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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ) 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 would like to submit a complaint because I sent a letter to the credit bureaus on XXXX-2021, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.
Product: Checking or savings account

On XX/XX/2024 I deposited in the ATM five crisp {$100.00} bills. The ATM had an error message that it was unable to deposit my cash and I was not able to get the cash back and if when receipt received wrong amount was showing for deposit amount to call some number. It wasnt on the screen three seconds to get a picture. The deposit amount showed {$300.00}. 
I called the number on top of the machine. She opened a case and advised it would be 2 business days to make decision. If I did not receive funds in 2 business days it would be 10 business days. 
Today is XX/XX/2024 and I still do not have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and XXXX XXXX compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g
Product: Student loan

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. 

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items from [ EDFINANCIAL SERVICES ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents can be provided to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 95XXXX ( 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

My complaint or concern is that I pay nearly 30 % of my net income to my federal and private student loans. XXXX in federal direct loan. XXXX to navient private loans. XXXX to my XXXX XXXX servicing provider. I make to much $ for the PSLF to help my cause in that 10 % of my income is XXXX {$.00} After 10 years paying that much it 's paid off which is great. The problem is I hav XXXX other separate bill payments to my private lenders which in turn does financially I hav to put more money towards private student loans due to high variable interest rates. My solution would b to consolidate my private loans into XXXX payment but I do not make enough money to find a lender to finance XXXX and get interest rates and terms to help my financial situation. My interest alone on all my loans is roughly XXXX $ 10 % of my income. I will never b able to pay off student loans paying interst only nor do I make enough money to put enough $ money towards principal. I need personalized help. Mainly I need student loans companies realize that I pay XXXX different lenders and I need my loans to XXXX payment at a realistic fixed interest rate. At this rate I will pay XXXX on the initial XXXX I took out.
Product: Debt collection

I ran my credit In XXXX and saw several items that I was not familiar with that were in collections. So I decided to write each one a short, consice letter asking for debt validation, to inculde original contract, an itemized statement of the monies in question, and their legal ownership of this debt including their purchase agreements with original creditor. I also asked that until this debt has been validated, it has also been disputed and I requested that they halt collection attempts. 

I recieved a letter from XXXX stating that all of my disputes with each place were in fact, validated... I then requested for the documentation that allowed them to make that statement through a second dispute. Again, all came back exact same way. 

After the second dispute went out, the reposne on my credit was that all debts were valdated according to FCRA requirements. They all went back onto my credit and my score dropped almost XXXX points overnight and has caused me to be declined business funding. I am on the verge of going out of business and facing eviction.
Product: Credit reporting or other personal consumer reports

Victim of ID theft, and the information listed on the FTC report need to be blocked.
Product: Checking or savings account

I applied for a XXXX loan during the pandemic to fund my what was to be, hair company. I received the money through Chime from XXXX. I had access to the funds, and I tried to make XXXX purchase and the card was locked. When I tried to see why it was locked, they said it was fraudulent. I ended up sending them my ID, Birth certificate, XXXX, a bill with my mailing address and the loan application as proof. After all that information they still refused to open my account or to even return the funds to me. My business has now failed XXXX XXXX not in so much debt and this loan was supposed to help me. I just want the money back so I can pay off this loan.
Product: Credit reporting or other personal consumer reports

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by [ Name of Bank ] included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a [ negative item listed ] in [ month and year of listing ]. 
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 XXXXXXXX : XXXX BANK ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date XXXX XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX am unaware of ever having a these items from this list Please validate this information with XXXX and provide me with copies of any documentation associated with this Suntrust bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have the right to privacy and no said company has respected that which would further more draw the line for me to file Civil charges in such said fraudulent activity. Each document that has been recently submitted with these forms will document how many times a debt collector has harassed me daily on my mobile device constantly threatening me with civil charges that has not ever came. I have sought out to have my credit froze due to this data breach and Identity theft. Neither said companys above has actually stop reporting Alleged accurate or inaccurate information until this DISPUTE HAS BEEN FINANLIZED. I have been consistently defamed of my character with a low credit score reporting with no VALID INFORMATION being given to me. I have also been denied credit on numerous of occasisions from credit card comapnies and loan companies. I request that all information that has been deemed to be Alleged Verified be removed from my credit report unless such said party can send me the ORIGINAL DOCUMENT WITH THE WET SIGNATURE that I did business with such said companies Reported above and originally in the dispute. In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 7. Defamation of Character ( per se ) 8. Negligent Enablement of Identity Fraud 9. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 10. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 11. Aggravated Identity Theft per 18USC 1028 12. Mental Anguish I hope you understand the severity of situation. 

