and he then got hostile and told me there is nothing they can do for me to refund me my money until the XXXX authorizes it. 

I want to report this abusive behavior of this law firm and their practices.