23daVinci/CFPB_Complaints huggingface dataset:
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. '' XXXX and 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 XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( 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. XXXX and 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 service.
Product: Payday loan, title loan, personal loan, or advance loan

I was desperate because I was facing a possible eviction and I applied for an online loan to pay the rent and they gave me a XXXX XXXX XXXX  loan, payable every two weeks debited directly from my bank, when I saw that they charged {$390.00} I called them to ask why they charged me such a high monthly bill, and they said no, that amount will be debited every two weeks, and told me that the interest is 466 % interest. 
I told him I can't pay XXXX XXXX  a month for a loan of XXXX XXXX XXXX  and he told me you already signed, but I don't remember seeing that amount in interest. 

I think it's a scam that they charge 466 % interest, they charged one installment and stopped the payments at the bank because I can't pay that amount in interest, it's crazy.
Product: Debt collection

ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....
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 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, 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed and your account. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer I wont all accounts REMOVED
Product: Mortgage

seterus inc was replaced XXXX XXXX due to fraud with my mtg saying that i was not paying my mtg when i was documenting all payments via XXXX XXXX service center agent nevertheless {$40000.00} was added to my mortgage when the remaining mortgage was only $ 40,000.I have documentation and so does XXXX, XXXX XXXX file foreclosure and switch me to Seterus inc where the fraud continued. Seterus inc contacted me XX/XX/XXXX stating that they have money that's owed to me and i need it all now. in fact i need both XXXX XXXXXXXX and Seterus Inc clear the Foreclosure off my credit report completely and reimburse me the full amount they really owe with pain and suffering.my wife called about the reimbursement of the check she was told she could not speak on my behalf therefore we sent a letter into the corresponding inquiries and notices Department in XXXX Connecticut.three weeks & we never got a response.I called in on XX/XX/2019 and was told they had no information loan number XXXX XXXX XXXX XXXX & address no checks. 3 cks 1 ) # XXXX {$2900.00} 2 # {$120.00} 3rd check {$46.00} # XXXX ( please acount for all fraudulent fees charged in fake foreclosure forced me to refinance when I only owed around 40,000 ) I saved all my documented proof
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX I submitted a request to cancel my XXXX XXXX XXXX XXXX booking for a voucher, valued at XXXX, as per the terms outlined in their help article. The terms clearly stated that cancellations for vouchers were allowed up to two hours before the flight. Despite meeting this criterion, my request was denied. 

I contacted an XXXX XXXX agent who initially acknowledged the error and assured me the voucher would be issued. Later that day, I received conflicting information, stating the voucher would not be provided, and the case was abruptly closed without recourse. When I asked to speak with a manager, I was told a new case would be opened, and I would receive a callback, but no follow-up ever occurred. 

Subsequently, I raised the matter with my credit card company, which opened a dispute. However, XXXX XXXX rebutted the claim, stating that their terms and conditions prohibited flight changes. I later discovered that XXXX XXXX had updated their terms and conditions after my booking, likely in response to complaints such as mine. This retroactive change to policies is dishonest and misleading. 

I have attached evidence, including a screenshot of the terms and conditions in effect at the time of my booking, to demonstrate the validity of my claim. Despite multiple efforts to resolve this, I have yet to receive the voucher or an acceptable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
Product: Debt collection

There is a company that keeps pulling my credit. These credit inquires are hard hits that have dropped my score dramatically. I have not requested a payday loan but every year they keep pulling it. Last year they told me I owed them money which I did not. They then changed there story a few months later saying I applied which I have advised them I never attempted to do so.I would like them to stop pulling my credit without my permission. They most recently pulled my credit stating I requested it but I did not. 
I have asked them to never do business with my social security number or contact me prior to trying to establish a new loan they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, Equifax and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, Equifax and XXXX require this information to remove fraudulent items from your credit report. XXXX, Equifax and XXXX have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Product: Debt collection

XX/XX/2022 Date added on Credit Report Amount {$73.00} I have paid this insurance fully. I have attempted to contact them long time ago. This is causing me financial damage and needs to be removed immediately from my report. Its incorrect and have been fully paid.
Product: Checking or savings account

Citizens Bank is still re-ordering transactions to maximize overdraft revenue. Please refund my {$140.00} from last week. Thank you and happy Holidays!
Product: Checking or savings account

XXXX XXXX put a block on a merchant without my consent or notifying me a block was put on the merchant, or the reason for the block. This block resulted in significant data loss from the subscription service being discontinued due to the block. 

XXXX XXXX then took several days to remove the block, something that normally could be done much quicker should a reasonably professional effort be made to do so by XXXX XXXX.
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 and TransUnion credit bureaus must validate this Account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Account as unverified information without providing any proof within the period allowed by law. The listed Account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : 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 Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

Account Name 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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

New Complaint from Complaint and Response Below I was never informed of a service balance due from XXXX. The request was for returning equipment. What verification is there for this service balance? 
This whole time I have not received any bills from XXXX. This is outrageous. I would like proof of this service balance. When requested to close the account all they said was to return the equipment and the balance would clear. 

My Complaint Date XX/XX/XXXX COMPLAINT ID XXXX Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/XXXX. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping. 

Company 's Response Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account balance is now {$0.00} because the XXXX  belonging to XXXX  was returned to them however, there is a " service '' balance due of XXXX
Product: Student loan

On XX/XX/2024 ( 7 days ago ), I received a disturbing email from XXXX, the loan servicer stating that I had 30 DAYS to make a payment or request a deferment or forbearance before the loan would be accelerated to a debt collection agency. I filed a deferment in a very timely manner and prior to their deadline. I should have until about XX/XX/XXXX ( since according to their email on XX/XX/XXXX I had 30 days ). 

I received a denial because I don't qualify for an Economic Hardship Deferment. 
I earn XXXX XXXX  of the XXXX XXXX XXXX and am currently on XXXX Assistance. 

According to a chat with XXXX on XX/XX/2024 at approximately XXXX EST, I was advised that " these '' loans do not qualify. The biggest issue is that, XXXX disregarded their promise to me that I had 30 days to handle these loans as they have already sent the loans to collection. 

In addition, these loans shouldn't even exist as I was enrolled in college under false pretenses and lies. The college of attendance, XXXX University, lied and violated their contract to me about the cost of schooling. In respect to that, XXXX XXXX loans were forgiven under the XXXX XXXX XXXX XXXX XXXX Lawsuit. 

I was forced to withdraw from college with XXXX CLASS left to graduate because the college overcharged me by 1000 % and I was unable to pay for their typo. The cost of these loans should be covered by XXXX University for breaching their contract. 

The contract stated I would have to pay {$50.00} per month to the school due to my current financial situation, it was significantly lowered from the normal. I forgot about these payments. After 10 months of schooling, I was approached by the XXXX XXXX  office that I had to pay {$5000.00} or withdraw ( and with a condescending tone as I remember the conversation ). If the contract was not breached, I should have only had to pay {$500.00}, which I could have done. Due to the impossibility of obtaining {$5000.00}, they forced me to withdraw with XXXX XXXX left to graduate. This has caused a huge downward spiral for the rest of my life, to include myself and my kids becoming homeless due to owing student loans and not having a college degree.
Product: Credit reporting or other personal consumer reports

i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''