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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 states : a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) 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.
Product: Credit reporting or other personal consumer reports

Due to a database breach from XX/XX/XXXX. My personal information was compromised. Such as my name, social security number, and date of birth. After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. I've notified credit bureaus by phone, mail and online. regarding inquiries several times. 

XX/XX/XXXXXX/XX/XXXX I must inform you that I am NOT responsible for the above listed inquiries as I have been a victim of identity theft. I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please remove these erroneous items immediately and send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Accurate Background regarding a pre employment background check that was to go back 7 years. Upon opening the report I discovered that information was included for something that is older than 7 years. Specifically, the date in my records as well as the date provided by Accurate Background is XX/XX/XXXX. The date of the report is XX/XX/XXXX. A dispute email was sent on XX/XX/XXXX to XXXX pointing out the error. On XX/XX/XXXX I called to follow up on the email. I was told that the disputes department wasnt available and the incorrect information had already been provided to XXXX, my perspective employer. The representative asked for my phone number and while I was getting that, she hung up on me presumably in response to my complaints that they have provided inaccurate information that exceeded the 7 year period I agreed to and have now cost me a job after ignoring my dispute.
Product: Payday loan, title loan, or personal loan

Loan Summary ( Loan # : XXXX ) My account XXXX On XX/XX/XXXX I borrowed {$10000.00} on a personal loan at 34 % interest rate, I was desperate and needed the money. Biweekly payments are {$190.00} or {$380.00} per month. they only do direct debits and debit my checking account every other Friday, so, the date keeps changing, and so does the application of my payment- the amount of interest and principal keeps changing- this does not sound correct, but they tell me its because the dates change for the payments- that's complaint # 1 we need to look into- see my documents attached. 
# 2 on XX/XX/XXXX I made large payment of {$4000.00} to reduce my balance and interest, I did it with rep. who charged me to take the payment, he said that the balance, principal and interest would update automatically within 24 hours, they did not, see attached, so I have called them 3-4 times and they said they would send me a corrected payment schedule, but they have not despite my repeated calls and e-mails, this is illegal in the State of CA. Reg. Z demands that principal and interests payments and APR be reflected accurately on any loan. In one e-mail to me they said I had used an e-mail address not on file, so they would only respond to the e-mail address on file, I said fine. then after 2 days I called again and they said they would send it by Monday the XXXX.  and on Sat the XXXX. I got another e-mail from them telling me that noting would be forthcoming because I had already spoken to another rep. they are usurious and dis honest and should be penalized. Pls. see attached Documents and e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 34 CFR 685.219 - XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

The company has been texting me every 10 minutes this evening. It went past XXXX. Texts today from them XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Vehicle loan or lease

I contacted the bank that my loan was through and told them I was having financial issues. They offered me two skip payments. They did not hold up their end of the bargain and repossessed my vehicle and refuse to help find out what happened to my skip payments.
Product: Debt collection

I recently looked at my credit profile and saw reports from all authorized accounts as listed below Credit union of Texas, XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX  Under the FCRA 15 U.S. Code 1681c2 These account shall be removed due to identity theft, The report is attached below.
Product: Debt collection

Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.
Product: Checking or savings account

I am a XXXX XXXX  employee. On XX/XX/XXXX, I enrolled in XXXX 's XXXX program through XXXX, the fXXXX XXXX XXXX XXXX XXXX program. As part of XXXX XXXX 's program I can invest in an XXXX. The only option permitted by XXXX XXXX to manage and run the XXXX account is XXXX Bank, a division of Webster Bank XXXX. 

Up until this point, XXXX Bank has collected the money that I set aside for my XXXX savings, then allowed me to transfer the funds to either XXXX or XXXX  for my own management of the XXXX funds. XXXX offers no fees on management of an XXXX account, and users must only pay the fee of whatever wide variety of options of mutual funds or stocks they choose to invest in, and there are thousands of choices available for customers ( in most cases, very low fees close to 0.02 % for a mutual fund that tracks the XXXX & XXXX XXXX. ) However, on XX/XX/XXXXXXXX XXXX 2024, I received an email from XXXX  Bank that stated that all customers must, starting from XX/XX/XXXX, invest their funds through an investment platform called " XXXX XXXX '' which charges a flat management fee between 0.1 % - 0.35 %, between 5x and 17x as much as the current management fees. Thus far, XXXX  Bank has not provided consumers with any information about what investment options will be available to them. Therefore, we are being forced to pay higher fees for completely unknown investment options. 

In addition, XXXX  Bank will no longer allow us to make changes within our XXXX accounts. I am only permitted to sell my holdings in XXXX and transfer the money back to XXXX  Bank if I want the money to remain invested. 

These changes are blatant profit-grab from XXXX  Bank that reduces consumer choice and control, and increases junk fees for what thus far appears to be worse options. This is blatantly anti-consumer behavior. As a XXXX  employee, I have no other choices for management of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX, XXXX put {$42000.00} for the purchase of a new home with XXXX XXXX XXXX California XXXX XXXX XXXX I informed the sales agent that I do not have the down payment and they suggested I go through Open door. 