Best regards,
Product: Money transfer, virtual currency, or money service

I spent over 2 hours on the phone with an agent of Coinbase. He would have contradicting information and refused to give any information I asked for except for their decision was final and he is not reversing or refunding anything. He stated he looked into all my cases yet when I asked him to look into a specific case number, he all of a sudden was not able to view that case. He stated I had plenty of time to resolve a chargeback or negative balance because I have up to 3 business days to do so but when I asked what notice and where my grace period was he would not answer the question. Its very odd that Coinbase stated my account just so happen to have the exact amount down to the XXXX needed to cover a negative balance I didnt know I had at the time - and depleted all my wallets to XXXX. Mainly XXXX. When I gave specific transaction numbers and case numbers, the agent refused to look into it and said he already has but then later said he couldnt look at that case. When asked to speak with a supervisor he stated I can not. When I caught him in lies, he backtracks and denies it. After 2 hours of going back and forth, when giving him specific numbers from information in my Coinbase account or specific emails from Coinbase, he refused to listen to them and talked over me. When I questioned the numbers at the end of the call, he made up that there was interest charged to make up the discrepancies im pointing out. After that he started retaliating and started giving me warnings for my language. Im sure the calls are recorded and I did not use profanity or inappropriate language a single time during the call. He went instantly from the first warning to a final warning when I questioned him about the warnings and the purpose and reason behind them, said he is going to start an investigation on my account and flag my account ( for what, I dont know ) and hung up on me. They offered no help or seemed to really care about any discrepancies on records from my account and their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.
Product: Mortgage

I purchased my house in XX/XX/XXXX my mortgage company was XXXX XXXX XXXX. In ct u have to pay ur taxes and my flood in a advance before you close. XX/XX/XXXX freedom mortgage bought my mortgage from XXXX XXXX. I'm getting letters from freedom mortgage that I'm XXXX in debt. When I call them and ask them why they can't give me an answer. And the only thing that changed was XXXX my property taxes went up XX/XX/XXXX. I tried 2 times contacting freedom to find out where the probaly is. They sent me 3 different statements wanting different amounts. I dont know if it stems from XXXX XXXXXXXX which I asked for my papers they claim they don't have anything on me cause I'm no longer with there company. XX/XX/XXXX I called freedom at XXXX XXXX trying to request an escrow analysis. The woman # XXXX was basically denying me says I dont have a valid reason to have one. Then continue to explain I had one in XXXX by the state of ct.and would send that analysis that they claimed they sent me already. Then she continues to say i need to have a cusion of XXXX in my escrow. Im very concerned I never missed a payment I can't get a straight answer out of any one. I'm going to make my XXXX they wanted XXXX. Then it was XXXX. Now it's XXXX. My credit is gon na b affected by not giving XXXX that I don't have.
Product: Credit card or prepaid card

i have had a spark business capital one credit card for over 20 years, i never have been late and always paid in full every month, i just received a letter today informing me that my card was being closed by them because after a review they determined that i do not align with their policy.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX XXXX XXXX veteran, XXXX by XXXX currently providing XXXX XXXX and XXXX XXXX  to clients in part as a volunteer. As a result of my XXXX I work with XXXX XXXX to make up in productivity and performance what I have lost in part due to my XXXX. I have paid XXXX XXXX for more than 5 years through online compensation systems, including XXXX, XXXX XXXX, XXXX, and more recently Remitly. In the past 3 months, all of my financial transactions sending funds to the XXXX have been declined allegedly for security reasons while I am doing the same thing I have done for the last several years except a modest change in address in which all parties have been notified. I find this extremely challenging as well as frustrating especially when the entities with whom I interact at all of the above-referenced locations indicate that it is the US Government who requires them to conduct business in a certain manner, requires specific personal information about all parties including relationships, ways of meeting, personal or other interaction, services rendered, amounts and frequency paid, tax ID information and social security information relative to me and my business, dates of births and entity formation dates, number of entity associates, number of foreign associates/XXXX XXXX n the payroll, number of locations, my personal, physical location at time of money transfer and many other questions which seemed for the most part very intrusive and certainly if they were being asked by a local financial institution, would have been considered a violation of my rights to privacy among several other infractions which I would consider appropriate as part of this rather challenging process. Please help me to understand where the privacy line crosses national security or any other barrier when I am compelled to give to foreign nationals the same information to which I am told I have the right to remain private and further, why a notable law abiding US Citizen who held a secret clearance and understand something about national security or anyone else to do legal business in this arena and through the above mentioned entities would be subjected to this type of inquisition without being given a reasonable explanation in writing or some other recognized media other than being advised over the telephone by representatives of the above entities that the US government compelled receipt of the said information in order to transfer a fund by wire to an individual or entity outside of the US but more specifically the XXXX.
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have had in the past even though I had sufficient funds at the time the transaction was authorized. I was charged fees due to delayed or lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. I believe these practices are unfair.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT NAMES 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, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 USC. 1681-2 ( 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 or other personal consumer reports

I made complaints before that the information on my consumer report is incorrect my name is XXXX XXXX XXXX aint no XXXX I remmoved addresses that i no longer reside at and some how they still on my report it should only be 3 address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX