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

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

The Company XXXX Car Loan I 'd reporting open when it 's in fact been charged off and closed since XXXX 2016 ... .I sent multiple letters to have it closed or removed my credit for inaccurate information
Product: Bank account or service

My fiancee, XXXX XXXX and I opened a savings account with Capital One 360 in XXXX of 2016. Since it was opened we have put over XXXX dollars of our money into this account for the purpose of a down payment on a home. About 2 months ago, I noticed a warning on our account saying the funds are not available for withdrawal. Both XXXX and I have called Capital One several times to get this resolved. They tell me it is on XXXX side of the account, so they can not do anything for me and for XXXX, they put her on hold for long periods of time ( as long as an hour in some instances ) and then drop the call sending her to voicemail. This is very uncharacteristic of Capital One, but we want access to our own money. At some point, we will need it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a discharge of lien on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX of 2024. 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care. 
It is Junk and not worth anything. The value is under {$2000.00}
Product: Debt collection

XXXX XXXX XXXX has listed a medical debt on my XXXX and XXXX credit reports. I have disputed this account intermittently for approximately two years. I do not have a signed contract with Hospital Collection Services and they have not sent me any documents proving that I own this debt. In an attempt to fraudulently and illegally manipulate the statute of limitations on credit reporting as well as add interest to medical debt, they have increased the original reporting amount by XXXX dollar each month since initially reporting this account which shows current activity. Furthermore, this debt is less than {$500.00} and continues to report on my XXXX and XXXX credit reports. The federal government has enacted legislation that medical bills less than {$500.00}, whether paid or unpaid, must no longer report to the credit bureaus as of XXXX XXXX XXXX. Therefore, I want Hospital Collection Services to cease reporting on my XXXX and XXXX credit reports as they have contributed to furnishing financially damaging information about me which costs me hundreds of dollars in interest each month.
Product: Student loan

See Complaints XXXX & XXXX. This complaint is added on. I reiterate, my wages are getting garnished at $ XXXX/pay period $ XXXX/month. This is not my loan. 
Secondly, This is on the Department of Labor Website for California : The most that the Department of Education can garnish for a student loan is 15 % of your disposable income, but not more than 30 times the minimum wage. The garnishment paperwork states up to 25 % The minimum wage in California as

of XX/XX/2018, is $ XXXX/hr, 30 times XXXX is {$330.00}, i am losing $ XXXX/pay period. Not sure if the 15 % is per pay period or per month. I need help immediately.

I am submitting a Loan Discharge Application for False Certification to the US Department of Education.
Product: Checking or savings account

I bank with navy federal. In XXXX going into XXXX sometime they told me that My account was frozen due to a wire issue where someone sent me {$2000.00} but requested the money back. They resolved the issue by holing my account for about XXXX weeks and withdrawing about {$300.00} from my account. Then on XX/XX/XXXX I noticed that I could no longer access my account. I called navy federal right away and they told me that it was because of " check fraud ''. I never deposited any check. Then when I asked to speak with security who initially shut my account down, they told me that they were closed. I called them in the morning, and they said I could not speak with security and to file an appeal for something that was resolved back in XXXX.
Product: Credit reporting or other personal consumer reports

To date, I have come to realize that insurance companies are allowed to receive information from all three credit reporting agencies about our credit utilization, which plays a significant role in determining insurance prices. However, these same bureaus don't ask the insurance companies for input on premium payments, which may improve an individual 's score. Furthermore, in the majority of circumstances, the scores are requested without permission from the consumer. It is important to be aware that circumstances can negatively impact an individuals reason for failure to pay or slow pay ; i.e. sickness, lost of employment, etc. 

As a XXXX patient, I am fully aware of the economic damage that individuals may encounter during a health crisis. My insurance carrier has increased my coverage by several XXXX dollars, even though I have never had a car accident or committed any moving violations. For the past five years, I have made timely payments. My credit score was assessed every year without my consent or knowledge. There is no one challenging this untouchable industry. 

This is a practice that requires the CFPB 's attention. The automobile insurance industry has honest, hard-working individuals at its mercy because no one is willing to police their corrosive behavior. 

The fact that Experian is now in the automobile insurance business appears to be a conflict of interest. During tough economic times, households are left at the unscrupulous mercy of an under-regulated industry that has one-way access to information that can be economically debilitating. Only the CFPB can put a stop to the information decimated by the three credit bureaus, especially since rates are quite lucrative for the insurance industry.
Product: Checking or savings account

This is a running theme that keeps happening over and over and over again with this same account in the same company. 

