23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Checking or savings account

Wells Fargo engaged in large amounts of overdraft fees.practices that were highly fraudulent.
Product: Student loan

My federal student loans are serviced by Mohela. Mohela has double reported my loan amounts to the credit bureaus. It has negatively impacted my credit score by artificially increasing my total debt. They are over reporting XXXX worth of debt. I waited to see if it was a mistake that would be fixed but after a month and contacting Mohela nothing has been fixed.
Product: Debt collection

I have disputed this account MULTIPLE times with the Credit Bureaus and also the debt collection agency. Not only have they not sent any proof that this debt is mine, according to the FDCA, a debt should be removed after 7 years of the first missed payment. ( Not the date the account went into collections ). This collection is passed 7 years and I want it moved from my XXXX  report or I will be contacting my State Attorneys office.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX and also early warning services ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a credit card with sun trust bank on XXXX XXXX since that time I set auto pay so all my payment come out from my bank account with XXXX XXXXXXXX ending XXXXXXXX since the i never had a problem with late payment until Truist Bank purchased Sun Trust on XXXX never once i was informed that my auto pay would not migrate to the new Truist bank despite their claims that that they have informed me of their error. on three occasions they called me about late payments that were shorter than 30 days interestingly enough i made the payment over the phone and they had my XXXX XXXX information I thought it was strange that they had my XXXX XXXX info but they didn't use it for auto pay. Fast forward to XX/XX/ I got a message while I was overseas tending to a XXXX father that I was late. At first i was perplexed why are not using auto pay, so when I came back to the state i contacted the bank immediately to resolve the issue so on XX/XX/ I spoke with XXXX XXXX XXXX and explain the situation. XXXX XXXX assured me that it was a bank error and she also refunded the late fees however, she did nothing to correct the problem with the credit agencies. On XXXX XXXX I contacted the bank again this time i spoke with XXXX XXXX XXXX who also insisted that it was a bank error but referred me to her supervisor XXXX XXXX, XXXX XXXX assured me that XXXX bank will fix the problem with the credit agencies still no correction in fact the credit agencies validated the debt wich caused my credit score to drop by XXXX point causing me to lose a mortgage i was refinancing. 
To add insult to injury today I received a letter from a XXXX XXXX XXXX apologizing for the " frustration '' that the bank merger caused oh yes ruining my credit was merely a frustration to XXXX XXXX. Frankly his letter was despicable to say the least. To say I am a disappointed with a respectable bank 's action its an understatement. Three different bank employees on three different occasions admitted to the mistake including XXXX XXXX second paragraph. I feel that my rights under the fair credit act as well as the care act were violated by Truist bank and I am requesting that they correct their mistake ASAP
Product: Prepaid card

On XX/XX/year>, I received a Cash App Card debit card that I did not order. I called Cash App on XX/XX/year>, at XXXX ( XXXX ) XXXX, and a representative sent me an email with questions and a link to upload images of the debit card ( emails attached ). I promptly emailed back the questions and uploaded the card images. The screen displayed XXXX XXXX XXXX and Submission ID # XXXX after uploading ( print screens attached ). 
I received an email stating that XXXX XXXX would assist me with this matter. However, I have not received any further information from Cash App. On XX/XX/year>, I sent Cash App an email inquiring about the status of the investigation into the unauthorized debit card issued in my name and requesting confirmation that the fraudulent account associated with my name has been closed ( email attached ). 
I have not received any response from Cash App.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union Regarding multiple Overdraft fees, I inquired. Despite having sufficient funds, when charged, I was charged overdraft fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against navy federal, for similar practices, Where Transactions settled With insufficient funds, even though I had the money available. I believe these were unfair transactions, and I think my account should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

TOOK OUT MORTGAGE WITH XXXX, XXXX XXXX XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO NATIONSTAR, XXXX. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXXXX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX My employer is : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX / XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I use Zelle, and before they added their current warning, I feel like they were taking advantage of myself and others for their predatory practices.
Product: Credit card or prepaid card

A {$100.00} gas gift card was purchased at an XXXX XXXX Gas Station on XX/XX/. The clerk at the time said the first transaction " did not go through '', so she rang it up again. We are unsure whether it was the same or a different gift card that was scanned the second time, as it was not visible to us. Regardless, a singular gift card with a {$100.00} balance and a single receipt detailing such was received by us and later given as a birthday gift. 

Upon receiving the credit card statement from the card used to purchase said gift card ( a Chase bank credit card ), the {$100.00} charge appeared twice, once for each " transaction '', though, as mentioned above, only one gift card was scanned and received with a balance of {$100.00}. The balance was also reconfirmed with the gift card recipient. After multiple attempts to contact Chase via telephone, a dispute was finally created for a double charge ( Code 392 Duplicate Sales ) and we were updated via letter that the dispute was being investigated as ofXX/XX/XXXX The dispute was denied on XX/XX/. The evidence provided was an email sent from XXXX XXXX Card Services to the retailer issuing a chargeback. On the provided email, the dispute reason is circled, and " Yes '' is handwritten, though it is unknown by whom. Two separate receipts were also given, each with a {$100.00} " XXXX XXXX '' transaction. The receipts were identical besides having different transaction numbers ( XXXX and XXXX ) and being 38 seconds apart. 

This evidence provided suggests either that : 1. The retailer agreed that the chargeback was valid, as portrayed by the hand-circled " Yes '' in the email copy, and Chase still refused to issue the chargeback. If this is the case, Chase needs to provide more evidence of the denial reason. 
OR 2. The retailer disputed the chargeback to XXXX XXXX Card Services, who then disputed it to Chase, and provided only the 2 receipts as " sufficient '' evidence. If this is the case, given that the item purchased was a gift card, it seems reasonable that Card Sevices should be able to identify that either the same unique gift card was scanned twice or two separate gift cards were scanned. Should the latter be the case, the denied dispute would make sense, and a police report would be necessary for theft ( regardless of whether it was the fault of the sales system or the clerk ) given that only one gift card was received.

However, we have no way of knowing given the extent of the evidence provided, as regardless of what occurred, the evidence is wholly insufficient as it was provided, and no further explanation was given. 

Chase has provided no way to appeal the decision or request further evidence besides their normal helpline for questions which has proven unhelpful as representatives are rarely available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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

XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX Inquired on XXXX XXXX, 2022
Product: Bank account or service

Please refer to this Case number : XXXX. I tried taking out my money from citi 's account - XXXX checks ( $ XXXX and {$400.00} ). My checks are getting bounced and my XXXX charged me {$7.00} fees for each of the XXXX checks. How come citi can deny taking out my own money? I know there is no insufficient funds. Neither Citi let me access my account nor sending any statement. On top of it- when i want to move out my money-i am given hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.
Product: Checking or savings account

Pnc refuses to give me my money back from ach disputes, stolen checks and debit card transactions while I was overseas serving my country my cards were stolen and my identity was stolen I provided the police Reports, ftc reports and the suspect who stole my cards and checks is in custody and Pnc continues to refuse to give my me funds and denies my claims They are stealing my money, theyre stealing from United States veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.