23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 : 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

I am receiving daily phone calls from this company who will not leave a voicemail from XX/XX/year> thru today XX/XX/year> each time from a different number than the last. I have called the number back from a separate line and they were requesting personal information in regards to collecting a debt to which I promptly hung up as I have not received any formal information via mail of an attempt for a debt to be collected and believed it to be a scam.
Product: Student loan

Hello, I had a federal loan for {$10000.00}, last year I was going through a divorce and was n't working full time, just doing odds and ends to make money. It was a rough time for me. I was contacted by Navient and they suggested to put my loan in a deferment until I could get into a position to repay my loan. I have not heard anything from them since. 

Yesterday, I received a letter from a collection agency showing a balance of over {$25000.00}. I had no idea what it was for, so I contacted them and they told me that Navient had Consolidated my loans in XXXX and then charged my student loans are in XXXX. The woman told me the balance at the consolidation was {$10000.00}, yet when it was charged all the balance was over {$25000.00}. This entire time I have been under the impression my loans were being placed on hold. I am not sure where to turn from here. I have never been offered any type of payment plans like I have read about today. 

How can a loan go up so much in XXXX year? Is this even legal? I know when I spoke with them and they said they were going to put it in deferment status the balance was still right under the {$11000.00}. With no attempts to contact me how is this possible? 

Any help would be greatly appreciated.
Product: Payday loan, title loan, or personal loan

Hi I received an alert saying that I just opened an account with,,, Goldman Sachs Bank U.S.A.,,, for XXXX XXXX,, I reached out to Goldman Sachs Bank, and they were not able to find me with an account there. 

So Im hoping you may be able to help me.. Thank you!
Product: Credit card or prepaid card

My wife and I purchased an item via my Capital One credit card from XXXX on XXXX for {$1200.00}. The item, a XXXX XXXX, was broken when I got it. I sent it back two separate times to the XXXX and it was returned to me two times, which took months. I sent it back a third time, which Ipersonally paid {$400.00} out-of-pocket to do via XXXX. The item was finally recived by XXXX on XXXX. XXXX sent me an email stating this on XXXX. I have sent Capital One photos of the broken faucet, proof I paid for it, proof I sent the faucet back ( 3 times ), proof XXXX got the faucet and still Capital One refuses to credit my {$1200.00} plus any interest it has accrued. I have called Capital One a dozen times, spent countles hours explainingthe situation to various Customer Service people, numerous Managers, etc. the past year to get this resolved -- butthey refuse to do so. My last call was with a person named " XXXX '' on XXXX and he actually hung upon me. Capital One are either thieves or incompetent as this is beyond ridiculous. My wife and I have 4 credit cards with Capital One, spend thousands per year and our credit scores are well over 800. Please help!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.
Product: Mortgage

Quicken Loans sent us a letter dated XXXX XXXX, 2015 informing us our house was recently determined to be in a flood zone. The letter stated we had 45 days to purchase flood insurance. We immediately began the process. Our insurance company, XXXX, told us that all flood insurance policies have a mandatory wait period of 30 days. We experienced enormous difficulty getting proof of insurance to Quicken - despite numerous calls, email and fax attempts and various Quicken employees confirming receipt of the insurance policy and assurance that all was well. Despite that, Quicken force purchased flood insurance with a start date of XXXX XXXX, 2015 - a full 3 weeks before they even sent us the letter! Eventually they removed the policy, continuing to hold us responsible for XX/XX/XXXX and XX/XX/XXXX - the months we either did n't know or were mandatorily blocked out with the wait period. The two months that Quicken has retroactively forced flood insurance is only slightly below the quote we received for a full year policy from XXXX. That only began our problems with Quicken. The quest to understand changes and charges to our mortgage began in XXXX 2015 and sadly continues still. I can not say how many times, more than dozens, I 've called and emailed asking very specific questions to understand the costs and changes to our mortgage payments on a fixed rate loan. I can not understand how a financial institution does not know this information at the touch of a button and why it has been taking so long and still no information is known. Our mortgage payments have fluctuated and increased by several hundred dollars a month! We need help getting specific details of costs and really want to spread the word on Quicken 's shady business practices. We could not regret more our decision to refinance with them. Having a mortgage on this property for 11 years with never a problem before Quicken really says something about them.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00}
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. 

