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

I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Product: Credit card or prepaid card

BEWARE OF XXXX XXXX 'S PUSHING THEIR CREDIT CARDS ON UNWARY CUSTOMERS! Speaking as such a customer as well as a consumer economist, I found that they claim instant issuance of a credit card, whereas my wife and I stood in line for a half hour, early in XXXX of XXXX, while our frozen groceries melted -- only to be told that we would get a letter in the mail, which took weeks to arrive! We had just moved to XXXX XXXX and Target declined to issue us a card for that reason, whereas we got cards instantly from XXXX and XXXX. Target  store staff fail to mention the truth about their cards, making it seem that newcomers have no problem being approved, and that the cards are issued instantly -- which is a bald-faced lie. Try entering a Target store, and the " greeters '' corner you to push their cards, as do the checkout staff too. These high-pressure tactics lead unwary consumers to apply for a Target card, but be denied. 

FURTHER, writing to their corporate officers -- including XXXX XXXX XXXX and their top media staff -- does not even merit a response. Target does not even reply to customer service complaints, on their own comment form! Target top staff are high-handed, heavy-handed, and do not honor their own corporate responsibility statements. Target compounds injury ( by lying about their card issuance ) with the insult of non-response. Given their pious statements of respect for their customers and customer rights, this firm behaves abusively & does not deserve customer support. A full investigation of these abusive practices and misrepresentation is quite overdue! 

Ps. By way of background, I am a consumer economist who helped former XXXX XXXX XXXX XXXX write the original CFPB legislation, and who also advised your first XXXX XXXX XXXX. I am proud to have helped the XXXX people by doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repporting Act Convergent account XXXX XXXX XXXX acct # XXXX, XXXX XXXX 2 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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 an account without my written instructions.
Product: Student loan

I made a previous complaint about a month ago ; I had a private loan transferred from XXXX to XXXX XXXX XXXX and was not informed of the change. While that previous complaint was resolved, I continue to have problems with the XXXX-XXXX   transition. My issues are below : 1. While my private loan has finally transitioned over to XXXX and I am able to pay online, the monthly amount requested is totally different. XXXX   extracted from me {$180.00} per month for my private loan, most of which was principal. XXXX is requesting {$86.00} ( See attached images of monthly loan payment ). Why is this amount different? How much of this is interest, and how much is principal? Since the terms of my loan are unchanged and I am not ( nor have I ever been ) on a payment plan, I expect to pay the standard interest rate and principal per month. 

2. My public loan that was previously being serviced by XXXX has now disappeared without a trace ( see XXXX documentation from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been notified by XXXX of this change. The loan is not in my new XXXX queue, and when I called XXXX, they told me that this loan ( of approximately {$9800.00} ) is not being transitioned to them. Where did it go, and how may I pay it? 

MEFA will not respond to my queries about where my second loan went or why my payment rate has changed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX I called Bank of America to report fraud on my UI debit card. {$120.00} was taken from the ATM. They cancelled the card and forwarded me to a claims department - I waited forever and was disconnected. Tried again and didnt get through. Finally when I had a spare hour ( I have XXXX kids at home for school ) I called back in mid XXXX. The agent asked me a bunch of questions ( he also mentioned this was an issue with others ) The next day I went to get money out. The ATM message was to contact the vendor ( not exact word ) which meant unemployment. I called Bank of America and basically they said it wasnt their doing - it was UI that cancelled my account.

It took me literally a week to get through to UI fraud division. They said my UI account was good standing. That it was BOA that closed my account. They told me to send SS and drivers license to them. They would approve an unlock on my account which would take 5-7 days. This was around XX/XX/XXXX. Finally last week around XX/XX/XXXX my account was unlocked. The only money in the account was the $ which should have been in there when I reported the fraud. 

They owe me over a month in filings. Also they owe me for the fraud {$120.00}. The card wasnt secure with Chip etc. and obviously because others having same issue they need to address this! UI is still depositing $ into the account but the money isnt there!
Product: Prepaid card

I bought a XXXX giftcard. When I got home and opened it, it was scammed. Someone put a fake barcode which matches the number on the packaging. I always check the number and touch the barcode too but this time the copy had a barcode feeling on it. Whoever is doing this, is very good at fraud. 