I scheduled payments to come out of the account on Friday and the bank only posts the transactions on Monday or Tuesday at which point the funds have run too low and they can charge me an overdraft fee of {$34.00} on a transaction that was only {$36.00}. 

This is some XXXX, because I scheduled my recurring payments to show up on Friday and every time I make a credit card payment I schedule it at least a week in advance to come out on Friday so that it is going out of the account by Friday at XXXX or XXXX XXXX before I even wake up. 

Imagine my surprise to find out that the transaction was not posted until Tuesday along with the corresponding overdraft fees. 

So far, this bank is made almost {$700.00} and some odd dollars off of me this year in overdraft fees in that exact way.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay.

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

Received a phone call stating a debt was owed. I've never had an account with this merchant and can not find anything on my credit report relating to this account. The merchant has never sent me any statements or anything in the mail regarding this account. I have experienced identify theft and my information has been stolen and used to open accounts previously. I had no idea who this company and is why they are contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

For Experian I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute on XX/XX/2019 under Report Number :  XXXX Date Generated : XX/XX/2019. I disputed the 11 XXXX accounts in question. From those results 10 were updated while 1 was delete. So, I have to ask what info did Experian have documentation wise to remove 1 out of the 11 and still keep the remaining ones? Is Experian actually following the laws. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.
Product: Credit card or prepaid card

This is just an FYI regarding notice we receive from Citibank and my reaponse. 
Hello, I am ok for you not issuing another card, but forfeiting the rewards I acquired from the previous spending before it was closed and 2 weeks before in cashing the reward is suspicious. We can actually almost payoff our citi card with our cash reward of XXXX $ and now we still have a balance because you would not give us the cash reward?? If this is you, for sure you will be upset too because you've been taken advantage! I understand if we are not paying our dues in the card but we are and my score is actually better than the previous year. This is just upsetting. You dont help customers but letting people go more in debt. I hope you learn what customer service is. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I took a credit with Synchronicity Bank and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free. 

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my Trans Union credit report were not authorized by me. Please have them remove asap, as they are adversely affecting me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Select Portfolio servicing. Will not work with us at all to lower our mortgage, or to save our home. After 2 XXXX XXXX  and then XXXX that my wife and I both had. They are trying to up our mortgage payment. They are like a predatory company at the worst.
Product: Credit reporting

Good Morning, For the last 2 years XXXX, Transunion, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me
Product: Money transfer, virtual currency, or money service

My account was limited for 180 days and receive an email telling me I ca now withraw my money 2 weeks ago but am finding it hard to link a new card or bank account to withdraw my funds..It always day card declined and my bank account will say plz contact PayPal support for help..I called PayPal but they themselves don't know why PayPal is blocking my cards..They told me to wait for 72 hours..I have that and still having the same issue..
Product: Debt collection

Hello I am writing to report capital one bank. I have a secure credit card with them and I informed them that I was facing hard times. I told them that my fiance, now wife would be paying on the account. They made her an authorized user but refused to allow her to make payments. It was my money in the first place. I wrote them and let them know I would be away for 2 years and needed my wife to be able to pay. They refused and would not respond to me in written documents. Can you please help me resolve this because I am trying to build my life back while this bank will do anything to tarnish my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

PORTFOLIO RECOVERY and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting incomplete and inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX who is allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.
Product: Credit card or prepaid card

as of XX/XX/2022 there has been a dispute in process as to the beneficiary 's property that officially, and illegaly was seized unnanounced and without consumers consent, nor did the seller diclose the neccessary options for a very clear and productive understanding, the sellers direct responsibility 's obligations and duties/of performance to consumers needs, seems to be overshadowed, " the seller and the consumer '' were operating from an open end credit agreement or consumer credit transaction, furthermore by law state and federal law which prohibits this type of misleadeading and very deceptive practices these elaborate mechanisms and schemes as been reported by the cfpb, fdcpa, as well as the the well established congress driven Tila act, Magnuson-moss warranty act and all the necessary protections afforded to consumers and though XXXX continues to identify that kfa as a third partylender/financial institution, and collections, but before party 's engage or become involved, there had to be a '' meeting of the minds '' and clearly consumer XXXX has no knowledge or recollection that would identify, even perhaps show of your existence ( k.f.a ) -kia motors -kia finance, i have no contracts or agreements with you...
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.