That same day, without confirmation of funds to be received for my current home from XXXX XXXX, they began the application process to approve my loan. I submitted my current paystubs and an offer from the XXXX as a temporary second job. 

Soon thereafter, the offer from XXXX XXXX was {$100000.00} less than the down payment expected. XXXX XXXX of XXXX Mortgage continued to try to make the deal work with a second. I informed them I have no further money to put down on the loan. 

On XX/XX/2022, I got news from my second job offer that I would not be eligible to work. I submitted this proof to XXXX Mortgage and XXXX XXXX XXXX California XXXX XXXX. Rather than provide me with a denial of my qualification of the loan so I can obtain my deposit back, I was getting calls from both companies essentially forcing me to get my second job even though I do not have the requisite paperwork to qualify. 

I know that they are illegally withholding my deposit as I have now showed them ample proof that my income would no longer qualify for this loan. I am a single mom and this deposit is my entire life savings. I have been having XXXX palpitations due to their antics in not providing me my funds, rather continuously questioning me on my qualifications on the second job. At this point, I will not be able to work a second job or even my current job because I am so stressed out. 

Both XXXX XXXX and XXXX Mortgage, through their respective representatives have been calling me about my second job and stating they do not want to return the funds because they believe I can obtain this second job, despite being shown an email from the HR specialists that my application is not moving forward.
Product: Credit reporting or other personal consumer reports

Dear Westlake Service Inc, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : Westlake Service Inc, dated XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. 

This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. 
Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. 

If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. 

Please confirm in writing that the inquiry has been removed and payment will be made. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

Key bank is using XXXX XXXX and is refusing to refund my money when I brought a scam to their attention
Product: Debt collection

CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX  to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX  is showing its late 120 days with a balance in collection. The reporting again is inaccurate.
Product: Credit card or prepaid card

I have had the Goldman Sacks " Apple Card '' for XXXX years & I pay my balance if full monthly and it's set up on automatic payments in full on the last day of the billing cycle. I have not had any problems before with this. I also have two checking accounts listed there for payments ( XXXX & XXXX ). On XX/XX/23 in the early hours of the morning I received a notification that my payment of {$1800.00} was " declined '' - but the account number listed was NOT from either of my accounts. I immediately pushed through a payment of {$1900.00} from one of my accounts and another of {$17.00} from the other- both went through & were accepted. I was also charged interest for this - to date {$64.00} over this matter. I spoke to Goldman over chat on XXXX about this issue ( transcript attached ). Goldman Sachs apparently has NO IDEA HOW this happened, can not explain it & in spite of my multiple attempts to work with them, will NOT investigate it or return a call to me with any resolution or explanation. The agents all state they can not even see or tell me what account rejected it, admit there are only my two working accounts in their system & there must have been a " glitch '', but they can not help except for a one-time courtesy waiver of {$25.00} on interest ( which still leaves me out nearly {$40.00} ). I did have another account ( XXXX ) back when I first opened this credit card but the agents have all assured me that the old account was indeed correctly removed by me in XXXX of XXXX and that it was not the problem. I am also concerned about any reporting of this to credit bureaus as a " late payment '', when I in fact was not at fault & not only paid it timely but pushed through another payment the second I was notified of this issue. Something is NOT RIGHT with their system & their customer service and ability to investigate the issue is extremely poor.
Product: Credit reporting or other personal consumer reports

I ATTEMPTED TO VERIFY MY INFORMATION OVER THE PHONE, BUT THE REPRESENTATIVE SAID I DID NOT HAVE A CREDIT PROFILE, WHICH IS INACCURATE VERIFICATION PROVIDED : 1 ) CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX XXXX XXXX CURRENT PHONE : XXXX XXXX XXXX XXXX XXXX XXXX  CURRENT EMAIL : XXXX XXXX  ) DOB : XX/XX/scrub>XXXX XXXX  ) SOCIAL SECURITY NUMBER : XXXX I HAVE PROVIDED ALL INFORMATION ON THE PHONE, VIA USPS MAIL, AND NOW A DORMAL CFPB COMPLAINT WITH MY ARIZONA DRIVERS LICENSE AND SOCIAL SECURITY CARD TO VERIFY MY LEGAL INFORMATION, AS REQUIRED BY LAW. I DEMAND ACCESS TO MY CREDIT PROFILE TO MONITOR & MAINTAIN MY CREDIT INTEGRITY TO ENSURE ALL INFORMATION IS ACCURATE.
Product: Consumer Loan

I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more " news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing " Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign " Certified mail ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a mail dispute to Experian and XXXX about fraudulently filed bankruptcies ( XXXX XXXX and XXXX  XXXX ) on both reports. I requested a fraud block and submitted all required documentation. However, Experian and XXXX recklessly and without due course, refused my fraud blocks and validated the information as accurate. Both CRA 'S failed to conduct a reasonable investigation into the fraudulent bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, VA XXXX ; XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( EquifaxXXXX XXXX credit reporting agency. These inaccurate address and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.