Under the barcode that was activated and was only a copy, was another card which says {$100.00} on it. Someone took this card and inserted the copy and replaced it. The information you requested is attached. Value purchased was {$500.00}.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Checking or savings account

There at XXXX, XXXX dollar charges having been withdrawn from my account. From XXXX separate chase banks. 
I informed the police, and they did their investigations. They found that someone other than me, and my mom ( both on account ) withdrew money off a " device '' not from a card. 
When I gave chase bank the information they said it was fraud on XXXX separate occasions. 
So I submitted a " formal complaint '' and that was also declined. The fraud department says there weren't any " new devices '' added to have even withdrawn the money. 
Yet refuse to explain how that person could have done it without a " new device '' nor has my mom XXXX XXXX ever used a phone or smart watch to have any access to her savings account. 
Police report number XXXX Fraud number through bank XXXX
Product: Debt or credit management

Hi Midland funding XXXX Midland Funding XXXX is reporting to my credit. I have already paid them. They actually garnished my checks. So how are they still reporting to my credit. I wrote letters to the credit agencies and they keep saying that they verified. This is a violation of the fair credit reporting act. I am ready to file a compliant with the Federal Trade Commission as well. Please help me with this because I am unable to handle my business as far as refinancing my house. They have been reporting untrue information about me for years and this is unacceptable. I have proof that I have paid these accounts.
Product: Payday loan, title loan, personal loan, or advance loan

received a phone call from a bank associate ( XXXX XXXX ) who was exceptionally rude, ugly, combative and nasty! She claimed my loan has matured and that I owed XXXX more payments. She called my loan past due and that I was being reported to the credit agencies as being 60 days late. I NEVER HAVE HEARD ANY OF THIS PRIOR TO THIS PHONE CALL. She claimed that I filed for hardship and she would email me the document right away. I've never applied for or signed for this. I had it out with the bank twice already for reporting me late during covid. I was just now getting that 12 months behind me and hoping for my score to improve. I was, in fact, never late. My payment sat in a drop box for months when no one was picking up mail from the branch. Once these people report you... you have NO recourse. I'm sick and tired of these people. I never got the emailed document. I can not get an answer from the number where I spoke with the rude lady. I left messages ( voice and email ) and even submitted a complaint to the bank. I get NO response. No call back, no email reply. They also lost my Title for the car being held as collateral. I PAID THE LOAN OFF. I have NO Title, noone to take my calls and NO documents showing that my loan matured!! These people are criminals!
Product: Checking or savings account

When I opened it being told by XXXX numerous of asking getting upset pleading and different associates saying you have three accounts also the representative gave me my account numbers and they closed it saying activity fragilent I never had a chance my XXXX  is a veteran XXXX and my XXXX XXXX XXXX  I have papers I have. Stocks bonds they weren't going to give me what's mine I'm XXXX with XXXX kids I just needed my funds to feed my kids and told them I wasn't taking it out I would stay with them but they kept sending me paper work themselves alerts I have proof where do I send
Product: Money transfer, virtual currency, or money service

I paid my final payment to Genesis Credit in the amount of {$840.00} on XX/XX/2023. I was subsequently charged twice in the amount of {$840.00}, totaling to an amount of {$1600.00}. When contacted about a refund a Genesis Credit representative offered restitution in the form of a paper check delivered by USPS mail within the stated allotment of 30 days. When contacted after I didn't receive a check after 30 days, Genesis Credit stated the check was mailed on the XXXX ( not sure of the exact date ) of XXXX. As of now, I am waiting to be contacted by the company to find out where my money is and how they are to deliver it to me. The predatory nature of their practices makes me concerned for seniors and citizens of lesser faculties.
Product: Debt collection

Sent them a Debt validation letter and they never responded back they have no authorization to report anything on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$4400.00} which includes payments posted XX/XX/2022 Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Checking or savings account

I am writing to file a complaint with navy federal credit union regarding multiple over draft fees that I have occurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to 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 balances despite initially available funds. I believe theses practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims to be a great company and many other companies use it as a credit service. Meanwhile they don't report accurate information and they only point fingers to other companies. 

They do a terrible job at accumulating information and reporting accurate information. Therefore hurting the consumer. Their lack of communication and accurate reporting hurts ultimately the consumer. Hence everything with having to do with my XXXX  XXXX  in which they deleted on purpose inaccurate credit card reporting and ultimately not being held accountable for their own errors. The creditors act as mirrors. If they report one report it will go to another hurting the consumer. 

These credit agencies are a danger to the consumer and report inaccurate information. All they do is try to push their marketing and try to charge you money for things that do not work. They push emails on credit cards in which you do not need. 

They are enormous marketing machines and they do more harm than help. 

Thanks
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Amex, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : American Express Card acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned account reported, is unfamiliar to me. The Account listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done