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 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: Credit reporting

On line looking at a car. l did not authorize hard credit. l was not even interested in the car. Just looking and talking to dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on XXXX. Also on Experian it considered a negative account that I never made payment on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX needs to delete this information off my credit report as it's not correct information as a proper dispute will prove. The state and federal laws have clearly stated that if you cant register. The car was bought was bought and sold and states it only has had 2 owners. They have clearly violated state and federal laws and needs to contact the dealership as I have as my concerns continue to go unanswered. I don't owe XXXX XXXX  any money.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXXXXXX XXXX XXXXXXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 
Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried to order a credit card from capital one but had to opt out because I had just recently lost my job. I paid {$65.00} towards it and they've only given me back {$40.00}. In no place or any where did it say if you decide to opt out your credit score will be effected. And they still owe me {$25.00}. 
Another incident that happened with capital one is that they wanted me to pay {$1.00} to get a loan from them and I kept trying to press back on My phone as fast as I could but I didn't understand how they've already gotten the information to charge my account. Which both incidents brought my credit score down when there was nothing in fine print or little print that XXXX bring you scores down and I am very curious as to how capital one had my information the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the CFPB 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 # XXXX, Account name : 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 : 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

I recently checked my report and saw accounts reporting that I do not recognize
Product: Credit card or prepaid card

Dispute Case : XXXX I made a dispute for {$190.00} on XX/XX/XXXX however the whole charge of {$8500.00} was taken from the merchant 's account even after I explicitly written and submitted that I only was disputing {$190.00} of it. The dispute form also ask how much I was disputing. I only stated {$190.00}. 

The {$190.00} covered the price I had to pay another contractor to fix a house gutter that merchant failed to repair as agreed. 

The merchant sued me in XXXX XXXX Texas under case no. XXXX. 

During that time, I have called a few times trying to figure out what was the problem and if the dispute was completed. During that time the dispute always showed pending, and I never got call backs confirming what happened or letters. 

The lawsuit granted the merchant a judgement of {$8500.00} against me. 

I called RBFCU customer service once again XX/XX/XXXX and asked my dispute to be escalated so it could be readjusted or stopped. 

Again nothing. 

I did get one email that the merchant still did not receive a credit of {$8500.00}. I replied that they have all the information they needed to get their credit back. 

Over a year and a half later, I get a notice from the merchant 's lawyer for 5 years of statements and other financial documents. I honestly thought that the merchant did receive a credit of at least {$8300.00} or the dispute was cancelled as I never received a letter or call that I won the dispute. 

During the last few weeks in XX/XX/XXXX, I have called XXXX many times and spoke with XXXX, XXXX, XXXX, XXXX, and many more. Specifically, XXXX who was to help figure out the issue with her manager and call me back. I have been transferred and hung up on. Only information I got was that the credit card services vendor has changed since then.
Product: Credit reporting or other personal consumer reports

I have had the following credit hits to my credit report that I did not authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My loan was transferred from XXXX XXXX to Gregory Funding but I had applied for a loan modification on XX/XX/2021 and my loan was transferred to Gregory Funding on XX/XX/2021. When I used to check my XXXX XXXX XXXX, it stated a modification was successful but now Gregory Funding agent telling me when a loan is transferred, there are 100 of documents. Gregory Funding LLC has been a nightmare to me and by looking at their reviews it say 1 star. Almost everyone with similar complaints. It doesnt seem that Gregory Funding will not abide by the process that was already in place. I got everything in writing from from XXXX XXXX what was my options after my forbearance. Gregory Funding agent was asking me what documents I have and instantly I felt something is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company 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 XXXX XXXX
Product: Checking or savings account

Hello, I'm writing in regard to uncredited interest on my savings account for multiple months now. My apologies in advance for spelling as I am on my cell phone. I am writing because USBANK advertised a new money market account savings special for large dollars at high interest rates post XXXX market stress and has not paid interest per the terms on the savings disclosure account ( Reg DD violation ). While the interest is even calculated and stated as earned on my statements, it hasn't been paid for many months despite monthly payments on the disclosure. I worry this is a systemic problem with the bank systems that the bank will not acknowledge and may lead to material income statement error. Furthermore. I called multiple times to customer service to escalate my interest issue and even cite a complaint. I was first told to visit my local branch, hundreds of miles away and then was hung up on after asking to formally file a complaint twice on XX/XX/XXXX, XX/XX/2023 and again on XX/XX/XXXX. Please review why interest isn't being paid by their systems and why their complaint management system appears to not be working as I was never contacted.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : - XXXX XXXX Balance : -
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations